23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to lodge a complaint against LexisNexis for violations of the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681b and 15 USC 1681e. LexisNexis inaccurately reported my bankruptcy information, even though they do not have permissible purpose to do so and failing to follow procedures to ensure maximum possible accuracy. 

LexisNexis has reported that I have an active bankruptcy on my credit report, claiming that the information was verified through XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). But, this reporting is both inaccurate and unlawful because of the following reasons : They Violated 15 USC 1681b Permissible Purpose : LexisNexis does not have a lawful or permissible purpose to include my bankruptcy information in their reports. The bankruptcy court already stated that they do not supply individual bankruptcy case filing data to credit reporting agencies, this includes LexisNexis ( see attached ). Without permissible purpose, LexisNexiss access to my report and reporting my bankruptcy information is a violation of federal law. Who gave any one of them permission to report this? I didn't. Why are they reporting it then? I'm not understanding. I want it removed by law.

They Violated of 15 USC 1681e Procedures for Maximum Possible Accuracy : My bankruptcy was disputed with XXXX on XX/XX/2023 ( see attached ), and they removed it on XX/XX/2023 ( see attached ). The fact that LexisNexis keeps on reporting my bankruptcy while XXXX removed it is mind boggling to me. Clearly the information is not accurate. It must be the same across the board. So, again the inaccurate information ( the bankruptcy ) needs to be removed and any accounts attached to the bankruptcy removed ASAP. This is against the law. My rights are being violated. 


Thank you
Product: Debt collection

Portfolio Recovery Associates. 

I my ex wife open up a credit card ( XXXX XXXX ) around XXXX and because of the divorce she decided not to pay and the debt and it was left with me. Over the years and currently the debt has been reporting negative to credit bureaus on my credit file and XXXX also been threatening to sue me in a state that the debt was not established. When the debt became closer to being off my credit file because its been 7 years since opened, XXXX changed the date open from XXXX to XXXX. They also sent falsified monthly statements to me when ask to verify the account.
Product: Credit reporting or other personal consumer reports

Hard injuries reporting that I do not recognize 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent XXXX data breach and may have gotten compromised by the breach.
Product: Credit card

I have been a Chase credit card customer since XX/XX/XXXX and requested a line of credit increase on XX/XX/XXXX. I asked the customer service person if this would be a Hard Inquiry given I was already a customer. He led me to believe it would be a Soft Inquiry. Upon checking my credit report days later, I discovered Chase placed a Hard Inquiry on my credit report. When I called them they said they would review the recorded conversation and get back with me. I received a call from Chase a week later ( XX/XX/XXXX ) indicating their review results were that I " knew '' their inquiry would be a Hard Inquiry on my credit report and refused to remove it. I requested a transcript of the conversation indicating that I " knew '' this was going to be a Hard Inquiry and they refused to provide the evidence to me. As a result of Chase 's Hard Inquiry, my XXXX score dropped XXXX points. I use my XXXX score for mortgage loans as I rehab houses for resell. This has effected my ability to obtain favorable interest rates.
Product: Credit card or prepaid card

On the night of XX/XX/XXXX I was awakened by my land line by CITI Simplicity account asking if I just tried to charge {$1000.00} on my account and got denied. They asked me some other questions and hung up the phone. 

On the morning of XX/XX/XXXX when I got to work I decided to look at my CITI card as that call did not sit with me. I noticed a charge for {$4000.00}. At that point they took it off and said they would investigate it. I decide to look into my other credit cards and noticed that another one had a charge same XX/XX/XXXX charge of XXXX and another one for {$4000.00}. I called these two credit card companies and they took it off my account no questions asked. At that point I locked my accounts. 

This week on XXXX I received another call on my land line asking if I just charged {$1000.00} and was denied. I stated that no I did not and he continued to state that my account is locked and he would like me to unlock it. I stated to hem I was not going to do that and he proceeded to state what the last four numbers of my card was ( this is a new card ) ; my mothers maiden name and the security word, the questions CITI should be asking me. I told him I was uncomfortable talking to him and I was hanging up and calling back on my own and discuss this matter. He then became upset stating that he was from CITI. I proceeded to hand up and called CITI on my own at that time they told me they did not call me and no one tried to use my account. 

On XXXX I received a letter from CITI stating that their investigation is complete and is now closed. They also stated that I gave my permission to the merchant, XXXX XXXX XXXXXXXX, to charge my account for the {$4000.00}. I didn't give this permission. They also stated in this letter that the charges will be reversed and I am responsible to make payments or they will send my information to the three reporting agencies. At this time I called CITI and spoke to a, XXXX, in the fraud department and told him my situation and he stated the investigation is closed and there was nothing he could do about it and I had to send an email to XXXX XXXX at : XXXX which I did. I did this and this still didn't sit well with me so I called back again to speak to another manager, XXXX, he told me he would " try '' and see if he can get this reopened. He also said he would but the {$4000.00} on hold until he could " try ''. 

