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

Lexis Nexis is reporting inaccurate information on my consumer report i have called them multiple times and disputed all of the names on my report as well as all of the in accurate addresses and phone numbers and lexis Nexis continues to switch who they are getting their information from first it was the post office now it is the XXXX after i told them the post office is not reporting my information at all neither is the XXXX but lexis Nexis continues to report the wrong information i only have XXXX name and XXXX address the addresses and other name listed are not accurate yet they continue to report it as such also i have not given my written permission for lexis Nexis to share my information with any third parties
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX XXXX COMENITYCAPITALBANK/MY P XXXX XXXX XXXX XXXX, OH XXXX Dear Cfbp , I am writing to request the removal of the following account / late payment from my credit report : Comenity capital bank Date opened : XX/XX/year> This accounts is reporting as A charge off however I have no knowledge of account and no purchases have been made. The valve on the card comes from fees only.. I would appreciate it if you could remove this from my credit report to ensure its accuracy. 

Please investigate this request and take the necessary steps to remove these accounts from my credit report. If additional information is needed, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was court ordered to have a wage garnishment in the amount of {$1600.00} for monies owed to an old apartment complex and it was to be paid through this US Collections West, with a court ordered interest rate of 4.25 % per annum. Per my employers payroll, I fulfilled this balance last paycheck and last week my manager received a phone call from XXXX XXXX who is handling my case at this agency and told her she was going to file an injunction against her and my employer as a whole for not sending them money. When my boss told her the balance was paid in full per payrolls records, XXXX continued to be rude and belittling to her, advising her there were still court fees and interest to be paid and that 's where the additional {$500.00} was coming from. When my manager asked her where she got that balance from because my interest accrued over 1 year would only be around {$75.00} and it had not even been a year since the judgment was entered, XXXX became even more rude and claimed they were charging interest monthly at 5.88 % on the balance owed. When my boss asked her to explain how this could be since the court order said it was interest accrued per annum, she had to hand the phone off to somebody else, a gentleman, who broke it all down for her. But it still did not add up. I have called the XXXX XXXX XXXX XXXX where my court case from last year was held, and they too are under the impression that my judgement would be met if I had paid the {$1600.00}. The collection agency should NOT have a different interest rate than the court document, and part of the {$500.00} balance included court fees ( per XXXX ) which the court stated I paid as part of my original balance. I have all the documentation of the fees, what was ordered to be paid and what was paid. What was included in the balance, etc. XXXX XXXX is RUDE, BELITTLING, and made me feel like a was the lowest piece of scum on the planet. I want to do whats right, but do not believe I owe them an additional $ XXXX I have all my court documents and proof that the court fees they are trying to charge me again were also included in the original balance as well.
Product: Credit reporting or other personal consumer reports

I was shocked to find unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I always check my credit report, and today I noticed these strange discrepancies that just appeared. I even tried refreshing my browser to see if it was a glitch, but the inquiries remained. Please review the documents Ive provided immediately so I wont have to deal with this again.
Product: Credit card or prepaid card

I got a Care Credit card becuase I had to have emergency XXXX  work. A XXXX XXXX, and it went into the XXXX. I had to had a lot of work done. I didn't have a choice. So I got the Care Credit to pay for it. I have been paying on this bill every single moth, sometimes twice a month, and I can never get it paid off. The interest rate has made my total charges almost double what they were to start with. Yes, I did try to call and talk to someone. After being on hold forever, I finally got to speak to someone that didn't speak English very well.I was literally crying. I had no idea what he was saying. So then what do I do? I wrote them a letter and asked about my interest rate. Now I have paid the card late as of today. Here 's the thing : my bill arrived on XX/XX/XXXX. I got it in the mail today ( XX/XX/XXXX ). It arrived on the XXXX, but it was due by the XXXX. How can they send the bill AFTER the due date and charge you late fee, after late fee, after late fee? I truly believe they do this on purpose-send the bill so that it will arrive late and then charge you late fees. I am so disgusted and frustrated. The late fees for this month are {$79.00}. {$79.00} late fee for one month ( late by like 3 days ), when the bill didn't even arrive until after the due date? This company is unethical and deceptive. I'm a single mother with NO child support. I had a medical emergency that was beyond my control. I don't even know what to do.
Product: Debt collection

COMMONWEALTH FINANCIAL Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$2700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor again to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

i am a victim of identity theft, please review my documents
Product: Credit card

Purchased an item on XXXX. Seller committed mail fraud and did not send the item. It shows as delivered but it was fraud. Uploaded evidence and a letter from USPS stating it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have various charges to my credit report that are not mine. I never opened these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and negative information appearing on my credit report. I recently reviewed my credit report from and discovered errors that are adversely affecting my credit standing. I believe these inaccuracies stem from a credit data breach in which I was a victim, resulting in unauthorized accounts and fraudulent activity being reported under my name. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these errors. 

