23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a loan and was denied. The credit report showed a bankruptcy. I ordered my report from LexisNexis and there are multiple inaccuracies on the report. The main thing is they list a bankruptcy showing on my report, I called the clerk at the court and she said they have no record and I asked them how can this be put on my credit file? She said LexisNexis was the company that sells public record information to the credit bureaus. I disputed with all 3 credit bureaus and they all came back saying this information was validated through LexisNexis. LexisNexis states they verify this information through the court so I called the clerk at the court again and she stated that they do not verify court case information and how could they verify something that isn't there. So now I am requesting LexisNexis to delete the bankruptcy information from their report as it is erroneous and they have zero proof of validity of the information. this has caused different financial institutions to deny me credit and also close active accounts that I have. This has to be some sort of violation of law for a company to sell/furnish/publish information that is not accurate to companies that use this information for credit/employment/housing/insurance/etc. I am going to consult an attorney because this is terrible how much money I have missed out on by the misrepresentation of LexisNexis data and almost lost my security clearance for the same reason.
Product: Debt collection

They continue to call after I 've made a payment on XXXX XXXX and made payment arrangements. Asked them to not call me on Sunday and they call 7 days and week multiple times a day. Then when I call to speak with a Manager they hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian refuse to contact original creditor to correct info on acct. they refuse to dispute acct. they refuse to verify acct. they refuse to provide manner of investigation. they refuse to follow state and federal law on acct dispute. the acct is with XXXX XXXX XXXX XXXX ending in XXXX. they refuse to listen to original creditor to remove/ correct credit file. They have taken over 30 days to investigate complaint 4 times so far.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX, has violated my rights. 

I looked at my XXXX 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory mark on my credit due to the following issue that never should have been sent to this agency : I am writing to submit a claim against XXXX XXXX XXXX XXXX in the amount of {$790.00} for a medical bill for my daughter that was sent to them in error. I have never received any written communication from the company in regards to this debt nor have I ever received a call. The debt was taken on consignment from XXXX XXXX XXXX, a billing company for XXXX XXXX XXXX located in XXXX XXXX, New York. I contacted the company on XX/XX/XXXX of this year after pulling my credit and seeing the derogatory mark. Upon some investigation I have found out that this debt should never have been sent to the collection company and I would like to dispute it.
Product: Checking or savings account

I initiated a wire transfer of {$100.00} out of my checking account into my brokerage account on XX/XX/21 and completed the wire transfer form exactly per the instructions. Capital one charged me {$25.00} to send the wire. It went missing and never showed on my brokerage account. On XX/XX/21 I found a credit on my checking account for {$70.00} from the brokerages bank and an additional fee from Capital one for {$15.00}. I was charged a total of {$70.00} to unsuccessfully send my {$100.00} wire. Capital one XXXX  up the wire as I had included all of the required info to process the wire. I called them XX/XX/21 and spoke to two rude individuals in the wire department ( one being a supervisor ) and they refused to refund me the ridiculous fees, not to mention Ive been a customer for well over a decade. They offered zero clarity on what went wrong. I am asking for a refund on the money Capital one stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my credit report without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated and corrected soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was charged for a premium membership to access my credit report by Experian. I never agreed to such a membership. I signed up for a free credit report and that was it. I contacted Experian and they were not willing to help with my dispute.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I opened an account with Coinbase ( Digital Currency Exchange ). I was appoved and was able to do online transactions with Coinbase website. I was able to buy 2 Bitcoins, 4 Etherium, and 1 Litecoin. 

On XXXX XXXX, XXXX, Coinbase website started asking for indentity verification when I tried to buy and sell my digital currency holdings. But everytime I verify my identity, the website gives me error. My identity is not verified according to the website. I have answered all the questions correctly and have inputted all the correct information but Coinbase keeps giving me error. Because the website could not verify my identity, I could not make any online transcation anymore. I could not buy or sell online. My account is basically frozen. 

I contacted their customer support several times through emails and followed them up by phonecalls. Coinbase customer support is not very consumer friendly. They would not not help me or get me to the right people. After talking to several customer support personnel, one Coinbase employee finally said that my case has been elevated to the higher up and that someone will contact me. This was in XXXX XXXX. No one contacted me eversince. 

It is now XXXX XXXX, XXXX and Coinbase still could not verify my identity. I have tried and tried and I have submitted all the required documents and information but still my online transaction capability is frozen. Since XXXX, the value of my investment has went up from {$9000.00} to {$42000.00}. But I could not liquidate my account because my online transaction capability is frozen. I have already missed so much opportunity and would have made over {$30000.00} already if my online transaction is not frozen. Please help me! 

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

I have sent in the documents regarding the bankrupty matter in the cases refrenced due to several attempts it was never removed after being informed it was inaccurate BANKRUPTY CASE XXXX XXXX XXXX BANKRUPTY CASE XXXX XX/XX/XXXX this was FRAUD I HAVE SENT ALL DOCUMENTS TO XXXX COMPANIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts on my credit file that are fraudulent. XXXX is allowing this miscarriage of justice. Dr. XXXX once said, injustice anywhere is a threat to justice everywhere. Equifax is only concerned with promoting their BRAND. XXXX XXXX XXXX/Capital One, and XXXX XXXX XXXX. has ruined my life. 
I can not get a V. A. Loan because XXXX is permitting these horrendous, horrifying, and horrific deeds. This is 100 % identity theft and XXXX ; XXXX XXXX XXXX. XXXX XXXX/Capital One does not care. C.F.P.B. must protect me from these bandits. It is all about their BOTTOM LINE. 
Each time these items are removed XXXX, XXXX/Capital One puts it back on my credit report, and XXXX is sanctioning it. They are trying to collect a debt that is not owed, fraudulent, and it should not be reported to my credit file. I have a police report! As a Veteran who fought for this country, and a XXXX XXXX XXXX XXXX they are treating me like the scum of the Earth. 
Please help protect me against these atrocious, and unspeakable parasites of a company. Please help!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered some inaccuracies and discovered fraudulent accIn accordance with the Fair Credit Reporting act, these Accounts being reported have violated my rights. 15 U.S.C. 1681 section 602 A States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account : XXXX XXXX XXXX XXXX T HERE ARE SOME UNAUTHORIZED INQUIRIES ALSO
Product: Credit reporting or other personal consumer reports

