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

I am filing a formal complaint against LexisNexis for their ongoing failure to provide me with a detailed consumer disclosure report, despite my repeated requests over the last three years. I know that LexisNexis is reporting inaccurate information about me, yet they have continuously sent stall letters claiming that I have not provided sufficient proof of identity.

In response to their requests, I have provided my proof of address and identification, including my passport, but they have failed to fulfill their legal obligation to provide me with a report. I have numerous letters from LexisNexis acknowledging my requests, but they have yet to send the report, leaving my concerns unaddressed.

This negligence is a clear violation of my rights under consumer protection laws, and it has caused me substantial financial and personal harm. Due to the inaccurate and negative information LexisNexis is reporting : - I am facing increased insurance rates for both auto and renters insurance.

- I am unable to obtain housing due to negative data retrieved from LexisNexis reports.

These inaccuracies and LexisNexiss refusal to provide me with my consumer report have severely impacted my ability to live and maintain financial stability.

I am requesting the CFPB to hold LexisNexis accountable for their violations of the law as it pertains to my consumer disclosure report. Additionally, I request immediate corrective action to : XXXX. Provide me with a complete and accurate copy of my consumer disclosure report. 
XXXX. Investigate and remove any inaccurate or unverifiable information being reported about me. 

Their inaction over the past three years has caused ongoing harm, and I urge the CFPB to intervene to ensure compliance and resolution. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I've tried reaching out to Marcus by Goldman Sachs about adding proper two-factor authentication such as TOTP or a security key instead of a SMS/Email one time passcode which attacks have conducted Sim Swapping attacks in the past to hijack bank accounts and is well documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaints already my XXXX complaint to be submitted through the CFPB! I am bothered by the ability of the Credit Bureaus to do nothing to correct my Credit report. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. Despite the multiple letters I have been sending, the Credit Bureaus have been ignorant of their duties to comply with the FCRA section 605b. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX* Balance Owed : {$290.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX 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, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I ended a contract with XXXX on XXXX in XX/XX/2022. I paid all fees, moved out XX/XX/2022, and returned keys XX/XX/2022. A ledger was printed with a refund of {$3.00} that was owed to me and was supposed to be sent in the mail. This was printed XX/XX/2022. Two months ago, I recently been getting harrased by a rent company called Rent Recovery Solutions saying they are collecting a debt for {$6600.00}. This has drastically effected my credit score causing my credit to go from XXXX to XXXX once it was reported to all three bureaus. I am currently in the process of buying a home and it has put me on hold due to this issue. I have no business with Rent Recovery Solutions and I have NEVER had a collection on any of my credit reports until now. I am extremely mad about this issue. When I tried to contact the company they informed me to call corporate and corporate informed me the debt had already been sold.
Product: Checking or savings account

I XXXX XXXX XXXX XXXX in XXXX XXXX We are a small business that seeks to XXXX XXXX XXXX  to the community. We were part of the city of XXXX that XXXX XXXX XXXX during the pandemic thus saving lots of lives. We are proud of the work we have been blessed to do for our community. Now, being an independent business, we are faced with challenges that come and go. And one of the main challenges are satisfying our invoices from our wholesalers in a timely manner. For the past 2 years XXXX, Citizens bank on XXXX XXXX in XXXX PA has been charging us {$35.00} for every invoice/draft that's faced with insufficiencies in our account. The mind boggling thing is, if we had two ACH 's, Citizens bank would acknowledge the Ach 's, charge us {$70.00} for both Ach 's while in transit... The next day, even if we have sufficient funds to satisfy the Ach 's, Citizens returns both invoices back to the wholesalers and charge us another {$70.00} ... in total {$140.00} from our account... remember, sometimes we do not have sufficient funds in the account thus leading to the account being negative. We have been with citizens bank for over 3 years and they have refused our black owned minority female business a credit line and yet, we have passed over XXXX per year through their bank ... .in addition to the continuous ACH/overdraft FEES being charged from our business account. It takes a lot to switch banks especially when most of our wholesalers are connected to this business account. I might not have used the correct terminologies however it is highway robbery to charge {$35.00} as overdraft fees and another {$35.00} when the invoice is returned ... even if there are funds to fulfill the invoice...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX # XXXXXXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped from XXXX to XXXX with Transunion ( 62 points ) and XXXX to XXXX with XXXX  ( 40 points ) in the matter of two days as a result of paying off a credit card account balance ( which was normally paid off on a monthly basis ) and closing that business credit card account for an entity that was being terminated. I was shocked, and contacted via telephone both Transunion and XXXX  for an explanation of such a drastic decline. Both agencies could or would not supply an answer to my question. Both agencies transferred me to different departments for more information. Again, could not get an answer to my simple question of why, for closing an account that was no longer required, my credit score ( which effects even my insurance rates ) dropped so much. The answers where the same form both agencies, they said in essence : " many factors go into determining your credit score and we can not divulge how the score is determined. '' This answer is unacceptable. These agencies set benchmarks for banks, insurance companies, lenders, credit companies to determine what credit worthiness you deserve and your credit score determines what rate you may pay moving forward, even regarding car and house insurance rates. 

