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

On XX/XX/2023, XX/XX/2023, XX/XX/2023 I got in contact with lexisnexis about false reports on my background as well as requested multiple copies on those dates and other dates and I have not received my reports or updates. I contacted lexisnexis two more times asking why I have not received anything being passed the 7-10 business days XXXX. Because of these false reports, my car insurance skyrocketed above XXXX XXXX my liscense is suspended, I am getting denied everywhere and I am about to lose my job because XXXX XXXX XXXX XXXX XXXX This is causing major chaos in my life. No one has done anything to resolve whats happening. No action has been taken by the company.
Product: Credit reporting or other personal consumer reports

Bank of America failed to correctly research and rectify an incorrect report
Product: Credit reporting or other personal consumer reports

I am personally filing this complaint regarding late payment entries on my credit record. Upon examination of my files, I discovered these late payment notations. I sent correspondence about this issue more than XXXX days ago, but have received no reply, nor has adequate validation been provided. I seek your assistance in addressing and resolving this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent company called XXXX is illegally reporting on my credit reports. I've reached out to them about this account numerous of times asking for the signed lease documentation and have received nothing. I reached out to the supposed apartment complex who says I co-signed on a lease in XXXX GA. I have never lived in XXXX GA nor have I signed a lease. They claimed during the pandemic I vacated my lease. I've never been in XXXX and nor do I know anyone in XXXX. I am taking legal action against this debt collector who has given me different stories many of times. This collector had the wrong social security number and when they called me I gave them my correct social and they claimed it was an error and then they started reporting on my credit. I gave them my social to prove it wasn't me and not for them to add the debt to my report. I've lived at my texas address for almost 8 years now and my credit report shows exactly that. This is not a case of stolen identity this is a case of this debt collection agency putting the bad debt on my name because someone has my exact same name. I've dealt with this issue before with another debt and they were able to find the correct person. When I called XXXX they told me to pay 30 % of the debt and they'll remove it and I don't see why I need to pay anything because it's not mine and the opportunities I am missing due this on my report is great.
Product: Credit reporting, credit repair services, or other personal consumer reports

Military Star card - reporting late on 3 credit reports XX/XX/2019 by 30 days. account number XXXX account has never been late
Product: Debt collection

I disputed two separate accounts with Navy Federal, on all three of my credit reports. I have sent Navy Federal and all three credit unions written notification, asking them to send back verification, and the original signature page showing these two accounts belong to me within 30 days. I have submitted these disputes multiple times over the last year and seven months. Navy Federal sold the car loan with out verification right before the retention date whats up and Ive asked the new company to send verification and I havent. The same thing has happened with the credit card that is still on my credit for {$6000.00} and it needs to be removed immediately because I have continuously disputed these accounts with Navy Federal asking for verification and they continuously verify the information through the automatic credit bureau system, and they never send me a signature page, the address it was attached to and a certified verification letter in written form, so I need for these two accounts to be removed from all three of my credit reports immediately.
Product: Credit card

I applied for the PNC Bank credit card and was issued the card. I wanted to use it to transfer balances and to pay for a vacation to XXXX. When I booked my vacation through an agency, my card was blocked and I had to call to release the block and at that time told the rep I would be using it while on my trip to XXXX and that I would need to make sure it is available when I try to use it. The rep unblocked it. I also called the day I flew out to put PNC bank on notice I was traveling to XXXX and would be using the card. I just got my statement and I see PNC charged me XXXX different finance charges totaling up to {$180.00}. When I called the bank they said they charge to use my card overseas. I said but on XX/XX/24, I booked my trip from XXXX here in the states and at no time did anyone ever say I would be charged fees if I use the card overseas. They had XXXX different opportunities to tell me they charge for use overseas but didnt say anything about it. Now I have {$180.00} in fees on my card. This is unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion - Credit Reporting Company, TransUnion is reporting my XXXX XXXX XXXX XXXX XXXX XXXX  ) Account as {$3200.00}. 

