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

I would like this case looked at again, this is completely wrong what XXXX XXXX XXXX has done. 

I had a Home Equity line of credit, with XXXX XXXX XXXX, Loan XXXX as of XX/XX/XXXX they put me on a Balloon Modification program " trial period '' per the letter attached. IT states that the payments due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were the {$4400.00} due on XXXX of those months. Clearly as you can see in the copies of the cashed checks, all was paid each of those months onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- -- NOT LATE, I decided this loan payment was absurd and paid off the loan on XX/XX/XXXX, in full {$560000.00}!!!!! Clearly I am not going to accept their falsifying information on my credit score when it dropped from XXXX to the low 600s OVER 100 points!!!! This has effected my future purchases since then!!! AND AGAIN, completely false. I have attached all the documentation again along with MORE proof on the EQUIFAX CREDIT FILE XX/XX/XXXX CONFIRMATION # XXXX, ON PAGE 3 OF 6, SEE HIGHLIGHTED AREA WHERE SAYS AMOUNT PAST DUE AND SAYS {$0.00}. ON XX/XX/XXXX PAGE 4 SAYS SCHEDULED PAYMENT AMOUNT, {$1400.00}, ACUTAL PAYMENT AMOUNT ON SAME LINE {$4400.00} AND AMOUNT PAST DUE, XXXX!!!!! SAME FOR LINEXX/XX/XXXX ANDXX/XX/XXXX!!! SO HOW CAN THEY FALSIFY INFORMATION AND SAY I WAS LATE FOR XX/XX/XXXX AND XX/XX/XXXX SEE ALL ATTACHMENTS, I NEED THIS CORRECTED IMMEDIATELY I HAVE SPENT COUNTLESS HOURS ON THIS WITH FAXES AND PHONE CALLS TO XXXX XXXX XXXX WITH NO PREVAIL ... .I NEED THIS CORRECTED IMMEDIATELY PLEASE
Product: Credit card

I opened a credit card account with Macys in XX/XX/XXXX. The sales associate put my old mailing address from my license which I did not notice at that time because he did not ask this question of my current mailing address. I wait for my card to arrive in the mail for a month but I do n't get one. So I decided to give a call to their customer service number. I mentioned to the representative that I do n't have the card with me, but I like to make the payment and I confirmed my identity as was asked by the representative. she insisted that she ca n't take the payment till I have the card with me, so I reasoned that since I do n't have the card and I do n't know my payment due date, I will be late on making payment and then you guys will charge me late fee. she was not willing to tell me my due date, but agreed to take the payment after talking to some other person. after while she says the payment processing system is down and I should call back to make the payment. I call back in a couple of days again to make the payment and I am told that it is late now. I told them that the other day another representative was n't willing to take my payment and was n't willing to tell my due date, so how can I make the payment on time? After another month, I call back to make another payment and I repeat the same thing that I still have not received my card yet, but would like to make a payment and not sure if I am late on making payment. This time the representative tells me that I have missed the due date. She offers to verify my mailing address and then I tell her if my old address is on record. she tells me that this is the case of old address on record. she tells me that she will go ahead and update mailing address and send me a new card to that address and also wave the late fee because it was n't my fault. She told me not to worry about late fee being charged. I receive my card this month and I log into my account to find out that I am charged late fee in the last two months, so I decide to give them call again. This time the representative tells me that what do I want him to do even after explaining all the situation. when I ask him to reimburse my late fees because it was not my fault and I did my part to reach out every time. he says everything is being documented, but he can only reimburse {$18.00}. I said how is that possible since I was not at fault and I was assured of not being charged late fee. And when I tried to make the payment on time, the representative tells that their system is down. so I feel that they are using the deceptive practices of charging customers late fees under the pretext wrong policy of not sharing the due date even after verifying their identity and not taking the payment before due date so they can put the blame on the customers after the due date is passed. I am sure I will be vindicated if their recorded calls record is asked for as they will not share that with me. All I asking for is to wave those late fees as I was not at fault at all. Please guide me for the right remedy for this problem.
Product: Credit reporting or other personal consumer reports

I am so sick and tired of my credit score dropping for no reason. I pay my credit cards in full every month every card I have are on auto payment. Equifax and XXXX XXXX are the 2 biggest offender of this problem.This same thing happened to me a few months ago and after contacting Consumer Financial Protection Bureau the problem was solved in days.Now that I am going to pick up a brand new XXXX XXXX XXXX XXXX  that I ordered and with my score dropping for no reason I will be forced into a higher percentage on my loan.This is total XXXX I am a fanatic on keeping my credit score in tip top shape.
Product: Checking or savings account

