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

I was provided to LexisNexis a consumer file pursuant to section 609 of the fair credit reporting Act ( 15 USC 1681g ) permissible purpose to access my information. I sent them a letter on this date, XX/XX/year>, I attached that letter that I sent them that clearly tells them that the information they are reporting is not accurate its not complete, and it is incorrect. Please delete it from my Credit Report Immediately. I wanted them to reinvestigate this because the way its looking on my credit report it does not look accurate, fair and it does not look complete. Additionally, I alerted them with my filling of my FTC Identity Theft Affidavit, which was attach as well, to report separate personnel information and accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal information and accounts below : Personal Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I informed them that I believe there may be other violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ) ( 4 ), which emphasizes the need for accurate credit reporting to ensure fair treatment of consumers, and 15 U.S.C. 1681b ( a ), which outlines the permissible purposes for accessing a consumers credit information. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2, I was entitled to have this fraudulent information removed from my credit report expeditiously. I insist that they do not use automated verification methods such as XXXX XXXX to investigate my claim due to inaccuracies of LexisNexis versus XXXX records, as these methods are insufficient for verifying the accuracy of such serious allegations. 

I explained that I was maintaining detailed records of all correspondence and actions related to this matter. Including their failure to respond within my entitled to have this fraudulent information removed from my credit report expeditiously. Under the FCRA, I may seek up to {$1000.00} per violation for defamation and negligent enablement of fraud. I look forward to your prompt response to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated My rights 15 u.s. c 1681 section 602 A states I have the right to privacy. 15 u.sc 1681 section 604A section 2 : it also states a consumer reporting angency can not furnish a account without My written instructions
Product: Credit card

I ordered popcorn set before the movie in XXXX and never got them and worker told me to just reorder them as they cant do anything about it after I waited hour. they told me to contact XXXX or dispute credit card later which is what I did and got denied for my case..
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX CRAs, and they refuse to dispute or investigate the inquiries. LVNV and XXXX XXXX have violated my rights by failing to provide the itemization within 30 days per the CFPB Guidelines. Please delete this account.
Product: Credit reporting or other personal consumer reports

upon reviewing my consumer credit file i noticed there were numerous inaccuracies that i the consumer didn't recognize, nor applied for. the account in question is : XXXX XXXX XXXX Bank and the account is ending in 6937. This is inaccurate and should not be reflecting on my consumer account. please see identity theft report attached
Product: Credit card or prepaid card

I purchased a rental car on XXXX for a rental car with XXXXXXXX XXXX XXXX in XXXX, FL. When i returned the rental car i was overcharged for the rental car due to a mistake they made on their end. I talked to a manager she corrected the issue signed the receipt as proof. The extra charges were credited back to me and then months later they recharged my card. The first time my bank ( Fifth Third ) blocked the charge but when they tried a second time the charge went through. I put a dispute in with Fifth Third Bank but found out later that the person who set up the dispute set it up wrong and noted that the charge was a duplicate charge. Because they put the information in wrong about the charge being a duplicate charge they refused to dispute the charges. I contacted them again about it and found out they had two different claims open about the same incident. They opened up a new appeal on the claim but now they are saying that the charge can not be disputed because they received notice of the dispute more than 60 days after the the transaction. This is not true. Also i had a previous complaint with another claim where they seem to not find out the billing error even with all the proof available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent repeated request to XXXX  to remove several inquires that was not authorize, they continued to keep denying my request to remove them under the Fair credit act. 

i submitted those same request to XXXX  and XXXX  and was successful. 

I am looking to purchase a home and can not due to these inquires.

In addition to send them 2 certified letters, i also disputed on line and was very taken back by their denial within 24 hours without investigating
Product: Credit reporting or other personal consumer reports

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX 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

Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. You are allowing slander on my credit report. Your XXXX  need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete and NOT VERIFIED! 

XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Credit card or prepaid card

Good afternoon, My name is XXXX XXXX. I recently booked a rental car ( Rental agreement # XXXX ) and had an issued with a third party company and XXXX XXXX XXXX XXXX. Please review the following listed information and documents. 

On XX/XX/22, I booked a rental vehicle through a third party company called XXXX. I reserved a fXXXX XXXX with XXXX XXXX XXXX The full amount for the rental vehicle is {$740.00}. The XXXX Company required me to deposit an amount of {$520.00} for the initial booking. The remainder of the balance of {$210.00} is due at pick-up. I used my chase business card ending in the last 4 digit # XXXX for this transaction. 
On XX/XX/22, Ive arrived at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I spoked to the receptionist and they explained me that they did not have a fXXXX XXXX  available but, they do have a XXXX that they can provide it to me without any additional charges. In addition, the receptionist advised me that I should sign up with their XXXX for an additional fee since I will be traveling on the highway and some of the roads have cashless tolls and that would automatically activate their XXXX The total upgrade charge is now {$830.00} instead of {$740.00}. I used my Chase XXXX XXXX Credit Card ending in the last 4 digit # XXXX for this transaction. I did not have the original chase business card ending in the last 4 digit # XXXX in my possession. 
On XX/XX/22, I returned the rental vehicle. I then received an invoice through my email and noticed that they charged me {$830.00} on my personal Chase XXXX Credit card ending in the last 4 digit # XXXX. The amount that I was supposed to be charged is {$300.00} since I already made an initial deposit of {$520.00} at the initial booking through XXXX. I paid a combined amount of {$1300.00} instead and should have been charged only {$830.00}. 
I did speak to the XXXX XXXX XXXX  representative after I returned my car and she stated that theres a lot of issues with the 3rd party company and I should have booked directly through XXXX XXXX XXXX. She told me to file a grievance. I am owed {$520.00}. I believe that there was a communication error with XXXX XXXX XXXX and XXXX Company or that I used two separate credit cards that may made some confusion. 

