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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX "
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT # XXXX was created and submitted on XX/XX/XXXX with the following information : LexusNexus is transmitting credit reports to XXXX parties that include negative information that is more than XXXX XXXX XXXX. 

My consideration for a {$350000.00} loan was challenged based on the credit information provided to the bank by LexusNexus around or about XX/XX/2024. 

on XX/XX/2024 I filed a verbal dispute with LexusNexus outlining the XXXX items that I am challenging. Their time frame for a possible resolution is XXXX days but the FCRA states that investigations must be resolved within 30 days. I am filing the complaint with CFPB because I want to make sure their investigation is concluded within the 30 days allotted by the FCRA and not a day longer. 

My case number with LexusNexus is XXXX. 


Immediate removal of the XXXX negative items from all future credit reports. Additionally, a follow-up letter to the bank to whom they provided this negative report stating the previous report was done in error and providing an updated report. 


The response from LexisNexis was not accurate. LexisNexis reported, in their response letter that they reached out to me via email on XX/XX/XXXX ( XXXX ), which did not happen. 

LexisNexis reported they were unable to fully authenticate my identity but they failed to review the LexisNexis case ID number XXXX. If LexisNexis takes the time to review information within their own system they will have enough information to " authenticate my identity ''. Their response was swift and CFPB was just as swift with closing the case without allowing me to challenge the response from LexisNexis. 

As a result I will open this new complaint, looking for the support I would hope CFPB can provide. 

Attached you will find my drivers license and a utility bill for additional proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX. 
Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/1986 Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Experian credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : 1. A personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX ). 

These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of these hard inquiries, along with a copy of the consumer FICO credit report maintained by you, which highlights the fraudulent items mentioned above. 

I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I financed my hXXXX XXXX  through XXXX XXXX, which was bought by Synchrony Bank. I called on XX/XX/2021 for the payoff to close the loan. I was told at that time, by XXXX, that the payoff amount was {$3500.00}. I sent the check on XX/XX/2021 and mailed it. I asked for a confirmation of the payoff. 
I never received confirmation but on XX/XX/2021 I got a new bill for {$290.00}. I called and talked to XXXX XXXX and was informed that it was interest up to the date of the bill dated XX/XX/2021. 
This is the first correspondence I have received from them since it was paid off in XXXX. 
I should have gotten a confirmation or a bill from them if there was a balance or interest accumulating for 5 months. 
I have asked XXXX to return my calls but she will not. I feel that this credit company takes advantage of people and have no way to defend my credit against them.
Product: Checking or savings account

On the night of XX/XX/XXXX, I was wrongful robbed, defrauded, and XXXX by I believe XXXX  in XXXX XXXX. They took a total of at least {$10000.00} using my drugged state to send themselves XXXX 's and XXXX cash payments cleaning out my entire bank account. Cleary, they were all sketchy payments to names I have never sent money to before nor had prior activity for especially the amounts that were being sent. I went to Bank of America to file a claim and they said it was a robbery only not fraud and only the police can do something about it. I was going to file a police report but after doing research, this XXXX happens all the time, you maybe hear from a detective in 10 days and then nothing happens they always get away with it. 

I filed a claim for fraud with Bank of America and they denied it. I looked up the definition of fraud and it states : wrongful or criminal deception intended to result in financial or personal gain. Wow, sounds very much like what happened to me. In my head, I thought, what is the point of having a bank if they don't even protect you with things like this? there isn't. And Bank of America can even replace {$10000.00} to help a wronged customer? Like they don't have the money. 

Anyways, I'm grateful I'm alive, it could have been much worse but I am disappointed in the way the Bank of America Associates treated me, like I was the big XXXX up and why should I help kind of attitude. The worst customer service I have received and treated by a bank. And they didn't provide a service they claim to provide to the customer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX ) XXXX  : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX  : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX  : Account # : XXXX ( Opening Date : XXXX, XXXX, XXXX ), XXXX ( Opening Date : XX/XX/XXXX ), XXXX ( Opening Date : XXXX, XXXX, XXXX, XXXX ( Opening Date : XXXX, XXXX, XXXX ) XXXX ) XXXX XXXX XXXX Account # : XXXX ; Opening Date : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau . According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am disappointed that Equifax thinks they are above the law. 

On XX/XX/XXXX I sent a certified usps letter to Equifax with an FTC report to dispute unauthorized fraudulent inquiries. 
USPS tracking number XXXX XXXX XXXX XXXX XXXX, Equifax received the letter on XX/XX/XXXX at XXXX XXXX. 

