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

LexisNexis continues to report incorrect addresses listed on my consumer report. There are over XXXX addresses that are not mine. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Remove any address that is not the one just mentioned. LexisNexis has 7 days to comply or you will be sued even in the event you remove the information I will still pursue legal action.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Mortgage

I just found out Bank of America pulled my credit report. I have not applied for credit, held an account, or had a balance owing with this company for the better part of a decade. 

I do not have a balance owing. 
I have not applied for any new accounts. 
I am opted out of promotional lists. 
I did not give my permission or authorization. 
I just pulled my credit report and found out that they ran my credit on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously tried to get these negative items off of my report. Also These bureaus are in violation of the Cares Act...
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERM S AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT XXXX XXXX DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : XXXX XXXX hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative/ XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Inion Regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar Practices, where transactions settles with insufficient balances despite initially available funds. I believe these Practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Ive told them to stop. I didnt know what the charge was about but they dont stop. They call at all hours of day and dont stop.
Product: Debt collection

LVNV has done everything they can to my credit, They would open then close an open an account.my credit score was bouncing around from XXXX to XXXX over night when I found out who it was they were removed permanently. In the past I received letters that they were suing an then canceling suing an canceling..one day a letter came in they had retained a judgement, ,I have taken care of almost all bad credit on my report, ,I dint think they have done anything leagle, an they continually change their name an collection tactics..Is there anything you can do to help me..XXXX
Product: Debt collection

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/ I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt.

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature.

I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete.

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
Product: Student loan

Hi, I was on the save plan when it got forced into forbearance waiting on the court injunction. 

Mohela emailed me saying " During periods of forbearance, interest continues to accrue. 
Please refer to the electronic notification, which can be found in your MOHELA account, for specific loan details. '' However on the student loan save plan website it says during this forbearance period Interest will NOT accrue. I just want to make sure mohela does not wrongly charge me and do some shady business.

Thanks. 

Source XXXX XXXX XXXX XXXX
Product: Debt collection

Capital One has stated that I owe {$4000.00}. This amount is inaccurate. I filed a claim with the FTC stating that Im a victim of identity theft. They have not attempted to help me resolve this issue.
Product: Credit reporting or other personal consumer reports

After reviewing my early warning report. I notice negative reporting from several different banks, I'm not familiar with. I sent a dispute to early warning systems asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 

JP Morgan Chase Account : XXXX According to the FCRA Right to Dispute Inaccuracies o Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days.

Notification of Dispute Results o Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report.

Notice of Disputed Information to Furnishers Section 623 ( b ) : When a consumer disputes an item, the reporting agency must notify the entity that provided the disputed information. The furnisher is required to investigate the matter and report back to the consumer reporting agency. 


XXXX XXXX XXXX violated my consumer rights according to the laws listed above by not providing written response detailing the results of the investigation and providing documents used to validate the debt. Please find all attached disputes sent to XXXX XXXX XXXX and their response.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. 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 opened by me. This has been hurting me as a single parent ; I'm trying to provide a stable living environment for my XXXX children. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting

While attempting to purchase a home, I was informed that I had an unpaid account balance at XXXX XXXX XXXX. Because I never had service with XXXX XXXX XXXX, I immediately went into the local store. While at the store, I was told that there was a balance on an old XXXX account that I no longer have and that was ultimately turned over to XXXX XXXX XXXX. In the interest of resolving the issue so that I could complete my home purchase, I immediately paid the balance. However, shortly afterwards, I learned that a collection company/XXXX of XXXX had placed a collection on my file for XXXX XXXX XXXX. In response, I informed them that the situation had been rectified and supplied a copy of my receipt. However, they will not remove this inaccurate information from my account. 
I am a XXXX and my wife an XXXX. We have worked for the public good for almost 30 years each. At a time when we are finally trying to make a home purchase using my VA loan, I 'm faced with this dilemma. I really need some help in getting this resolved so that I can return to the home buying process. I need this error removed as soon as possible. I am uploading a copy of the receipt.
Product: Debt collection

I attempted to pay off my collections of {$280.00} I mailed a money order with the exact amount of {$200.00} for one specific account # XXXX on XX/XX/18 I called several times to try and have a receipt emailed to me and received the run around with 5 different collection operators telling me they sent it already, check my spam, check my trash, this went on for like 2weeks. never received it to this day asked to speak with supervisor and was given several different male operators that claimed to be supervisors claiming to have emailed too many times and it must be my computer they would just send a paper receipt. waited another week and received several letters that did not show payment nor the exact account I sent my money order for. so around the beginning of XX/XX/XXXX I attempted to call them back and was today this time the money was spread all over the other accounts which are copays at this point I just broke down cying saying how could that be my money order had a specific account # on it and the supervisor told me it was too bad I just should of payed with a credit card and I went on to explain do not own one I need to speak to another supervisor. I was given another female who said she was the supervisor and was so sorry this happened and she would fix the problem and that the good thing was the money could be moved back to the account I sent it for and she would so. I explained to her I had an underwriter waiting for the receipt by the end of the week and could not believe this was happening for such a small amount. as I was talking to her she said she fixed and mailed it out now I am still waiting on the same receipt still calling and speaking to the same 5 collection operators and getting the same run around and the female supervisor that promised me she fixed it and mailed the receipt will not speak to me and our underwriters are atill waiting and were at the end of XX/XX/2018 and still waiting and still like a fool praying for an email.
Product: Credit reporting or other personal consumer reports

