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

I had recently discovered that XXXX XXXX XXXX, are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

By sharing my ( Bankruptcy # XXXX ) with XXXX XXXX, XXXX  XXXX XXXX  which it clearly state on my credit reports that these CREDIT BUREAS use your company to report informations on my credit file. ( letter attached ) Because your company shared my personal information thats a VITAL violation of my consumers right to privacy under the fair credit reporting act 15 U.S.C. 1681 et seq., Congressional findings sec. A 4. Because i never give my consent or permission to Lexis Nexis to furnish my personal information to anyone. I DEMAND YOU, XXXX XXXX, XXXX AND XXXX  remove the bankruptcy IMMEDIATELY FROM MY FILE as YALL knowingly violated the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
FOR SHARING MY PERSONAL INFORMATIONS. This item ( Bankruptcy # XXXX ) should be removed IMMEDIATELY I have attached a VERIFICATION PROCEDURE LETTER from US bankruptcy court District of New jersey where it state that they DO NOT report information directly to the CREDIT BUREAUS. 


The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA ONCE YOU HAVE REMOVED ( Bankruptcy # XXXX ) PLEASE SEND ME A UPDATED REPORT THANK YOU
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. This company is on my credit report this vehicle was paid in full by me because it was on my credit report. I never signed an insurance policy but was given insurance by the dealership not knowing it would be canceled the following month. This vehicle was repo by XXXX XXXX and they made a deal with me if I was to pay the full balance they would remove it from my credit report. So I paid them XXXX cash XX/XX/year> and this is still on my credit report
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention in correcting some adverse information on my credit file. However, I still find accounts that need to be repaired. Therefore, I request that all inaccurate information for the accounts listed below be fixed immediately : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$31000.00}
Product: Debt collection

My husband, XXXX XXXX XXXX, and I each paid our amount owed to the IRS each year. We should not have a balance due.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 at XXXX XXXX I purchased three baseball tickets for {$180.00} using Zelle thinking there was some sort of protection for the purchase. Ultimately I was being scammed and there was no recourse available to prevent other consumers from being scammed. Zelle does not even provide an opportunity for the consumer to report fraudulent activity that their service is helping perpetuate. Their automated system hangs up on callers that were not using the app for their service. Even if I was unable to get my money back I wan na do prevent the same fate befalling others. It does not make sense for there not to be a system in place to report fraudulent activity occurring using their service. If an account is flagged they should freeze the account until it can be determined that the person is not performing criminal activities. My XXXX  XXXX directed me to contact zelle claiming an inability to do anything. Both companies claim that they are unable to act anf equate the transaction to cash. The problem becomes that you can report cash thefts to the authorities whereas XXXX and zelle claim to not be the authorities.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that there was some hard inquiries that are not mine on there
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mulitiple hard inquiries I never authorized. I have disputed multiple times without them being deleted or updated. XXXX  is the only one that fixed because I was in their breach These inquiries I did not authorize or request XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This one is a duplicateXXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX duplicate already done in XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Student loan

Navient, my student loan servicer, is constantly adding/removing new accounts even though no activity has taken place on these accounts since the National Emergency Forbearance was granted. Also, Navient had me enrolled in a program where my payments were only $ XXXX/mo, then they unerolled me in the program and now I have 14 late payments. I didn't even know the terms had changed from {$5.00}, to over $ XXXX/mo. It seems unfair that this was not properly communicated and there seems to be no remedy. I have been paying on my student loans since XXXX, it only shows a few years of payments, thus making my payment history out of ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report from XXXX that currently still show inaccurate information and incomplete information listed on my credit report. I have sent 3 request to XXXX for an investigation of the alleged public record listed of bankruptcy. I have received a incomplete and unverified information back from XXXX states that alleged public record verified per data furnisher. XXXX have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On Monday, XX/XX/2022, I was checking my checking account and noticed that the account was much lower than I thought. When I checked the history, I noticed 2 checks were deposited on Friday, XX/XX/2022 for the same amount each, with check numbers I have not reached in my account. When I looked at the checks deposited, it had my business information and my signature, with recipient information to someone I do not know. I addressed it with my bank immediately, as well as, I addressed it on my online banking security portal to " block '' the payments. I blocked both checks and my bank was able to receive the request in time to reverse the withdrawals and return the funds to my account by XX/XX/2022.
Product: Credit card

I was contacted by someone who said a credit card was applied for in my name. The call came from XXXX different numbers. They told me to quit paying and the credit card company would settle the debt on a different card.They also were going to charge {$4900.00} in legal fees to my card. I hung up and they tried to call me back. They said they were in XXXX FL and were affiliated with Experian.
Product: Credit card or prepaid card

