23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Attempted to close my account with Indigo and they claimed that the card was opened under a different social security number and refuse to close my account. All of the other information matches such as address, name, birthdate etc so they are still reporting to the credit bureau under the correct social but refuse to close my account after I have validated all of the previous information. I went back and validated that my original processing has the correct social so this has to be an error on their part. This error on their part is garnering them yearly fee 's and they are offering no reasonable resolution to the problem. I believe the account was opened in XXXX and I attempted to close the account on XX/XX/XXXX and was told I was unable to close the account. The card is an Indigo Platinum Mastercard through Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX Customer service number : XXXX.
Product: Debt collection

The company is openly pyramiding late fees. I am attaching a printout of their most recent email to me. I would have appended this to the Complaint I have already filed but was unable to do so.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. DELETE the accounts right away : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX, I hit a financial rough patch. A lot of this was due to unstable income due to XXXX XXXX  jobs I was performing. In XX/XX/XXXX, my car was repossessed. I quickly redeemed the repossession and had my car back within 72 hours. 

For 7 years, this haunted my credit report. In XX/XX/XXXX, I was giddy that the FCRA enabled this mishap to no longer limit my financial freedom. 

However, it required a complaint with the CFPB on XX/XX/XXXX to get the auto lender to respond on XX/XX/XXXX to me and the CFPB with : XXXX XXXX will honor ( my ) request to remove the redeemed repossession comment from his credit report. We asked XXXX XXXX to allow up to 30 days for the update to be reflected in his credit file. 

As of XX/XX/XXXX, this information was still present on at least one of my credit reports ( Equifax ). I have filed complaints with Equifax to no avail. 

The FCRA provides for this information to be removed from my credit reports. It has been removed from at least one and hopefully after this complaint from all 3.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My problem is with experian. The credit report rating is showing up as " very good '' while it should be " excellent '' like my husbands since we both have the exact same credit. I think your company is rating different for male vs female. I ask that you reconsider my credit score. It is way off!!!! I have no debt and I made very good income! Never late!
Product: Mortgage

On XXXX XXXX we submitted 2 home loan applications by telephone to a representative of Lending 3 Inc. One application for our primary residence which we own free and clear, to cash out {$120000.00} total loan amount. The second application submitted simultaneously for one of our investment properties to simply lower the rate and payment on a new 30 year fixed mortgage. 
We were advised that their policy was to not offer a rate lock until the loans were approved in their underwriting dpt. For this reason, we were anxious to move the process along and we submitted all of our income and asset information to the company before we even saw an estimate. After calling the company for over a week, it wasn't until XX/XX/XXXX that we received initial disclosures. We would have preferred to receive them by traditional hard-copy but they said they were delivered to our email to save time since we were rushing them for our loan paperwork. This should have been our first red flag as this is not how we have experienced the mortgage application process in previous dealings with national banks like XXXX XXXX, which where we have 3 of our mortgages. 
There are a few issues with this company. 
>Wanting to get our interest rate locked-in, we continued to call and follow up with no communication from them. 
>We found it confusing that when we finally heard from the processor in mid XXXX, she asked for XXXX 's pay stub, when we did not disclose employment income. ( He receives a payout from his employer that he retired from 2 years ago and he will continue to receive it through the end of 2020 ). We explained this from the beginning and submitted our applications without this income. We forwarded the pay stub anyway as requested, to not delay the process. 
>Finally, on XX/XX/XXXX, we received an email from the processor stating that our loans had been approved. Accompanying the email, she attached 2 loan estimates disclosing our interest rate was locked-in.

>The " conditions '' she listed included request for a recent pay stub and proof that it was going to continue for 3 years. I was beside myself and for the 2nd time told her that was not the case. She said that without that, we couldn't get the loans. We never received a formal loan commitment disclosure and only her emails.