The disputed items are as follows : 1. Creditor Name : Attached Account Number : Attached Error Description : identity theft-related errors 2. Creditor Name : Attached Account Number : Attached Error Description : identity theft-related errors 3. Attached, identify theft related errors As a victim of a data breach, my personal information was compromised, leading to unauthorized use of my credit. I have taken steps to report this fraud, including filing a report with [ Name of Agency, e.g., Federal Trade Commission ( FTC ), Identity Theft Resource Center, local law enforcement ], and I have attached a copy of the report for your reference. Additionally, I have included supporting documentation such as my credit report highlighting the errors, relevant correspondence, and any fraud alerts placed on my credit file. 

I request that the CFPB conduct a thorough investigation and take the necessary action to correct or remove these inaccurate items from my credit report. Please provide me with a written confirmation once the dispute is resolved.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and finnacial loss and i seek appropriate redress for these violations
Product: Credit card

My credit card was stolen when there was a break-in in my apartment in XXXX XXXX XXXX NV on XX/XX/2023. The credit card was issued in the XXXX. It is a CITIBANK VISA credit card under Citibank N.A. bank. I already filed a case with the police and a detective is already investigating it. I contacted the credit card company on XX/XX/XXXX past XXXX XXXX, US time ( XX/XX/XXXX past XXXX XXXX, Philippine time ) to report the stolen credit card and there were already about 15 pending charges on my credit card. I received an email on XX/XX/2023 from the Citibank Fraud department in the XXXX saying that I am liable for the charges and that they won't be able to reverse the charges.They did not say in the letter what investigation they did. They just said, " We regret to inform you that since the following transaction/s occurred before the loss of the card was reported on XX/XX/203 at XXXX XXXX, we are unable to reverse the following transaction/s posted on your Citibank XXXX XXXX card in the total amount of XXXX XXXX. '' No investigation was done I believe based on their statement. They did not even say that they contacted the merchants to resolve the issue. There was no receipt/transaction or any document requested from the merchant. I called XXXX XXXX since the Citibank credit card that I have is a Visa card and the supervisor of XXXX XXXX did find in their system my Citibank Credit card account that was issued in the XXXX. I asked her about the XXXX XXXX XXXX XXXX that can be seen at XXXX XXXX XXXX She said that the issuer will be the one to explain it because it differs on each credit card issuer which I didn't get because it did not state that on their website that it would depend on the issuer of the credit card. XXXX Zero Liability is their regulation so it should be honored by all credit card issuer but apparently based on the supervisor 's statement, it sounded that the policy depended on the credit card issuer but why was that policy in their main website.
Product: Debt collection

Paid bill from flexible spending account last year approx XXXX. Received notice from Scheer, Green & Burke, co L.P.A on XX/XX/XXXX That it is now in collections. My flexible spending company " XXXX XXXX '' deleted my account when my files were being transferred to a new insurance. XXXX XXXX is investigating and the new company " XXXX XXXX '' is investigating as well. I've called the law office 3 different times and left messages. No call back. I talked to the receptionist on the 4th attempt.  They had me hold for my case representative but said they were busy. They asked if I was ready to pay. I told them the bill was paid. He laughed at me and then said there wasn't a case representative and did not allow me to speak with anyone else. I told them I was attempting to get proof of payment. As the letter they sent states, they haven't confirmed this amount is actually owed. The receptionist became very aggressive and I let him speak. I asked that he not hang up on me because he was getting upset. He said " XXXX, no one said anything about hanging up on you ok. " They would not let me speak and would only let me setup a payment plan. I asked how long I had to gather documentation of payment and asked what would happen next. The male receptionist said " Well 'honey ' you're gon na have to pay it. '' I asked to hold for my account representative and then he hung up on me. There's been no answer or return calls since then. 
When calling the actual company who says I owe ( XXXX XXXX XXXX XXXX XXXX ) it goes to a pathology department at a hospital and no one knows who this person is. The date of service for this bill is XX/XX/XXXX.  I had no medical procedures done on our around this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act, I assert that the list of accounts mentioned below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681. 

1. Account name : Bankruptcy # XXXX XXXX. Account name : XXXX XXXX # XXXX 3. Equifax Mortgage Services In line with the Engelhardt v. Gravens ( Mo ) 281 SW 715,719 case and the doctrine of estoppel by silence, it can be reasonably deduced that the lack of evidence presented by me suggests the absence of the alleged debt. 

According to the US Bankruptcy Court, it has been established that they do not report or furnish information to credit bureaus or agencies. 

I kindly request Equifax to remove the XXXX XXXX account from my credit report due to its inaccuracy. Despite multiple attempts on my part to have this account removed, it has been consistently denied, even though other agencies have acknowledged its invalidity or inaccuracy. It is crucial that Equifax takes immediate action to rectify this discrepancy. 