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

I was served by the court in XXXX of XXXX for a debt that Portfolio Recovery services says that I owe. I had a mediation with them about the debt in XXXX of XXXX and have disputed this debt plenty of times from my credit report in previous years saying that this account did not belong to me. The original company was XXXX XXXX. Portfolio only sent me copies of statements that listed my previous address in which I do not live there anymore. They told me that the account was charged off in XXXX or XXXX of XXXX. They only provided 2 statements that had my previous address on it showing that I made a payment of XXXX in XXXX of XXXX. I went back to my bank statements of that year and there is no record of any such payments. The man from Portfolio says that its burden of proof because they have my name and an address that I used to live at. I asked for an original contract that shows where I signed for this debt and he told me that they didnt have to provide that and that they have everything they needed to proceed to take me to court. I dont even know the original date that this account has supposedly originated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act the following listed below has violated my rights. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Recently, I submitted this account for been inaccurate and incomplete information. This account still appears on my consumer XXXX credit report after being inaccurate. The account close date XX/XX/XXXX open date XX/XX/XXXX how can the account be closed ( XXXX ) days before it's open on experian? XXXX has it open XX/XX/XXXX closed XX/XX/XXXX. XXXX has this account open XX/XX/XXXX closed XX/XX/XXXX so there wasn't an investigation on this account. Remove this account immediately!!
Product: Mortgage

I had a flood in my basement and recieved a check for the damages, which was also written out to the mortgage company DITECH, I have made several attemts to call them to see what I need to do with the check as they need to sign it as well. I have waited between 15 and 55 minutes on hold with out ever getting through, and it even went so far as when I told this to regular customer service and asked to speak to a supervisor, his rude response was I have other customers and rudely hung up on me I even went on their website and filled out the form to have them contact me but to no avail Please help me All i want and need is a response I already filed a complaint to you they gave a lame excuse and meanwhile they sold the mortgage to XXXX whoo has not recieved the check yet and i waited 4 months and still never recieved a penny
Product: Student loan

No information or update given, need to appeal loan agreement. Zombie debt ruining my credit file.
Product: Credit reporting or other personal consumer reports

I have been the victim of identity theft, which has resulted in unauthorized and inaccurate information appearing on my credit report with XXXX, XXXX, and Experian. Specifically, my personal identification information, including my Social Security number and other personal details, have been used without my consent. These unauthorized accounts and inquiries have severely impacted my creditworthiness and were reported by these agencies without proper verification or my authorization. Despite my requests for the removal of this information, XXXX, XXXX, and Experian continue to maintain inaccurate information. I do not want a fraud alert placed on my account, but I am seeking the immediate deletion of the fraudulent accounts and inquiries.
Product: Prepaid card

Purchased the card in XXXX, gut the card would now work at several retailers due to changes in the cads terms of service which were not made clear at time of purchase. I requested a refund from Visa Vanilla which they deemed appropriate. They required several copies of documents to complete the refund on XX/XX/year>. On that day i sent all of the documents requested and received a confirmation email the same day. A month later they sent an email stating that they did not receive a copy of the store receipt, which was impossible because it was attached with the rest of the documents. However, on XX/XX/year> I sent XXXX more emails, with XXXX copies ( Jpeg, and Zip ) and got XXXX conformation reply emails. I waited another week and called customer service, got escalated to a supervisor and he confirmed that the document was received and that the refund would be issued withing 48 hours. I waited 3 days and did not get any contact so I called again. This time a customer agent tried to get me to send ALL of the docs again. When I told her I was going to contact the CFPB she then changed her story and said that they had received the proper documents and that I would have to wait 10 more business days. The fact that they have been lying over and over and not refunding my money is more than enough reason to believe that criminal fraud is being attempted.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Consumer Center, RE : XXXX I am writing to formally demand the immediate correction of inaccurate information on my consumer report and compensation for the damages caused by LexisNexiss failure to verify claims before reporting them. 

On XX/XX/XXXX, I contacted LexisNexis to verify my identity and dispute inaccurate insurance claims reported by XXXX XXXX and XXXX XXXX. Instead of addressing the issue, LexisNexis subjected me to months of delays, repeated identity verification requests, and stall tactics, all while failing to provide any proof of how these claims were verified. 

After months of pushing for answers, LexisNexis removed the XXXX XXXX claim due to errors, proving that the information was not properly verified before being placed on my report. However, XXXX XXXX inaccurate claims remain, continuing to cause financial harm. As of XX/XX/XXXX, I was denied auto insurance due to these false claims. This is not just an inconvenienceit has directly affected my ability to drive legally, increased my insurance premiums, and impacted my personal safety and mental well-being. 