See attached they have not allowed me a chance to pay the balance and they just want to keep tampering with my account to deprive me of points on my credit report by any means. 
In addition they have not paid me for all damages caused by their negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair reporting act conversion accounts : 1. All inquires listed 15 USC 1681 Section A-6028- I have the right to privacy 15 USC 1681 Section 604-A Section 2- Consumer reporting agency can not report accounts without my written instruction from consumer. 

Experian, XXXX, and XXXX all have listed hard inquires without my authorization.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting inaccurate information regarding a closed XXXX XXXX account I had with XXXX XXXX ( acct # XXXX ). Despite my previous dispute attempts, the information remains incorrect and inconsistent with my recollection of the facts & reports from other credit bureaus. 

I initially disputed this account due to discrepancies in the reporting of late payments, which vary significantly between XXXX, TransUnion, and XXXX. These discrepancies include differing dates of late payments and varying counts of late occurrences ( ranging from XXXX to XXXX late payments ), some report 30 days late some are reporting 60 days. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate. Given the inconsistencies among the credit bureaus, I am concerned that the information reported by TransUnion may not be accurate. This misinformation is adversely affecting my credit rating and preventing me from accessing favorable financial opportunities. 

Furthermore, I understand that TransUnion previously said they verified this information upon my initial dispute. However, the discrepancies with other bureaus cast doubt on the accuracy of the information TransUnion received or is reporting. 

If TransUnion fails to correct this issue promptly, I will have no choice but to pursue legal action to seek appropriate compensation for the damage caused by this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still insisting I have a " Personal Finance Account '' with the exact same account number and company as my mortgage. In their response to my recent CFPB Dispute, they claimed to have " contacted the Data Furnisher and verified the Account ''. THIS WOULD BE IMPOSSIBLE SINCE XXXX WENT OUT OF BUSINESS IN XX/XX/2019 AND CAN NOT BE REACHED. As well, I could not have an active account with them since THEY NO LONGER EXIST! I would like Experian to explain how they " contacted '' a company with no working phone number, email address or physical address!!! Did they use telepathy? Smoke signals? What is the name of the person they spoke with, what day did they contact this person and where is the proof of my having two accounts with the same account number with XXXX when they no longer exist. 
According to the Fair Credit Reporting Act ( FCRA ), a credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item. THEY THEY OBVIOUSLY DID NOT CHECK THE ACCURACY OF THIS NON-EXISTENT ACCOUNT SINCE THEY STILL BELIEVE IT EXISTS WITH A NON-EXISTENT COMPANY. They need to provide details as to how they " verified this account '' since there is no data furnisher they could have verified this with. XXXX DOES NOT EXIST SO IT'S IMPOSSIBLE TO VERIFY ANYTHING OR FOR ANYONE TO HAVE AN ACTIVE ACCOUNT WITH THEM!
Product: Student loan

I applied for the SAVE plan in XXXX of XXXX. MOHELA did not approve the application until the XX/XX/XXXX payment. Their delay in processing cost me hundreds of dollars in interest that would not have accrued had they approved my SAVE plan application in a timely manner. They are unwilling to reimburse the interest accrued during their processing delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

( 1 ) ABUSIVE DEFERRED-INTEREST ACTS OR PRACTICES : In or about XX/XX/XXXX, I began disputing how payments in excess of the minimum payments due were being applied to balances on the deferred-interest promotions. Excess payments were made beginning in XX/XX/XXXX through XX/XX/XXXX, but excess payments were not paid towards expiring promotional deferred-interest promotions, causing late fees and interest to be added to the balance. ( 2 ) UNFAIR BILLING DISPUTE PRACTICES : When I disputed the mishandling of refunds and excess payments, PayPal did not acknowledge or respond to my account disputes for over 2 months when promotional periods were expiring, charged late fees and interests during the dispute period, and sent negative reports to the major credit bureaus without responding to billing and payment disputes. As a part of my dispute, I requested for PayPal to forward billing statements from XX/XX/XXXX to XX/XX/XXXX. PayPal only provided statements from XX/XX/XXXX to present. PayPal did not accurately apply refunds for returned merchandise directly to merchants to reduce the deferred-interest and payments, causing double billing charges.
Product: Money transfer, virtual currency, or money service

Hello, in order to facilitate receiving customer funds, I registered an account on the SQUARE platform. On XX/XX/year>, my client paid {$1900.00} to my SQUARE account. When I wanted to withdraw the money, I found that the balance was frozen and has been frozen so far.