I paid frontier airlines for canceling flight protection and its been a year they have not pai me for my flight or cancellation protection
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 my credit took a drop of 13 points with both Transunion and XXXX with no logical explanation. No one is able to offer an intelligent explanation for this. My credit scores should be continually going up, not down. It appears the the poorly written calculations try to find a reason to drop your scores, instead of increasing them. It is either a software bug or intentional misconduct from the clerks and management that drop consumers credit scores for no reason.I have had impeccable credit for the last several years. All of my bills are paid on time. My credit card balances are always XXXX out by the end of the month. I have over {$100000.00} of liquid assets with my mortgage. During this pandemic, I am XXXXne of the few people paying all debts on time. My credit is at XXXX which is still excellent, but it was at XXXX. It should be at 800 by now. You are going in the wrong direction with my credit. Please save this punitive behavior for people that are irresponsible with their credit. Not people like myself that pay all of their bills on time. 
I am a XXXX veteran and mistakes like this stress me out.
Product: Credit card

I was invited on their website KohlsXXXXXXXX to see if I was prequalified for their Kohl 's store card. I was given the following number : XXXX, after receiving the prompt " You are prequalified. '' I then applied and was denied. I do not want this to affect my credit score. I also find this misleading advertising, as it invited me to apply stating I was prequalified.
Product: Checking or savings account

I never received my package because the mail carrier I went to the posted off because it's said my package was delivered so I thought maybe it would be there the lady at the front desk called the carrier and he said he put it in the wrong mail box but then said the package was to big to fit in the box I asked my neighbor and they said they saw a package but I don't know if that was mines or who took it the XXXX XXXX told me I had to have insurance but it was the mail carrier fault for putting it in the wrong box I told chime this and I sent my Police report and everything this happened XXXX XXXX the package was a fire stick for the amount of {$100.00} I been fighting this claim since that dates and they have denied me several times On XX/XX/22 I made another claim For the amount of XXXX someone used my card after I losted it I filed a police report as well I got denied I ask them to reopen the cases now I waiting the and the 1st case I been fighting for almost a year
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking Equifax, and XXXX to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Debt collection

XXXX But this account closed in XX/XX/2017 and pays that the balance is paid off
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report due to being a victim of a recent data breach. I have reason to believe that fraudulent activity may have been carried out using my personal information, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request these accounts and inquiries be removed from my credit file. 
Accounts to be blocked and deleted : 1. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$6800.00} 2. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$220.00} Inquiries to be blocked and deleted : 1. XXXX XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an address reported on my credit report that I was not familiar with XXXX and XXXX XXXX removed the address but Experian refused to remove the address. I was told that if my creditors did not report the address that Experian would stop reporting the address and this information was not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I usually check my XXXX XXXX to look at my credit. So two days ago XXXX XXXX I seen my score go from XXXX to XXXX and three unknown hard inquiries that Im reporting right now. But I have no knowledge of any of these inquirers.
Product: Checking or savings account

When checking my account at Bank of America today I discovered I was charged {$140.00} for overdraft fees (  $  XXXX x4 ). I kee p  my money at different institutaions and use my checking account and BofA only to pay certain bills. I s et up an alert to notify me if my balance dropped below a certain amount, but when I was notified it was alreay after they charged those excessive fees. In addition, when looking at the different transaction they are processing the big $ amount items first so they can collect more in fees. Wi th one of the transacations I endup paying {$35.00} in overdraft fee for a cup of coffee I purchased. I reached out to  them today, but they were unwilling to offer any help even though I 've been a client for over 15 years. Thank you in advance for your consideration.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
Ocwen loan servicing llc XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX XXXX late reporting XX/XX/XXXX & XX/XX/XXXX60 days late XX/XX/XXXX & XX/XX/XXXX90 days late XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and someone took my documents my cards used to make purchases and spent all the money I had on the cards, with all this comes all these collections on my credit interfering with my credit preventing my score from going up so I came to ask for help you guys please delete these fraudant collections on my credit
Product: Checking or savings account

Citibank closed my account and withdrew the remaining balance on XX/XX/2021. They sent me a letter and email stating my account will close in 30-60 days on XX/XX/2021, and any funds in my account after it is closed ( {$26000.00} ) will be sent to me in a form of a check after account closure. It has been over a month ( XX/XX/2021 as of this writing ) since my account was closed and the money was taken from my account but I still have not received any funds, and they are putting the money in one of their accounts to earn interest off it. I want this garbage of a bank to give me my money back and another ( {$15000.00} ) held in another account back to me.