On XXXX I went on my CITI mobile app and the {$4000.00} is XXXX tickets taken off as fraud. At this time I thought that was rude and unprofessional. I in fact did buy tickets and stated that I would be paying for them as I did charge them. I asked to speak to a manager and the girl on the line stated that this did not need a manager. I insisted and she said she would transfer me. She got back on the line and said the managers phone does not work anymore. I asked her to transfer me to someone in management and then proceeded to tell me that there was not a manager there. When she came back on the line she told me I would have to call another time and hung up the phone.
Product: Credit card or prepaid card

I generally pay my credit card balances in full every month by the due date and did so in this case. I use an electronic bill paying system through my credit union. This issue is from my XX/XX/XXXX payment on my Chase Visa credit card billing statement for the amount of {$3500.00}. Payment was due on XX/XX/XXXX. My credit union 's records show that they made the payment electronically on XX/XX/XXXX ( confirmation # XXXX - see attached ). Chase Visa did not post or credit the payment until XX/XX/XXXX and charged me a {$35.00} late fee plus interest of {$77.00} ( XX/XX/XXXX ) and {$38.00} ( XX/XX/XXXX ) for the last two billing cycles. 

I intially called Chase and they refused to reverse the charges stating that the payment was two days late. After I confirmed with my credit union that the payment was processed electronically on XX/XX/XXXX, before the due date, I called Chase again. They agreed to reverse the late fee and first month 's interest charge ( {$77.00} ) as a " courtesy '', but they would not remove the the additional {$38.00} interest charge on my XX/XX/XXXX billing. They admonished me to pay my bill earlier to account for weekend delays in their payment posting procedures. 

I reminded them that this was an electronic payment and should post immediately and that XX/XX/XXXX was a Thur. giving them two " business days '' to have processed the payment. They refused to refund the remaining {$38.00} interest charge or any subsequent interest charges resulting in their not posting my payment when received. 

From my perspective, I did everything correctly and in accordance with standard financial procedures. I followed exactly the same payment procedures that I have always done before without incident. They received full payment prior to the account due date. It is their error and/or inefficiency that caused the late fees and interest and they are requiring that I be financially responsible for their errors.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau. Hass recently filed a lawsuit against Experian alleging, systematic issues such as failing to forward, consumer provided evidence to furnisher, accepting unreliable responses and and failing to adequately notify consumer of dispute outcomes. These failures align with my experience where Experian neither corrected or resolved disputed items despite evidence I have provided causing harm to my credit standing. I am requesting. Immediate corrective action. To amend or correct the disputed items. As experians actions, violate federal law, and my right as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXXSC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some in correct information on my credit report. I disputed with Bureau whom verified as account reporting accurately on my report. I sent a follow up letter asking for verification and to ensure proper reporting. This Bureau is not properly following Metro 2 and E-Oscar compliance protocol.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion scammed me for {$19.00} on their " FREE CREDIT REPORT ''. This took place in XX/XX/2019 ( last year ) ... .. I canceled the transaction and received an email from Transunion that my account was close and nothing further would take place ... ... I WANT MY {$19.00} RETURNED TO MY ACCOUNT ....
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a notification on my credit and seen the hard inquiries. This doesnt belong to me. I called the Card company to closed the card so it wouldnt get worse, however this is not mine. I have a pretty good standing and I am aware of the inquires I have done but not these. These hard inquiries does not belong to me please remove : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

In 2015, a car loan was allegedly opened in my name at XXXX with Santander. I did not sign for this car loan, nor did I authorize anyone to sign for me. The debt has now been sold to XXXX XXXX XXXX who has been taken over by XXXX   XXXX. I have submitted extensive documentation showing that I was not even in the country at the time the transaction took place, police reports showing theft of identifying documentation just a couple months prior to this incident. I also had a forensic document examiner to review the signed contract. The examiner, proved that I did not conduct this transaction. I have written to XXXX, Santander, and XXXX XXXX  to let them know of the fraudulent activity way back in XXXX. It is now XXXX and no changes have occured, the account is still listed on my credit report and it is causing harm.
Product: Debt collection

Company is threatening to garnish my wage for a invalid debt that is also showing it is time Bared according to the North Dakota Statute of limitations. Collection of Debt on Account 6 yrs. XX/XX/XXXX ( 2 ) which their bogus verification page shows payment due date of XX/XX/2014 which would be past the statute of limitations anyways. I have sent them letters by certified mail stating to desist from further action and that I do not acknowledge the debt. They said I could do nothing to stop the garnishment. Their charges changed on debt collection notices they sent. From XXXX to XXXX with the verification showing different amounts from XXXX to just the XXXX with bogus charge off principals and finance charges. They are trying scare tactics on me when I am just getting ready to have a XXXX XXXX and are attempting to take advantage of me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$100.00}
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2021 Amount : XXXX USD The company ( Ria Financial XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) XXXX XXXX XXXX XXXX ( XXXX  ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY They sent this money to my name in XXXX on XX/XX/2021, but the money was not yet deposited to my bank or personally to my address.
Product: Credit reporting or other personal consumer reports

