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

Reinvestigate the Inaccurate account on my report. I am a federally protected consumer ..... 


Please remove all non mailable addresses. update to current address ( XXXX XXXX XXXX XXXX XXXX  ) Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As consumer reporting agencies, Transunion must adhere to these principles. As a consumer, I have the right to ensure my private information is not shared. This is further supported by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is defined as a financial institution under this title. According to 15 USC 1681, Section 604 ( a ) ( 2 ), " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution, Transunion, do not have my consent to furnish this information, and they certainly do not have my written consent. Any and all consent to Transunion, and the furnisher of information to credit agencieswhether verbal, non-verbal, written, implied, or otherwiseis revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission, which is against the law.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) states, " 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. '' Additionally, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. " Transunion are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 states, " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, XXXX has removed from the 3 credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my credit score dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all 3 credit reports and couldnt identify a real issue. I called XXXX to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like XXXX, abuse regular citizens and harm their lives!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for account payment history to verify these charge-offs and amount being reported. I have not received any verifying documents and I am now requesting the attached accounts be deleted immediately.
Product: Credit card

I attended a webinar by a company called XXXX XXXX XXXX where they sold a mentorship program to me which involved.I paid for mentorship on XX/XX/year> 1.Access to a lesson vault - Received 2 Daily live trading calls- Received 3Weekly privated coaching calls -Never received this service 4. Personal concierge/success coach -Never received this service 5. Special bonus class -Never received this service 6.Access to XXXX  -Received 7.Access to XXXX XXXX XXXX -Never received this service I paid for a life time access to XXXX and the XXXX channel and paid {$3000.00}. After I joined I was not getting the services requested .So I reached out.I was immediately kicked out of the XXXX platform for the lesson and XXXX 
I received an email to continue communication with a XXXX XXXX  rep and the rep refused to reply my emails.I later heard back from them offering to give me a discount for the services I did not recieve.I asked them for the refund amount and never heard back.I reached out to capital one with the necessary documents to clain my money. XXXX submitted a cancellation policy document of non refundable.I did ask capital one to request for proof that all these services have been provided to me. Capital one ruled in favor of the merchant without asking for further documentation of proof that all the services promised had been provided to me .The merchant has kicked me out of their platform and I do not have access to any of the services although I paid for lifetime access and these have not been delivered while my money has been taken
Product: Credit reporting or other personal consumer reports

I am writing to file an urgent complaint against LexisNexis for their refusal to correct inaccurate bankruptcy information on my credit report, despite substantial evidence demonstrating the error. 

Background : Bankruptcy Details : A bankruptcy was filed under my name but was dismissed on XX/XX/year>, and subsequently terminated on XX/XX/year>, due to my failure to submit required information. 

XXXXXXXX XXXX Response : Upon reviewing my dispute and the provided documentation, XXXX promptly removed the erroneous bankruptcy entry from my credit report. 

LexisNexis 's Response : In contrast, LexisNexis continues to report the bankruptcy, asserting its accuracy despite receiving the same documentation that led XXXX to correct their records. 

Documentation Provided to LexisNexis : Letter from Bankruptcy Court : Confirming that the court does not report information to credit reporting agencies. 

XXXX  Report : Indicating the bankruptcy was both dismissed and terminated due to incomplete information. 

TransUnion Confirmation : Verifying the removal of the bankruptcy from my credit report. 

Legal Framework : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., consumer reporting agencies are mandated to ensure the accuracy and completeness of the information they report. Specifically, the FCRA requires that inaccurate, incomplete, or unverifiable information must be corrected or deleted promptly. Failure to do so not only violates federal law but also causes significant harm to consumers. 
CONSUMER FINANCIAL PROTECTION BUREAU Request for Immediate Action : I urge the Consumer Financial Protection Bureau to : Investigate LexisNexis : Examine their failure to comply with FCRA requirements by not correcting the inaccurate bankruptcy information on my credit report. 

Enforce Compliance : Mandate that LexisNexis remove the erroneous bankruptcy entry to prevent further damage to my creditworthiness. 

Monitor Practices : Ensure that LexisNexis adopts procedures to prevent future occurrences of similar issues, safeguarding consumers ' rights to accurate credit reporting. 

Enclosed are copies of all relevant documentation for your review. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the integrity of consumer credit reporting. 

Sincerely, XXXX XXXX Enclosures : Letter from Bankruptcy XXXX XXXX Report XXXX XXXX LexisNexis 's Response
Product: Credit card

XXXX. ) They sent an email for a minimum balance due XXXX. ) I sent the minimum balance due XXXX. ) They charged me a fee of {$39.00} for debiting my account the entire balance and it not going through XXXX. ) I said I wanted to close the account unless they waived the fee. I said I also wanted a full refund of the recent {$250.00} Annual Membership Fee. 
XXXX. ) They said they would not waive the {$39.00} fee or the {$250.00} fee.
Product: Credit card or prepaid card

I received NETSPEND XXXX card as a gift card for the holidays for {$100.00}. When I tried to activate the card the system informed me that this is not a gift card and that it requires my social security number to proceed to access the funds on this card. This is fraud. Each transaction is charged {$1.00} and is advertised a gift card which is wrong because I should not be required to provide any social security number to use a gift card.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX 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.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, credit repair services, or other personal consumer reports

transubion removed most of what you went for except for hard inquirys from XXXXXXXX XXXX XXXX etc can you rey to get these ro thanks
Product: Mortgage