The existing balance on my XXXX XXXX XXXX XXXX ( XXXX ) Account is {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Debt collection

No, a collection agency can not collect in a state without a license in that state. They also can not report a debt to your credit report without being licensed. 
Debt collectors must be licensed in the state where they operate and in the state where the debtor resides.

The XXXX  Consumer Collection Practices Act ( FCCPA ) requires all debt collectors to register with Florida, including those who are out-of-state.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$5300.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts currently appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please all names and addresses that are not as following. Anything, else if identity theft and fraud. NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. ALL OTHERS REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received investigation results. 

XXXX XXXX XX/XX/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
Product: Debt collection

CREDIT SVC CO Last reported XX/XX/2021 {$13000.00} Open balance XXXX XXXX XXXX Original creditor Original balance was XXXX. They are charging interest on this debt that is invalid. 

According to the " employment agreement '' that was signed I would only be charged if I terminated my employment within the first 2 years of employment at XXXX XXXX XXXX. I had already worked there for 3 years when the contract was signed. The agreement did not state that my time of employment would start with the signing of the agreement. The agreement also stated that I would be given skills that I did not previously have. I did not obtain one new skill that was not previously possessed. In fact since I had already been employed there my preceptor told me I knew what I was doing and to get her if I had any issues. This was not a full training as I was supposed to receive. These areas invalidate the agreement. 


Attached is a copy of the employment agreement that I made before signing. Also included is a copy of my scheduled work dates from my start of employment to my termination. This proves that I worked there for more than three years, invalidating the agreement requirement of remaining employed for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute with XXXX  XXXX XXXX about reporting of a foreclosure on a HELOC account was corrected by XXXX. They sent all 3 credit reporting companies a letter to correct the account. XXXX  and XXXX   understood the letter and corrected our accounts. Equifax did not make proper corrections. They made the change to show the HELOC charged off, but they did not remove all of the 180-day late postings back to XX/XX/XXXX, as they should have. They are still incorrectly showing 180-day late for every month through XX/XX/XXXX. They sent us a letter stating that they made changes based on XXXX responses, but they clearly didn't read the letter closely. 

Refer to CFPB dispute number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ID ( # XXXX ) with the President 's Office at XXXX XXXX Auto Finance stated the attached application was complete even though undated and allowed XXXX XXXX permissible permission to access my private information which then led to a forged and fraudulent loan in my name. I was truly amazed even when the application states at the top that incomplete applications will not be processed. Attached is a memo I faxed to her attention.
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 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 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 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 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.

Chapters
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Charge for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the late payment charge applied to my XXXX XXXX XXXX XXXX for the billing period of XX/XX/year>. Pursuant to 15 U.S.C. 1666b, which governs the timely crediting of payments, I believe the late fee was assessed in error. 

Federal law requires that payments be credited to an account on the date they are received, provided they meet the creditors reasonable payment requirements. My payment for XX/XX/year> was submitted in compliance with these requirements and should have been credited promptly. Below are the details supporting my claim : XXXXPayment Submission : I made my payment on XX/XX/year>, which was prior to the due date of [ XX/XX/year> ]. Enclosed with this letter is documentation of the payment, including [ proof of payment, such as a bank statement, payment confirmation email, or screenshot from your online banking system ]. 
XXXXTimely Crediting Requirement : Under 15 U.S.C. 1666b, creditors are obligated to promptly credit payments received on time. If there was a delay in processing my payment, that is XXXX  responsibility, and I can not be penalized for it. 
XXXXCompliance with Reasonable Requirements : I followed all reasonable payment instructions provided by XXXX, including [ examples, such as mailing the payment to the correct address or using the designated online payment system ]. If there were any unclear or unreasonable requirements that delayed the crediting of my payment, this also falls outside the scope of what can legally result in a late fee. 

Given that my payment was made on time and complied with all reasonable requirements, I respectfully request that the late fee and any associated interest charges for XX/XX/year> be removed from my account. 

If you disagree with my position, I ask that you provide documentation showing either ( a ) that my payment was received after the due date, or ( b ) that I failed to comply with reasonable payment instructions. Absent such evidence, I trust you will resolve this matter promptly in my favor. 

Thank you for your attention to this matter. I look forward to your response. 
Respectfully XXXX XXXX XXXX without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel i was negatively impacted hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 

Please provide validation of debt or please remove false accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : dispute Re investigation I recently disputed the following accounts that were reporting inaccurate misinformation on my consumer file and you seem to have mistakenly verified them as accurate. The following accounts are not mine. Maybe the source is unreliable, but I need you to perform a Re investigation into these accounts and delete them Immediately : Account # XXXX XXXX OPENED XX/XX/2021 Account # XXXX XXXX XX/XX/2021 Law 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes The following accounts are in violation of these laws and need to be deleted from my consumer report immediately
Product: Debt collection

I am not aware of any debt owed to this company and is a direct violation of my rights as it pertains to the Fair Credit Reporting Act 15 usc 1681
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} +Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a
debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX Opened XX/XX/XXXX + {$2100.00} +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Every day a company names sequium asset solutions calls my cell phone about a XXXX  bill. I do not have a XXXX bill, and got this phone number only this fall.
Product: Credit reporting or other personal consumer reports

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it remains unaddressed. This unauthorized information, linked to my name due to identity theft, has severely affected my life, causing considerable distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX an unknown company reported a collection on my account. I disputed this on XX/XX/XXXX with XXXX, XX/XX/XXXX with equifax, and XX/XX/XXXX with XXXX 

After some research, I determined the account was related to an old account from XXXX. It was an old electricity bill that I never received when I moved. I was made aware of it in XXXX, paid it immediately as agreed, and obtained a release of debt from the original creditor / agency ( XXXX XXXX / XXXX XXXX ). At that time in XXXX I disputed the charges, provided my release of debt letter, and it was removed from my reports with all 3 bureaus. 

Providing the release of debt letter this time around, resulted in only 1 of 3 bureaus removing the information ( XXXX removed it but the others did not ). Not only is the debt more than 6 years old ( possibly past the statute of limitations ) and already settled and paid as agreed, abut the 2 agencies in question are reporting it as a new collection with a date of XX/XX/XXXX. 

Recently, I applied for a mortgage and noticed my scores with XXXX and Equifax are over XXXX points worse than my scores with XXXX. This error on their part is costing me significant money in addition to the time I've spent and frustration I've felt in dealing with this error. 

XXXX doesn't even have a way to dispute the item, when I log into their system it doesn't show up as an item that can be disputed. I had to dispute it thru XXXX XXXX.
Product: Mortgage

We closed on our home XX/XX/2018 and were informed during the closing that in South Carolina we would have to demonstrate to the Tax Assessors office that we lived in the home in order to receive the 4 % tax rate. However, closing costs were calculated at 6 % and mortgage payments would be made at the 6 % rate until the assessor reduced the amount and sent us the final bill. We proceeded and received the XX/XX/2018 final bill on or about XX/XX/2018 and sent it to LoanCare ( attachment : Tax bill ). LoanCare responded XX/XX/2018 ( attachment : First response ). After that response, I called LoanCare who then told me that I needed to submit an Escrow Analysis request in writing which I did ( attachment : request ). I received acknowledgement of the request ( attachment : acknowledgement ). I called to inquire based on their response on or about XX/XX/2018 at which time I was informed that it was not complete yet. I followed up on XX/XX/2018 at which time I was told that an escrow analysis would not be completed until XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that there is incorrect information reported. I request that this information be removed immediately. I am in the process buying a home and need all inaccurate information removed.
Product: Credit reporting or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account XXXX  Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : 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 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. 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: Student loan

I went to return documents to Navient and was redirected here because they are under scrutiny.