I previously notified Experian credit bureau on XX/XX/24 that I am a victim of identity theft to this date Experian has not responded to and fraudulent items are still on my personal credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at around XXXX eastern time, I called Experian on their phone number XXXX XXXX XXXX to question why there is an active account dispute in process which i did not authorize? I received an email and confirmation that they created a dispute process without my consent and authorization. I told Experian that they are to cancel, revoke, and/or rescind their dispute that i did not authorize or give them permission to do. There is record of my self and Experian on XX/XX/2022 talking by telephone that can verify when we were communicating. And there is NOTHING in our conversations that show that i gave permission to Experian and their employee XXXX. Consent to pursue a credit account dispute was never given to Experian.
Product: Bank account or service

The banking system of the USA has failed us all. 
1 ) I use my Wells Fargo VISA card to purchase a new computer from XXXX. The funds ( {$1800.00} ) are taken from my account the same day ( XXXX/XXXX/16 ) along with another amount for a computer speaker system. I receive the speakers a few days later and the computer itself another few days later via XXXX. My funds are tied up in the system for approx. 5 days. The computer 's power supply fails a few days after receiving it. I return it to a XXXX XXXX store on Sunday XXXX XXXX 2016, they ( allegedly ) order a replacement advising me to pick it up on Saturday XX/XX/XXXX. it is not there on the date promised so I return on XX/XX/2016only to learn that the replacement was never ordered. I demand a refund and only after escalation do I receive a piece of paper claiming to be a credit issued to the Wells Fargo Visa card I used to purchase it. I have at this point not had access to my $ $ for 18 days and have no product. 
2 ) XXXX/XXXX/16 the alleged refund is not in my Wells Fargo account and after repeated requests for assistance ( my wife and I are both XXXX on a fixed income ) Wells Fargo refuses to honor a fraud claim against XXXX XXXX and continue to refuse to immediately credit my account in full per the card holder agreement, instead deciding to earn $ $ on my pending $ $ by not crediting my account. THIS IS LEGALIZED THEFT BY THE BANKING SYSTEM! 
3 ) Assuming that the alleged refund gets credited to my account tomorrow morning, which I do not believe will occur, I have been without $ $ $ in my Savings account for 19 days when it could have been earning me the pittance of interest that the system pays depositors. No one ... NO ONE ... is willing to satisfy a longtime customer. It should be a no brainer, honor the cardholder agreement and immediately credit my account pending the refund from the vendor. It is apparent that no one monitors Wells Fargo at the Federal Level. If I am WRONG then PROVE it to me by penalizing Wells Fargo for their indifference to a true need. The only reason the computer was purchased is because a similar unit was STOLEN from me on XXXX/XXXX/16 as part of a home burglary, where I have the perpetrator ON VIDEO and the POLICE ( who were given the video and name of the perpetrator ) will not make the effort to arrest him and his accomplices. If they wo n't do this, AND IF your organization ca n't help the common man then I HAVE TO ASK " What good ARE you? ".
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on numerous time for the company to provide evidence of debt etc. paper of proof of debt have not recieved information.
Product: Debt collection

COLLECTION PROFESSIONALS Original creditor : XXXX XXXX XXXX {$610.00} Balance updated XX/XX/2022 reported this information on my XXXX and XXXX consumer file which is identity theft I never stepped foot in this hospital a day in my life let alone been to any hospital in years plus XXXX and XXXX didnt even validate this collection properly i have also file a identity theft complaint FTC and working on a police report the companies info is located below XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX & XXXX ARE REPORTING THIS IDENTITY THEFT INFORMATION ON MY CONSUMER REPORTS
Product: Credit card

I attempted to apply for a Discover Card Online. The system did a hard credit pull and then disconnected me from the application process. I called in and was told that another hard pull would need to be done to complete the application. I never agreed to any hard credit pulls in the process and called and advised them of that.
Product: Credit reporting or other personal consumer reports

I have contacted credit bureaus to dispute XXXX accounts being reported without permissable purpose. That is a direct violation of my consumer rights and an infringement on my right to privacy. I have listed the US codes and the FCRA violations associated with this complaint. 

The XXXX unauthorized accounts are as follows : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX-Account Number : XXXX XXXX - Account Number XXXX XXXX The unauthorized reporting of these accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and several provisions of the United States Code. The FCRA violations include : 1. Section 1681b : Failure to obtain permissible purpose before accessing and reporting consumer credit information.

2. Section 1681e : Failure to maintain reasonable procedures to ensure the accuracy of information reported.

3. Section 1681s-2 : Failure to provide accurate information to consumers and credit reporting agencies.

4. Section 1681s-2 ( b ) : Failure to correct or delete inaccurate information after receiving notice of a dispute.

Furthermore, the unauthorized access and reporting of my credit information without permissible purpose violate the following United States Codes : 1. USC Title 15, Section 1681 : Congressional findings and statement of purpose.

2. USC Title 18, Section 1028 : Fraud and related activity in connection with identification documents, authentication features, and information.