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

On XX/XX/XXXX, I got a notice from XXXX, XXXX, and XXXX that LexisNexis reported and verified bankruptcy on my consumer report.

LEXISNEXIS you are in violation of the law. You are reporting a Bankruptcy on my Consumer Report that you claim to have verified and is Metro2 Compliant. Bankruptcy is considered public records because it can be accessed for a fee through a system called PACER. The thing about public records is that nobody reports them to Consumer Reporting Agencies. I have a written and Signed Letter from the court stating they do not furnish information to the Consumer Reporting Agencies. PACER is an electronic system the courts use to store information, but its not reported to the Consumer Reporting Agencies. So that leaves me, the Consumer, to believe you violated my right to privacy and, without written consent, furnished information about me which is a direct violation of the law.

15 USC 1681 ( a ) ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

PRIVACY ACT OF 1974 The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements.

PROHIBITS : formally forbid ( something ) by law, rule, or other authority.

15 USC 1681b - Permissible purposes of consumer report ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

LEXISNEXIS, you have completely and utterly broken the law and violated my personal right to privacy by furnishing information that is inaccurate and found to be untrue. This clear catastrophe has severely damaged my character, family, and ability to obtain personal and household credit.

LEXISNEXIS I demand that you remove this bankruptcy from my consumer report immediately, as you have no right to furnish such information. I also demand that you send disputes on my behalf to XXXX, XXXX, and XXXX, to which you sold this information too for profit. Failure to comply with my request will result in a lawsuit being filed against you for being in violation of Federal LAW!!!
Product: Mortgage

On the process of transferring this account, I asked you on where I should send my payment for XX/XX/2019 and you told me to wait until the process is done and now you are reporting me with 30 days late on XX/XX/2019. This is unacceptable! Also, This account is transferred/sold. There should be no late payments on this account. 
I believe that I had made my payments to you when I received my statements. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a credit card, After I was invited to initiate a consumer credit transaction from NAVY FEDERAL I was denied my open-ended credit. I sent a certified letter to the company that was signed and has a return date of XX/XX/2022 with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response.
Product: Credit card

I attempted to make a flight reservation between XXXX and XXXX departing XXXX/XXXX/XXXX, returning XXXX/XXXX/XXXX. I did this through XXXX, using my Bank of America Visa card. When I was emailed a copy of the reservation, I called the next day to report that the reservation was incorrect, in that it had us leaving and returning in the same day, XXXX/XXXX/XXXX. After several days, someone at XXXX called and told me that they do not make mistakes. I have a screen shot of my request to XXXX for the XXXX dates. They told me that to change the dates from XXXX to the original dates that there would be substantial change fees and higher priced tickets, if flights were available. We canceled the trip and disputed the charges ( to XXXX and XXXX, although I had contact only with XXXX. The airlines have disputed my claim, saying that the reservations were legitimate, and Bank of America is siding with them and saying I must pay the approximately {$1700.00} charge. Apparently, XXXX sits in the background. 

This charge, as well as the underlying reservations are incorrect. I asked XXXX yo correct the dates and their mistake and they would not do so. Bank of America is refusing to look into this any further. 

Can you help me? 

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

I have reached out to Comenity Capital Bank, XXXX, XXXX, and XXXX about fraudulent accounts that does not belong to me, I have contacted them multiple times. And they have yet to remove these items from my credit report. I have file a report with the police agency and FTC. All the accounts that needs to be removed are as follows COMENITY CAPITAL BANK/BIG LOTS CREDIT CARD XXXX XX/XX/XXXX {$1800.00}, COMENITY CAPITAL BANK/OVER XXXX XX/XX/XXXX {$860.00}, XXXX, XXXX XXXX XX/XX/XXXX {$290.00}, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any influence for a third party or agency.
Product: Debt collection

In XX/XX/XXXX, a debt was settled on my behalf by a debt settlement company to pay off a loan owed to XXXX  XXXX. All payments were made in accordance with the agreement as of XX/XX/XXXX. I recently received a notice by email from XXXX XXXX informing me that my debt was about to be sold. I was surprised as all payments had already been made to settle the account. 
On XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX confirming my account had been settled and sent copy of the payments made alongside the settlement agreement however, I did not receive a response. I received another email on XX/XX/XXXX informing me that my debt had been sold to a collection company. I have since been contacted by the collection company to pay the debt.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was use to get health care, utility services and credit account, I had listed the companies and contacted each creditor regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fare credit reporting act XXXX  account # XXXX, have violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian have said they conducted their investigation but unable to provide all the necessary information requested about their investigation. They continue to report false and erroneous information. They have also denied the fact that they have personal information which is not correct. They are harming me and my credit by not doing their propper investigation of such. I demand all those account be remove immidiatly if not able to provide anything in return.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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: Debt collection

Transworld systems inc a debt collector is reporting inaccurately a debt i am not contracted with on my XXXX credit report : XXXX show closed but is reported in collection. 
I have even sent letter certified mail with return receipt to XXXX and TSI to dispute the erroneous collection, they clearly do not do their part to protect and verify our information properly and violate my rights!

