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

I have requested my consumer file twice from Lexis Nexis. The first time i sent proof of ss number, address, and copy of passport. The second time, I used their online form that requests all the information that is required to provide me my consume file. Both times, they have replied stating there is not they do not have enough information to properly identify me. They have provided no explanation in were I was deficient in my request. I am attempting to purchase a home and know what my consumer file contains is my right and is Lexis Nexis to deliver once requested. After two attempts, they have failed to provide me the required information to my detriment as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and found inaccuracies with accounts from XXXX XXXX and XXXX XXXX XXXX. I submitted a dispute to Equifax requesting an investigation. Equifax later made updates to both accounts, which clearly indicates that the original information was inaccurate. Despite this, they did not provide a detailed explanation of how these accounts were verified, as required under 15 U.S.C. 1681i ( a ) ( 7 ). Without this information, I can not be certain that the updated information is accurate. Additionally, this failure to provide details is a violation of 15 U.S.C. 1681e ( b ), which mandates the maximum possible accuracy of information. These inaccuracies have negatively affected my credit and financial standing.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the **Fair Credit Reporting Act ( FCRA ) ** to request the permanent removal of unauthorized inquiries from my EQUIFAX credit report. These inquiries were made without my consent, violating my rights under FCRA Sections 609 and 611, which guarantee my right to accurate reporting and the ability to dispute unauthorized or fraudulent entries. 

Unauthorized inquiries : XXXX XXXX XXXX  on XX/XX/year>, XXXX XXXX  on XX/XX/year>. 

I have already contacted EQUIFAX regarding this matter but have not received a satisfactory resolution. I am requesting that the CFPB ensure EQUIFAX complies with the FCRA by investigating and permanently removing all unauthorized inquiries. 

Thank you for your assistance in this matter.
Product: Debt collection

I live in the state of XXXX for more than 2 years, I never opened a XXXX utility bill within the past 3-4 years. This debt is not is not mine.
Product: Checking or savings account

Citizens bank locked my bank account I called in and they told me they are having internal issues so I asked how long it would be and she told me they do not know so I asked would it be hours or day till I can use my money and she said she didnt know she would call me back its been at least XXXX hours now
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX. I am writing to bring to your attention a distressing issue involving your cryptocurrency company. I recently reported a fraudulent incident to XXXX, the receiving cryptocurrency exchange, based on the findings outlined in the " XXXX Forensic Evidence Report ''. However, XXXX informed me that the recipient wallet address used by the scammer does not belong to their exchange. Instead, they suggested that it might be a " third-party wallet '' associated with your cryptocurrency company. According to XXXX, the wallet in question interacted with a smart contract commonly used for Coinbase transactions. Hence, they believe it may be linked to your cryptocurrency company. I urgently seek your assistance in investigating and recovering my funds from the scammer who exploited this wallet address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX. Everyone I've dealt with from XXXX all claimed to not work on commission. They told us that we're making a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to XXXX me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They also enticed me, promising me rental income which according to them, I can earn through this timeshare. We were never properly informed about the fees ; they never made us aware of it. They never informed us how to cancel ; we were never properly educated regarding cancellation, like how many days to cancel and such. We were extremely pressured, they would not take " No '' for an answer. This timeshare only caused us stress and hardships. We were defrauded, lied to and took advantage of us.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Number : XXXX XXXX  # XXXX - BALANCE {$5100.00} Account Number : XXXX XXXX  # XXXX  - BALANCE {$5100.00} Account Number : XXXX  # XXXX - BALANCE {$460.00} Account Number : XXXX  # XXXX BALANCE {$3400.00} Account Number : XXXX XXXX # XXXX - BALANCE Account Number : XXXX XXXX # XXXX  - BALANCE Unauthorized Inquiries XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Checking or savings account

Contacted bank XX/XX/XXXX to open a new Chase bank account and was told Chase no longer wants to do business with me and I can not open up an account with them. I asked as to why I can't open up a bank account and they couldn't disclose the information. They closed out my bank account in XXXX. As someone who is XXXX our belief of doing anything that is fraud is a very bad sin. I've never done any fraud what soever in my life and during the time I had a Chase bank account so when my bank account was randomly closed I was very confused as to if this was done because of my religious background.
Product: Mortgage

On XX/XX/XXXX I reached out to PNC Bank to settle my delinquent HELOC and the representative from PNC Bank advised me to submit an application form with a settlement letter. PNC Bank acknowledged the receipt of the documents. The request was under review since than. 
I received a decision letter from PNC Bank dated XX/XX/07 stating that PNC Bank was unable to provide a loan payment plan but that was not my request. I called PNC Bank to go over the letter and the representative that assisted the call gave me a hard time and never gave me the proper information about my request.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX2022 I sent money to a person who was supposed to be my photographer and never got services paid for found of she was scamming other brides as well and reached out to cashapp and never got my money back. The transaction number is XXXX with cashapp
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 XXXX XXXX XXXX. 