>They would not work with us. They would not lower the loan amounts and they would not explain the details of the denial. She only insisted on proof of continuity for income that we never disclosed and we have proof that we never disclosed this as income  because our initial loan application doesn't list it. She said " she would let us know. '' >It wasn't until XX/XX/XXXX that this person communicated concrete denial. I asked her to send me formal denial letters because this entire ordeal just did not sit well with me. 
>After continuing to insist for the denial letters, I finally received on XX/XX/XXXX ... 2 months after submitting the applications.
Product: Debt collection

During my last weeks with XXXX, I made several attempts to make payment arrangements for the balance owed on my cellular phone bill. After having continuous phone service with them for 10 years, I was forced to port my phone number and take my business elsewhere due to their inability to work with my financial situation. I was unemployed but was starting a job in the next week ( XXXX XXXX, XXXX ) On the last day of my services I ported my number and transferred my business to XXXX XXXX. 
At the time of the change, I was leasing a phone ( XXXX XXXX ). So I expected there to be some additional fees but not the fees that they tacked on and keep adding to. My final bill was {$260.00} for usage, taxes and fees. There is also a Purchase Option Price for the phone of {$110.00} XXXX totally expected ). Then they added an additional fee of Lease Cancellation of {$590.00}, for a grand total of {$1000.00}. When I called after receiving this astronomical bill, the representative stated I 'd have to pay that fee whether I left or they disconnected my line. So I would not have had a choice. I am so furious with the way I was treated for years before finally getting mad enough to leave. And when I do I have to pay them for the privilege. 
This is wrong on so many levels. And to add insult to injury, They sent my account to collections before I even received a final bill. My last 2 payments with them were XXXX XXXX, XXXX for {$100.00} and XXXX XXXX, XXXX for {$45.00}. But they rushed and sent my account to collections without allowing me a chance to deal with the frivolous charges they added to the account. Also for a period of time after me leaving, they had reps calling me asking me to come back offering me all these discounts. But the fact that they have no one available in customer service to discuss your issues when you 're having the issues and their lack of care for my situation although I had been a loyal customer, no amount of money could get me to go back for more bad treatment. I did, however, ask about the final charges and was told it would be the payoff for the phone and my final bill. The lease cancellation was never mentioned. I also brought to their attention that upon getting the phone I was told I 'd be charged $ XXXX and they were charging me $ XXXX. That was one of the reasons I kept trying to call them. 
Please help me resolve this bill fairly. Thanks in advance.
Product: Credit reporting or other personal consumer reports

Under the XXXX XXXX ( XXXX ), specifically XXXX XXXX. XXXX, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, XXXX, and Equifax, XXXX allowed by law. 

In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. 

As a diligent consumer, I am concerned about the privacy and security of my personal information as your company is questionable as it pertains to the legality of the lending as there have been an abundance of fraud reports. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. The information has not been proven to be true, correct, or verified. 
XXXXXXXX XXXX  - Please verify that this is reporting correctly on my report. - I was never late on this at all XXXX XXXX  - Please verify that this is accurately reporting on my report. - I do not recall ever being late on this *15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. *
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**.  They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is XXXX repeatedly reported incorrect and conflicting information to all 3 credit reports. 
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in XXXX correcting the Monthly DUE DATE. XXXX reported to EQUIFAX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX. 
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite XXXX taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. XXXX 's sister company " XXXX XXXX ''  paid as well. They also posted payments to someone else 's account to add to mess so the $ 15,000+ remained on my report .XXXX reported and charged me after TITLE was sent to XXXX. 
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with the Consumer Financial Protection Bureau regarding LexisNexis about several inquiries and other items that were inaccurately reporting to my LexisNexis disclosure file without my knowledge and permission. After submitting the dispute to the Consumer Financial Protection Bureau, LexisNexis responded two weeks later through the Consumer Financial Protection Bureau on XX/XX/XXXX stating that they could not validate my identity. This would be incorrect and a complete lie because as of XX/XX/XXXX LexisNexis has received all validation of my identity via Post Office asking for a signature upon delivery with receipt regarding my dispute. Before submitting an online dispute with the Consumer Financial Protection Bureau, I physically mailed this same dispute on XX/XX/XXXX and on XX/XX/XXXX my dispute to LexisNexis with all documents was signed and delivered. Since this day on XX/XX/XXXX I have yet to hear a response through the mail or otherwise from LexisNexis about the dispute that was mailed to them via Post Office receipt with signature. This is a pure violation of the Fair Credit Reporting Act and I do intend to go down to court to file a lawsuit on XX/XX/XXXX to stop this from happening again. I don't care how much it cost to file a lawsuit or how long it will take, but I do know by going to court this will stop and I will be awarded financial damages for these violations that LexisNexis has committed. 

Avoiding my dispute and not responding to my dispute stops today. 
If the Consumer Financial Protection Bureau can not help me and see that LexisNexis is clearly violating my consumer rights then I have no other choice but to drag this into a court of law. 

