23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

For the past three months, I've experienced an unimaginable hardship due to a series of inexcusable errors on the part of Direct Express. My Social Security benefits, which are essential to my survival, were inexplicably suspended due to alleged fraudulent activity on my account. Despite submitting my ID and Social Security card multiple times, including with the assistance of my social worker, Direct Express repeatedly rejected them as invalid for frivolous reasons like being XXXXXXXX XXXX XXXX or requiring a digtial camera. 

This bureaucratic nightmare resulted in me nearly losing my housing and facing severe physical and mental anguish. I was forced to endure extreme hunger and exhaustion, scraping together whatever resources I could to survive while recovering from a serious car accident. This situation has caused me immense emotional distress and financial hardship. 

Direct Express 's utter lack of transparency and disregard for my basic needs is deeply disturbing. They failed to communicate the issue effectively, even to Social Security representatives, and offered no explanation for the delays. This callous behavior has left me feeling vulnerable and helpless. 

I am currently pursuing legal counsel to address this outrageous situation. Direct Express must be held accountable for their negligence and the suffering they have inflicted upon me. I urge them to immediately release my withheld benefits and provide a comprehensive explanation for their actions. 

Additionally, I demand compensation for the pain and suffering I have endured as a direct result of Direct Express 's incompetence. Their actions have caused me significant physical, emotional, and financial harm, and they must be held responsible for their egregious misconduct. 

I trust that you will take my situation seriously and assist me in seeking justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because on XX/XX/2019 I was granted forbearance by XXXX XXXX that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this  forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with XXXX  and Equifax detailing this issue. Equifax completed their investigation and it seems that XXXX XXXX is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by XXXX XXXX that states I am 0   days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.
Product: Credit reporting

I applied over the phone to get my yearly free credit report from all XXXX reporting agencies. All three sent back a letter, stating that I would need to send a copy of current Driver 's License, a copy of a Bank statement and Utility bill. I sent this info out and received my credit report from XXXX and XXXX. I then called Transunion to ask about the delay and was told that they were unable to read the copies I sent out. I had copies for myself and had no problem reading them. I then sent out XXXX copies of Driver 's License and Bank statement ( which were copied in color ). I was told this time that the Driver 's License could not be accepted because I had it longer 2 months. Which make not sense at all! So now I am left unable to get my report from Transunion.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding LexisNexis for reporting incorrect information on my consumer report and failing to properly investigate and correct the disputed items. Despite following the formal dispute process under the Fair Credit Reporting Act ( FCRA ), LexisNexis has continued to report inaccurate information, which has negatively impacted my credit profile. 
Details of the Complaint : 1. Incorrect Personal Information : Multiple incorrect variations of my name, date of birth, addresses, phone numbers, and email addresses are being reported on my consumer file. I have provided LexisNexis with my correct information and formally disputed the inaccuracies, yet these errors remain unresolved.

2. Failure to Properly Investigate : LexisNexis failed to conduct a reasonable investigation into my disputes as required by law under 15 U.S.C. 1681i. This failure has led to the continued reporting of false information, which is a violation of my rights under the FCRA.

3. Inaccurate Account Information : An account that I have disputed due to inaccuracies continues to be reported on my file. LexisNexis has not deleted or corrected this information, even though it can not be verified as accurate.

Impact : The inaccurate reporting has caused significant harm to my credit profile, affecting my ability to obtain credit, and has led to unwarranted stress and financial hardship. I believe LexisNexis violates the FCRA, specifically 15 U.S. Code 1681e ( b ) - Accuracy of Report.

Request for Resolution : I am requesting the CFPBs assistance in ensuring that LexisNexis fulfills its obligations under the FCRA by : 1. Correcting or deleting my consumer report 's inaccurate personal and account information.

2. Conducting a thorough and reasonable investigation into my dispute.

3. Provide me with an updated copy of my consumer report reflecting the accurate information.

I expect a swift resolution to this matter to prevent further damage to my credit standing and financial well-being.

