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

On XX/XX/2023, I received LexisNexis consumer report via mail after requesting it online. To my dismay, LexisNexis is reporting many dishonest and incorrect information on my consumer report. They are in direct violation of the Fair Credit Reporting Act 15 U.S.C. 1681. I am in fact a victim of the XXXX data breach which was beyond my control ; attached you will find tangible proof of this, a signed and notarized Affidavit of Identity Theft which affirms that what I am disputing is true and accurate, and a FTC report notifying them of LexisNexis fraudulent reporting of my personal information.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent someone stole my photo id and social security number and open fraudulent accounts in my name i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRas. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

In XXXX, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/ I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue I take is with the company Experian.

I have filed 4 disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about an account that is not mine. I have called the credit card company that the account with my name is under ... They have no record of me as a customer. I have filed 4 reports all to get this incorrect card/info removed from my credit report and 4 times now Experian has not removed the incorrect information.

Furthermore, I tried calling Experian directly but they're phone service does not accept my SSN or any button inputs. Have tried from numerous phones and encounter the same problem.

Absolutely abhorrent service and company.
Product: Vehicle loan or lease

I have an auto loan on auto pay that automatically deducts $ XXXX from my bank account. I have never had a single late payment. In XX/XX/2022 TD Auto Finance misapplied someone else 's {$2000.00} payment to my account. I tried to make a payment in XXXX but it said no payment was due because of the misapplied funds, so I made a payment to principal. In XXXX, TD Auto Finance corrected their misapplied payment and backdated it to XXXX, so that my account showed XXXX something days late and reported it to credit bureaus. It was after the auto pay date so no auto pay was deducted from my bank again. They did not notify me of the error and asked why I didnt go online and make a payment. The account was on auto pay for years, I had no reason to think I should and assumed it would auto deduct. I have called XXXX to fix my account and the XXXX months of fees have not even been credited back and they don't seem to know how to fix their error reporting my account late to credit bureaus. In addition, the third time on the phone today, the representative disconnected my call " accidentally '' because she likely had no idea how to fix the 2 months of fee assessments I've requested credit back or the mistakenly reporting my account as late to the credit bureau even though their misapplied payment prevented the auto pay on my account from deducting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies present on my credit report with Experian, and to demand immediate investigation and correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. My dispute concerns the erroneous information listed under XXXX  XXXX ( who is also being sued ), XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and all other negative accounts on my Experian report, which is inaccurate and has adversely impacted my credit profile. 
I would like to remind you of the ongoing issues with the manner in which Experian, along with other major credit reporting agencies, has been handling consumer disputes. As you are aware, the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, accusing the company of conducting sham investigations of credit report errors. The lawsuit highlights the failure of Experian to properly investigate disputes and the continued listing of inaccurate information on consumer credit reports. These actions clearly violate the requirements set forth under the FCRA, and I demand that you cease such practices with my credit file. 
Under 15 U.S.C. 1681i, you are legally required to : 1. Conduct a reasonable investigation into any dispute raised by a consumer regarding the accuracy or completeness of information on their credit report.

2. Correct any inaccuracies within a reasonable time frame ( typically 30 days ), and provide written notice of the results of your investigation, including a copy of my updated credit report if changes are made. 
In light of the CFPBs lawsuit and your apparent failure to adhere to the statutory requirements, I demand that you : * Immediately initiate a thorough and independent investigation into my dispute, ensuring that all relevant information is properly reviewed. 
* Correct any and all inaccuracies within my credit file, and provide written documentation of the investigation results. 
* Cease any practices that might undermine the integrity of the dispute process, as described in the CFPB 's legal action. 
Failure to comply with these provisions not only violates my rights under the FCRA but also subjects Experian to legal liability, as outlined by the CFPB 's actions. As a consumer, I will not tolerate such negligent practices and expect immediate remediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Product: Mortgage

I was purchasing a home thru Howard Hanna real estate and I have multiple issues with the company. First they denied me a refund on my appraisal and the appraisal was never done or scheduled. I did sign a document stating I would not be refunded if I failed to purchase the home due to my fault, this never happened I didnt purchase the home because once I received the information on the HOA and the master policy I did not agree with the terms. The HOA master policy was not given to me until after I made the offer on the home and I canceled the sale immediately. The appraisal was never scheduled. But they still denied me a refund. Second I am not ok with the way I was treated by my realtor XXXX XXXX and by the finance guy XXXX XXXX. Things were very unprofessional and very confusing to me and I have since moved on to another realty which I Am happy with. XXXX XXXX made me pay off all of my credit cards and close them out completely. XXXX XXXX tried to get me to put in an offer of 98 % of the asking price of XXXX and we settled at XXXX much less than 98 %. When I tried to talk to XXXX XXXX about my concerns he told me to take my business elsewhere. XXXX XXXX lost her patience with me and started screaming at me on the phone. I have consulted with 2 other realty companies and they agreed I should get my money back on the appraisal. Thank you
Product: Debt collection

