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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANC {$0.00}
Product: Debt collection

My credit report has a medical collection which should have been covered by my XXXX coverage ( for the XXXX of my XXXX ).
The original creditor was XXXX XXXX XXXX.
They sent the bill to : Syndicated Office Sy XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX The collection account was opened on XXXX XXXX, 2012 for {$4000.00}.
I 'd appreciate your help in removing this collection.
Product: Debt collection

Dear CFPB, I am writing to formally dispute inadequate information on my credit report that is violating my rights of the following regulations. I believe these inaccuracies are in violation of the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : The credit reporting agency failed to validate the information under this act.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The credit reporting agency did not give me a chance to dispute account before attaching it to my credit report.

12 CFR 1006.34 ( d ) : No authority to furnish my acct to a consumer reporting agency without providing any and all disclosures required by law.

15 U.S.C. 1681s-2 ( a ) ( 7 ) : The credit reporting agency failed to maintain reasonable procedures to ensure the maximum possible accuracy of my credit report. 

I ask them to violate the debt and give me a purchase agreement between me and the original creditor. And to provide me of proof of their licensed and bonding. They are using false misleading and misrepresentation and deceptive means. 

I also ask that this agency do not communicate to me thru, text, call or email Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I seen a debt collection show up on my credit I immediately called to see what it was pertaining to. When I realized I owed the debt I paid it immediately {$550.00} To date I still have this on my credit report I have never received a paid in full letter and this is hurting my credit and stopping me from getting a car loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX  XXXX  from birth 2.my address has always been XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  FL XXXX  3.I never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP
Product: Credit reporting or other personal consumer reports

Upon on Reviewing my consumer report I noticed hard inquiries that i did not make nor did I approve anyone to pull my credit report
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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX & XXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


FIRST XXXX XXXX & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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. 

U.S. BANKRUPTCY COURT : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX IN : # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my total and permanent XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop 50 points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account numerous of times with Enhanced recovery company XXXX XXXX XXXX XXXX XXXX. This company deletes the account just to add it back months/years later after not sending validation of the debt from the previous times it was disputed. Its getting a bit frustrating having to deal with this company after they have failed to validate this debt and ignoring your letters
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the data furnisher for XXXX XXXX Experian, XXXX XXXX DELETED an unverifiable XXXX XXXX bankruptcy from my credit file. XXXX XXXX Experian deleted the bankruptcy from my credit file too, but left several erroneous accounts on my credit file associated with the deleted bankruptcy. I filed two disputes with XXXX XXXX Experian by phone on XX/XX/XXXX and XX/XX/XXXX, but these unverified accounts still remain. 

I also summitted an affidavit from the FTC by mail that my identify had been compromised last year ( XXXX ). 

XXXX remaining accounts for deletion are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Experian remaining accounts for deletion are : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information contained in my consumer credit report. These items are incorrect and do not reflect accurate information regarding my credit history. 

-- -- -TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

XXXX and XX/XX/year> XXXX  payments from Chase Bank. We're processed without my authorization. I never authorized provided information of regarding my accounto anyone? Chase claimed no refund due because I authorized the payments which is not true.I did not.This is not a scam is broad broad
Product: Checking or savings account

I opened up a checking account with TD bank for a promotion bonus of {$400.00}, which was mailed-in to my mailing address. 

The mail-in offer sent to me by TD bank states the criteria of having a direct deposit totaling {$2500.00} in the first 60 days of account opening to obtaining a promotion bonus of {$400.00} within XXXX mo of account opening. 

I met the criteria and waited for XXXX mo as per the instructions from TD Bank Customer service. 

I repeatedly asked and confirmed if I have to wait for full XXXX mo and TD bank kept promising that account opening promotion bonus would be deposited as all the conditions have been met. 

Post recent conversation, the TD bank branch employee at XXXX XXXX, XXXX, XXXX named XXXX also confirmed the same that I should have received the bonus by this time. 

