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

I have reached out to LexisNexis and requested information in which I have yet to receive a response. LexisNexis is in violation of my rights as a federally protected consumer.
Product: Vehicle loan or lease

On XX/XX/XXXX, I received a pre-approval letter for an auto loan from Navy Federal Credit Union, which I believed to be a genuine offer. Excited to secure a vehicle, I diligently completed the necessary paperwork and received the approved loan amount. 

I provided the loan approval details to this dealership and entrusted them with the funds. Regrettably, this dealership turned out to be a scam, and I never received the car I intended to purchase. Ive been dealing with this dealership and specifically a sales consultant by the name of XXXX XXXX claimed that he was a representative the handles loans and he will take care of your check to send to the dealer not knowing he was going to steal the auto loan money for his personal use. Either the dealership or the consultant signed my check! That is not my signature and I have proof. Once I tried confronting him he threatened me and caused defamation of character. 

Ive found out the dealerships info No Horsing Around Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX United States Consulting Agent info XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX Navy Accounts e-Checking - XXXX XXXX XXXX
Product: Debt collection

This medical collection agency ( FST FIN MGMT ) Acct # XXXX is still reporting on my credit after I have received written proof that they was going to ask the credit bureaus to remove this from my credit report. It still reporting to XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX Account Number : XXXX UNUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, 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: Debt collection

A representative from Navient offered affordable monthly payments, stating that I had to make sure to pay for 3 months, and then I would be entered into a reduced interest program. 
My husband and I agreed and began making monthly payments. At that time I also began looking into repayment options, such as grants, forgiveness, etc. I was approved for {$7800.00}. I called XXXX and to ask about directing the allocation of the additional funds to completely pay off XXXX of my smaller loans, leaving only XXXX larger loans. I was told that I could not do that until the funds were received. Once the funds were received I called back and was told that I could not decide how my funds were allocated, but was advised to email a supervisor and ask. I was also informed at this time ( 6 months of on-time payments later ) that I had not been put into the reduced interest program, due to missed payments. I was told that missed a payment the month that XXXX received {$7800.00} which was two months after I should have already been in the program. I then received XXXX letters in the mail thanking me for my partial payment?! I have only paid the full amount that was initially agreed on. I never received a reply from the person I emailed, but I did call back. After that next conversation my excess funds were reallocate to pay all but XXXX cents of XXXX of my loans, but left {$460.00} on the other XXXX that it was suppose to pay off completely. I continued to call in order to have it done correctly ; in fact, I call back about XXXX to two times a week now. I have spoken to over XXXX different people and have been told that what I am asking for is possible and legitimate ; however, I ca n't seem to find the XXXX person that handles this. I have been told by all representatives that they are working on it. Yet it has been 5 months since the excess funds were sent in, and 10 months of regular on time payments, I have still not been put in the reduced interest program ( despite being told several times that I am eligible and will be entered into it that day ), I still have not had my funds reallocated, and XXXX still reports to the credit bureaus that I am not paying, despite nearly a year of on time payments and {$7800.00} in excess funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX  Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Checking or savings account

I received my XXXX year long wait of my federal tax return but it was in check form so i had to find somewhere to cash it due to chime being the main bank i put money into and it wasnt my first time using this feature i decided to use the mobile check deposits feature where you scan your check and upload it on the mobile bank app and itll deposit the scanned check within a certain tile frame. But when you deposit is chime has you sign check and write some sort of chime slogan on the back of the check. So after doing this i confirmed a date of the XXXX when the check should be deposited in which i was olay with but not even two minutes later i receive notification that the check wasnt accepted but when i confirmed if to get the date it said that it was okay and depositing. So now i have came to conclusion i needed to contact support which took hours to get in contact with an actual agent. But once talking to agent he gave me false information that it wasnt they fault it was the government check that denied them access to cash it and once i stated that couldnt be true to came up with another false statement that i could upload check again just check the corners and make sure everything shows and appear in photos in which i did and tried it again but ended with the same results. Called back agent stated that he was gone put me in contact with supervisor i expressed i needed a agent that can comprehend what im saying and actually help me he continued that the supervisor had more access and could better help i agreed okay and continued to wait to be transferred to supervisor supervisor answered but said hold on and next thing i know 30 minutes later i was back on the phone with XXXX XXXX picks up thinking i was a new customer and i expressed i wasnt he asked what happened with supervisor i told him i was put back on hold he stated he was going to look into it and cane back with the lie of the supervisor lost connection and try to get me back in contact with another supervisor but I was on hold of additional 45 minute before being back in touch with the same agent and he asked me again. What happened? I explained I was never put in contact with someone and I was just put on a hole he explained that he will try again. I would finally put in contact with the supervisor, but that supervisor explained that it was basically nothing on their side that they could do but tell me to order another check because I could no longer cash my check anywhere else due to them having me sign it and put that logo on the back of It. I expressed and stated that that was not OK with me because I trusted try and with me trust and try got me into the situation so I was hoping that they could either put the trick through or have another solution on how I can cash my check, but they had neither and they expected me to be the one to resolve the issue myself instead of acknowledging the fact that their system is the reason Im in this situation in the first place instead of taking accountability and trying to resolve the issue with their company. They expected me to the customer that trust itself to do they part
Product: Debt collection

This is for  XXXX , i disputed with all credit beurau and was removed form   XXXX   on   XXXX    XXXX      but keeps coming back,
Product: Checking or savings account

Chase App charge dispute earlier this week Called customer service earlier this week was told fraudulent charge could fall off Fraudulent Charge fell off during the week Fraudulent Charge is now back XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. I also requested a cancellation of debt from the Trustee XXXX XXXX. I have sent the US code, CFR and IRS documentation to update the debt payments on my credit report. They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for resolutions. 

