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

LexisNexis does not have my permission to report my personal information. They are committing fraud by reporting my information without my permission. I have opted out of reporting with this company per USC 6802 which they have violated every time a consumer reporting agency has reported information in my consumer report was received from LEXISNEXIS. This company verifies non-public data as VERIFIED- Bankruptcy courts do not publish full social security numbers nor do they report to third parties. Lexis Nexis is in violation of Metro 2 complianceXXXX as the information is not being physically, FACTUALLY and TRUTHFULLY verified according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score XXXX points and caused me to get denied for a personal loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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 have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is ion fact ; inaccurate. 

Account XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a flagstar bank account but my checkbook was lost some time ago and someone used my check. I went to the bank to report the problem and the bank told me to open a new account and then compensate me for my loss. It has been ten days and the bank has not given me the money. I want to withdraw the money from my account and the bank has refused to let me withdraw it. What should I do in this situation?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15u.s.c1681 grain acount # XXXX XXXX XXXX acount # XXXX XXXX XXXX acount # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX acount # XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX XXXX account XXXX XXXX, has violated my federally protected rights.i looked at my equifax credit report on XX/XX/year> and noticed some things are incomplete and inaccurate.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 15usc1681 ( e ) ( b ) and according to15usc1681 i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general, 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 notify the furnisher of the information has been modified or deleted from the file of the consumer. And according to15usc1681 s-2 they are supposed 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: Debt collection

{$1700.00} XX/XX/2021 settled to pay monthly never got sent anything
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries appeared on my report without my permission  1.    XXXX    XXXX     XXXX    2 .   XXXX   XXXX    XX/XX/XXXX   3.    XXXX   XXXX   XXXX     XX/XX/XXXX   4.   XXXX   XX/XX/XXXX   5.    XXXX   XXXX   XXXX    XX/XX/XXXX   6.   XXXX   XXXX   XXXX  XX/XX/XXXX
Product: Debt collection

Received a letter in the mail stating an account was closed due to non payment and sent to collections. Pulled my credit report for information. This has affected my credit score. I am not sure if I opened this account. I do know I have perfect credit and all my cards have a XXXX balance. my only debt is my home. 
The report shows Chase card activity on XX/XX/2017. the report also shows an added address that is not mine on XX/XX/2017. the charges are not mine, and the account was written off, with a negative mark on MY credit. Called Chase to file a complaint and was told they would take up to 30 days to check this. I asked for a confirmation number, they said there is not one. I want to be sure this is taken off my credit report immediately. Thank you.
Product: Credit card

The Chase account has been reporting on my personal credit report, when in fact, this account should be listed on my business credit. I have disputed this information with the XXXX credit bureaus and nothing has come of it. I am appalled at this situation!
Product: Credit reporting or other personal consumer reports

I want to add a property that I own to my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

This debt collector called me and my friends and family and left voicemails stating that they are going to serve me with papers on Friday XX/XX/year> and that they are sending paperwork to my employer ( yes, sent the same recorded voicemail to all my friends and family ). The first voicemail was from a fake number : XXXX. The message indicated they were agents of PCR Group with phone number : XXXX. I called them and a man answered so I asked for his name : XXXX XXXX. I asked if PCR Group is a registered business in the State of Washington, and he said they are registered in every state. I asked if the registered name is PCR Group and he said PCR stands for Personal Counsel Recovery. He threatened me that if I did not pay for a payday scam, they would take me to court. I responded that they are violating both state and federal laws and demanded that they file suit in the proper court. He then continued to threaten me with serving me at home and sending documents to my employer. 

I searched Washington business records and there is no registered business PCR Group. I called back and told them they lied and that they are not registered in Washington and asked what state they are doing business in. They refused to tell me what state they are in, who the owner is, etc. Then they called me from a different phone number : XXXX. XXXX left a voicemail telling me to stop calling them. 

If you search online you will see that this business has a very long history of violating state and federal debt collection laws.
Product: Vehicle loan or lease