I have provided the necessary documentation to verify my identity, as outlined below : A copy of my Driver 's license, a copy of my Social Security, a copy of my Birth Certificate, A copy of a recent Utility bill, and a copy of the dispute letter.
Product: Debt collection

I wrote Portfolio Recovery trying to obtain more information on an alleged debt. I sent them a letter asking for more information and they simply sent me a billing statement from them ( PRA ) not the original company who said debt is valid. I am asking that this be removed from my credit report unless they can prove it is my debt. This debt is from XXXX 2012 in the amount of {$550.00}.
Product: Credit reporting or other personal consumer reports

I would like the XXXX  removed off of my experian credit report I was advised that fob didnt give them this information to be on my report and I wanted the addresses removed off of my experian report as well I only live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have no knowledge of no other addresses
Product: Credit reporting or other personal consumer reports

There was a dispute letter sent on XX/XX/2024 informing Experian of my intent to sue due to them failing to enter a notice of dispute for accounts previously disputed and stating that items were verified without proof of an investigation. I have attached the letter, which is dated, and time stamped. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I can demonstrate to a judge that these accounts are indeed inaccurate and that you have violated the Fair Credit Reporting Act by disregarding my requests for investigation. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. My attorney has been notified and we will be moving forward with a lawsuit if these items are not removed within 30 days. The following accounts are to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 2000 Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect CurrentAddress : - XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

I would like to add a little back story about why this happened. I'm an XXXX 10 years or so ago and when I was away I had lost my ID, Birth certificate, and Social Security Card. I'm unemployed and problem free. I just stay at home and work around the house. 

I opened a Captial One Checking account online on XX/XX/2023 using an Inheritance check I recieved from a deceased uncle in the amount {$2500.00}. I wanted to use this to get going with my life. My brother also deposited {$50.00} from his saving account into my account on the same day. Once I received the account bank card I try to activate it but the account was on hold, so I called CapOne customer service and they stated to activate the card I would need ID. I only had my inmate ID and they said it would not be good enough, so I had to go through the long process and nightmare of getting my ID, Birth Certificate and Social Security Card to even get an Texas ID. I finally got everything in order in XXXX and Called customer service but they stated the account was closed and was under investigation and would take 45 days before we would know the outcome. 
I was able to still log on online to my account but it says on XXXX XX/XX/2023 the money was subtracted from the account ( both deposits ). We waited the 45 days but heard nothing back from Capital One. I attempted to call customer service again and they stated without reason that I can not do buisness with them and that the money was returned to the source accounts. The check amount of {$2500.00} was not returned to issuing bank nor was my brothers {$50.00} returned to his savings account at XXXX XXXX XXXX. I still have the inheritance check but because to cash it with capital one online you have to write on the back FOR CAPITAL ONE when you endorse it. The money is not returned to the Financial Institution of my Inheritance. Capital One has kept both my money and my brothers money. Please help with this.
Product: Credit card

On XX/XX/2023, I received a notice alert on my ID Theft Protection account about a new Kohl 's card account opened under my name on XXXX XXXX. I also received a letter from Kohl 's confirming the said account and congratulating me for approval. I never applied for any Kohl 's card, never had XXXX and I rarely go to the said store. Luckily the card hasn't been used. I reported the said fraud to Kohl 's and I was told they'll close the account. I also called my ID theft Protection ( provided by XXXX card ) to report and put fraud alert on my name. I did same through XXXX credit bureaus. I also froze my credit report. There should have been an extended XXXX fraud alert on my name from last year 's incident bec same thing happened to me but XXXX denied receiving the police report. If the extended fraud monitoring was placed on my name, I believe this should have been prevented.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX. XXXX {$390.00} XXXX XXXXXXXX violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 
d according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act INDIGO XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

My name is XXXX XXXX XXXX number is XXXX and claim number is XXXX I shouldn't have got billed from the {$2.00} by it self into XXXX different billed charges and {$28.00} they have added the {$2.00} in the {$28.00} but they billed me for the {$2.00} again for no reason and I have contacted the customer agent by support on XXXX telling the issue but they couldn't refund me for both payments I want a refund for both payments etc. 