Ive attached all relevant documents in this letter. Please review this letter and all documents that are attached to it. Call me if you need me to explain any more details. My cell phone number is ( XXXX ) XXXX and my email is XXXX. Thank you for your time. 

Best Regards, XXXX XXXX
Product: Debt collection

TransUnion is reporting mutiple XXXX accounts on my credit report it infringement upon a consumers rights to privacy pursuant 15 usc 1692
Product: Checking or savings account

On XX/XX/2019, I submitted a claim for {$200.00} to get my money back. On XX/XX/2019, I went to the XXXX XXXX XXXX and tried to take out {$200.00} and was charged XXXX to use their ATM. I did not receive any money but the money was taken anyway. I had reached my limit on withdrawals and Bank of America 's system stated that the withdrawal had been denied. I called the next day to confirm with bank of America 's phone system and the system confirmed that the transaction had been denied. While the claim was going on, I called bank of America to let them know that their system had confirmed that the transaction was denied but they said they still have to do the investigation since the ATM was not theirs. I figured I would be ok since it was in their system. 

I just received a notice on XX/XX/2019, that the claim was not going to be paid back. Bank of America gave no reason and clearly their own system even stated that the transaction had been denied. I am filing a complaint because I did not receive any money from that ATM and Bank of America has a record of that transaction being denied. I am due back {$200.00}. This has made my account run a negative {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in reply to EXPERIAN, of course i sent in this this and the last complaint because i am a victim of identity theft. I don't understand why you would think otherwise. with that being said I am resubmitting my complaint again
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance {$320000.00} XXXX XXXX XXXX XXXX Balance {$320000.00} XXXX XXXX XXXX Balance {$320000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXX XXXX Alleged Late Payment Date ( XXXX ) : XX/XX/year> Creditor Name : XXXX XXXX XXXX XXXX Alleged Late Payment Date ( XXXX ) : XX/XX/year>, XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1666b ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1666b.

In accordance to the fair credit act this creditor has validated my rights under 15 USC 1666b. It states the consumer reporting agency can not furnish any account without my written consent. A creditor may not treat a payment under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



. Please remove and delete the above accounts in this statement.
Product: Credit reporting or other personal consumer reports

violation of 15 U.S. code 1681 Third Party Agency LVNV Funding LLC failed to comply with requirements to i the consumer in order to report to any credit bureau. LVNV failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX/2024,XXXX/2024 and XX/XX/scrub>XXXX/2024 requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. 
Debt claimed owed : {$990.00} Original Creditor : XXXX  XXXX XXXX
Product: Mortgage

This is my third complaint from the same issue. Previous complaints numbers : XXXX. Submitted on XX/XX/2020 XXXX. Submitted on XX/XX/2020 This mortgage company at first tried to charge me {$3000.00} for a flood insurance when I already had mine and most recently they are saying that my flood insurance is not sufficient without telling me how much is the " insufficient '' coverage and trying to force me again to purchase their ridiculously expensive policy for {$3000.00}. 

This is an abusive practice that I am sure they are doing to a lot of mortgage owners and my hope is that with the New administration you guys INVESTIGATE and PENILIZE this company. They are ABUSING consumer 's trust and trying to charge for insurance policies when owners like me HAVE PLENTY of coverage already. 

PLEASE INVESTIGATE!
Product: Debt collection

I spoke with the manager of the location. I verified that it is me. I told her to only call my cell phone if needed. I explained that I have been ill. I made arrangements to pay. The next day, another woman called my place of employment and one of my relatives before calling me. Then she called me and  began to tell me that my loan was past due like I never spoke to her boss. I advised her that I had already made arrangements at which time she openly admitted she had not read the notes before she started her calling routine. A few minutes later my family member called me too, to tell me about the hed received. I called her back to ask why she had called at all and on top of that - called other people and my job when Im at home recovering and had explained that to her boss on the previous interaction. She said all she could do was apologize and have her boss call me back. I spoke with her boss and explained that I am still recovering and what they had done was causing me to tremble and be embarrassed. She agreed to take a lesser payment to compensate. I agreed to pay by XXXX. She told me Id get a reminder call on XX/XX/31 or XXXX. Today, XXXX, a woman named XXXX called me. Unfortunately, a family member died in my household yesterday and I told her this was not a good day. She continued to push to get me to commit to come in on Monday, after asking me to come today anyway. I told her about the death and she didnt even express condolences or care at all but continued with her business pressing me to commit to Monday and give her a time I would be in. I was so shaken, I forgot I am on bereavement on Monday. Im about to call them back to ask for XXXX, the manager, to call me back. I can not believe they are allowed to tell my family member the name of their business which clearly says what they do with being asked. They also proactively asked my family to deliver a message to me. I am aware they cant do that. Further, they called a day later than promised and when I told them Im in no condition to talk right now - she continued to press me. I wasnt going to file a complaint at first but now that this lady has called and ignored my valid request to grieve today, Id like a regulator to look into their collection practices and have them prove to you that they have appropriate training in place to avoid abuses like this and make reparations for their intent to embarrass me and treat me with no respect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler (  XXXX  ). I have been trying for 4 years to get  XXXX  to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and each  one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted  XXXX  to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and  XXXX  has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held  hostage by  this company. Attorneys want to much money and NO  ONE cares,  within the government or their agencies, that there is fraudulent info on my acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX  XXXX {$14000.00} USDOEXXXX  XXXX {$420.00} XXXX XXXX {$740.00} XXXX XXXX  XXXX {$460.00}