23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit AdjustersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX Toll Free : XXXX www.ncaks.com I got contacted by this collection agency National Credit Adjusters, stating that I need pay this amount XXXX, The company stated that I took out a payday loan back in XX/XX/2012, and I never did. This is over 8yrs ago this is written off and they should not be contacting me at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX SS # XXXX XXXX : Dispute of inaccurate information on Credit Report ; Dear Sir/Madam , I'm writing in regard to multiple inaccurate information on my credit report, as prepared by your agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, in which you are required to correct or remove all erroneous data. 
I have enclosed copies of the inaccurate accounts, with circled inaccursies, I ask that these accounts be removed as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Closed Monthly Payment : {$0.00} {$0.00} {$58.00} Date Opened : XXXX XXXX XXXX Balance : {$3700.00} {$3700.00} {$3700.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3700.00} {$0.00} {$3500.00} Credit Limit : {$3500.00} {$3500.00} {$0.00} Past Due : {$3700.00} {$3700.00} {$390.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XXXX XXXX XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX  Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion 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
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has my risk file mixed with multiple other individuals, and reporting fraudulent information about me to creditors. I have notified LexisNexis of this mixed file and fraud in a very detailed letter that I have both emailed them and sent certified mail with return receipt. 

-They have multiple fraudulent social security numbers on my credit file -Multiple Fraudulent addresses on my risk file that I have never resided -They have multiple evictions listed on my risk file that I have never lived -They have a bankruptcy listed on my risk file that is fraudulent and I never filed To this point LexisNexis has refused to acknowledge they have my risk file mixed and that they are reporting false information to 3rd parties about me that is not mine. LexisNexis is intentionally and willfully inflicting emotional distress on me, and defaming my character by continuing to report information that have been told was false/fraudulent and provided a police report outlining the identity theft that I have endured for many years. I became aware that LexisNexis was reporting fraudulent information about me when I obtained the attached denial letter form XXXX XXXX. 


I am attaching all of the same documents to this complaint that I sent to LexisNexis that they have refused to use to correct my risk file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I went to XXXX XXXX XXXX XXXX for the reason to purchase a vehicle. The funds being used were from a certified check verified via telephone by XXXX XXXX, Finance ManageXXXX for XXXX as I sat at his desk. Once the funds were verified, XXXX XXXX who I was told doesnt work there anymore, began printing out the paperwork to transfer the vehicle into my name and any other paperwork needed for the transfer of my vehicle. Before signing any of the paperwork, I ask XXXX XXXX if they would be running my credit because one of the papers that was placed in front of me looked like a credit application. I asked to make sure that this was a cash purchase and informed XXXX XXXX that I did not want my credit ran, being that being that I was in the process of building credit and shouldnt have my credit ran on what was equal to a cash transaction. XXXX XXXX assured me that there was no need to run my credit because as I heard when he called to verify the fund, that the funds are indeed verified via the earlier call. With that reassurance I signed all the paperwork XXXX XXXX placed in front of me and drove home an hour later in my XXXX XXXX XXXX. 

XXXX I call up to XXXX  XXXX to inquire as to why I still have not received the license plates or title to my vehicle. While on hold I see the consumer credit contract or retail installment sales contract that shows that I financed the vehicle and made one payment for the total amount of the vehicle. I inquire with XXXX the new Finance Manager, as to why they would document a cash transaction as if I financed the vehicle. XXXX informed me ( 7 months after purchasing the vehicle ) that they indeed did run my credit and the reason that the company does that is in case the funds from the check were not available. Again XXXX XXXX called and verified the funds right in front of me so I immediately pointed that out and addressed the violations including identity theft with him before ending the call. XXXX did not have my permission to run my credit at all. XXXX should not have falsely recorded what is equivalent to a cash purchase as a retail installment loan when there was never a loan that XXXX XXXX provided me. 

There was no reason for them to run my credit. There was no reason to open a retail financing contract when the vehicle was paid in full with a verified check. If they did have a company policy to the contrary that was not disclosed to me and should have been as soon as i told the finance manager that i did not want my credit ran. 