My husband passed away on XXXX XXXX XXXX. He was on Social security XXXX and XXXX from former employer XXXX XXXX since XXXX XXXX and in a wheelchair. I am XXXX years old and am on social security. We have separate bank accounts at Chase bank. He did not use my account to pay bills. On XXXX XXXX I discovered that a levy had been put on my account by XXXX XXXX XXXX for a debt that my husband had in XXXX which I had no knowledge of until my husband XXXX. Judgement was put on XXXX by XXXX XXXX XXXX. Can they levy my account when it is not my debt and my name is not on the account. I contacted the XXXX XXXX XXXX to ask why they put a levy on my account and their lawyer, XXXX XXXX told me to get an attorney. The bank is holding my funds and has cancelled my debit card so I ca n't get any money to live on. I had no knowledge of the old debt that was in my deseased husbands name. I do n't know what to do as I ca n't afford an attorney and I am still under a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. We have been on XXXX and social security scince XXXX. Please let me know if you need more information. I was told by the bank that I should have given them a XXXX certificate and taken his name off the account. I did not know this and did not get death certificate from state until last week before his military XXXX. I hope this information helps some else. You always think your money is safe in a bank. If debt collectors can.t harass you by phone or in person you why are they allowed to order bank to freeze your account? I have never been notified by XXXX XXXX XXXX about any of this. It is not on any credit report from any agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). I just received my investigation results. Complaint # XXXX and saw an account was verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? if so, please inform me of the person who completed the investigation. How did you do a thorough investigation if there are still several inaccuracies on my credit report? One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681 Section 603 ( E ) States ; The term " investigative consumer report '' means a consume report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 USC 1681 ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information form the file of the consumer, or modify the item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX, consumer and natural person, am aware of all of the rights i have, and which are protected by the Congress under the FCRA. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : US Dept. Of Education Account Number : XXXX XXXX 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. 

Delete this account immediately unless you want to be held liable {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus that I am complaining about have not only defamed my character, they have violated my rights to privacy and caused me emotional and physical stress!!! I want them to cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete the public record from my consumer report and all their systems. Why are these public record still on my consumer reports when they are unverifiable and I have sent proof that they are unverifiable? 

Public Record - 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 OR THE BANKRUPTCY COURTS BUT I HAVE PROVEN THAT IS NOT TRUE. I HAVE ATTACHED THE LETTER I RECEIVED FROM THE COURT THAT SHOWS THE COURT DOES NOT VERIFY PUBLIC RECORDS AND THE LETTER FROM XXXX XXXX THAT SHOWS THEY HAVE DELETED THESE PUBLIC RECORDS FROM MY CONSUMER REPORT DUE TO NOT BEING ABLE TO VERIFY THE ACCOUNT WITH PACER OR THE COURTS. I HAVE ATTACHED THIS LETTER AS WELL. THIS SHOWS PROOF AND YOU MUST FOLLOW SUIT SINCE THESE LOCATIONS ARE WHERE YOU CLAIMED THIS IS WHERE THE INFORMATION CAME FROM AND PERMANENTLY DELTE THIS BANKRUPTCY FROM MY CREDIT REPORT. 
My inquiry to the U. S. Bankruptcy Courts confirmed THEY HAVE NEVER VERIFIED THIS PUBLIC RECORD, or verified this public record entry on my credit report, neither will they ever be by them. XXXX XXXX NEVER VERIFIED THIS WITH THE COURTS OR WITH PACER. The US Bankruptcy Court further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currentlyshowing under my social security number to be PERMANENTLY DELETED from my consumer reports immediately. 

They need to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. 


They have not only defamed my character, they have violated my rights to privacy and caused me emotional and physical stress!!! Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. 
Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these public records from my consumer report and all your systems. 

I have attached all of the proof I have that they are violating my rights. The letter from XXXX XXXX and the courts along with my dispute.
Product: Credit card

Citi Credit Card ( Costco Card ) Changed my statement close date with no notification or approval. They then proceed to charge me late and interest fees along with not deducting a {$4100.00} payment but instead adding it on top of my new balance, which comes to {$7700.00}. They provided no explanation for why this happened. This is clear Fraud. Fraudulent charges ex. late fee, interest fee, {$4100.00} all ready paid. If I tried to take upwards of {$4000.00} i would be arrested. XXXX ( Customer Service Manager ) XXXX was who I spoke with after demanding to speak to a manager and before he transferred me to
Product: Mortgage

We have repeatedly asked for a history on our loan, and have yet to receive one. We noticed on recent statements that we are being charged interest on fees the service provider is charging that we have not been notified about. ( quarterly appraisal fees? ) We have also received correspondence in incorrect names with our mortgage loan number and address. We also have reason to believe our escrow account has not been properly managed as we are now due for two years of insurance in our latest statement.We can not get answers from the ombudsman email address or via phone. We have reason to believe they are in violation of several fair lending laws. Our home has been undervalued so we continue to pay PMI, on which the premiums keep increasing.
Product: Credit card or prepaid card

Wells Fargo has a limit on how many payments I can make on my credit card bill a month. The rules are that as a card holder I can make only XXXX online payments a month and one each day. 
XXXX : I made a payment for {$500.00} on XX/XX/2022 but cant make another payment today. I also wanted to make a {$2700.00} payment in addition to the first payment but was denied processing the online payment. 

Also XXXX cant make more than XXXX payments a month towards my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, that are fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history : 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 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. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX Balance : {$450.00}
Product: Credit reporting

For Experian I have several XXXX Inquiries ( XXXX ) that were reported and listed on my credit report - impacting my Experian credit score. All these inquires are NOT associated with any loans/credit cards/accounts that are active on my credit report and I issued a certified letter to Experian with a copy of the letters that were also sent out to the companies for verification ; the date of Experian 's signature of retrieval is XX/XX/2016. According to the FCRA, investigation has an allotted time of 30 days from the date of retrieval, which is XX/XX/2016 As of today, XX/XX/2016, I have received nothing from Experian stating anything about the investigation of these inquires. In my letter, I have kindly asked that Experian remove these inquires from my credit report since these inquires reflect negative information without representing any active accounts with my current credit. I would like for Experian to remove the following. ( Please see attached spreadsheet ).