I have asked multiple times for LexisNexis to provide specific details on how XXXX XXXX  claims were verified, including : The name and title of the person who verified the claims at XXXX XXXX. 
The date and method used to confirm the claims were accurate. 
LexisNexis has failed to provide this information, which raises serious legal concerns. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ), you are required to maintain accurate information and to conduct a reasonable reinvestigation of disputed information. You have failed on both counts. Additionally, under the Consumer Financial Protection Bureau ( CFPB ) regulations, you are legally obligated to verify the accuracy of information before reporting it. 

The fact that you removed XXXX XXXX  claim due to errors is an admission of wrongdoing, yet you continue to allow XXXX XXXX  false claims to remain, causing me ongoing harm. 

The stress and inconvenience of repeatedly having to dispute false information. 
The negative impact on my ability to safely drive and maintain proper coverage. 
If this matter is not resolved within 30 days, I will escalate. 

I expect an immediate response with the name and title of the person at XXXX XXXX who verified these claims and the date and method used to confirm their accuracy. If you can not provide this information, these claims must be removed from my report immediately. 

This situation has already caused enough damage. I urge LexisNexis to take responsibility and correct this issue before legal action becomes necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 30 days ago to this bureau and they are disregarding a regular consumers dispute. This has been very stressful and I have been sending letters before this complaint and still have gotten no response.
Product: Checking or savings account

XX/XX/19 chase cleared check and withdrew funds then reversed it on XX/XX/19 and returned check.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 a account without my written instructions Also hard inquires XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX  XXXX  Auto Dealers, Used XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX & XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is furnishing information on my report without my written consent. I am the consumer and reporting is optional. I tried several times by mail and phone to get this matter fixed and TRANSUNION has failed to comply with the Fair Credit Reporting Act, Permissible purposes of consumer reports [ XXXX XXXX. XXXX ], which states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with the written instruction of the consumer to whom it relates. I reached out to the Executive Office regarding this matter and that will be my last resort before litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union refuses to delete a cancelled debt after I had sent in several times to their company the letter from IRS that states the account has been cancelled. The beginning of the month I sent all documents and called on XX/XX/XXXX to dispute the status of an old account. This account has been in dispute more times then I can count. The company sent a contract from XX/XX/XXXX to the credit bureau and they refuse to accept the document I provided from the IRS or re investigate. I Have called everyday this week and they refuse to give a name and keep telling me there is nothing they can do call the company. and I have been on the phone since XXXX XXXX  today and they still have me on hold after telling me they could not understand me or what I was calling for. it is now XXXX XXXX  and they refuse to pick the phone back up as I am patiently waiting to see how long they keep me on hold for. Yesterday I called at XXXX XXXX  XX/XX/XXXX and they were rude and again same thing. Refused to hear me out and kept insulting me and interrupting me. I asked for another agent to clear up our confusion of miscommunication and was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX : Credit Card Dispute {$500.00} limit card XXXX Ref XXXX # XXXX Take it off my all 3 credit reports now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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, 1681sXXXX2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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

XXXX, XXXX, and Experian ignored my opt notice on XX/XX/XXXX. XXXX, XXXX, and Experian have refused to remove unauthorized inquiries, collections, and late payments from my credit report. All credit/consumer reports are to be uniform and accurate in reporting. My consumer reports for XXXX, XXXX, and Experian are neither. 

The Privacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; LATE PAYMENTS and CREDIT UTILIZATION AMOUNTS AND PERCENTAGES, AND BANKRUPTCIES are all, in fact, transactions and experiences between the consumer and the person making the report as explained in the US Code provided above, and are, therefore are being inaccurately and unlawfully reported within my consumer report. 

This complaint is also a notice of arbitration. I am only submitting this complaint as the arbitration instructions state I must resolve my issue before moving forward with arbitration. I've attempted to resolve these issues on multiple occasions. Im ready, willing, and fully prepared to move forward with the arbitration process against XXXX, XXXX, and Experian. 

I've uploaded all relevant documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a letter via email stating that a credit card that I applied for wasnt approved due to information obtained by a consumers credit report. I never gave anyone my WRITTEN CONSENT to report anything on my consumers report. Thats against the I.S. Code laws .No consent is identity theft! I also never gave capital one my written consent, which is unauthorized use. I was not approved based on information capital one obtained from someone else and took information without my knowledge. What law states that Im subject to a credit score? Attached is the letter I received being denied.
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. 

XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Credit Karma { XXXX } you are reporting 3 Collection s on my report from you I have document that show no collections remove at once these are a violations proof enclosed