I have NOT given them written permission to put anything on my consumer report.

i never contracted with TSI, they haven't provided me with any proof of chain of assignment, chain of title, ANYTHING but a computer letter that I contested. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. 
It is unlawful for the advertisement of any debt specially when it is INNACURATE they need to stop harassing me by reporting false information on my credit report. They have caused me severe harm and Anxiety to me and my family!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX account number XXXX, Report # XXXX, this account was not late in XX/XX/2016.
Product: Mortgage

I have a mortgage account with Bank of America. I have had it for nine years and it had been working normally. I have never been late in paying and have a good credit rating.

Recently, Bank of America has done an upgrade to their software, and since then this account has become a nightmare. I made my usual  payment at the beginning of XXXX. I was told that no payments were being processed due to the upgrade. So I waited and made another payment after a week. Then the computer went rogue and started doing strange things. It is a long story, and I will give you the details if necessary. I tried everything to get this corrected. I have made calls, sent online messages, tried XXXX and XXXX, without any success. People have called me and made promises, but without any result. Now my mortgage balance has actually gone up, they have done things like payment reversal, depositing some money in my account, issued payment due notices. The most alarming thing is the increase in my mortgage balance. It leads me to believe that some criminal activity might be going on. I have tried to reach some responsible person in the bank without any success. They need to know about this computer malfunction or the criminal activity. 
My phone number XXXX XXXX XXXX XXXX XXXX Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have serval item on on my credit report that was fraudulent open and i did everything in my power to get these items removed and i been giving a hard time
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested to have my XXXX XXXX account balance ( {$2900.00} ) XXXX  out in reference to the document I submitted to XXXX and TransUnion credit agencies. Both agencies refused to make the corrections to my credit report. XXXX XXXXe and I no longer do business together ; balance shown on credit report was paid off XX/XX/year>. 

I am willing to submit the documents as needed.
Product: Bank account or service

Enclosed is a letter explainging dire urgency of issues. Around XXXX XXXX XXXX XXXX and myself were with USAA BANK and INSURANCE for CAR and RENTAL. 
XXXX been a member for over 20 years. We had noticed large amounts of money missing from our checking accounts. We made several calls to USAA bank about the issues. USAA BANK was of little help. 
In fact at one point they a USAA customer service person said that we should look at each other as the culprits. It was at that time, I decided to open up a seprete USAA checking account in my own name to monitor issues. And in next few weeks more and more money from accounts ended up missing. It was n't until around XXXX XXXX that we started get answers when a boyfriend of a friend came forward and told us that he knew his boyfriend had been using our information and cards and that he had several convictions against him for credit card fraud and being in caught possession with other peoples credit and or debit cards. The boyfriend of our friend who was doing this to us left a message for the boyfriend were he admitted using us and others and did n't care. He was also renting out his garage to well over 6 homeless or other people and taking their SSI checks. The person who had been stealing from us also had someone show up XXXX at our door which a neighbor saw this and called the police. As well he started many disturbances knowing that we were going to be filing a police report. The loss was greater than we could even imagine around end of XXXX it was around {$20000.00} plus. We also found out the person who had been getting into our accounts had an operation running credit cards from state to state. We knew very little if nothing about account tampering, credit card fraud or anything of the like, so XXXX XXXX called USAA to warn them of all that was going on and that the person doing this had got into our accounts and we were unclear of what they could do to any other accounts at USAA as we said we were just learning about dealing with this stuff. I was asleep when XXXX got USAA employee XXXX XXXX XXXX XXXX XXXX ) on phone. As he proceeded to tell her what was going on I could hear her shriek while waking me up and causing me to go into the other room, she said WHAT DO YOU WANT FROM US. Only she did not use those words. They were much more harsh. And proceeded to rant. It took quite a while for XXXX to explain our situation and that we were calling to let them know what was going on with our accounts and wanted warn them in case the person who done this could harm any other USAA customers with the information we had. After a while of going back and forth, she finally said for us to go to police station fill out a report and let them know what charges were not ours from checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Greetings, Copies of the note and the mortgage has not been given to me period. i have asked for the note and mortgage agreement from the beginning of time and i have not gotten it. 
XXXX had the loan who sold it to, XXXX  XXXX XXXX, then had Nationstar mortgage billing, after each bank has been asked for the note and mortgage. Over the course of the loan and communications to the companies payment has been paid in full as of XX/XX/2018 the bank has doctored information changed records committing fraud, theft of funds, and securities fraud. The C.e.o. has been notified and has failed to response. 
this has in-turn resulting breach of trust, breach of fiduciary relation in a private, priority, special, proprietary trust arrangement. The trustee is now in breach and has failed to close this account. The bank stating that checks was cashed was false per the report from there bank and the bounced check from XXXX XXXX XXXX. Transcripts from mr. cooper a.k.a nation star has changed records, falsely represented information, theft, and have committed several other violation United States Constitution and law.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I requested that XXXX, Transunion and XXXX to investigate and delete inaccurate information on my credit report as of today the investigation is not completed. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Transunion and XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit card