XXXX5 U.S. Code 1681 15 U.S. Code 6805 15 U.S. Code 6802 12 CFR 1016.10 Privacy Act- 5 U.S. Code 552
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted LexisNexis for a method of validation of bankruptcy. LexisNexis is reporting to XXXX and XXXX that I have a bankruptcy. According to the FCRA they have 15 days to respond to me the consumer. They are to provide me with a discription of the procedures used to determine the accuracy and completeness of the information listed on my consumer report. They are required to follow reasonable procedure to assure maximum possible accuracy. They are in noncompliance of the FCRA regulations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that you have reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **Account Type : ** Installment ( Auto Loan ) - **Account Status : ** Closed, Paid - **Date Opened : ** XX/XX/XXXX - **Last Reported : ** XX/XX/XXXX - **Balance : ** {$0.00} I have previously contacted you on multiple occasions to notify you of the inaccuracies in the reporting of this account, particularly regarding the information provided to XXXX regarding my joint account with my wife, XXXX XXXX. Despite my notifications, the inaccuracies persist. 

XXXX*Legal Basis for Dispute : ** Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and ( B ), you are required to report accurate information to consumer reporting agencies. Specifically : 1. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : ** A person shall not provide 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.

2. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : ** A person shall not provide information related to a consumer to any consumer reporting agency if the person has been notified by the consumer that the specific information is inaccurate, and the information is, in fact, inaccurate.

**Discrepancies in Reporting : ** 1. **Inaccurate Payment Status : ** The payment status has been inaccurately reported on multiple occasions, and despite the account being closed and paid off, the information is still being reported inaccurately.

2. **Joint Account Reporting Error : ** The account, which is jointly held with Anyeli Snchez , has been incorrectly reported under her name without acknowledging the correct joint account details.

3. **Incorrect Reporting Dates : ** The " Last Reported '' and " Date of Last Payment '' dates contain inconsistencies, which have not been corrected despite prior notifications.

Given the requirements set forth by the Fair Credit Reporting Act ( FCRA ) and your obligation to provide accurate information, I request that you immediately investigate these discrepancies and correct the information on my credit report. Failure to do so may result in further legal action to protect my rights as a consumer. 

Please provide me with a written statement confirming the results of your investigation and the actions taken to correct these inaccuracies. I expect these corrections to be reflected in my credit report within the next 30 days. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

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 SOC SEC XXXX XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit card

On XX/XX/2023 Chase closed my Sapphire Reserve Card without notice.

Upon me contacting them they stated that it was a bank policy issue. 

I have always been in good standing with the company and have never done anything negative towards my account. 

They even took away my ultimate reward points as well by stating I was in bad standing. 

I am asking for my account ultimate reward points to be given back to me because my account was closed on terms that is not aligned with me as a valuable customer.
Product: Checking or savings account

I deposited my refund check from the XXXX company. I had paid to transport XXXX vehicles to XXXX York XXXX york. About 30 minutes after depositing the check my account was restricted. 
I called the bank to Inquire why my account restricted. They told me it was because I had never deposited a check for XXXX well. The makes sense because I have barely opened the account less than a month ago. 
I told lady that I had the number for the transportation company she decided to go and look online for the number to which she found nothing I offered to give. It a number. 
She wanted nothing To Do with it. My check was put on hold for 6 days and it's now the 6 day and my money 's there in my account and still no access to it. I have lot of wealthy person I am able To make it because I'm XXXX And XXXX. My not being able to access my money is really putting a strain on me. 
I would just like to receive my money in a check or be able to transfer it out to another Account of mine and then close account. 
I want nothing To Do Capital One and the shady business Practices that they implement an impose on their customers.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being subjected to a 3 and a half month PNC PEL loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing PNC PEL so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to XXXX  after I disputed to XXXX  that I still owe PNC and that I have not paid them in full. and reporting that I still owe XXXX. I supplied TransUnion with a XXXX statement and they chose to ignore the amounts paid to PNC mortgage to pay them off and still reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were either fraudulently opened or impacted as a result of the breach. 
The following accounts have been affected : Account Information : XXXX  XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$270.00} XXXX  XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$170.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$220.00} XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$480.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$190.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$5500.00} UNAUTHORIZED COLLECTION Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX Account number : XXXX XXXX Date opened : XX/XX/XXXX, Amount : {$180.00}
Product: Credit reporting or other personal consumer reports

I reached out to key bank in regards to false reporting to the XXXX credit bureaus. I requested a dispute and they denied my request as if the reporting was accurate on my credit card utilization. I have proof of my minimal payment being paid on the due date and also paying additional money before statement date making my utilization below XXXX % which they reported. In key bank still refuses to correct the inaccuracy. Because of this my credit score decreased by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX XXXX XXXX XXXX XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX