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

I have sent disputes to Lexis Nexis Consumer Center in regards to their report they have on me. I have inaccurate unverifiable items listed in my consumer disclosure/C.L.U.E. report. I first contact them on XX/XX/19 in regards to inaccurate addresses, phone numbers emails and incorrect name. I received a letter from them stating that everything was correct I sent them proof with my social security number, drivers license and proof of residence. The letter they sent back they had more inaccurate names and etc. I sent them a second letter on XX/XX/19 to correct and remove all incorrect data. I sent them another dispute letter on XX/XX/19 to dispute bankruptcies listed on my report. They sent back a letter stating they initiate the dispute on my behalf to XXXX XXXX and XXXX. I never asked them to do this I am disputing with Lexis Nexis and I have a security freeze on my account so why would they share information with the three credit bureaus. I NEVER ASKED THEM TO COMMUNICATE MY DISPUTE with the other credit bureaus. Lexis Nexis finally responded and said it was accurate. I sent them a method of verification letter on XX/XX/19. Lexis Nexis has failed to provide the requested information. Lexis Nexis has not responded within the required 15 days.
Product: Debt collection

re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' The company IC SYSTEM reaged the account to XX/XX/year> this inaccurate this has negatively impacted my credit score. According to my records the original delinquency is XXXX and I have not received any notification regarding a change to this date. I request that this be reviewed as this a clear violation of my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hello, 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 : JPMCB CARD Account Number : XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 Account NumberXXXX 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: Debt collection

XX/XX/year>, I email the XXXX who sold to XXXX a third party company that this was fraud / identity theft! I requested verification from them that I opened this account along with DL, SSn and address used. They were not able to provide any documentation and continues to harass me with this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My mother has a car loan through Wells Fargo and she DIED on XX/XX/2020. I have submitted a written request, a faxed request, and a verbal request to have the money I paid on her car loan refunded to me after she passed away. It's 3 payments ; XX/XX/2020 of {$370.00}, XX/XX/2020 of {$360.00}, and XX/XX/2020 of {$370.00} for a total of {$1100.00}. I was not on my mothers loan and am NOT financially responsible for the debt. Today I was informed by XXXX, in the Beneficiary Department of Wells Fargo Auto Loans, that Wells Fargo doesn't give refunds. I commented several times that I would be reaching out to the XXXX  and she completely ignored my comments. Due to not being financially responsible for this debt my money should be returned to me. In VA we have to wait 60 days before filing anything with the courts about someone passing away ... the payments were necessary due to not knowing how the courts would handle my mothers affairs. They did also state that I was not responsible for this debt if my name is not on it. My attorney also verified this fact.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Chex Systems Consumer Report IDXXXX, are all fraudulent, unauthorized and not my credit inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX Bank XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX, XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX  XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX  XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX  XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, and XXXX XXXX XXXX XX/XX/2021. I am a victim of identity theft and has a current police report on file with Chex Systems.
Product: Money transfer, virtual currency, or money service

XX/XX/19 XXXX through PNC Bank {$290.00} to XXXX Reached out to PNC Bank, they won't reverse nor even assist. 
Requested the amount back from XXXX failed to comply.
Product: Debt collection

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2021 with a balance of {$27000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Credit reporting

XXXX is reporting 4 late payments from XX/XX/XXXX between 2 credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these 4 late payments which are unsubstantiated are damaging to my financing.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I already have a complaint in about this company, and I thought it was resolved. After I submitted the CFPB complaint, Mr. Cooper sent me a Complaint Resolution Letter, stating " There is an outstanding balance of escrow advances in the amount of {$10000.00}. Once all of these criteria are met, we will be able to submit a formal review to remove the taxes from escrow ''. A check was sent to Mr. Cooper in the amount of {$10000.00} for the outstanding escrow balance that was due to them, which they have received. I was just sent a letter from Mr. Cooper dated XX/XX/2020, stating my mortgage payment is currently past due for XX/XX/2020 and is due for all payments from and including that date. As of XX/XX/2020, this letter states I owe {$8400.00} to cure the default. This is absolutely incorrect. I have made the same mortgage payment of {$2000.00} every month since I owned the home. Effective XX/XX/2020, my mortgage payment is {$2000.00}, which is what was paid. This company has been paid back the past due escrow that was paid out on my behalf and I was making my monthly mortgage payments ( minus escrow ) the entire time I've been here. There is no way I owe this money as I was not even responsible for property taxes in XXXX - XX/XX/2020. I am a XXXX XXXX service connected veteran and this is taking a huge toll on my mental health and something needs to be done to correct this issue
Product: Mortgage