Since XXXX, I have been trying to modify this loan on my home which I built, have lived and worked in, since XXXX. I did, in another complaint against BofA, describe the trouble I experienced year after year with my modification applications for this negative arm Countrywide loan which has ballooned out of proportion in the process. 
I do not know when the Bank of XXXX acquired my loan as a " security ''. But I do know that their attitude towards my loan did not take into account any of the numerous mistakes made by BofA during the process, mistakes that caused me much grief and produced endless delays in the processing of my application, also causing this toxic Countrywide loan to balloon out of proportion very early on in the process.
Product: Credit reporting or other personal consumer reports

I will not accept your attempt to downplay my identity theft claim as a mistake or misrepresentation of essential information. WHO HAS GIVEN YOU THE AUTHORITY TO DECIDE WHAT CONSTITUTES A SIGNIFICANT FACT? YOU ARE NOT A JUDGE, A JURY ORIN ANY POSITION TO MAKE SUCH JUDGMENTS! Your right to do so is non-existent. My distress arises because I have fallen victim to identity theft, a criminal act that has caused me severe emotional and financial turmoil. However, the response from your bureau, or rather the lack thereof, has shown a shocking disregard for the urgency and seriousness of my situation. Let me be perfectly clear : I will not tolerate the indifference and apathy I have encountered so far. As an identity theft victim, I have suffered from unauthorized accounts and transactions that have tarnished my credit profile and jeopardized my financial stability. The consequences have been severe, impacting my ability to obtain loans, mortgages, and even job opportunities. My rights as a consumer must be upheld, and justice must prevail. PLEASE DELETE THESE ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}
Product: Debt collection

It is concerning to note that despite providing a cease and desist letter to Midland Credit Management in XXXX of XXXX, I have continued to receive multiple phone calls from them. This has become even more frequent since the start of XXXX, with numerous calls coming from different numbers, all of which can be traced back to Midland Credit Management. As a consumer, it is my right to request that all communication from a debt collection agency ceases, and it is disappointing that this request has not been honored by Midland Credit Management. I urge them to respect my wishes and comply with the cease and desist letter that was sent, as it is their legal obligation to do so. Persistent and unwanted phone calls can cause undue stress and disruption, and I expect a professional and ethical approach from Midland Credit Management in their debt collection practices.
Product: Credit reporting or other personal consumer reports

OnXXXX XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

This is a physician 's bill that resulted from a visit, for my daughter, to the emergency department. I provided insurance information to the hospital billing department for processing and assumed this bill had been taken care of. In XXXX, an account from Gold Key Credit Services appeared on my credit report and I immediately called the company to inquire about the debt. Gold Key stated that the original creditor was never provided with the insurance information for billing from the hospital and was never able to collect payment. I did provide Gold Key with the necessary insurance information via fax on XX/XX/2016 to fax number XXXX for the bill to be sent back to the original creditor and submitted to the insurance for payment. The insurance is Michigan XXXX therefore the bill will be paid at 100 % - It has been over 60 days and the account is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

Help me to protect my credit report information. I need to change new social security number
Product: Credit card

Hi, this is in regards to a XXXX credit card ending in ( # XXXX ) in the amount of {$28000.00} held by collection agency " D & A Service '' that has had no activity and or payment history in more than ( 6+ ) years making it time barred from persuing legal remedies to collect since the statue of limitations has expired. I would like you to contact " D & A Service '' to have them remove this negative and time barred debt from my XXXX, XXXX & XXXX credit report since all my efforts have been exhausted and or failed. In addition, if possible, have them write a letter on my behalf confirming this debt indeed has exceeded the ( 6+ years ) time to collect. 

COLLECTION AGENCY : D & A Service ( their account # XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, IL. XXXX : ( XXXX ) XXXX last XXXX digits of my social security if needed is ( # XXXX )
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX RE : Disputed Account # XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$960.00}. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, CAPITAL ONE has damaged my name, and my credit CAPITAL ONE has entered derogatory information into my credit file. I should not be responsible for CAPITAL ONE mistake. CAPITAL ONE has resource to enable accurate information about the clients inquiring new services. CAPITAL ONE allows an account to be placed under my name erroneously. CAPITAL ONE should verify all information prior to approving any application 's for services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt or late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, XXXX, I spoke to XXXX, Equifax rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy XXXX, she refused to correct the severe damages to my credit report that they caused.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, everything was fine with my XXXX XXXX, and I was making on-time payments. However, the account was closed for no reason, and I was never informed of any issues. Then, starting in XXXX, I began receiving late payment fees and emails about these fees. This was confusing, as I had been making timely payments before the account was closed, and I have no record of missing any payments. 

Under 15 USC 6802 ( Gramm-Leach-Bliley Act ), Im asking for a review of this issue because the information on my credit report doesnt accurately reflect my payment history or account status. According to 15 USC 1681b ( Fair Credit Reporting Act ), all information reported to the credit bureaus must be accurate, and I believe the late fees and account status need to be corrected. Additionally, under 18 USC 1028A ( Identity Theft ), Im concerned that there could be fraudulent activity or a mix-up with another account, especially since the account was closed without my consent and Ive never missed a payment.

Im requesting a full investigation and the removal of any incorrect late payments and fees from my credit report. Please correct the account information to reflect the accurate details.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamtion of character ). XXXXXXXX XXXX XXXX XXXXXXXX {$640.00}, XXXX XXXX XXXX Balance {$3800.00}, XXXX XXXX XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what it is and why its on my report. I want proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from these companies and I dont have any knowledge of them.