On XX/XX/2022 an extension agreement was approved on my account! I made those payments as agreed and this company reported to the credit bureaus that I was late when in fact I wasnt. Ive called multiple times and today I spoke with a representative that said she didnt see the extension on the account only a catch up arrangement, she put me on hold after I asked for a supervisor and rerouted me to the main line where a representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I experience some irregularities on a XXXX credit card. I reported it to my credit card company on XX/XX/XXXX. The following day they closed the account and opened a new one. When I checked Equifax, my XXXX credit card had completely disappeared. It did not show that it was closed it was just not there and the new card was n't there either. I waited a week and contacted XXXX, they told me they reported to all 3 major bureaus both the closure and opening of the new account on the XX/XX/XXXX. They recommended I contact the bureaus. They also launched their own investigation after I was getting nowhere with Equifax. This investigation could take up to 30 days. When I contacted Equifax on XX/XX/XXXX they told me they have no information about me ever having a XXXX card and they also had no documentation that shows that XXXX told them to close and remove an account. They just have nothing. And they keep telling me since they have are not showing any XXXX Cards ( which they removed ) they ca n't investigate why it was removed. I contacted other the two other major bureaus and they were able to give me information. The other two documented the closure but not the opening of the new account. This is an account that has been reported on to Equifax since 2010 and I keep a close eye on all 3 bureaus. There is an obvious oversight if when they remove the card they remove all requests from the company. At a minimum they should still be able to access a final request that tells them to remove it.
Product: Debt collection

My youngest daughter, XXXX, broke her wrist this past winter. During the course of her treatment, there were times that my dad, had to take her to appointments as both her father and I had to work. I filled out all initial paperwork and indicated that I would be responsible for all billings associated with her treatment. I provided our home address and home phone number as the only contact information. 

I paid all bills that arrived in the mail and thought that I had taken care of all treatment costs associated with this break. However, my dad received notification that there was a physician bill that had not been paid and it was in collections under his name. 

I immediately called the provider, now XXXX XXXX XXXX XXXX ( previously just XXXX XXXX ) to find out what happened. I spoke with a XXXX in XXXX XXXX XXXX on XX/XX/2016 regarding the matter. She noted that XXXX had tried to mail the bill for the physician to me one time at our home address and it came back undeliverable. They did not attempt any other mailings, though I received multiple other bills to our home address for this and other services from the hospital during this time frame without incident. She noted that they then tried to call a cell phone number four times without getting a response. Again, I had not provided a cell phone number in any of the paperwork associated with this provider or claim. 

I indicated to XXXX that I always pay my bills with the hospital and would like to do so with this bill. However, given the circumstances, I wanted to request that the bill be taken out of collections altogether and especially in the name of my father. Further, given the amount of the bill, I requested that I be allowed to be put on a payment schedule as I would have requested right away had I received the bill. Both requests were denied. The hospital maintains that my dad is responsible for the bill as he took her to the appointments even though I had signed as the responsible party. 

Furthermore, I signed an Authorization For Release Of Protected Health Information To Family Members Or Other Persons that specifically indicated that XXXX could disclose information related to medical conditions, diagnosis or lab reports to both my mother and to my father. However, I did not indicate that billing inquiries on the account could be directed to them. Obviously, they disregarded this request. As neither my father nor I ever received any written documentation on the matter, I do not have an account number or more specific information on the collection agency the debt was sent off to.
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. 

I mailed in and disputed online XX/XX/2023 with Experian, XXXX. and XXXX to reinvestigate the following account : Account name : XXXX. Account # : XXXX. 

However, they stated everything was complete and updated. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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: Debt collection

I was recently denied my graduate student loans due to fraudulent accounts on my credit file which was due to identity theft. I have called the collection company " Midland funding '' about this and they told me the debt of XXXX is from XXXX XXXX. I never opened a XXXX XXXX account ever. On my credit file, it says that this collection account was opened XX/XX/XXXX. 

Also there is a fraudulent XXXX  XXXX XXXX credit card with a balance of XXXX. This account according to my credit file was opened XX/XX/XXXX. I have spoken to XXXX  XXXX XXXX about this but it still shows up on my credit file. I did not open this account and want it off my credit file.
Product: Credit card or prepaid card

Hello, I checked out of this place in XXXX. My reservation ended XXXX XXXX and I was given refund by the company. I had a feeling about these employees they seemed shady I blame them for this. I would like my charges to be refunded me and I guess cancel the card. Thank you. 


XX/XX/XXXX XXXX  # XXXX XXXX AK {$250.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$440.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$850.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$510.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$840.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$430.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$250.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$700.00} XXXX XXXX
Product: Debt collection

On Friday, XX/XX/XXXX, I called and spoke to a representative from Portfolio Recoverys legal department, to inquire about the balance on a XXXX account # XXXX. The representative stated that as a result of a default judgment that occurred on Monday, XX/XX/XXXX, at the XXXX Civil Court, the balance owed would be {$1300.00}. 

I informed the representative that at no time did I receive, or was I served a summons for the above-mentioned account, at my current address XXXX XXXX XXXX XXXX, NY XXXX. I have been living at this address since XX/XX/XXXX. This is the same address that XXXX had on record as of XX/XX/XXXX, and was the same address when Portfolio Recovery purchased the account on XX/XX/XXXX. 

