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

I'm having an issue with LexisNexis constantly telling me lies, giving me the run around and keep reporting a bankruptcy that I did not provide permission to do so according to the FCRA.

Also under consumer law 15 U.S.C 1681 a1,2, and 3... .15 U.S.C 1681s-2. I called LexisNexis to dispute this issue several times,. On XX/XX/XXXX I sent out disputes concerning the bankruptcy to all 3 credit reporting agencies XXXX XXXX XXXX and LexisNexis along with the letter from XXXX  and my updated information. Almost 2 months pass I called back they said they closed the investigation but I never recieved any mail for it. I called on XX/XX/XXXX and they reopened the investigation so On XXXX XXXX XXXX a representative told me that that they do get there information from XXXX, even after I sent the actual letter I received from XXXX stating that they don't report to anyone. So I asked LexisNexis where are you getting your information from in order to legally report it. But they keep closing out my disputes. But never send me any notifications of the dispute results. I'm just fed up with this issue it's hending my credit and causing damages I keep getting denied for things due to them keep reporting it
Product: Student loan

I sent a request to Navient for a XXXX XXXX XXXX XXXX. I was sent back a denial because " Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' I have XXXX borrower defense applications with studentaid.gov that were approved. But I have yet to receive any relief because of the consolidation of my loans. 

I consolidated my loans because I could not afford the income driven repayments that were originally set by them. But because of that, I've been denied relief/discharge/refunds associated with both schools that I attended, XXXX XXXX and XXXX XXXX XXXX that have been a part of various court cases that resulted in all receiving full relief that I should be entitled to.
Product: Credit reporting or other personal consumer reports

My information has been exposed in serval data breaches i have not applied nor did i benefit from any of these inquires on my reports i ask that you remove these immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and Experian as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting - XXXX XXXX Ally  XXXX application reference XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX on my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX XXXX I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, XXXX XXXX XXXX XXXX
Product: Debt collection

I just find out that I have credit on my credit report that never ever have no business with those companies call XXXX  XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX the service was start from XX/XX/XXXX to XX/XX/XXXX they account number for XXXX XXXXXXXX is Account number : XXXX Account : XXXX. 
Please please help remove this company in my credit report and also the account number for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Public Records that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX NA - XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I didn't authorize and don't recognize. I called the reporting agencies who and they are saying I need to file a dispute with CFPB. I am doing so no XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised the bankruptcy is not accurate. said company had 4 days according to LAW to remove such items. 


Consumer is now requesting EQUIFAX to provide the documentation used to determine bankruptcy was indeed the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report. If EQUIFAX does not have documentation to show the facts of this bankruptcy it must be removed asap. 


SAID company is liable under the SEC to follow certain rules. EQUIFAX XXXX file number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I will be filing form XXXX treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX, XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX  Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX  Account Number XXXX Account Name DEPT OF EDUCATION/XXXX  Account Number XXXX Account Name DEPT OF EDUCATION/XXXX  Account Number XXXX Account Name DEPT OF EDUCATION/XXXX  Account Number XXXX Account Name DEPT OF EDUCATION/XXXX  Account Number XXXX Account Name DEPT OF EDUCATION/XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX bankruptcy XXXX Reference Number XXXX
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 violates the customer financial protection act ( CFPA ). Specifically Cash App failed taking timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.

Furthermore, there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions had caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card

Opened a credit line with bread financial who gets their funds through Comenity Bank in Ohio for their mysmile care credit card in XXXX of XXXX and was approved for {$1200.00} balance. Had work done XX/XX/XXXX and used {$1100.00} of the {$1200.00}. Made payments on the account of {$100.00} all the way up to XXXX of XXXX in which I made a final payment of {$560.00} which paid off the account to a balance of {$0.00}. Now in XX/XX/XXXX I get an email saying I owe {$1100.00} again??? I called Comenity to file a dispute and they even placed it on my credit report with XXXX with a balance that i owe of {$1100.00}. I refuse to pay this and I feel like if I dont itll go against me and my credit report as a consumer and thats not fair. Comenity is a big fraud and taking advantage of their customers. I refuse to pay another {$1100.00}! I already paid this account off!
Product: Student loan

I attended XXXX University for XX/XX/XXXX-XX/XX/XXXX, but was withdrawn due their changing the XXXX track for XXXX XXXX and a balance due of {$1100.00}. A loan of {$20000.00} was paid to XXXX, an interest check of {$20000.00} was paid to XXXX in XX/XX/XXXX by Navient. This was initially Sallie Mae. Since this time, the {$20000.00} loan has accrued interest totally {$250000.00} as of XX/XX/XXXX. The monthly payments average {$2500.00}. I can not pay this amount and should not be required to pay this high interest. Furthermore, I did not obtain a XXXX degree from XXXX. This high balance has affected by credit, getting employment, loans, and overall way of life. I have been unemployed for almost two years, but may be able to settle this account for a one time payment of {$2500.00}, with a  forgiven balance, with this high account be removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my recent CFBP complaint I made it very clear that Factual Data that is hired by NJHMFA New Jersey Housing and Mortgage Finance Agency, check my credit without the proper procedure according to the requirements of a government Housing program that stipulate in a clear set of guildlines that MUST be met before anyone in the community seeking housing assistance through the well known Home assistance program : The Hardest Hit Fund ... with Governmental policy underwriters making the language absolutely clear that every participant of the greatly needed help of : The Hardest Hit Fund is required to display essential documentation to qualify for such assistance, and if those requirements are not met, there should be no attempt to apply.