Account Name XXXX XXXX  XXXX Account Number : XXXX XXXXccount Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX  XXXX Account number : XXXX
Product: Checking or savings account

Contacted the bank informing them I needed them to cancel a transaction they say if they werent able to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i despite sending them, a letter, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00}
Product: Mortgage

For two years I have been trying to get monthly statements and loan documents for my mortgage, Fay Servicing will not answer my phone calls, removed my online access, will not respond to voicemails or emails. No responses at all. I filed a previous complaint and Fay just printed some statements and said they have been sending them to me all along, this is simply not true, I have never received a statement in two years. Also the last repayment plan I was offered has conflicting terms in both duration and monthly amounts, I have an email from their lawyers stating the shorter term and lower monthly amount is correct, but I can not get Fay to send me the corrected payment plan, also in my last CPFB complaint they again referenced the incorrect higher amount and longer term which gives them {$26000.00} over what I actually owe in total to get current
Product: Credit card

My job let me know that someone opened an application in my name which was flagged for fraud by Chase. This impacted multiple staff members, possibly due to a health insurance data leak but we are still investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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.

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 8
Product: Credit reporting, credit repair services, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number:XXXX
Product: Debt collection

The company agreed to delete debt. DEBT IS PAID IN FULL. Documents attached proves it.
Product: Payday loan, title loan, personal loan, or advance loan

I have six hard equity thats unrecognized dont know the addresses and thats on fail I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. XXXX XXXX XXXX Account Number : XXXX XXXX experian XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX
Product: Debt collection

Dear XXXX XXXX IQ DATA INTERNATIONAL Mailed me 2 documents on XX/XX/XXXX-2017 enclosed was validation of debt. However the documents sent to me was documents typed up from IQ DARA INTERNATIONAL. I would like to see a signed contract with my name and dates showing i have a contract withIQ DATA INTERNATIONAL. Below is the documents that was mailed to me which is  not a validation of debt. <P/>Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially opened up a credit card with XXXX XXXX in XX/XX/XXXX. XXXX XXXX sold my account to XXXX XXXX in XX/XX/XXXX. Based on my credit report with TransUnion, XXXX it look as if this account is only 2 years only when its actually 4 years old. TransUnion is stating that based on their on investigation the date of XX/XX/XXXX is correct. I have emails that state I was paying on this credit account in XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I have used Comdata to provide lumpers for my drivers. I used transactions to see charges. I found out when trying to reconcile my account, Comdata added a fuel program and tire program that I never agreed to. I have my own fuel and repair accounts with XXXX and XXXX account. They charged XXXX and XXXX a month. They agreed to remove one charge. I was also charged {$150.00} for late fees totalling {$4000.00} for the year of 2021. I am saddened and embarassed by their abuse and my hindsight. I had a {$3000.00} credit line that I paid with my bank bank account, this does not show a due date. They said you had to pay every 5 days. I was never aware of this. I asked for all monies to be returned. They said they would research it. I asked for a supervisor. I was told a XXXX would call me, no call, I called again and I was told it was escalated, ( no call in over a week. ) I have 10 fleet managers per comdata and have spoken with XXXX, XXXX, XXXX and XXXX. I closed my account, so not to incur any additional fees. I am unable to get back in and review any charges and or credits and have asked for someone to contact me. This has not happened. After being on hold for 20 minutes, customer service, XXXX said send an email. Here is my email. I will be awaiting your response. 
You are welcome to call me at XXXX x XXXX, XXXX XXXX to XXXX XXXX  or call my cell XXXX. 

Comdata received this email today XXXX plus all the other calls that happened throughout this month. 
. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Merchant charged my card without authorization. I contacted merchant, but merchant did not resolve. I contacted card issuer. Card issuer failed to provide credit for unauthorized charge, even though I provided documentation proving that charge was not authorized and that I had contacted merchant.
Product: Bank account or service

Failure to address fraudulent charges and multiple false promises from customer support. On XXXX XXXX I became aware of multiple fraudulent charges on my debit card. I contacted Bank of America and, after spending over an hour on the phone was assured of that : all the charges would be removed by the next day ; the card had been shut down so no further charges were possible ; and I would receive a replacement card by XXXX XXXX. On XXXX XXXX I checked my account online and discovered that not only had none of the fraudulent charges been removed but several more had appeared. I called again, and after spending nearly XXXX hours on the phone ( including an escalation to the 'Customer Advocate Team ' ) the same promises were reiterated. On XXXX XXXX I discovered several more fraudulent charges ( XXXX of which were dated after the card was allegedly shut down. ) I called in yet again and, after an extended hold time, had to waste even more time arguing with a rep who claimed crediting back fraudulent charges takes 3 business days ( even though I had seen it done immediately the day before ) acknowledging that was false and processing the claim. Additionally, even though I had been repeatedly promised no further charges would post I was then told that was false and fraudulent charges which had previously been removed could repost at anytime. Additionally on XXXX XXXX I was promised that a replacement card would be sent out immediately for delivery no later than XXXX XXXX. When I did not receive it I had to waste still more time on the phone before being told it had not been sent for over 24 hours after I was told it would be and would n't be delivered until XXXX XXXX at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - An inquiry was submitted to Equifax from XXXX for my credit information. I disputed this inquiry because I did not authorize it. Equifax did not investigate to see if I had authorized or did not. Their investigation results were that I would have to contact XXXX myself and ask for it to be removed. I do not know who to contact nor should I have to. They should not put things on my report and should not give companies my credit information without my approval. Also, I had put a fraud alert on my credit to prevent things like this.
Product: Vehicle loan or lease

My auto loan with ALLY AUTO was paid off by my house refi and was overpaid on XX/XX/2022. Since then I have called several times regarding the overpayment and gap insurance refund, initially I was told 30 days, at 40 days I called and was told 50 to 60 days. At day 65, today, I was told it may be another 2 weeks. They have my banking information from all of the payments that I made, yet seem unable to just XXXX the money back that they owe me or get a check out.