As a XXXX year old I've been eliminating my debts and the more I eliminate these credit agencies, with no accurate information on why accounts are closed are penalizing me. This is unacceptable and in a way discrimination against seniors who wish to not have outstanding debt. I have over a half million in bank accounts, and that does not include very positive home equity balance. But now I don't own a credit card ( have bank debit card ) and my credit score dropped like a rock.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has negatives posted on my credit that shows removed?
Product: Credit card or prepaid card

On XX/XX/XXXX I was the victim of a scam. I called the XXXX XXXX   Mastercard immediately and told them what happened, to not approve the charge and to cancel my credit card. Although I did not approve the charge I was billed {$290.00} on my XXXX XXXX Mastercard. I spoke with someone at the Fraud department who told me the charge would be taken care of and I would be sent a new card. Since then I have spoken to numerous people from the fraud and billing department. Each time I am told it will be taken care of. In XXXX I was told I would have to wait to sign an affidavit before I could get credit. I waited for this letter for three weeks. When I called a third time asking about the letter I was told there was no letter and someone would take care of it. Finally, on XX/XX/XXXX I spoke with someone from the Fraud department who said she would have it off my account in three business days. I waited and called back on XX/XX/XXXX inquiring about why the charge remained on my account. I spoke with a gentleman who told me he was not sure but believed it would take seven business days. Now, it is XX/XX/XXXX and the charge still remains on my account. I am tired and frustrated of calling this credit card company and nothing is getting done. I have never dealt with such an incompetent company before. I would not recommend XXXX XXXX Mastercard.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 letters from XXXX XXXX  requesting removal. The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX   and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX   acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.
Product: Credit card or prepaid card

I have a XXXX credit score and I pay both cards on time EVERY month, yet B of A arbitrarily reduced my credit amount on both cards. This is B of As way to make it difficult for consumers to pay off balances quickly without paying unyielding interest. 
Even if I have a high ratio, I always pay on time because I can afford the credit. B of A did this while I was out of the country jeopardizing my and my childrens safety because if I had an emergency I would not have credit cards to help me, if something happened.
Product: Bank account or service

I made an ATM deposit last week thursday, XXXX XXXX. The Capitalone ATM malfunctioned, ate my cash and card. Capitalone 360 reps first stated that within 1-2 business days it will be resolved. It has still not been resolved. The bank is now stating it will take 45 days to resolve.
Product: Mortgage

I had several deaths in my family recently and had to assist with burials of several family members. This caused me to become delinquent on my mortgage, my mortgage servicer Flagstar refused to assist me with saving my home from foreclosure. I sent Flagstar mortgage payments trying to make the required payments. My mortgage payments were returned to me and a property foreclosure sale date was set. I've submitted request for mortgage assistance several times in the past months, but they keep giving me the run around stating they have didn't receive my documents or closing my mortgage assistance requests. I have recently resubmitted request for mortgage assistance with my financials again. 
My homeowner insurance company XXXX XXXX made a insurance payment to XXXX to replace my roof and repairs water damage to the interior walls and ceilings of my home. Flagstar refuses to disburse the balance of the insurance proceeds for the completion of the repair that I completed to the interior of my home. Flagstar has sent someone out to inspect my property for the completion of the repairs and I still don't have the check. Flagstar has been difficult to work with and they provide terrible customer service. I don't want to lose my home to foreclosure. I also cancel all court action pending the mortgage company processing my application. Please Assist me See attachments
Product: Credit reporting or other personal consumer reports

I have sent a dispute and ftc report to this company and It has been XXXX days and I have not heard a response or update on my credit report. SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : NAVIENT, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR NAVIENT WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( NAVIENT ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT NAVIENT BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX  

DEBT IS XXXX THIS COMPANY NEVER PROVIDED PROOF OF THIS AND ITS REPORTING ON MY CONSUMER REPORT AND I WOULD LIKE IT REMOVED FROM ALL CREDIT REPORTING AGENCY

UNDER THE ACT OF 15 USC 1692 SEC 809 (b)
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

I have had persistent problems obtaining a deferment from Wells Fargo despite submitting all documentation as required months ago. Following a CFPB complaint, I had a telephone conversation with a Wells Fargo representative on XXXX XXXX, XXXX, who assured me that I would receive a response for my deferment request within XXXX business days. XXXX business days have since passed, and I have not received any response.
Product: Debt collection

A few months ago I pulled my credit and notice AD Astra Recovery is reporting a balance of {$610.00}. Because I honestly believe this debt IS NOT mine, I've sent letters to this company asking to verify this debt. I'm sure this company has NOTHING with my signature saying I received this money because I don't ever recall getting a payday loan with them! I have not received anything but a print out of a balance they claim I owe. A print out stating a balance IS NOT sufficient verification to prove a debt! I need documents proving this is my debt. I do not know who this company is and they are affecting my credit score by contentiously reporting inaccurate information. Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
Product: Debt collection

I believe FCRA XXXX mandates the removal of any erroneous accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts contain inaccuracies, which is causing me concern.
Product: Checking or savings account

I received a fraudulent check from a scammer for a bogus job. I deposited the check into my  Wells Fargo bank checking account, The next day, I called the bank,  check my account and asked the banker if the funds were clear and available. I was told yes " the funds are clear and it is available ''. I withdrew  XXXX  out of my account and deposited it into the scammers  XXXX   XXXX   XXXX  account at   XXXX    XXXX   XXXX .  Two days later I received an email from Wells Fargo bank stating that the check was fraudulent. Wells Fargo with drew  XXXX  +  XXXX  dollars out of my account, which emptied my account.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX account opened at OFFICE OF THE ATTY GENER on XX/XX/XXXX under the account XXXX and a XXXX XXXX account opened at OFFICE OF THE ATTY GENER on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.