I disputed XXXX unauthorized hard inquiries and sent the FTC report that THEY instructed me to do and today XX/XX/XXXX got a letter that Equifax will not remove them. That they are factual record and that I need to contact creditor myself. Problem is EQUIFAX is the One reporting them so they are collecting money for reporting bad information they should be the ones investigating this, CFPB, please step in and stop these crooks. 
I want the two disputed unauthorized inquiries deleted they are. 

Factual Data on XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year around XX/XX/XXXX, I noticed a hard inquiry has been reported against my XXXX  credit report, first I tried to dispute online, along with a XXXX  XXXX account which is not belonged to me, however their website keep saying errors and online dispute was not able to be done at that time. 

Then I called XXXX  after I tried several more times with online dispute, they said they will investigate that issue and suggested me to contact XXXX XXXX & will investigate for that hard inquiry I have never authorized. 

I called XXXX XXXX and they said because I am not their customer, so they are not able to do anything and suggested me to wait for the XXXX  's dispute result. 

At the time, we have activated a fraud alert and credit report freeze. 

A year later, I believe the fraud alert and report freeze has been expired, I look up my credit report again, found another inquiry occurred at XX/XX/XXXX which I have never authorized again, and the hard inquiry that made last year still there, along with that XXXX XXXX 's credit card account which is not belonged to me. 

Therefore, within the whole year, XXXX  did not do anything to fix those 2 issues. 

I have submitted disputes for those 2 hard inquiry, however, when I tried to dispute the XXXX XXXX credit card still saying errors for the website.
Product: Student loan

At XXXX XXXX  on XX/XX/XXXX I received an unsolicited email from Navient with subject " Change in Loan Terms '' telling me that the payment term for my loans has changed. 

When reviewing the new terms I can see that they have extended the term of my loan by 5 years and nearly doubled the mount of interest they are charging. 

The previous Loan Terms I have documented from XX/XX/XXXX state : Number of Payments : XXXX Payment Amount ( $ ) : XXXX Payoff Date : XX/XX/XXXX Estimated Total Interest Amount to be paid : {$1100.00} The one I just received today changes these terms to : Number of Payments : XXXX Payment Amount ( $ ) : XXXX Payoff Date : XXXX/XXXX Estimated Total Interest Amount to be paid : {$1800.00} This is completely unethical to change my payment terms without my request, especially when enrolled in Auto-pay. This is a 100 % money grab and only serves Navient to generate more interest income at my expense.
Product: Checking or savings account

I am in the process of closing one of my accounts with Bank of America ( BA ), because I was not happy with how they at BA handled my funds in the past. This account that I just mentioned is the account in which I had my payroll earning directly deposited until the end of XXXX. As I previously stated my plan was to close the account so I started by diverting my earnings to a new account with a different institution.. The transition brought some unfortunate problems with online transactions that were persistently rerouted to BA, these I resolved with BA representatives over the telephone. I kept the account open with a low balance. At the beginning of XXXX I thought to be proactive and to keep more money in the said BA account, just to wrap up some financial things at the end of this year. I decided to deposit {$600.00} of my earnings into BA. I wrote a check in that amount to " self '' to be drawn from the new bank where my direct deposit from payroll currently goes. This happened on XX/XX/2019 at the BA ATM on XXXX XXXX in XXXX Texas at XXXX. The receipt indicated a hold on the funds till XX/XX/2019 at XXXX XXXX. I verified that the {$600.00} had cleared the bank where the check is from and that happened on XX/XX/2019. I Have tried to understand why BA would take {$600.00} of my earning totally out of my reach ; the money is out of the account of origination and it is not in my BA account. I was told that they did it because they have the " right ''. I am still trying to wrap my head around this : what about my rights and free access to my earnings? I work 40 hours a week and have put in over time to earn extra for the holidays. How can BA be given the right to hold money of a hard working person in limbo, while I don't owe them any thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies are reporting inaccurate information on my credit report
Product: Checking or savings account

I never opened up an account with you guys. I am a victim of identity theft. Please remove all fraudulent accounts from you guys system pertaining to me This is fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I asked for reinvestgation with experian to validate & send supporting documents to me that I owe debt I never received a response or supporting documents by consumer law I have a right to request and see supporting documents like original contract from creditors, my credit profile was updated with no supporting evidence from creditors or documents, I asked to send original contract to me by mail.
Product: Credit card or prepaid card

i was a victim of XXXX XXXX XXXX XXXX XXXX kids. Barclays re. card # XXXX. Barclays dropped my credit limit just below my balance on the statement cut-off date for the purpose of sabotaging my already struggling credit score.  the drop in credit line for {$100.00} has no appreciable affect towards risk credit portfolio management. the credit line was lowered by Barclays just enough to trigger an over the limit credit reporting to the major credit bureaus. It is an abusive and malicious credit practice. Barclays has done this multiple times to me, my husband, and many people whom i am aware. the frivolous lowering of credit lines on tens of thousands of their customers accounts in order to stab them in the back and deliberately damage their own customers credit scores, and for no other apparent reason besides that. my husband concurs, the Barclays portfolio management team are a group of sociopaths with tiny XXXX who just resent and continually abuse their customers. abusive and deceptive credit practices by Barclays.
Product: Debt collection

I had a policy with XXXX and suddenly they started charging me more based on false information like someone else using my car this is not true and called them to figure out this stuff but they were playing with my statement
Product: Credit card or prepaid card

On XX/XX/2017 I made a large purchase for 3 XXXX gift cards at XXXX # XXXX. After running my Discover card a computer error occurred and a manager was called to assist ( Transaction # XXXX ). The manager informed me that store policy states a customer can not purchase 3 of the same brand gift cards in one transaction. Due to the computer error no cancellation receipt was printed. I then inquired if I could purchase 3 different brand gift cards in the same transaction and the manager confirmed I could. I then purchased the 3 different cards ( Transaction # XXXX ). I than left the store and called Discover to inform them of the indecent. Discover informed me that I would need to wait a few day for the transactions to process and the cancelled transaction would be credited back to my account. Without digging into to my phone records I do not have dates or the exact amount of calls placed to Discover. Transaction XXXX was in the amount of {$1500.00} and transaction XXXX was in the amount of {$1500.00}. After investigations by Discover I was told XXXX validate both transactions so I requested they open the disputes again. Discover reopened the disputes. The next time I called I was told that the disputes where settled so I requested info on the validation and discovered both transaction where validated using the receipt for transaction XXXX. I informed Discover of this error and reopened the disputes again. lack of communication from Discover caused me to call them to check the status again. I was informed that the disputes where closed and validated. I again requested that the disputes be reopened due to the inability of Discover to properly validate both transaction again informing them that they validated two different transaction with the same receipt. They informed me that the time frame to dispute one of the claims had passed and they can only open one. This turned into a supervisor review of the dispute and more time wasted. The next call lead to Discover informing me that there is nothing they can do and should take my depute to XXXX. I contacted XXXX and they sent me to the store manager at the store the transactions where made. The XXXX manager informed me that they have very little information on transaction as old as this ( Past 6 months ). However the store manager allowed me to photograph a department sales report and void receipt. This was all they had left of the on file. This information showed transaction XXXX voided. I called Discover and gave them this scanned photo. Discover sent it for a second supervisor review. Shortly after I received an email stating " After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. '' I put my faith in Discover to properly validate these charges. I informed them multiple time of the error in there validation of two different charges with the same receipt. Discover left me n a situation where I have to pay them for a {$1500.00} transaction that was not validated, interest on the amount and drop in my credit score due to the added balance.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX Please see this complaint, they continue to report hard inquiries to credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. XXXX  # XXXX, XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX XXXX # XXXX
Product: Credit card or prepaid card

I was charged a {$550.00} annual fee on my American Express Platinum card on XX/XX/2020. Then, on XX/XX/2020, American Express closed my account due to a payment that was 30 days late. I called customer service in XXXX to ask if they could credit the late fee but they were unwilling to do so. I gladly paid the {$550.00} fee for access to American Express card benefits, but the benefits were unavailable once the company closed my account. If I had closed the account voluntarily, American Express would have refunded or prorated the annual fee, so I believe they should do so in this case as well. Can you please assist with this?
Product: Credit reporting or other personal consumer reports

Equifax agreed to remove the following fraudulent items per the law, and have not. I can't even call to the supervisor to complaint and demand removal because they are not accepting calls. 

Accounts to be removed/DELETED ; XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX ( 2 accounts ) 3. All the closed accounts from 2015 ( been on my account over 10 years, their policy states these should drop off after 7. Please have them comply with the corporate policies. ) Thank you!!!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ONEMAIN - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"