Portfolio Recovery filed a lawsuit against me, and obtained a default judgment, knowing my current address, but failed to personally serve me, or even mail me a copy of the summons. I had no idea Portfolio Recovery filed a lawsuit against me, or the outcome until 3 days ago. 

From what I understand, this is a violation of the Fair Debt Collection Practices Act. ( FDCPA ) This collection account is also reporting inaccurately on my credit report, which is a violation of the Fair Credit Reporting Act. ( FCRA ) I am hoping to resolve this issue without having to obtaining legal counsel to have the default judgment vacated, and file a countersuit.
Product: Debt collection

I have submitted this notice to the company via certified mail and haven't received a response in reference to this, this not my debt and is ruining my credit I also sent a copy to the credit bureau and they have not provided proof of this reporting XX/XX/18 Recovery One XXXX XXXX XXXX XXXX, OH XXXX XXXX : Collection Account : XXXX amount {$2300.00} To Whom It May Concern, I am sending this letter to you in response to a collection notice I received on my experian credit report Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

Regards, XXXX XXXX
Product: Mortgage

I recieved a letter from XXXX XXXX of bayview loan Service acting as a agent for XXXX XXXX XXXX XXXX dated XX/XX/XXXX.. I responsed by phone and spoke with XXXX who informed me if I make three payment in a row and complete the HARP Loan appication and meet the aproval process any all pass due amount, fees and penities would be paid and I would have a new start. I made the three payment in a row and completed the HARP loan appication and met the aproval process. I received the aproval Loan Modification in in XX/XX/XXXX and sign the loan modification. I received a letter that said that I own three months pass due. How can I be three months pass due if the modification loan was to pay off any all pass due amounts, fees and penities.I have for the pass three years tring to resolve this matter with both Bayview Loan servicing and XXXX XXXX XXXX XXXX to no resolution.I have always believed that mistakes have been made by Bayview and they refuse to admitt these mistake until resently. I recieved a letter dated XX/XX/XXXX stating that I had been over charged XXXX .Which happen to be the amount of three past due month. I responsed by requesting copies of detail records of the account and a detail explanantion of the facts that lead to the credit balance. Also who authorize that that payment be applied to my principal balance. The pass three years have been very fustrating trying to resolve this matter with Bayview Loan servicing and XXXX XXXX XXXX XXXX. I have passed back and forward by both parties with out resolution. I have been trying to improve my credit score over the passed tens and hve been sucessful. The only derogatory item on my current credit report is the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( Experian ) dropped my credit score 20 points without any reason. There is no unusual action happened to explain this big decrease for my credit score ( no late payment, no hard or soft inquiries ). This happened on XXXX. I called Experian customer service on the same day to help me understand why this drop happened. I called them on { XXXX ( XXXX ) XXXX }. At XXXX XXXX, i asked customer service representative to explain and she dont have a clear answer. She gaves me examples how to boost my credit score. But she didnt explain or answer my question about my credit score decreased. She asked me to find a financial advisor. And i asked here to fill complaint for my case. She puts me on hold and finally she told me she did and i will receive a confirmation email shortly. But till this time i am filling my complaint here I didnt receive any email confirming my complaint to Experian or even explain what happened with my credit score. My concern is to understand why my credit score dropped at least to avoid reapet this mistake ( if found ) in future. And if there is no reason for this decrease and it happened by mistake from Experian so i want to get back points i lost from my credit score. ( I attached here with my complaint a screen shots from my account on Experian showing that i did all my payment on time consistently for 16 months. And showing also how my credit score dropped by end of XXXX, XXXX points comparing with the month of XXXX. Considering there no hard/soft inquiries accured in this report period.
Product: Credit reporting, credit repair services, or other personal consumer reports

We ( XXXX XXXX ) received this loan in XXXX from the below company.Shortly after the car was not functioning appropriately and was not working .The company refused to fix the vehicle and resulted in us making no further payments and that the company was then called to come and pick up the vehicle.They never fixed the vehicle or returned it to us .We have tried to contact the company to make restitution and have found that they have gone out of business and has several complaints on the XXXX.They removed the repossession from my wife 's credit report some time ago but not mine. We need this removed ASAP it is interfering with our home loan.Please contact XXXX XXXX XXXX or by email XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$13000.00} You've paid off 16 % of this loan OVERVIEW Highest balance {$13000.00} Monthly payment {$420.00} Opened XX/XX/XXXX ( 6 yrs, 6 mos ) Term 44 months ( 3 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Joint Remarks Repossession Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX USA ( XXXX ) XXXX