I am rescinding any signature that gave this fraud validity due to the fact that full disclosure was not present even when the opportunity arose to present it was addressed by me demanding that they not run my credit.
Product: Vehicle loan or lease

During XX/XX/XXXX, I saw a parked car for sale and contacted the owner. The owner identified himself as XXXX but preferred to be called XXXX. He brought the car XXXX XXXX XXXX XXXX over so I could test drive. Agreed to purchase the car and applied for an auto loan with Navy Federal Credit Union. The loan, acct. # XXXX, was approved and check provided to seller while the car was having last minute small repairs done. The seller reported that his bank had the check on hold an waiting to be released. After 3 days contacted Navy Federal who reported the check was cashed. XXXX stopped answering my calls. Reported all to Navy Federal who requested I contact the police. Made a report on XX/XX/XXXX to the XXXX XXXX XXXX Police Department, case # XXXX. I never received the car and I owe the credit union for the amount of the loan.
Product: Credit card

On XX/XX/year> I was alerted via email that my credit cards reward redemptions had taken place 2 times without my knowledge. I immediately ( within minutes ) called the credit card company ( Barclaycard ) and they confirmed it has happened, and this was fraud ( redeemed on XXXX ). They gave me case number # XXXX. 
Somehow XXXX points were restored, but since then I've gotten nowhere with customer service on the remaining missing points. {$910.00} total. 
Here are the details : -Redemption # XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Redemption # XXXX XXXX XXXX Points
Product: Debt collection

I continue to get debt letters from a company called convergent outsourcing inc account number XXXX that I have no knowledge of. It appears to be from XXXX and I have never had a XXXX account. I have attempted to dispute with credit bureaus but it does not seem to have made any progress.
Product: Credit card or prepaid card

On Wednesday XX/XX/2023 I made several phone calls to Wells Fargo to first understand why I couldn't make an online account. My husband and I recently purchased a furnace through XXXX XXXX in XXXX. XXXX XXXX used Wells Fargo as their finance option. We spent {$4700.00} and went with the 18 month interest free payment plan. Upon receiving my account number from Wells Fargo I tried to create an online account to begin auto payments. I was denied entry upon entering in my Social Security # and account number. I called Wells Fargo to ask for help. These are my calls, times and interactions below : XXXX XXXX Was led by a representative in enrolling my account and was again denied access. I was transferred to another representative that told me in order to enroll online I needed to go to a Wells Fargo branch to show my ID. I wasn't told why this was or given any help when I asked if there was another way I could make payments. 
XXXX XXXX  : After researching where the nearest branch was I realized that there are no branches in the state of Ohio where I live or any surrounding states. I called back and was told again I needed to go to a branch no matter how far it was from me. 
XXXX XXXX : I called again to ask if there was anyway I could make ANY types of payments on my account via phone, mail, etc. I was told the only way to pay was to travel 100s of miles to make a payment in person. I was given no help after this. I was left frustrated, hopeless, and scared because I need to make payments on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2017 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00}
Product: Student loan

The institution that the student loan taken out for is and have been under investigation for over charging and not a credit school. Also this loan is under the act for debt relief by our XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., debt collectors are prohibited from engaging in any false, deceptive, or misleading practices inthe course of debt collection ( 15 U.S. Code 1692e ) .3. **Violations under the Fair Credit Reporting Act ( FCRA ) **The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., requires that consumerreporting agencies adhere to reasonable procedures to ensure the utmost accuracy of information pertaining to individuals in their reports ( 15 U.S. Code 1681e ( b ) ) .4. **Identification of Specific Inaccuracies**I have meticulously identified several inaccuracies on my credit report, including but notlimited to incorrect names, erroneous account information, inaccurate account histories such as incorrect dates of opening, inaccurate high credit amounts, erroneous credit limits, inaccuratelast payment details, incorrect comments, flawed dates of last activity, and inaccurate lastpayment dates : These inaccuracies listed below are not only misleading but also damaging to mycreditworthiness and reputation.5. **Illegally Reported Accounts**Pursuant to 15 U.S. Code 1681i ( a ) ( 2 ) ( A ), upon my dispute of the information, thecredit reporting agency is required to notify the furnisher of the disputed informationwithin five business days. The furnisher then must conduct an investigation and reportthe results to the credit reporting agency. **Demand for Correction**6. **Failure to Correct Information**Despite my disputes, the aforementioned inaccuracies remain on my credit report, indicating that either the furnisher failed to conduct a proper investigation or the creditreporting agency did not fulfill its duty to ensure maximum possible accuracy.7. **Legal Action**Failure to comply with these demands may result in legal action against the creditbureaus and the furnishers of the incorrect information under both the FDCPA andFCRA. I reserve the right to seek any and all remedies available to me under the law, including but not limited to statutory damages, actual damages, and legal fees.8. I hereby demand that the credit bureaus [ XXXX, XXXX, TransUnion ] Immediately investigate these inaccuracies and correct or remove theerroneous accounts from my credit report. This demand is made under the authority of15 U.S. Code 1681i ( a ), which obligates the credit reporting agencies to correct ordelete inaccurate, incomplete, or unverifiable information.
Product: Money transfer, virtual currency, or money service

