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

LexisNexis has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing an account as as paid. Then they report another account as a closed charge off. However the account they are reporting as a charge off has a balance of XXXX. I have no knowledge of the account, and XXXX XXXX  has not sent me any documentation on the alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 I have the right to privacy 15 usc 1681 section 604 a section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Ive tried contacting synchrony bank several times about an account they closed on me without me knowing and they send me emails to pay the remaining balance at the time was {$210.00}. Ive tried to pay them but every time i get hung up on and now they put a late payment on my credit. I can not pay online since they closed the account. Nor can I pay on the phone. I have attached the most recent times Ive tried calling.
Product: Credit card or prepaid card

On XX/XX/XXXX I was travelling in XXXX XXXX XXXX. A girlfriend and I went to XXXX XXXX  XXXX and purchased one personal pepperoni pizza that we shared and two vodka tonics. The total of the purchase came out to XXXX pecos or {$38.00} US dollars. The tip brought the total to XXXX pecos or {$47.00} US dollars ( {$48.00} approximately ). The bartender was told to charge the total in pecos,  however he inadvertently charged the incorrect total of {$880.00} in US dollars to my credit card. I initially disputed this claim with Chase Bank, where I have this Chase Slate credit card. The initially refunded the {$830.00} US dollars to my account. On XX/XX/XXXX I was recharged the credit that I received for {$830.00}. I have disputed this claim with my bank on 3 separate occasions. The initial dispute I did not have the receipt from XXXX XXXX  XXXX, however since than I was able to contact the owner of XXXX XXXX  XXXX XXXX XXXX, who put me in contact with the General Manager XXXX XXXX. XXXX XXXX acknowledged the error in billing and provided me with email correspondence in regards to this error in billing. He also provided me with a copy of the receipt and credit card charge slip with the correct amounts clearly identified. I have provided this information to Chase Bank / Slate Credit Card company and they still refuse to provide me with the refund of {$830.00}.
Product: Credit reporting or other personal consumer reports

I havent did anything on my credit report in over 10 years do to XXXX some one has been using my name etc trying to get cards an purchase things some stuff have actually been obtained by them now I have debts an hard inquiries thats not me I notified some of the companies with no answer or actions on any level
Product: Credit card

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

CALIFORNIA BUSINESS BU XXXX Balance {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company in regards to my credit report showing inaccurate and incomplete accounts information. Reporting to creditors and lenders different information than what's being showed on my credit profile. Also, accurate are reappearing after been deleted for statue of limitations or dispute them and no validation from the creditors. The original date of delinquency is not listed, payment history, amount owed or Collection Names of account hold. Also, there are several inquiries I am requesting to be disputed in while they prevent me from doing. I filed one dispute and need to do another but XXXX refusing to allow me to do so. Please help me to result this issues. And because XXXX reporting inaccurate information I getting denial letters, inquiries on my report and decrease in my credit scores
Product: Payday loan, title loan, personal loan, or advance loan

Hello, Please let me know when Cash Factory USA plans to release my funds totaling {$1400.00} back to my bank account. I have been waiting since XX/XX/year>2023 for this matter to be resolved and closed. Ive yet to receive any notification that my refund has been processed and sent to me. I would like to know if the refund is being sent by check or ACH/EFT. Please let me know when I have your direct attention to this matter. 

Its been over a year now that your company has yet to refund my money back to me. I have also seen XXXX responses from this apparent and so called Compliance department that I am assuming runs the operations for this Business. I do not care how long Cash Factory USA wants to drag and ignore the information. I have all the time and patience in the world. Once I receive my money back this matter will be considered resolved by me. 

Thank you, XXXX XXXX
Product: Checking or savings account

Made a wire transfer from XXXX XXXX XXXX from my savings account on XX/XX/24 i have XXXXaccounts the checking savings and brokerage which they authorized then the next day they froze all XXXX accounts before reaching out to me which they say was for unusual activity called on XX/XX/XXXX took along time to get through on hold for at least XXXX minutes talked to XXXX XXXX  XXXX XXXX am he said call back at XXXX again on hold then spoke to XXXX XXXX  on hold again finally talked to the security team they asked many questions i tried to tell them this and other transactions are legit i sent them i signed letter saying so then they wanted a trusted contact i gave them that then they wanted to speak to her then i contacted they security team and me and her spoke to them again on XX/XX/XXXX to no avail they are saying something like identity theft i keep trying to tell them this is not so im retired on social security and i have XXXX figures there and i need some of that money to make ends meet most of my life savings is there and they are causing me financial hardship im am so sorry i ever put my money there i have {$190000.00} there and cant do anything cant withdrawl cant buy stock or sell cant write checks
Product: Credit reporting or other personal consumer reports

Experian continues to illegally report a fraudulent XXXX XXXX account ( # XXXX ) ** listed in my FTC Identity Theft Report ( # XXXX ). Despite three prior disputes ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and FTC-mandated obligations, Experian refuses to delete this account. 

**Account Details** : - **XXXX XXXX** ( # XXXX  ) : {$40.00} debt opened fraudulently in XXXX. 
- **Fraudulent Addresses** : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( used to open the account ). 

**Violations** : 1. **FCRA 605B** ( 15 U.S.C. 1681c-2 ) : Failure to block identity theft accounts per FTC report XXXX 
2. **FCRA 611 ( a ) ( 7 ) ** : Refusal to disclose verification method/documents after disputes. 
3. **CFPB Circular XXXX : Use of prohibited automated systems ( e-OSCAR ) instead of lawful investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing this complaint in the hopes of helping to fix a broken component of the 3 credit bureaus reporting system. 