I am a small business owner. Due to Covid Ive had to shut down my business. My employees have gotten sick so has my husband and I. I recently applied for hardship with my mortgage company CrossCountry Mortgage in XXXX since then I have gotten the run around. I have sent over 200 pages of everything they have requested and they keep telling me the have not received half of it. I have emailed them XXXX  times with the information and have uploaded it to a portal account I had to create with them. They keep telling me they have not received it. I have been trying to get a hold of the person in charge of my account XXXX XXXX and left numerous messages for her with other agents because all the agents can do is email her and supervisors for a request to call me back and I havent heard from her or any supervisor since XXXX Ive called and requested for them to call me back and I still havent heard from them. They are now requesting some new information that I can not provide because I dont own any rental properties in XXXX XXXX XXXX I only help my father in law mange his house that he put up on XXXX. Im trying to get someone in there who I can explain this to and I get no help. Im falling behind on my mortgage payments. This is my primary residence and all I ask from them is to give me a forbearance and they do not want to help me or even give me a call back. Please help because I do not want to lose my home or mess up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I already sent disputes to each bureau to have these items removed but they did not remove then, nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently pulled a copy of my consumer reports and noticed the following personal information are in error : Name, Date of Birth, Employers XXXX XXXX 1998 Self Employed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to address a valid credit scoring mistake they have made in conjunction with my loan at Nationstar. XXXX  has refused to accept my documentation showing the error and now has set up a number of cumbersome obstacles to resolving this matter in a fair and honest way. XXXX Report # XXXX for XX/XX/XXXX would not honor my request or a portion of it based on limited information. I have provided XXXX all relevant information regarding a fraudulent report of credit reporting from Nationstar. Nationstar claimed that I did not pay my mortgage on XX/XX/XXXX when in fact their own statements show that I made the payment. However, Nationstar chose to place my funds in an " unapplied funds '' account without explanation or notification. I have made several attempts and provided documentation regarding this " error '' or intentional fraudulent credit report on many occasions yet XXXX continues to deflect, obstruct and obfuscate the matter in some attempt to avoid responsibility. 

I paid the mortgage payment on time and Nationstar has of yet to acknowledge the payment or correct the problem. In addition, XXXX has failed to thoroughly and fully investigate why Nationstar provided them false statements about the credit report and instead has refused all of my attempts to correct this matter and address the error in credit reporting in my file. The attached documentation clearly shows my payment and Nationstar and XXXX 's fraudulent scheme of credit reporting. This is illegal, immoral and should be punishable to the greatest extent of the law.
Product: Credit reporting

I disputed a hard inquiry from a XXXX XXXX XXXX XXXX on XX/XX/XXXX I disputed with Equifax on XX/XX/XXXX received response on XX/XX/XXXX from Equifax stating Inquires are factual. I am asking for signed proof for this inquiry as it is damaging my credit applying for home loan and have not received such document. I feel as if Equifax is not asking for documentation from said company proving this inquiry is in fact legitimate and from me. I have contacted XXXX XXXX but no response to having any documentation to back up inquiry. 
Please assist in correcting this problem. 

thank you
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX on cash app on XXXX XXXX I've reached out several times and literally saw someone controlling my phone to get my money and switched to XXXX .I tried decline and dispute with no help at all .I even got on my home computer to alert customer support on XXXX and cash app .it was an allegde.paypal rep who did it. 
I filed a police report and have an active case with a detective handling it. 
At this point I'll be without ligjts, water, insurance and phone service by next week with no help of getting my money returned .I really think its an inside job with whomever works for cash app or owner to scam people out of money when they can, if they are a so called bank or etc they can clearly see what happened
Product: Mortgage

I had received a call about refinancing with Financial Freedom Mortgage , LLC. These people were all quick to get all of my information and even the vice president of sales visited my house for me to sign some paperwork. After that, I had a heck of a time getting in contact with ANYBODY from this company. I was told that I had to call their appraiser to set up a time for the appraisal. That made no sense. The appraisal was done on XX/XX/XXXX and here it is XX/XX/XXXX and I still don't have it! Apparently the underwriters have it but they cant give out information! So I paid {$480.00} for something they will not give to me. I had to stop the loan process due to getting laid off from my job so now NOBODY answers emails or phone calls!! I either need my appraisal or my money back. I complained to FHA and they said there was nothing they could do but they gave me your email address to contact you. Thank you for any help you can give me on this matter. The company 's information as well as mine is listed below. 

Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Financial Freedom Mortgage , LLC New Jersey Corporate ADDRESS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NJ XXXX NJ NMLS # XXXX Tel : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Debt collection

Disputed through credit report as well, but I did not receive any communication from the original Creditor about debt owed or the new creditor about transfer of any debt nor did I receive and validation information to make sure it was correct. 
Payments in full were made to original owner before debt was transferred.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you in good health. I am writing in response to your recent communication through CFPB, concerning an alleged credit application submitted to Automotive Credit Corporation on XX/XX/2022, through XXXX XXXX XXXX. 

I must express my deep concern and dissatisfaction with your statement that Automotive Credit Corporation had permissible purpose under the Fair Credit Reporting Act ( FCRA ) for the credit application submitted by XXXX XXXX XXXX. It is important to clarify that, to the best of my knowledge, I never authorized nor gave written consent for Automotive Credit Corporation to access my credit report. 

Your unauthorized inquiry into my credit history is affecting my creditworthiness and, consequently, my financial well-being. I want to reiterate that I have never had any communication with Automotive Credit Corporation, making it impossible for me to have given consent for the retrieval of my credit report.

As outlined in my previous communication, your company 's actions are in potential violation of my rights as a consumer under 15 U.S.C. 616, especially considering the willful noncompliance and potential damages I may incur due to these unauthorized inquiries.

Moreover, I emphasize the importance of accuracy and fairness in credit reporting, as highlighted in 15 U.S.C. 1681. The inaccuracies in my credit report resulting from the unauthorized inquiry must be promptly corrected to adhere to the law and protect my consumer rights.