TD bank customer making falsified claims that there could be some issue with mail-in offer and thus the bonus not deposited. 

TD bank performing malpractices and making false advertisements to lure customers to open bank accounts with them and then not honoring bonus. 

TD bank should be penalized hefty monetary fines for cheating U.S. netizens and should not be allowed to operate on U.S. soil. We do not such financial institutions who cheat their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$2000.00} Jpmcb card services XX/XX/XXXX {$2000.00} Jpmcb card services XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$2000.00} Jpmcb card services XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$2000.00} XXXX on in the year XXXX {>= $1,000,000} for violating my consumer trust laws and regulations concerning keeping data safe and secure from pirates and preditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and Transunion and XXXX their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis Accurint Report ( XXXX ) to XXXX regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report. 
On XX/XX/2023, LexisNexis responded to CFBP Complaint XXXX XXXXXXXX with an attached letter titled XXXX XXXX ( XXXX KB ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : In addition, LexisNexis initiated a dispute, and that investigation was resolved on XX/XX/2023. During our investigation, LexisNexis located and verified possible criminal records listed in XXXX XXXX file with LexisNexis. A resolution letter outlining the results of our reinvestigation and XXXX XXXX statutory rights was mailed directly for his review. How could LexisNexis possibly verify an alleged Possible Criminal Record when I do NOT have a criminal record? Under Illinois law, it is unlawful to engage in defamation of anothers character and reputation. To report that I have a criminal record when I do not is defamation. LexisNexis reporting of an alleged criminal record is injurious to my reputation. In Illinois, traffic offenses are NOT considered criminal offenses. The item LexisNexis is reporting does NOT list the specific court where this alleged traffic offense occurred. I do not recall this traffic offense and it is not listed on my DMV driving record. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA. Additionally, LexisNexis failed to include any tangible evidence to support their incorrect reporting of " Possible Criminal Records '' on my LexisNexis Accurint Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I started my dispute with Equifax, They locked me out of all credit monitoring services. I can not monitor my account for for changes or fraudulent activity or important changes. I have provided multiple government identification documents and financial information to prove my identity.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my experian credit report from XXXX XXXX that I did not authorize from 2022.
Product: Bank account or service

Td Bank is reorganizing debt transactions from highest amount to lowest, causing more overdraft fees. I have paid over {$3000.00} in less then XXXX years because of this. I am a single mom of XXXX, that makes enough to cover bills. however with what i pay in overdraft fees it has put me in a hole. i pay the fees, then ontop of that I have to pay for my bills putting me back into the hole. i get paid every XXXX weeks, in XXXX week i had to pay over {$630.00} because of how they processed the transactions, i only make {$690.00} every two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint to delete the followingfraudulent items in my file that are reporting on XXXX and TransUnion Credit Bureaus. Iam a victim of identity theft and did not make the charge. I ask that the items be deleted tocorrect my credit report. I reported the theft of my identity to the Federal Trade Commissionand I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Ioffer my testimony herein that I have not authorized or given anyone access to my privateand confidential records and certainly not the alleged and also the inaccurate personalinformation showing on my credit report. I therefore request that you immediately removethese items from my credit report with your firm, or provide me with the exact source whereyou received such information, so I may take appropriate legal action. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX XXXX XXXX XXXX CA XXXX ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I sent a validation letter on XX/XX/XXXX. NAS Omaha received the letter XX/XX/XXXX it's been over 30 days and I haven't received a letter from them
Product: Credit card

Hello, I had been a long standing Citi Credit Card customer for the last 16 years having the account go back to 2000. In XXXX the account abruptly closed without notice to me. I only found out about this when I attempted to update my contact info and was unable to online. When I called to update it I was informed the account was closed due to inactivity. Like many other young Americans I 've been working my way out of debt and had reserved this card for emergencies. Had I known of an inactivity limit or been given a warning I would have taken steps to prevent this. 