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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report.If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawXXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

someone stole my information and made and withdraw money from the account company thats reporting information is XXXX FIFTH THIRD BANK FOR AN OVERDRAFT OF OF {$7400.00} CLOSURE DATE - XX/XX/2021
Product: Mortgage

3 years ago I was unemployed and could n't continue paying my mortgage. I asked the bank for assistance at the time it was Green Tree. They approved me for a loan modification in XXXX 2015. I gave my bank information for all three trial period payments to be automatically withdrawn. I was told to call back XX/XX/2015 if I had n't received the final loan modification agreement. I called and instead of a final loan modification agreement I was notified that they had n't processed any of the payments and my case had been closed. They did internal investigation and determined it had been a mistake on their side and told me to submit the application again. The bank then became Ditech and everything was a disaster after that. I got a letter dated XXXX XXXX, 2015 stating they had a complete package and the file was under review awaiting a decision. 2 weeks later I called to find out why it was taking so long to make a decision, to my horror I was told that my property had been sold on XXXX XXXX, 2015 and that for that reason they had to close the loan modification case. I was NEVER notified of any foreclosure proceedings and EVEN LESS of any sale date. I have called so many times and keep being transferred from department to department and no one can explain how the property was sold without them knowing or notifying me. On XXXX XXXX I called again and was told from now on I need to contact Fannie Mae instead. I did and was told they will start an investigation but representative basically told me to just ask the listing agent they have assigned to my property to beg her for cash for keys. I do n't want to do that. I have been trying for years to reach an agreement with the bank so I can bring my loan up to date and keep being denied even though I know for a fact I qualify for a loan modification. Please help me. I do n't know what else to do. They just refuse to help me and XXXX knows I did not default on my loan because of negligence on my part. I am a father and my children will be homeless in this cold winter if they refuse to help.
Product: Credit reporting or other personal consumer reports

I would like to report inaccurate findings by LexisNexis and XXXX XXXX XXXX. XXXX XXXX XXXX has XXXX errors that were reported to LexisNexis. 
XXXX. An accident occurred on XX/XX/year>, my son was driving the vehicle. XXXX listed the accident occurring on XX/XX/year>. The accident report was sent to XXXX showing the correct date. The letter of experience ( XXXX ) XXXX emailed me shows the date XX/XX/year> is still on the XXXX. 
XXXX. My son was driving the vehicle. XXXX entered the information into a database that shows up on my driving record and history holding me responsible even though I was not driving. My wife is also listed on the policy but my wife is not being held liable nor is it affecting her commercial insurance. I am not sure if XXXX is retailing against me because I cancelled my auto policy with them. 
I recently obtained commercial insurance and these XXXX errors from XXXX and LexisNexis are affecting my livelihood. I am unable to afford my commercial insurance due to the errors that have been made, my monthly payments have doubled. I contacted my commercial insurance and was told until XXXX corrects the errors I will have to pay the increased rate. I have been under stress trying to get these errors corrected.I am currently taking care of my wife that suffers from XXXX from the military, so I am the breadwinner for my family. 
I constantly get transferred from person to person at XXXX. I leave voicemails with XXXX XXXX. She's the claim XXXX with XXXX. She has not helped me to resolve the issue in trying to fix the errors. I called LexisNexis and filed a dispute with them. LexisNexis claims they have to wait to hear from XXXX and LexisNexis says they have been unsuccessful in getting in contact with XXXX. 
I need help on what I should do next in trying to get these errors fixed.
Product: Mortgage

i have already file a complaint with cfpb but Bank of America the person handling the complaint her name is XXXX please stop giving me the run around when i spoke to you the other day you only answer to one question of why my payments went up {$800.00}? the problem happen 2years before that when Countrywide Mortgage without telling my family or sending a letter that this was going to happen. when the question was asked they gave me the run around.never gotten the truth.So answer this question XXXX XXXX if Countrywide Mortgage had me paying wrongful fees paying for repayment plan of added fees knowing that they were being indicted for Mortgage Fraud and making me pay for a program that knowing wasnt going to help my family why did they this? tell me that XXXX XXXX and if Bank of America brought Countrywide they brought all of there wrong doing it seem that all the rich investers got paided but my family the poor didnt get compensated check out the cashiers we sent to Countrywide that we were paying to them am tired of this am total disable now an yes Countrywide am so XXXX and XXXX due to this talk to as if i was part of your family you have know ideal what ive been through XXXX XXXX.All i want is all the wrongful fees late charge the judgment repossession. This was wrong.AND XXXX XXXX there is one more thing on XXXX/XXXX/2009 Bank of America after Countrywide did all there wrongful doings i called Bank of America and this was there offer please investigate this is the LOCK-IN AGREEMENT that you offer my family. This is the Loan # XXXX that Bank of America gave us. OK we thought this would help but no XXXX/XXXX/2009 Bank of Amertica after me calling them they sent my family a letter saying they were unable to approve my request this knock me too the floor. am tired of writing Please talk to your C.E.O.XXXX