Update I only got temporary credit for {$2.00} and then a temporary credit for {$2.00} total I got was for {$5.00} and I never got the full credit for {$25.00} I am disputing that full amount too as wrong amount so that amount need to be credit in my account for {$25.00} because I told the agent who open both disputes I am dispute the whole amount for {$2.00} and {$25.00} I didn't get the {$25.00} credit please add it to my account My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking XXXX XXXX please dispute the whole amount for {$25.00} and give me a credit for that amount to {$25.00} etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have new and updated information regarding Capital One failure to comply with the FCRA. 

XX/XX/2021 I filed a cfpb complaint against Capital One as they alleged an inquiry appearing on my credit file came from myself the consumer. Ive explained it was not me and Capital one confirmed as well as stated they would have it removed over a year ago. This inquiry has still been reporting since then.
Product: Checking or savings account

I am willing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits.this issue aligns with the recent CFPB findings against Navy Federal for similar practices. when transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX Account reference # XXXX. Account # XXXX. Account # XXXX ( Partial account ) Date opened : XX/XX/XXXX. Account Type : Collections. Status : Collection account {$410.00}. Past due as of XX/XX/XXXX. Status update : XX/XX/XXXX. They said it was investigated and completed by a data furnished. This was sent by Experian and XXXX. XXXX XXXX. This is being reported by all three credit bureaus. I'm not liable for this debt with XXXX. XXXX XXXX. I never had an account with this creditor and they only provided some of what I asked for in the letter ( validation letter ) it's been over 30 day going back and forth with phone calls then I started writing letters. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have repeat inquiry on my credit report too. I have my personal information on here I didn't give them permission to put that on here it's my privacy that's being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is shown as closed on my equifax report. I have never done business with this company. I need this to be completely deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card on XX/XX/XXXX through XXXX XXXX   branch in XXXX XXXX, Michigan. There were two credit inquires out of which I authorized only one on XX/XX/XXXX there is another credit inquiry on XX/XX/XXXX which I did not authorize. Recently I requested for upgrade of my secured credit card on XX/XX/XXXX through XXXX XXXX  branch in XXXX XXXX, Michigan for which I see a credit inquiry on XX/XX/XXXX but there is another credit inquiry on XXXX XXXX which I did not authorize.
Product: Mortgage

On or about XX/XX/XXXX, we applied for a conventional mortgage re-finance through multiple companies, including Better ( better.com ). 

In each of these companies, including Better, we submitted information that the companies requested : personal details, financial details, proof of homeowner 's insurance, etc. 

On XX/XX/XXXX, the company which holds our homeowner 's insurance sent an e-mail notification that the mortgagee on the policy had changed to Better. 

As of this date, we had NOT received an initial closing disclosure, we had NOT given Better authorization to make this change, and we had NOT even been approved to set a closing date. So we also did NOT have a closing date set. 

On XX/XX/XXXX, we reached out to Better and reached their customer service ( extremely friendly ) however was told that the person responsible for our mortgage was unavailable and that we had to wait. 

As of the writing of this complaint, Better has not provided the specific written authorization that we provided for them to set themselves as mortgagee. As of the writing of this complaint, we believe that we have NEVER given them authorization to make this change.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with State Farm Bank and the CFPB closed the complaint when the company did not resolve the issue nor address the issue at hand. State Farm simply denied looking into my request and stated that there was no issue. If you search under State Farm Bank complaints online you'll find no less than 1000 complaints of similar nature to mine. This has greatly affected my credit and my ability to get good loan terms. The next step will be law suits against State Farm and the involved Credit agencies.
Product: Credit reporting or other personal consumer reports

Please delete this account immediately because it contains inaccuracy in its information According to the ( FCRA ) 15 U.S.C. 1681, it is vital to report with accuracy and fairness. On my consumer report, Experian is reporting a current balance {$7000.00} this month and last month was {$6700.00} and monthly payment of {$140.00} how is it that {$140.00} increase different on every monthly payment basis and I'm confuse that XXXX have no documentation of this account shouldnt all consumer agency have the same reporting information? 

I have not been presented with evidence in accordance with the doctrine of estoppel by silence, as established in the case of Engelhardt v. Gravens ( mo ) 281 SW 715,719. Consequently, I am presuming the absence of any documentation supporting the alleged debt.