Upon learning this I asked for the account to be reopened and was informed I would have to submit a new application for this including a credit check. I do n't understand why this was necessary with 16 years of good history but I consented even though it would mark as a hit to my credit. A few weeks later I received a letter saying my request had been denied due to insufficient information even though I answered every question asked by the representative during my original phone call. I was given a number with a time window to call and have this taken care of. I called the provided number and after a 1/2 hour on hold was told a different department would need to call me back. They never did. I wrote an email stating I did not understand the problem and asked for the correct people to call me. Another generic customer service rep called and again transferred me to a different department. They said I needed to submit a new application, something I had already done something I did n't want to do with another hit to my credit. During this process I was disconnected and was not called back. I wrote again asking the correct people to call me and stating I do not understand why this is such a hassle. 

During these phone calls I was also given conflicting information by 4 or 5 different representatives. Some saying I had 3 months to reopen the account, some saying one year. In either case it has resulted in unnecessary credit reports being pulled potentially damaging my credit. Citi fails to properly process my requests and give me accurate information about the status of my account and reapplication. One simple phone call from an appropriate representative could have solved all my problems.
Product: Credit reporting

Transunion is not doing a thorough job in verifying inaccurate information on my credit report. When calling by phone, the reps are rude, do not understand English, and just do a canned dispute. XXXX XXXX ( XXXX ) has been playing games with my Transunion credit report for about six months. First this company knowingly placed a bogus 30-day late on my credit report because consumer researched Alabama usury law and filed a complaint with a state agency. Consumer had to file a complaint with CFPB to get Transunion to act and follow FCRA. Transunion then apologized for its error, and the 30-day late was removed, but XXXX placed a bogus balance with a satisfactory account. Consumer disputed this because the account has been PAID IN FULL since XXXX XXXX, XXXX, and then Elevate placed a delinquent balance that is different from the previous balance on the credit report. Again, Transuion, by phone dispute, stated the item had been verified as accurate. Then, another complaint with CFPB where XXXX placed back that bogus balance with a satisfactory account -- trickery. Consumer placed another dispute with Transunion stating that the account is PAID IN FULL. Then XXXX placed a delinquent account with a different balance, and Transunion verified as being accurate. Consumer placed another dispute with Transuion because account is PAID IN FULL. Then XXXX, again, placed a bogus satisfactory account with a different balance, and Transunion verified as accurate. Consumer placed another dispute with Transuion because XXXX, again, placed a delinquent account with a different balance, and Transuion verified as being accurate. Enough of the game playing from XXXX. Consumer is not sure why Transunion can not figure this out and just keep claiming they verified this back and forth, switch and bait, reporting. The integrity of this credit reporting agency should come into question. This is not fair to the consumer to let this back and forth go on. XXXX is willy nilly placing inaccurate information on my credit report to force me to pay something I do not owe!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and urgently request the blocking of fraudulent information appearing on my TransUnion credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) XXXXB ( XXXX U.S.C. XXXX ). This complaint mandates that you remove fraudulent information within four business days of receipt. 

Details of Fraudulent Information : Apartment Lease : XXXX XXXX XXXX : Opened XX/XX/XXXX, discovered fraudulent on XX/XX/XXXX. 
Utility Accounts : XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX, discovered fraudulent on XX/XX/XXXX. 
XXXX XXXX : Opened XX/XX/XXXX. 
XXXX XXXX Account XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX. 

Hard inquiries : XXXX XXXX  XXXX XXXX These unauthorized accounts have led to numerous fraudulent hard inquiries and collections on my consumer credit report, thereby damaging my financial reputation and mental well-being. 

Attached Documents : A copy of the FTC Identity Theft report. 

These accounts and inquiries were not authorized by me and are a direct result of identity theft. It is crucial that these items be blocked from my credit report to ensure the accuracy of my financial records and to stop further damage to my credit status.