I spoke with a supervisor today XXXX XXXX at Transunion disputes. He informed me that they ( Transunion ) are just a middleman and that my issue is with the lender whom I am current with and have been for well over a year. Furthermore XXXX whom are not reporting to the XXXX major credit bureaus Transunion, XXXX, and XXXX my on time payments made. I recently sent in to Transunion official payment history from XXXX XXXX XXXX XXXX my payment history. Moreover, I have been current all of 2023 to date by their own ( XXXX ) documentation. Transunion makes the claim that XXXX verified their current unknown payment status reporting is accurate. After filing this dispute my score was dinged XXXX points with Transunion. Transunion would not tell me why my score was dinged. However, I believe it was the doubling down by XXXX which further hurt my credit score. Under the law, the Fair Credit Reporting Act, all lenders reporting information to the credit bureaus, must report accurate information. If they are informed that something is not reporting properly, as Transunion, and XXXX did inform XXXX they are required to investigate my dispute and then update the reporting so that its accurate. An XXXX dispute in which XXXX is reporting me delinquent in XXXX of 2023 has still not been removed after I submitted proof directly from XXXX that it was paid on time. Bankruptcy does not change that requirement at all. Every payment I have made to XXXX, either before or after I filed for bankruptcy, must be reported to the XXXX major credit bureaus. By XXXX failing to report timely made payments, this lender is reporting that I have a much higher balance ( $ XXXX vs XXXX ) on the mortgage than I currently do, reporting of last payment made is inaccurate, reporting that the account is delinquent is inaccurate. The report already shows the bankruptcy in the public record. Repeat reporting by XXXX as delinquent is not the same as a bankruptcy and inaccurate. XXXX reports that the loan is closed which is improper if not illegal. Overall, XXXX is denying me the benefit of timely made payments to FICO, the company that creates credit scores. This can only hurt my ability to get jobs, cars, housing and other credit that I may need to live life. This needs mediation immediately. If the CFPB can not help resolve the issue I need to know A/S/A/P so that I may seek legal counsel as my rights have been and are currently being violated.
Product: Debt collection

Dear Yamaha Motor Finance Corporation, U.S.A., On or about XX/XX/2024, I, XXXX XXXX, called your organization to request a copy of the original agreement I had with Yamaha, including the arbitration agreement. Unfortunately, your representative exhibited poor customer service and hung up on me after two attempts. 

Therefore, on XX/XX/2024, I am filing this complaint with the CFPB against your organization for its negligence and unfair treatment. All I was simply requesting was a copy of the agreement to be mailed to my address. A debt collector has taken legal action against me in XXXX XXXXXXXX XXXX, which violates the arbitration agreement and the Florida Consumer Collection Practices Act, Fair Debt Collection Practices Act, and other laws. 

Please provide me with a copy of all documents pertaining to the original agreement with XXXX and Yamaha via mail. 

Thank you. 

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

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : ACCOUNT NAME : XXXX INPUT ACCOUNT # XXXX BALANCE {$720.00} I have previously submitted a detailed report of identity theft, along with supporting documentation. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that XXXX, Equifax and XXXX conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 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 checked my credit report and I see that there is a credit card XXXX XXXX for XXXX on my credit report. However I never applied for XXXX XXXX credit card. I only have a XXXX auto loan at this present time. According to US CODE 15 6801 US CODE 15 1602 US CODE 15 1681a ( 2 ) I ) US CODE 15 1666b Please remove this account from my credit report Possible identity theft. I was a victim to identity theft within the last XXXX years
Product: Debt collection

On XX/XX/XXXX, I received from Southwest Credit Systems regarding my account being settled with XXXX. However, XXXX is still saying that I have a past due balance stating that I owe them when the account has been resolved. 

I have called both Southwest and XXXX in reference to the communication regarding the updating my account, and I was told that this would be updated in XXXX with XXXX, and to date they still have my account stating that I have a past due balance when the account has been settle.
Product: Checking or savings account

I received a letter on XXXX XXXX, 2017 stating all my accounts will be closed and there was no reason given. When I called the bank they stated to me that they reviewed my account and have decided to no longer do business with me and have acted upon their right to closed my account. The bank was pnc bank.
Product: Student loan

On my payment schedule it listed my payment as being set to increase XX/XX/XXXX, but actually had this higher amount on my XX/XX/XXXX statement. My statements had been {$180.00} and were suddenly increased to {$190.00} on XX/XX/XXXX with no notification, even though my account has a repayment schedule set to increase to his amount specifically on XX/XX/XXXX. I was concerned at first, and these were exacerbated by the slew of recent lawsuits against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company did a hard inquiry on my credit report on XX/XX/2017 which I have no recollection of. I reached out to the company with a certified letter over 60 days ago stating that the hard inquiry needed to be removed. I have recently checked my credit report and the hard inquiry remains.