When consumers pay to pull a credit report when checking on an individuals credit history, they do so in the hopes of receiving accurate information. 
This supposed accurate information helps the consumer to make a decision as to whether to do business with someone, give them a loan, lease a car, or let them rent an apartment ETC. One assumes that the credit bureau themselves have done the proper due diligence for this information to be available. 

Truth be told, the 3 credit bureaus have a policy now to NOT allow the individual landlord, or in fact, any landlords that have less than XXXX units, ( or in the case of transunion, less than XXXX units ), to give any information about renters who have stopped paying their rent. The 3 unions refuse to take this information. Of course, tenants who stop paying their rent and even never pay what they owe the landlord at all, are the kinds of consumers that other landlords, loan brokers, and car dealerships etc hope to discover when they pay for and pull a credit report. This should not be the case. 

In fact, even when a small claims court judgement is rendered, they now will no longer notify the 3 credit bureaus as they have found it too cumbersome. So even with a court judgement and proof that someone has ongoing ( even years of ) unpaid rent, that information will not show up on their credit report. 

This helping the credit bureaus bottom line should not be allowed and should be rectified. 
The 3 credit bureaus are selling a service in good faith, whereby with their information consumers make meaningful and expensive business decisions. It is the credit bureaus ( legal? ) responsibility to do their due diligence and give the business consumer accurate information since when paying for the 3 credit bureaus services, that is what the business consumer is assuming they are getting.

If the 3 credit bureaus not care to fix this injustice, then a large capped disclaimer should be at the top of every single generated credit report stating all the exclusions of bad credit that the credit report WILL NOT REPORT. In the case of delinquent renters, these are massive in numbers as many of the rental units across the country are in buildings with less than XXXX units and XXXX units respectively. 

I hope and trust that this matter will not be passed over. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the below inquiries on my credit report. I tried for seceral months to get these removed from all 3 credit bureasu and I keep getting the run around. I did not sign for any of these inquiries XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was told via Credit Karma that I was pre approved and after submitting my info along with a hard inquiry I was denied the loan
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated 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

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance XXXX {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$740.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021
Product: Debt collection

National Recovery has failed numerous times to notify me it's intent to report an alleged debt to the credit card bureaus. On XX/XX/2019, I had received notification from XXXX XXXX that there was an added derogatory account. National Recovery had failed to provide me a 30-day notice to dispute the debt. The company will receive a notice demanding them to provide validity of this debt within 30 days of the date they receive the letter. This is not the first time they had failed to provide me with notification of an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX card was sold to XXXX, XXXX XXXX XXXX XXXX. phone number is XXXX. Ext. XXXX. My credit report says collection should say settled and paid in full. Not a collection. Remarks need to be put in as settled and paid in full. Thx XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX this year my home mortgage with XXXX XXXX was deleted from my Experian credit report and my XXXX score went down from XXXX to XXXX I call both XXXX XXXX and Experian and both are blaming each other and neither XXXX XXXX or Experian are fixing the problem. I try numerous times with both company 's to get an explanation and we went nowhere. Your help in this matter will be greatly appreciated. 

Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to open and close my account to reage the original date of deliquency month after month hurting my score. the account was closed with a balance due back in XX/XX/2023 and efforts to resolve the balance were not met by the creditor. I contacted the creditor and asked that late payment be removed to no avail. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. This is seriously effecting my score and continuing to oppress me as an individual. Because of my score ive been denied employment, credit and housing. I would like to ask that late payments be immediately removed from my credit file across all three beaurus. 
It is illegal to open and close the account only in an effort to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one outstanding auto loan with XXXX XXXX. A payment of {$7100.00} was made on XX/XX/2021 and the account was paid in full on XX/XX/2021. No updated balance information is reflected on any of my credit reports relating to this account since XX/XX/2021. I have attempted to get this corrected 3 times and as of today XX/XX/2021 neither of my XXXX or XXXX payments are reflected on any of the credit reports.
Product: Credit reporting or other personal consumer reports

I paid my credit card off to bring my total credit card usage down, to boost my credit score. I owed them {$2400.00} on this card. I paid them on XX/XX/XXXX the full amount down to {$0.00}. They never updated my credit usage on to reflect payment. My experian report still shows as of XX/XX/XXXX I still owe this amount. Hindering my ability to gain more credit for my new business. It showing a XXXX balance on XXXX but not on the other 2 agencies.
Product: Debt collection

They constantly hounding me over debt of ( {$900.00} ) thats not mine. They will not leave me alone and deleted debt I Told them they are in violation of 15 USC 1681i. They said they didnt care they was hired to do so
Product: Credit card

I entered a Debt Settlement Program under the umbrella of Apple Law Group approximately 3 years ago and recently recieved a statement declaring the accountt had been " resolved '', after this company withdrawing a certain amount for over 3 years. I was suddenly told there was a statue of limitations with this particular bank because the main branch was based in Maryland, and there would not be funds withdrawn any longer ; the amount withdrawn came out to approximately XXXX U.S. dollars. Now the bank is trying to sue my ex-husband, who has nothing to do with this. And I repeatedly asked them to remove his name from the account. I am a victim of a scam and fraud.