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

LexisNexis continues to report an alleged bankruptcy with no validation of the alleged bankruptcy. I called the XXXX XXXXXXXX XXXX XXXX XXXXXXXX and spoke to the clerk of court who stated the court does not release court filing to any third party unless they are a party to the case or legal counsel. 

LexisNexis is not a party to this filing nor a legal firm or entity therefore there is no way LexisNexis can validate this alleged bankruptcy under FCRA.

I have repeatedly asked for verification records on who exactly provided this alleged bankruptcy to LexisNexis so I may follow up with that person. LexisNexis has provided no evidence of said bankruptcy records and continue to furnish this inaccurate information to the reporting agency.
Product: Credit reporting or other personal consumer reports

These inquiries were made without my explicit consent, and I believe they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( Permissible purposes of consumer reports ) and 15 U.S.C. 1681XXXX ( Limitations on information sharing ). 
XXXX XXXX XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXX
Product: Debt collection

I received a letter from Convergent Outstanding Inc saying that I owe {$650.00} to XXXX. I never opened an account on my own with XXXX. I was under my dad 's plan, under his name and always paid in full. I do not owe any debts to XXXX as I never had an account. 

The first time I received a letter was two months ago for about {$220.00} and I paid for it without thinking because there was a time in college I let my friend used my address for phone bill since he lives in a different state, and plus I don't want a debt to ruin my credit so I paid for it without even checking in with my friend first. However, after confirming with him, and he called XXXX to confirm this and they said they have no record of a debt I wish I did some research before paying for the first time. I've learned a hard lesson. Also, everything I received in mails ALWAYS included my middle name or middle initial. ( see attached and you don't see my middle name/initial ). This company is a fraud and horrible and these people need to be stopped.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX Chime or someone at Chime transferred XXXX $ to an account on XXXX XXXX without my permission. Been working the problem out with a guy name XXXX XXXX today the number discounted. Put in a dispute with Chime and they emailed me back saying it was denied but on email they had wrong card number. I keep calling same unprofessional people they haven't mew card or anything about me being scammed. I need help please it was my XXXX XXXX  and my rent is due.
Product: Student loan

On XX/XX/XXXX, I made a payment for {$8900.00}. My student loans were transferred to Fedloans on XXXX, XXXX, I emailed XXXX regarding refund for COVID-19 payment made and was provided with reference # XXXX. On XX/XX/XXXX, I requested a full refund for payment made during COVID payment pause to Fedloans. On XX/XX/XXXX, I spoke with a Fedloans PSLF specialist and provided them with the reference # XXXX case number ; I was informed the refund request was processed and to expect a full refund first week of XX/XX/XXXX,. 

On XX/XX/XXXX I also received a letter that my loans were forgiven through the PSLF program. 

XX/XX/XXXX, I contacted FEDLOANS again, and was informed the refund request showed it was processed on XX/XX/XXXX but was later cancelled. No reference number or date of when this request was cancelled. When asked who cancelled the request, I was told, " The system does not provide this information, but you should have received a letter to your Fedloans message emails. '' I explained I had not received any communication of the refund being cancelled and asked they look it up on their end. The customer support representative checked the account and was surprised to see no letter/communication of the refund being cancelled was sent. 

My loans were forgiven and refund was not processed and the customer service representative stated I needed to call my loan services. I explained to them there is no loan to be serviced and asked which servicer I needed to contact. Needless to say, I was not provided with clear, concise information and I am still owed a refund for the amount of {$8900.00}.
Product: Credit reporting or other personal consumer reports

Last year I had received a copy of my consumer report with Experian. I was denied credit and an apartment due to the items being reported. I called Experian to dispute several items. The items I disputed were never changed or improved or proven if investigated. I then learned that I was a victim who had rights to fair credit reporting. I submitted my first request to Experian to block adverse items of information on my consumer report pursuant to FCRA Section 605C and the Debt Bondage Repair Act on XXXX XXXX. 
Experian failed to follow the required procedures as outlined in the FCRA and their written policies. Experian failed to conduct reasonable disputes with the intent to follow procedures to meet the immediate need of survivors who need access to credit or consumer financial products and services for housing and employment. 
Experian did not comply with record keeping requirements to monitor compliance. 
Experian did not respond to my submission within the four-business-day period required by law.
Product: Debt collection

An old debt from XXXX XXXX in XX/XX/2014 was already paid before it reached collections. However, Common Wealth Financial purchased the debt from XXXX XXXX XXXX, who was also repeatedly told not to contact or sell my personal information with anyone They were also told to cease and desist all contact with me in the future.
Product: Money transfer, virtual currency, or money service

There was an Online account opened in Wells Fargo Bank with out My Consent.. did money Transfer between other people and in XXXX 

Wells Fargo is already aware as Im just leaving th branch. 

Thank you XXXX XXXX XXXX
Product: Credit card

The XXXX of XXXX XXXX charged me {$90000.00} through my American Express card instead of a beach entrance fee on XX/XX/2023. It has been a nightmare trying to get this resolved with Amex, I opened a case with them on XX/XX/2023. This charge is still sitting on my account and accruing interest ( charge on XX/XX/2023 ). This is not standard business practice from disputes I've done in the past, I have always had the charge and interest held. I have gotten no answers on when this will be resolved, how interest is being accrued and I am worried this will impact my credit score. I was able to get through to the CFO of XXXX XXXX, who noted that Amex contacted her in the middle of XXXX and she had said then that the charge is false. This exchange was not documented by Amex. She has also e-mailed me a letter for proof. I am attaching XXXX documents highlighting my case : XXXX Amex charge file : This is noting the entire timeline of what has happened and the amount of times I have contacted American Express for a resolution. I have spent XXXX hrs on the phone with multiple agents and have gotten no ETA or clarity on how this is being handled as well as important details such as if interest will be charged. Even after updating Amex that I have contacted the merchant and have written proof this charge is false, there has been no movement on my case. 