I wired funds from my bank account according to instructions given to me by ( which were provided by JP Morgan Chase to ) the payee. It turned out that the payee had two accounts at JP Morgan Chase, XXXX with their investment division and the other with the regular bank. They gave me the Routing number for the investment division, but the account number was for their savings account. It took several days to learn what happened to the wire ( Chase simply held it in limbo, not rejecting it, nor letting anyone know they were having issues determining where it should be ). It took the payee 's personal banker at Chase to finally find out what happened ( and finally admit it was Chase 's fault, not mine ). However, it turned out that Chase could not internally send the money over to their savings account ( when are you going to finally break up these too big to manage banks??? ) and instructed me to have my bank ( XXXX XXXX XXXX ) recall the wire and send it over to the correct account with the correct ABA, which we did. Chase is now charging me ( my bank ) a {$30.00} amendment fee! While I understand that Chase is too big to do anything to, and basically runs roughshod over the rest of the world, I am aghast that they can and do charge non-customers for helping them to clean up their own mess! Please do something about this ( like put some high level executives in jail, or something to stop them from charging non-customers for their inability to know what is going on within different divisions within their own company!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has viold my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 are not affiliated with me nor are they authorized by me and I would like them to removed from any affiliation with me immediately. 
XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

I was with Washington Mutual from XXXX until XXXX when chase took over my account- which I held for over 14 years. Never had any issues, over drafts or fraud. Was part of Chase private client services and thought we were the ideal customer. 
XXXX received a letter informing me that my personal bank accounts would close effective XX/XX/XXXX. 
Tried calling, tried going to the bank, reached out to my private banker. NO ONE COULD GIVE ME ANY REASONS OR ANSWERS. There is no process to appeal or gain more information. I am a part owner of a law abiding and legitimate business operation with XXXX plus employees and over {$120.00} XXXX in annual revenues. I have received large wire payments as distributions from my business over the years and I am an accredited investor who has wired money into several real estate business transactions. Again, all are reported via our taxes ( of which we paid over $ XXXX to the Federal government in XXXX ). 
Without any reason given, I have no recourse for keeping/ maintaining my accounts. 
It created a huge hardship and sent us scrambling to reconnect to a new bank and set up auto payments with various vendors/ mortgages etc.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

My name is XXXX XXXX, And on XX/XX/2022 I was notified by XXXX, that my credit score was down XXXX points and when I looked shortly after the notification, I saw that it is was AFFIRM with over XXXX accounts in delinquency. I have never had an affirm account and I called them immediately. 
I gave them my email Address in which they told me that my name was no where on the account or attached to the email. And started a case? The lady on the phone stated it would take 10-15 business days to get this resolved, so on the following week I called in and they stated they would have an answer by Friday, no calls or updates. I called today and they stated " they couldn't resolve it yet and to give them More time, i than asked that my email be removed from Whom ever has this account, XXXX stated she couldn't. Which violates my privacy,
Product: Checking or savings account

I am filling a complain with the CFPB regarding Captial One 's Failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protections laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent Equifax a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting or other personal consumer reports

My credit report does not include transactions or experiences. According to the U.S. code below. I dont understand why XXXX , Equifax and XXXX are reporting late payments to my consumer report, but it is clearly illegal to report transactions more specifically late payments to my consumer report. More specifically my XXXX ACCOUNTS and MANY OTHERS, Are being reported as late payments, which is clearly illegal as you are reporting transactions on my consumer report. They should say ok or paid as agreed. I want this reversed and changed immediately because my rights and the law have been violated. I am demanding that my consumer report be thoroughly investigated for all late payments from past to present and for them to be reversed, and shown as OK or paid as agreed. A consumer reporting agency does not have the authority or according to the U.S. law to report transactions or experiences. Furthermore : According to 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers Information to provide accurate Information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 ) containing information solely as to transactions or experiences between the consumer and the person making the report ; These are the parameters according to U.S. law what a consumer report should actually contain. As you can see, there is nowhere where it says transactions should be included or even reported. Any transactions or experiences are to be excluded. 

I demand late payments to be removed from my consumer report and reversed to OK or paid as agreed. Any further violation of my personal consumer report will lead to prompt litigation. 

I demand all late payments, showing on my consumer report after a thorough investigation into this matter to be reversed. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017 a hard inquiry was placed on my  XXXX  credit report by One Main.    I called and requested them to have it removed but it is still there.
Product: Credit reporting or other personal consumer reports

My data was breached. Code 15USC1681 I request the following needs to be removed from my credit report and my credit restored : + A high balance was paid in the same month but lowered my score at XXXX XXXX, please remove + A second and third credit inquiry on the same Citibank lowered my score, this was a mistake Please restore my credit, let me know. 


Thank you, XXXX XXXX XXXX