Several violations have been committed on the part of LexisNexis. 

These violations are : not responding to the consumers dispute, re-inserting deleted information named ( XXXX XXXX ) back into my LexisNexis disclosure file with notifying me and several other inquiries that were done without my knowledge. 

As you can see on XX/XX/XXXX the item named XXXX XXXX that was disputed was removed from my LexisNexis disclosure file and on XX/XX/XXXX the following month this same item name XXXX XXXX was re-inserted back into my LexisNexis disclosure file without notifying me. The letter from LexisNexis dated on XX/XX/XXXX, clearly stated that the item was removed. 
Again no response from LexisNexis has been initiated since XX/XX/XXXX.
Product: Bank account or service

The M & T online banking website was updated around XXXX XXXX 2016. The new online banking software would not allow me to login because the website requested my location. I have used my same laptop to login to this website since I had these accounts for around a year and a half. I have used this laptop for all my banking and bill paying and still do. I currently use this lap top to login to XXXX other online banking accounts and they all work fine. I have only had a problem with M & T online banking website allows me to put in my ID and password then gives me an error saying that I need to turn on my location services on my lap top. Why does M & T online bank services need to know my location now? Does it matter? This is the reason that it gives, for me not being able to login and transfer my funds. M & T login banking did n't need my location for the last year and a half. Not being able to login for this reason has caused me to be charged horrific fee 's. I had money in another account that should have been used to cover the debits and checks that I usually debit every month. This bank continually charged my account multiple times for the same incident for insufficient funds when I had money in another account, that had not been transferred. XXXX XXXX 2016, my system of banking was upset by the new M & T online banking software failing to let me login because it did not know the location of my laptop, when in the past it did n't need to know the location of my laptop. I have been a excellent account holder, never any charges for insufficient funds or anything, never. I have excellent credit. I am an educated consumer whom follows the rules and avoids fees and charges by the bank on accounts. I really think the M & T updated website was designed to create this location error so that they can get rid of consumers whom they do n't make much money in service fees. I would like to present my laptop to your bureau to show how they used this deceptive practice to extort money out of smart consumers. I worked for 40 years in the technical industry. I build computers. Please allow me to show you my laptop.
Product: Debt collection

A voicemail was left on my phone that sounded like something illegal might have happened at an address I use to live at more than 3 years ago. Upon returning the phone call it was for furniture that was XXXX XXXX XXXX XXXX XXXX that I am refusing to pay. This voicemail was in fact deceptive and using misleading tactics to collect a debt which is considered a violation to the fair debt collection practices act and I will be filing a complaint with the consumer financial protective bureau and the attorney generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1900.00} on the XXXX STUDENT LOAN partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Bank Statement for verification of my identity so the bureaus will investigate my complaint. ) I had been diagnosed with a XXXX   XXXX and was not able to attend classes anymore. I spoke with the college administrators and explained my extenuating circumstances and provided all documentation needed to show that I no longer could attend the program I was enrolled in. I was not physically able to get to the school campus and/or classrooms. My request to drop the program and not be charged was granted and the school agreed that I would not owe for the remaining time. I was assured that this account would not go collections nor would it be reported as a collection on my credit report. Unfortunately, they did not hold up their end of our agreement. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX XXXXs Dear LVNV FUNDING, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Maryland state laws pertaining to identity theft and credit reporting. 

It has unequivocally come to my attention that LVNV FUNDING has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal lawXXXX XXXX XXXX XXXX particularly those addressing identity theft and fraud, emphasize the necessity of consumer consent for credit reporting. These laws establish clear guidelines for the fair reporting of consumer credit information and underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that LVNV FUNDING immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Maryland state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX XXXX This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that LVNV FUNDING will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS LISTED AS CLOSED ON MY TRANSUNION, EQUIFAX AND EXPERIAN. THERE ARE DISCREPANCIES OF LAST ACTIVITY : TRANSUNION SHOWS XX/XX/XXXX, XXXX XX/XX/XXXX, AND XXXX XX/XX/XXXX. PAYMENT DATES ARE NOT CORRECT WITH DISCREPANCIES BETWEEN BUREAUS AND THE ACCOUNT SHOWS A XXXX BALANCE. THIS ACCOUNT IS AFFECTING MY CREDIT WORTHINESS.