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

I filed a dispute with LexisNexis involving a public record that is incorrectly reporting on my credit report. It is a Chapter XXXX bankruptcy filing XXXX. They are required by law to report all information on my report 100 % accurately. I disputed the information and it was promptly " VERIFIED. I asked specifically HOW the item was verified and I was not provided with that information. I want to know exactly what was " actually '' done. I received a letter from the courthouse stating that they " DO NOT REPORT ANY INFORMATION TO CREDIT BUREAUS. '' If the incorrect information didnt come from them, then I DEMAND to know where LexisNexis got it! 

I have a legal right to dispute information, according to FCRA 623, the furnisher of information. If this information was received from a " vendor, '' then I demand to know the name and address of this vendor. As of yet, these letters serve as undeniable PROOF of LexisNexis failure to conduct a reasonable investigation as required by the FCRA, and their " verification '' of obviously incorrect information. LexisNexis DID NOT CONTACT THE SOURCE to investigate this item.
Product: Credit card or prepaid card

I opened a complaint against Capital One almost a year ago. complaint number XXXX. They responded by claiming they would remove the cited negative information from my credit report. 

They have not. 

I have lost employment opportunities, a lease for a new residence was declined due to my low credit score and I have lost more than {$10000.00} in credit that I previously had access to because Capital One ruined by credit with false information. 

Now some form of penalty MUST BE ASSESSED against these liars. 

The details for this complaint were originally provided for complaint number XXXX. The only new relevant facts that matter are that my credit report still shows a negative remark for non-payment, and past due amount, when in fact no payment was due.
Product: Checking or savings account

Robinhood banned my account and refuse to release my funds. They are holding the remaining {$0.00} I have in their hostage, claiming that the funds are illegitimate as an excuse to keep the money. How can selling an XXXX stock be illegitimate when you have the contracts right in your face? They're breaking the law.
Product: Checking or savings account

I purchased a gold certificate in XX/XX/XXXX from a financial services company called XXXX XXXX XXXX. I purchased 4 ounces and received a certificate from XXXX ( attached ). XXXX ( Agent ) was a subsidiary of XXXX which became XXXX XXXXXXXX in XXXX, and XXXX XXXX in XXXX. The Supplier was the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, which became part of XXXX XXXXXXXX XXXX in XXXX, and Bank of America in XXXX. I'm trying to cash in my certificate, and I've had no luck going through my contact at XXXX XXXX, which is the current financial services arm of the Bank of America. They claim to be unable to trace the purchase records. 

I can't understand why these records can not be traced since I've retained all the original information on the purchase along with the original certificate and precious metals voucher. As the financial institution that " inherited '' the original supplier, I believe that the Bank of America should be able to honor the sale of my certificate for 4 ounces of gold. 

I appreciate any help you can give me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off account that I believe contains inaccurate information. The account in question is associated with XXXX XXXX, and the details are as follows :
Product: Mortgage

Since I filed a complaint with your organization about two weeks ago on XXXX I got a call from Bayview XXXX and told them that since I had an open complaint that I would not talk with them at this time. The woman told me that she was taking my number out of the system for no more phone calls I have this call on tape. On Saturday XXXX my call id box shows a call from bayview and then today Monday the XXXX at XXXX XXXX I got another call and no one removed the number or had no record. More fraud that is going on here. Call the media
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX with XXXX Mortgage, and I'm disappointed in how they haven't resolved the credit reporting error ; and violated my consumer rights under FCRA. This error has ruined my credit, along with my XXXX  In the month of XXXX I attempted to make a payment online how I normally would however the system was down ; The previous day I used bill pay from my external account that posted on XX/XX/2023 XXXX. In essence on XX/XX/2023 I called to initiate my payment by phone XXXX XXXX} with a representative over the phone which I was charged a fee to do so. She was a nice associate ; however she must've inputed my account numbers incorrectly because my bank XXXX was not presented with the payment. I received noticed that the payment that I made by phone was returned, and I was charged a late fee, along with a bad check fee which have bot been refunded to me. For several months my XXXX and I have been impacted due to the human error of the associate ; I reached out on several occasions to resolve the issue ; and requested a call back, I was not extended that courtesy. I was told to use a secure message portal, because the lender doesn't have a phone associate that I can speak with pertaining my issue. The response is not consistent with the certain set of facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that the payment history to be updated to not late or never late. Please have this corrected to no late payments and update it on my credit file IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

Tried to send a receive money, had problems everytime I tried, with them not being able to verify who I am a not allowing me to send or receive anything. Just made me stop using entirely an switch apps
Product: Credit reporting or other personal consumer reports

Please remove any hard inquiries and fraudulent accounts off my credit profile from Experian, XXXX, XXXX XXXX immediately. 

XXXXXXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/year> XXXX XXXX XXXX {$630.00} XX/XX/year> 2023
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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Debt collection

This company has given many run arounds and puts the blame on me when they have broke the law by double reporting and even gave the debt to another company. They no longer own and have claimed that they still do so. They are extremely unprofessional, never responded to the debt validation letter that was sent to them and overall a shady " company. '' I sent the letter back on XX/XX/22 and heard nothing back, I then got a different letter from another company. I am beyond frustrated and annoyed they that keep claiming to own something that is no longer theirs.
Product: Debt collection

Upon first contact back in XXXX, the company, Co-Operative Adjustment Bureau, has had ONE representative that pretends to know everything and how everything works. I originally contacted them about a questionable increase of amount owed, and their response was it was interest on the originally agreement. I'm going to add the account is from an apartment complex not a credit company. Therefore, there is NO interest. The original amount owed was {$2600.00}. Just this year alone it has increased to {$3000.00} because of " interest ''. When I brought up the fact that they are not allowed to collect interest they brought up some legal code that claims they can because of the original agreement. The only issue is, the original agreement and lease was nullified in XXXX of 2017. And was never renewed. Therefore there was no agreement between the parties. Yet they are constantly raising my amount. I kept trying to solve it and all I ever got was just pay it. So I got irritated and started yelling at them and even recording the calls, after letting them know that it was being recorded, they never refused authorization, their only response was, " well that's illegal ''. This. ompany makes it hard to communicate and if it's not their way it's no way. I would like them to get a reality check. They can not raise amount owed or attempt to collect more than is originally owed under FDCA Laws.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL FRAUDULENT CHARGES FROM MY CREDIT REPORT THAT HAVE BEEN IDENTIFIED AS IDENTITY THEFT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the car off and no money is owed. I have contacted XXXX XXXX XXXX and their records show I owe nothing and have paid on time and in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMEDY This is about the Consumer Report received via mail, I came to know about a few inaccuracies and even some fraudulent information and accounts that was reported in it. 
While According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Your Company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid you created a false impression that I was not able to pay the alleged debts. 
O As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your Company is liable according to 15 USC 1681o. 
I hereby grant your Company, the opportunity to remedy this matter by doing the following things : 1. DELETE FEOM CONSUMER REPORT 2. I DEMAND {$1000.00} for damages Thank you for your cooperation
Product: Credit reporting

XXXX is reporting an account from XXXX XXXX XXXX that was removed and then reinserted illegally. I have disputed this account several times due to this being a HIPPA violation. This debt was never properly verified.
Product: Debt collection

Debt was paid in full to the IL Dept. of Human Services ( IL DHS ). Supporting documents attached. Harvard Collections has stated that it is not their responsibility to remove this item from my credit files at the XXXX major credit bureaus. They in fact have the sole responsibility of reporting to the credit bureaus per IL DHS. 

I have spoken with several representatives at Harvard Collections in person and via phone on numerous occasion. Harvard Collections has acknowledge that the debt has been paid in full. Harvard collections has a copy of the letter from DHS to confirm payment. Harvard Collections has stated to me that since the debt was not paid through them they are under no obligation or time frame to delete this information from my credit files. I have also sent several letters to Harvard Collection Managers. 

Harvard Collection has refused all my attempts to resolve this matter.
Product: Checking or savings account

My parents passed away in XX/XX/2016. My brothers and I spent 2 1/2 years. 
SunTrust bank in Florida has been holding the money and not making it possible for me to receive my share of my parents money even though I am a named beneficiary. The bank sends a letter from the account closure services and tell me to call XXXX suntrust to reach them. THIS IS NOT TRUE. THERE IS NO OPTION THAT ALLOWS ANY CONTACT I had to press the option that says I need to open a new account in order to get a live body this is reprehensible
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reference # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XX/XX/XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I used the app XXXX, looking for a new XXXX. I found an XXXX XXXX XXXX for XXXX dollars which is relatively cheap and messaged the seller. His/Her name was XXXX XXXX, they informed me that they could ship the item out which seemed like a good idea at the time but turned out not to be. They told me I could use Zelle which is a money transfer app that I thought had buyer protection but it turns out it didn't. I sent XXXX dollars through zelle and they even faked a shipping label. Zelle will not return me my money and although it is not a huge loss, I would like to stop him/her from scamming others. I have already reported this through the app and no action has been taken.
Product: Credit reporting or other personal consumer reports

I trust this letter reaches you under favorable circumstances. I am writing to express my deep dissatisfaction and concern regarding the numerous attempts I have made to remove fraudulent items from my credit report through Credit Bureaus. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and adversely impacting my financial standing. 

The continued presence of fraudulent items on my credit report is not only inaccurate but also poses a severe threat to my financial well-being. I have attached supporting documentation for each attempt made to rectify this situation, emphasizing the urgency and gravity of the matter. 