Letter from XXXX XXXX file : CFO of XXXX XXXX has written that this charge is false and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX
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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  Acct Service # XXXX, Account Name : 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 and other adverse item of information, other than 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 any reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name, address, date of birth, and Social Security Number ( SSN ). 
These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. Specifically, I request that the following incorrect information be removed : XXXX XXXX XXXX, XXXX, NY, XXXX. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2020, I applied for a credit line increase with Total Bank Credit Card. I received correspondence through the messenger service from Total Bank, where they requested my tax records to support the income I was stating I made. ( The letter is attached to this complaint ) I sent the required information, and several days later, they called me to tell me they received the document, then they stated I had to unlock my XXXX  credit report to view my credit file, and I explained that it was not locked. The representative insisted that it was, and I then checked and confirmed it wasn't. After several minutes of explaining the information about my credit file not being locked, she stated that it was my XXXX XXXX credit file. I then told her the representative that I do not have a credit file with XXXX XXXX ; however, they are accessible to make a soft inquiry with XXXX  and Equifax. The representative then stated I was interfering with the process to give me a credit line increase, mind you this was not mentioned in the attached correspondence from them initially. The comment was outrageous. Total Bank is one of the most questionable financial institution I ever dealt with. I have been an excellent paying client ; however, this is not a customer service friendly financial institution, but more so, a company more interested in creating fees as well as inconveniences for it's the consumer. 
This attempt to have a credit line increase showed me this bank again has some questionable practices, since becoming a customer, I seem to have misunderstood many things. Troubling on so many levels
Product: Bank account or service

Rush card has completely been so disrespectful with their most recent system set back. Let alone i have transfered money from one account to the next and the funds are nowhere to be found. I 've been hung up on numerous of times and on hold now for over an half hour. My car payments and insurance has been paid late and rush card has no compassion of the matter and all I want to know is where is my money. I will be closing accounts associated with Rush Card due to the lack of services and the set backs on paying bills. I never want experienced this again I was an loyal customer since 2011 but I will be continuing putting all all funds through a real banking service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair credit reporting act states that someone is suppose to have your consent to pull my credit. And if they dont have my consent they are violating a federal law called the FCRA XXXX The company pulling your credit must provide documented proof of documents with my signature on it that I authorized and provided consent for the hard inquiry. The FCRA says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries listed below. If they fail to provide this documentation then XXXX, Experian and XXXX must remove these inquiries from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account. 
I want you to know that I understand, and have great respect for my financial obligations. 
Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This collection agency has violated FRCA 15 USC 6802. I was never given the opportunity for non disclosure option in any shape or form. Not only is GM Financial continuing reporting inaccurate information AGAINST MY WILL.This has completely violated of my consumer privacy rights when they allowed a 3rd party ( FMA Alliance ) to obtain my confidential personal information.This collection agency has engaged in false and misleading practices violating FDCPA 807 and providing misleading forms violating FDCPA 812.This matter has effected my privacy and cause defamation of my character. This Agency had repossessed my car violated my rights under 15 USC 1692F. When They released my information and privacy to a repossession company. This agency recently had been in a lawsuit for violating 15 USC 1692 F.I asked for this to be resolved by removing this negative remarks OFF my credit report with all 3 credit bureaus as I the " consumer '' have NOT authorized XXXX XXXX to report ANYTHING on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed Equifax is still reporting XXXX XXXX XXXX XXXX XXXX on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX, Experian, and XXXX of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  - XX/XX/2024 XXXX  - XX/XX/2024 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: Mortgage

Dear Sir or Madam, In 2006 me and my wife purchased a condo located at XXXX XXXX XXXX, XXXX XXXX About 10 years later we moved out and have since rented the property out as the real estate market in that area is not great and we would like to hold off on selling. Since that that time the mortgage has been refinanced and serviced by various lenders. We have never been late or missed a payment. We have tried for the past 5 or so years to eliminate private mortgage insurance but each time the lender at the time provides some reason why the mortgage insurance can not be cancelled. I realized recently that our LTV was well below the 78 % needed to qualify for automation PMI termination that you mentioned or your website. 
A few weeks ago I called the servicer ( Mr. Cooper ) and explained this to them and they said they would look into it. I never heard anything back. I wrote them a letter last week and they responded that at this time can not cancel it because their investors require per the attached letter. From my research I was under the impression that the 78 % LTV was the rule as far as PMI termination was concerned. Now the lender is stating it is lower and I'm pretty sure that in a few years they will again lower the threshold again. Could someone please help me understand why my PMI is not being cancelled or contact the lender to find out why. I've been paying PMI now for 15 years and it doesn't seem right. Im already paying an interest rate above the market to begin with. I appreciate your timely help with this matter XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance. with fair credit reporting act XXXX  account # 15 USC 1681Section 602 States I have right to privacy 15 USC 1681 604 A Section 2 : it also states a. consumer reporting agency can not furnish my account with out written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for a late payment