Therefore, as I stated in my last CFPB complaint that went unanswered or acknowledged by Factual Data or NJHMFA, who authorized the credit check of my report with out the proper documentation to complete the process to qualify if I never was able to display all required documentation as demanded from the government program, financial-current mortgage documentation- other borrower on the loan- not able to refinance and remove borrower off the loan- No signature from other borrower.

Etc.

According to policy and procedures no members of the NJHMFA is to alter or use there own discretion to decide policy if the stipulations is clearly written who qualifies and who disqualified.

My credit should not have been checked if I was strongly identified as a disqualified participant from the initial request of assistance.

Also Factual Date Stated in their previous CFPB statement that I was contacted an was aware of the attempt made by them disputing their client inquiry when the facts remain I was contacted that very day of their CFPB statement on XX/XX/2019 via phone for the first time of some sort of investigation into this matter that supposedly taken place.

I was never informed of this before hand and never received any results of this investigation via mail, or Email or via phone call.

This is a false statement from Factual Data and a attempt to avoid the facts that this inquiry was initiated at their clients direction without the proper documentation necessary to proceed.

The underwriters of this program left no room for a discretionary policy which means, No NJHMFA employee has the ability to dictate or alter the directives of the underwriters of this government program.
Product: Credit card

Hi This is XXXX XXXX I deposit my credit card payment by ATM machine. But ATM ate my money. 
I deposit {$2000.00} I got receipt for {$1400.00}. 
ATM ate {$600.00} and I go to the bank and ask to open ATM machine and refund my money the lady told me we are not allowed to open the machine. 
I call to the bank, they told me they have to investigate and I send them by mail and email my receipt. 
After 1 months they refused to refund my money. 
I call them many time and they dont resolve my problem. 
Here is the bank address and the time and date I deposit my money. 
Bank name is : Citi bank XXXX XXXX XXXX XXXX ca XXXX Date XXXX XX/XX/2024 At XXXX pm ATM ID number XXXX Please help me to get my money back. 
XXXX XXXX XXXX
Product: Credit card

I have had a Citibank XXXX Credit Card since XXXX or so. I have not used it much in the past few years, and recently saw I was paying an {XXXX} annual fee for it. This fee is not worth it to me, and it is the only transaction on my account in the past XXXX  months or longer. 

I called Citi asking to get this fee refunded and the account closed, and was told that I could transfer my card to a lessor credit card with no fee, and I could get the {XXXX} refunded. It was very hard to get a person on the phone took nearly XXXX minutes to do this. 

Well, i got the new card coming, but the agent who I spoke to never bothered to credit me the {XXXX} back and now I am locked out of my account, it is showing as past due and I cant sign back in since I am waiting on the new card. Overall it has been a horrible experience with Citibank and I just want the {XXXX} removed from my account before they send me to collections for a bogus charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} US DEPT ED XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX   XXXX {$320.00} XXXX XXXX  XXXX {$500.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$1100.00} XXXX   XXXX {$8200.00} XXXX  XXXX {$3300.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX-XXXX {$500.00} XXXX XXXX-XXXX  {$900.00} XXXX XXXX {$3700.00} XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$8100.00}
Product: Debt collection

I paid off 4 accounts in full on all 3 of my credit reports XXXX, XXXX and Experian and not only are all of them has been reported as paid in full on my credit reports by the companies, The credit report agencies dropped my credit score even lower than what they should be and I want to know why and want my credit reports at all three credit reporting agencies corrected and my credit score where it should be ... ( Going up ). Now if you can not rectify this situation, can you point me to who can correct this situation? Thank you!
Product: Credit reporting or other personal consumer reports

I made my payment before the due date and the company rejected it, I notified them about the problem with the payment and they would not remove the late fee or interest. I then received a letter in the mail stating that my payment was rejected by them and customer service still will not remove the fees. They reported me to the credit reporting agency 's and now my score is XXXX points lower.
Product: Debt collection

Every day for the past two months this company calls me at least six times a day day or night different numbers same company the amount overdue is {$60.00} Ive talk to these people Ive even told them to stop calling now I just block the numbers and dont answer nothing works they just called me from a new number
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 XXXX was beached and my identity used to ruin my financial security, sense of Safety along with all XXXX credit agencies, XXXX, XXXX and Expedian along with financial institutions XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Pay Credit and collections accounts l : pal, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a LawyeXXXX and will alert the media. Because of XXXX having the data breach my personal information back was used and my credit destroyed. XXXX ruined me life and continues to do so. who governs this?
Product: Credit card

In XX/XX/XXXX I took out a " Zero-percent balance transfer '' on my Bk of America credit card and they charged me 3 % " transfer fee '' on a balance transfer of {$21000.00} totally {$600.00}. 

The " zero percent contract '' on my BofA VISA ( XXXX ) was for XXXX interest until XXXX of XXXX, but BofA withdrew a payment for the entire {$21000.00} from my checking account at the end of month one, terminating my transfer. 

When I called to correct the action, I got NO help. Rather BofA started charging me {$330.00} interest starting in XXXX & continuing each month until I paid off the balance and canceled the card in XX/XX/XXXX while requesting remittance of wrongly billed interest. 

Balance of {$17000.00} was paid to B of A on XX/XX/XXXX & card was CANCELED. On XX/XX/XXXX I received a billing statement with {$58.00} due. I immediately called BofA protesting. 

After sitting on hold for some 20 minutes, I elected to contact CFPB. XXXX of BofA promised a Customer Service Officer would contact me in 2-3 days to resolve the issue and hopefully refund me approximately {$1000.00} of interest charged on my account.