I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit report to identify and remove all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are adversely affecting my ability to access financial services and secure favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX , TX XXXX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00}.
Product: Credit card

American Express started calling me in XX/XX/year> to demand collection on a business credit card account. American Express instituted collection on my personal social security number for a business credit card on or about XX/XX/year>. Requested over the phone numerous times when they called trying to collect on the debt that they send me statements and the paperwork showing that I have personal liability for the debt. They only sent me the statements which showed my business partner had run up thousands of dollars in debt on personal charges ( cruises, travel, clothing, personal utilities, etc. ). They have never sent any evidence that I am personally liable for the charges. 

Certified letter sent to Amex XX/XX/year> demanding the paperwork with copies to XXXX, XXXX, and XXXX. Still have not received that paperwork. 

XXXX sent XX/XX/year> from XXXX XXXX XXXX will be collecting the debt. XXXX their pre-filled out form requesting dispute of the debt and for them to send us the name and address of the original creditor ( Reference XXXX ). Still no response., Received letter from XXXX XXXX XXXX XXXX that they were handling the collection. Sent a letter to them via email on XX/XX/year> demanding paperwork. Received a response on XX/XX/XXXX that showed a one-page document with the cover letter stating " Dear XXXX XXXX XXXX we are pleased to send you a copy of your Cardmember Agreement. '' No proof that I am the guarantor on the account or that I am the one that opened the account. 

Received letter XX/XX/year> from American Express Credit Bureau Unit that our account is recorded as " in dispute. '' Received letter from XXXX XXXX XXXX dated XX/XX/XXXX regarding a debt validation request sending " statements and any other relevant documentation to serve as validation of debt. '' They ONLY sent the statements. No proof that I am the guarantor on the account or that I am the one that opened the account. 

Called XXXX XXXX XXXX XX/XX/XXXX. Spoke to XXXX XXXX at ( XXXX ) XXXX. Requested original documentation of guarantor signature. To date, no response. 

Left message with XXXX XXXX XXXX again XX/XX/XXXX. Their message said we will receive a return call within 24 hours. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the bureaus explained to them by law the had to ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 
I was a victim of identity theft since XXXX I tried to get them to do their job .I sent in ftcs, asked them to investigate the accounts and blocked them the refused too, they have addresses that don't belong to me on my report, jobs, names and etc .I sent the companies letters too over the course of 2-4 months with no reply. ive called spoke to reps asked them to please fix this, I got XXXX  with XXXX  so I stopped for a lil while than my grandmother XXXX  due to the XXXX  and I couldn't even get a loan to help cover the funeral expenses because the bureaus refuse to do their job.I explained to them how things happened In my life that could've lead to this, I put it in ftc report like I was told to do by someone when I called, I was robbed walking home from work some time ago, I had all my personal items in there I didn't know I was supposed to check my credit I pulled my credit to get a loan to bury my dad that's when I learned of a these fraud accounts on my credit report .I didn't open these accounts or give anyone permission too .i explained that one of my first cousins and I have the same name I haven't seen her in years and we both stayed at the family house we grew up together in .they had a person name XXXX XXXX and all type of bad information on my credit profile .I asked for them to send me what they have from companies saying these accounts are mine because theyre not. please help me /.I am in a crisis lost my job, lost my grandmother and these people have me on the edge I will be looking into getting an attorney to sue I am emotionally distressed this is wrong .Equifax is the worst they don't even budge to try to follow the law.can u please have them send me what they used to determine these accounts was mine because their lying their fraudulent this has cost me so much stress
Product: Payday loan, title loan, personal loan, or advance loan

I took that loan of XXXX from ascend on XX/XX/2024 and the APR did not seem that high. I have my first payment due XX/XX/XXXX of {$210.00}. I was about to make an early payment towards the XXXX but when I looked at the balance it had went from XXXX which it was a couple of days ago was XXXX is now XXXX so Im guessing that it is 700 % per week or every two weeks something like that I just went to the loan documents. Im sending the information now I would really like to see if they can freeze the interest on this long and basically renegotiate the terms of the loan because I feel like that is ridiculous that XXXX went to XXXX before my first payment was made. Thank you.
Product: Debt collection

LVNV Funding damaged my credit by XXXX points reporting false information on 2 separate occasions. as of right now I have lost XXXX points because of this fraud. They started calling saying I owed them XXXX for a debt that is in Judgement and has been for years. The company LVNV Funding reported to XXXX that I missed a payment on a debt that is in Judgement. I filed a report to XXXX about this and they reversed it giving me my XXXX points back. LVNV Funding turned around and reported that I missed a paint on the same account that's in Judgement the next month. I attempted to fill another claim but it would let me so I'm still down XXXX pkints
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

THE BEGINNING BALANCE AND HIGH CREDIT IS INCORRECT. I AM ATTACHING COPY OF SALES CONTRACT REFLECTING THE CORRECT BEGINNING BALANCE AS {$3000.00} WITH A {$730.00} DOWN PAYMENT NOT THE {$3900.00} BEING REPORTED