On XXXX XXXX XXXX my Bank of America ( BoA ) credit card was used for a fraudulent charge while I was purchasing gas in XXXX XXXX, XXXX. The fraudulent charge was for the amount of {$940.00} to the vendor " XXXX XXXX XXXX XXXX '' The charge was posted on my account on XX/XX/XXXX. On XXXX XXXX I contacted Bank of America fraud services to report the fraudulent charge and cancel the card. A temporary credit of {$940.00} was placed on the account. On XXXX XXXX I received notice that my claim was denied because " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I contacted BoA Fraud Services to provide more information about what had occurred and requested the claim be re-opened. On XX/XX/XXXX the claim was denied again. 
I called again and re-opened the claim. I asked the associate what information they had with me claim. I was told there was no information. No signature for the purchase, none of my previous statements. I re-opened the claim and gave a detailed description of what had occurred, as well as my research of this common scam in XXXX. 
My claim was denied again on XXXX XXXX. I called again and requested that my claim be elevated to management. On XXXX XXXX the claim was again denied, and no evidence was provided. 

Additionally, each time I opened/re-opened the claim, the associates told me not to pay the disputed charge. I was told that interest would not accrue on the disputed amount while the investigation was open. Despite these assurances, I was charged {$20.00} for interest on XX/XX/XXXX, despite having paid off the account minus the disputed amount.
Product: Credit card

Debit consolidation program tried to speak with them to pay the bill and they refused. Now they are calling me outside of regular business hours at inconvenient times to collect on payment from me.
Product: Checking or savings account

I have been incarcerated from XX/XX/XXXX until XX/XX/XXXX. 
During this time I was having funds deposited into my checking account from my unemployment qqed access to my account and transferred all of the funds from my account to theirs leaving a trail with their name and dates and time. 
The bank decided there was nothing wrong with what had occurred and decided not to give me back my money although my money is insured and that's why it is insured so that when somebody steals my identity and steals my money, I get it back. 
They did however refund me debits that were legitimately my doing totally {$100.00} out of {$5600.00} worth of money that was stolen. I just want what's right and that is for my money to be returned to me that is why I keep it in the bank, that is why it is insured, and it definitely should have come back to me. 
I have all of the documents proving that I was not knowledgeable to any of this and I have the proof of the person who took the money and transferred it to themselves all documented. 
I have attached copies of the transactions where XXXX XXXX XXXX transferred the money from my account to his account and things were bought online it's all there I have also attached a letter from the facility that I was housed at from XX/XX/XXXX until XX/XX/XXXX all the transactions happen within the time that I was XXXX. 
I, at no time, gave my permission to XXXX XXXX or anyone else, to transfer any funds from my account to his, nor did I give consent for him to purchase items and or services via the internet. He gained access to my account through personal paperwork I left at his home and via a computer that I was in the process of purchasing prior to my XXXX. I did not know that I was going to be arrested I would never have left sensitive documents on a computer that someone else could gain access to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputes this fraudulent account on my credit report and sent in my FTC Identity Theft Affidavit as well as a police report and this company failed to verify and remove this account from my credit reports. I want them to REMOVE these accounts immediately due to them not belonging to me. They can not show me a I.D . Or signature that belongs to me yet they are sending this back to the credit bureaus as verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX