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

This is my fifth ( 5th ) attempt to obtain this document. Background : I was informed by a representative of the XXXX XXXX XXXX that LexisNexis is reporting inaccurate information about my driving history, suggesting that I was involved in an accident that never took place. I therefore requested a copy of my LexisNexis alleged driving history report directly from LexisNexis. I did this on two different occasions using their website XXXX  ( their preferred method of requesting these reports ). My first request was made on XX/XX/year>XXXX  ; my second request was made on XX/XX/year>. On both occasions, Lexis/Nexis refused to provide the report. Instead, they sent a denial letter. They did not give a clear and definite reason for making their refusal, other than that they claimed they were unable to " authenticate '' my identity. However, on both occasions, I entered all of the information that they requested, including my driver 's license number. I then contacted their customer service department to request the report verbally. Again, I provided all the information that was requested, including my driver 's license number. This was at the beginning of XXXX. The customer service representative insisted that all information looked correct and complete and that I would be receiving a hard copy report by mail within the federally mandated response time. At the conclusion of the call, I again asked the customer service rep to make sure that there were no potential problems with the request and was assured that I would be receiving a report. I have not received the aforementioned report, and in this last instance, I did not even receive a letter from Lexis/Nexis denying my request. Instead, they seem to have simply ignored my request. Most recently, on XX/XX/year>, I filed a complaint here with the CFPB ( XXXX ), again requesting the document. Once again, LexisNexis promised to comply and stated that they would provide the requested document ( see attached ). However, I have still not received it ( today is XX/XX/year> ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from CARVANA auto finance. That account is paid in full and suppose to be closed. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

1 5 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.
Product: Consumer Loan

I requested that Home Depot XXXX provide me with business records relating to my account. I requested the information XXXX XXXX, 2016 in writing. I contacted Home Depot on XXXX XXXX, 2016, to inquire about the documents that they had 30 days to submit. I spoke with XXXX XXXX and XXXX in the customer protection department, they XXXX stated that they do n't have to provide me with any forms of verification of the debt
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent accounts which are being posted to my reports. Here is the list of items per bureau which do not belong to me or were opened without my permission : -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

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

I permanently lifted my credit freeze with experian on XX/XX/2021. This was confirmed in writing by Experian, a notice which was mailed to me via US postal service. Yesterday, I was unable to lock in my my refinance rate because Experian re-froze my file. I never asked to put another freeze on my file. 

I mailed my request to Experian requesting Experien reinitiate my original request to unfreeze or life my freeze. I've tried calling and emailing, but there are no persons able to respond timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I switched my cellular carrier to XXXX. At that time, they created duplicate accounts due to their own system errors. I was unaware of this duplicate account until later. Several attempts to correct it were unsuccessful over many months and XXXX reported the account to the credit agencies. XXXX has since admitted their mistake and pledged ( via written letter to me ) on XX/XX/2021 that the account would be completely deleted from all credit agencies. In addition, I have submitted multiple disputes with the credit agencies. Those disputes were closed with the result saying that the account was verified to be accurate. As of today ( XX/XX/2021 ), XXXX and Experian both still show the mistaken account on my credit report.
Product: Debt collection

i have no idea about this account, i have been living in XXXX  for almost 4 years using XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have not had a account with XXXX XXXX for the date of XX/XX/year> for the amount of {$62.00}, i have disputed this several times, however it is still affecting my XXXX XXXX, and i am still getting harassing calls from several different numbers concerning this, I've asked them to stop calling me but they continue maybe XXXX times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Debt shouldn't have ever been legally sold to company to begin with, Debt was result of relationship using information // I did not consent to this account. 

I would like this immediately removed from my report ; or the ability to complete fraud investigations on this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower Loan accessed my credit file on XX/XX/2021. I do not recognize this credit file inquiry and did not authorize this access to my credit file. My credit file has an active fraud alert and is currently frozen. I have also unsubscribed and blocked access to my credit report for any pre-approved promotional offers.
Product: Credit card or prepaid card

The First National Bank of Omaha card agreement requires me and the bank to resolve all disputes through only the XXXX XXXX XXXX ( " XXXX '' ). 

A dispute arose between me and the bank. I filed a case with XXXX. 

XXXX sent me the attached letter, declining to administer the case because First National Bank of Omaha has a history of failing to pay XXXX. 

As of today, First National Bank of Omaha continues to list arbitration through XXXX in their card agreement. Clearly, they have no intention of arbitrating when a dispute arises.
Product: Mortgage

I am XXXX and my husband is XXXX.Shellpoint mortgage has been consistently trying to foreclose our property. I am retired due to medical issues, but Im also XXXX. I get XXXX XXXX  and I have my pension. My husband also gets XXXX XXXX. He is still working XXXX jobs because he had to pay for my medical care when I was at the facility due to my medical issues from a XXXX. That is why we fell behind on our mortgage. We are XXXX, we should not have to work this hard. Shellpoint mortgage upped our payment from XXXX to XXXX to keep our home. We can NOT afford this if we couldn't even afford our regular payment. My husband should not have to work two jobs to afford this property at his age. The purpose of a loan modification is to lower the payment and Shellpoint doubled ours.. Shellpoint mortgage is discriminating against us based on XXXX XXXXXXXX  and worth ethic that my husband is forced to endure to help me with my medical issues. How dare they think that we can afford this property having to work two jobs to do so. The only reason they " assisted '' us is because we previously filed a complaint against the institution and then they came back with aa doublepayment and on top of that no one bothered to notify us. If not for our 3rd party we would have never haveknow we were " approved '' for this sad attempt to assist us. We demand to proper review my file, proper mortgage payments, so we dont have to work so hard in our older years. This is XXXX  at its best and the way they continue to lose our documents and re-request things over and over is unacceptable. I had another XXXX when I saw how high they raised my mortgage payment to. We can not afford it and they think by just giving us the chance by doubling our mortgage payment is ok. It is not, I will be suing for emotional distress as being the number one cause of action in my lawsuit on top of the many others. Again I repeat that they are trying to foreclose to take our home from under us. My husband should NOT BE WORKING he is tired! We are both tired and if we pass due to the stress of this situation you will be facing an additional lawsuit by our children as our doctors are already aware of the situation and noted these furtherissues have been stress related.

They are also dual tracking. Per the CFPB they can not review our file and foreclose at the same time. They are discriminating against me due to my race, my age, my health, my national origin and ethnicity.
Product: Debt collection

I pulled my credit and found a {$3000.00} charge from my old College. I graduated in XXXX and have not returned. I immediately file a dispute with all 3 credit Bureau Agencies. I notified my college and they sent emails, school bill paid in full and they said it was fraud. The company is call Allied Collections Service XXXX. I spoke XXXX on XX/XX/XXXX at XXXX XXXX He asked that I send him all the documentation and he would send to the legal department to have it removed. Instead they reported the 3 credit bureaus the next day that it was mine. They told me to get an attorney to call them to get it off. This is illegal to put something on someone's credit knowing it is not there's. They told me they had the wrong person but refuse to take it off. I have all of my documentation but no one will remove this error. My next step is to the local FBI for fraud if this does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had an account with XXXX  I contacted them but they never remove it from my credit report. Im a sick man with XXXX and cant even go to the gym
Product: Credit card

Back on XX/XX/XXXX I purchased a ring in the XXXX. The merchant stated the ring was 14k solid gold ring natural diamonds. Once I got back from vacation, I got the ring appraised to get jewelry insurance. The appraisal report from XXXX stated the ring was gold plated and lab diamonds, the total worth was {$250.00}. That was around XX/XX/XXXX when I got the report, I then attempted to reach the merchant on the email provided on the business card ( XX/XX/XXXX ). The number on the merchant info from the credit card transaction, yielded no reply from the merchant. The first dispute was started back in XX/XX/XXXX but since then the credit card company keeps closing the dispute. Even when the substantial evidence and supporting documents showing otherwise. I have given them the XXXX report, pictures of the email attempting to reach the merchant and a picture of the gold color fading from the ring.
Product: Credit reporting or other personal consumer reports

EQUIFAX have my nonpublic personal information such as my social security number, account numbers, and credit history with my consent and authorization. I want to opt out of credit reporting of certain accounts with certain financial institutions. This is identity theft and credit reporting is optional. I have the right to privacy as stated in the Privacy Act the Fair Credit Reporting Act, and in the Supreme Court case Griswold v. Connecticut ( 1965 ). Additionally, these accounts have been reporting falsely as the balances are in a positive amount indicting credits that are owed to my principal. Also there is an unauthorized inquiry on my consumer report that I have no knowledge of.
Product: Credit card

To Whom it May Concern, I would like to file a complaint, because I noticed a discrepancy in my credit report. I noticed that there 's a credit card on there with a balance of {$840.00} with FNB of XXXX. Please help me resolve this problem as soon as possible. 
Thank You!
Product: Credit reporting or other personal consumer reports

EXPERIAN reporting on my consumer report a debt by XXXX XXXX XXXX as a NON-AFFILIATE THIRD PARTY : XXXX XXXXXXXX XXXX has not verified or properly validated an assignment of debt ( Actual Credit Card Agreement ), a contractual agreement naming XXXX XXXX XXXX and me as parties agreeing to a financial contract according to 15 US CODE 1692g Validation of Debts
Product: Debt collection

I am trying to make good on my payment with Universal Recovery XXXX, and I called them to pay the debt but I requested that I would like to make good on my debt IF, they would take my debt off, and clear my account so that it does not show up on my credit report anymore. Universal XXXX told me that they would not be willing to guarantee that. I asked them " why would anyone want to may the debt if it is not going to positively or accurately be displayed on their credit. Here I am trying to pay my debt. I also tried asking them if they would be able to mail me a letter stating that upon receipt of payment, we will take off the debt collection. They would not do that. What do I do?????
Product: Debt collection

I have checked all three of the credit reporting agencies and Diversified Adjustment has sent and alleged Debit to the agencies in the amount of {$590.00}. I did not receive any documentation advising me of the alleged debit. I also have a pending case regarding XXXX that I have filed with the CFPB that is still being reviewed. According to the CFPB my rights have been violated because I was not provided with a electronic of mailed validation letter.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from TransUnion to pull or review my consumer report. Additionally, I did not give TransUnion permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

I requested TransUnion remove the abovementioned inquiries multiple times, but they have not complied. It is their duty to accurately report information and as of now they are not doing that.
Product: Credit card or prepaid card

About XX/XX/XXXX, I entered an incorrect secondary payment account on my Citibank/Costco credit card. The payments of {$37.00} and {$100.00} ( estimated ) were rejected. I immediately corrected the account and resent the payments. They did go thru. Citibank charged me a fee for each rejection. I have paid this. On or about XX/XX/XXXX, they closed the account without telling me. I went to use the card and it was rejected by the retail location. I called immediately and was told, my card was closed and I would have to wait for a letter from Citibank in the mail- it would take XXXX to 10 days. I called multiple times anyway between XX/XX/XXXX and XX/XX/XXXX trying to reach a rational person. Customer Service, said the BACK Office closed the account, and they were the only ones who could re-open it. And I had to write a letter and mail it. 

On XX/XX/XXXX, i wrote a letter and mailed, as requested by the customer service. I received a reply on XX/XX/XXXX that stated they could not re-open my account, because I had not provided my income. This was the first time income had been mentioned as an issue. 

I had given my income to each representative I spoke with when asked ( $ XXXX ). So, I called on XX/XX/XXXX. After speaking with several Customer Service Agents for over XXXX hours, the last one said, that I could open a new account, but they would not re-open the existing XXXX. 

I asked if my {$440.00} that I had earned over the last months would be transferred to that new card, and she said no. Once a card is closed, all money is forfeited. All of this because I entered the wrong account number?? 

I told the Customer Service representative, that I would not re-apply to Citibank based on what had happen to my credit card that I had had for 8 years. This account was closed for no reason.
Product: Debt collection

Check n go sold my debt to XXXX XXXX. XXXX has subsequently called all of the references I gave XXXX and either left a message or talked to them regarding a " complaint filed against XXXX XXXX and we need to speak to her today ''. This is not professional and borders on illegal dissemination of personal information.
Product: Credit reporting 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.

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 informationisinaccurate.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX statements I paid amount due for both months on time. {$290.00} on a 2nd loan. 

Dovenmuehle Mortgage created an impound account for additional {$1500.00} per month for both unpaid property taxes for XXXX and collecting for upcoming property taxes for XXXX. 

I paid my property taxes for XXXX and do not owe any back property taxes. 

I never agreed to an impound account. 

Dovenmuehle Mortage never paid any amount on my property taxes yet they are still trying to collect for something they never made any payments on. 

My payments were made through my checking account and my bank sent them the money. They are " holding '' my funds and not applying them and now are sending me threatening letters of default. They are attempting to collect on impound funds.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was approved for a XXXX personal loan from Santander Bank ( loan # XXXX ). Since I didn't hear from anyone on XX/XX/XXXX I called the number on the initial correspondence XXXX XXXX  XXXX At that time i was advised that my loan processor was XXXX XXXX XXXX. After speaking with XXXX XXXX, he requested my drivers license and my passport which I scanned for him. After that date I didn't receive any return calls. On XX/XX/XXXX I again called and spoke with XXXX XXXX who stated that I would have to re-submit my credentials, which I did again. 
After receiving no call back on XX/XX/XXXX I called and spoke with XXXX who stated she will let XXXX XXXX know that I called. No call back. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX XXXX after I initiated the calls. 
On XX/XX/XXXX I spoke with XXXX XXXX stated XXXX XXXX was not available. 
On XXXX and XXXX I complained to XXXX about no calls from XXXX XXXX and they hung up the phone. 
On XX/XX/XXXX, I received an email that XXXX XXXX withdrew my loan application without consulting with me or explaining the reason. 
I then went to my local bank and was told that they can get me a loan at 11.74 % which is a payment of more than XXXX per month. 
BAIT AND SWITCH!!!!!