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

LexisNexis Risk Solutions is inaccurately reporting a Not at Fault Accident for XX/XX/2021 and this is negatively impacting my insurance premiums. 

I sent in a utility bill to authenticate via a link provided as requested by LexisNexis Risk Solutions. However, it continued to claim that I did not authenticate. 

The issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a oral agreement nor a contract with Prof Debt, this account is a charge off, the orginal creditor should no longer be reporting a balance on my credit report. Both the original creditor XXXX XXXX and debt collector Prof Debt are showing a balance and that is considered inaccurate reporting and a violation of my consumer rights. I have disputed this accounts multiple times with both XXXX and XXXX due to many inaccuracies and all they did was update the violations and claimed that this account was verified without proof.
Product: Bank account or service

I have a balance XXXX for BB & T Bank for {$580.00} but the balance was paid last year out of my tax return
Product: Checking or savings account

Chase Bank is trying to take my money from the SBA loan I was approved for. The blocked my accounts and would not return the money to me or to them and I have to pay that money back to the SBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to open up a checking and savings account with XXXX XXXX XXXX XXXX, but XXXX XXXX XXXX XXXX was unable to open an account for me due to running a report with Chex Systems which my Chex Systems report indicated an unpaid closure of a checking account with XXXX XXXX XXXX  for {$900.00} and NSF activity. Chex Systems previously deleted the account from XXXX XXXXXXXX XXXX from my consumer report ID : XXXX, but the fraudulent checking account from XXXX XXXX XXXX for NSF activity of {$900.00} has reappeared on my Chex Systems Consumer Report because I am not able to open up a checking account with XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I have a current police report on file with Chex Systems for being a victim of identity theft and for fraudulent checking accounts and credit inquiries appearing on my Chex Systems Consumer Report ID : XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Debt collection

I received a letter today threating to report to my credit. I am a victim of fraud I also have no account nor Contract with XXXX XXXX XXXX or their client XXXX XXXX. Therefore reporting to my credit wouldn't be accurate since this isn't my debt. I do not owe this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 asked all of these companies to mail me a copy of the XXXX that each company got a tax right off and not one company sent me a response or a copy of the XXXX. I can't get this copy from any of the Companies I have to contact the IRS for a copy. All of these companies should please send my XXXX as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " XXXX  XXXX XXXX '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when XXXX was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover. 

This false information has impacted my financial livelihood and is making very difficult to deal with - please help.
Product: Credit reporting or other personal consumer reports

i have sent letters out to transunion, XXXX, and XXXX about inaccurate information reporting on my credit report.15 USC 1681eb and 15 USC 1681i5 and request deletion of the items off my credit report. I also attach a copy of my letters below for your reference.
Product: Credit card or prepaid card

XX/XX/XXXX - {$1400.00} purchase with XXXX XXXX XXXX on CitiBank Credit Card. The cruise was cancelled by XXXX XXXX because of HURRICANE IRMA. A Future Cruise Credit was provided per company policy. A new cruise was selected for XX/XX/XXXX. 

XX/XX/XXXX - The scheduled cruise was cancelled for COVID-19. 

XX/XX/XXXX - XXXX XXXX sends an email allowing Future Cruise Credits OR FULL REFUND promised to be delivered on XX/XX/XXXX. The application for a FULL REFUND was submitted the same day on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX does not issue the refund. A dispute is filed with CitiBank to get a refund for the XX/XX/XXXX ticket. 

XX/XX/XXXX - CitiBank rejects the dispute and charges the account for ANOTHER {$1400.00} instead of providing the return. There is now a total of {$2800.00}.
Product: Debt collection

I received notice that the amount originally reported by Cavalry Portfolio Services ( a debt collector ) for a debt that was closed by the original creditor in XXXX, has now increased. The balance on the account was originally {$1800.00}. It now shows a balance of {$1800.00}. 

The violation at this point is : this matter has already moved through a court and received a judgement ruling for the {$1800.00}. The court ordered amount has paid in full and including all court costs as of XX/XX/XXXX. 

I submitted a letter to their attorney requesting that they cease further reporting when I first noticed that they were changing the amount reported to my credit reports. Since then, the amount has continued to increase. 

This is not a credit account but a collection account that was purchased for value which has been adjudicated and completely paid for more than 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Open XX/XX/XXXX Status updated XX/XX/XXXX Balance {$250000.00} XXXX XXXX XXXX Has committed Securities Fraud and Identity Fraud. I have never consented to there mortgage. XXXX XXXX XXXX have taken my identity and take out Securities out in my name without my consent That is Securities FRAUD and Identity FRAUD.
Product: Credit reporting or other personal consumer reports

Three years ago, I joined the group to try to get student loan forgiveness. I was told not to make any payments as the loan would be forgiven since I had attended XXXX XXXX XXXX. This year my loans were bought by XXXX to continue the process of loan forgiveness. XXXX suddenly started reported my account as delinquent, even though I had been told not to pay AND they no longer had the loan. XXXX says there is nothing they can do, and XXXX says the loans will be forgiven, it just takes time. The inaccurate reporting on my credit is causing problems and I just want it resolved and removed in a timely manner.
Product: Debt collection

In XXXX I began to notice multiple accounts being opened up on my Credit report even though I was not applying for any credit and owned nothing. I assumed this was due to Identity Theft and began reporting the accounts one by one to the credit bureaus. Wrong information included names, past addresses, phone numbers, and of course a multitude of credit cards. Fast forward to XXXX - I had removed most of these false accounts and learned how to properly lock my accounts setting up security 's for all bureaus. Two accounts still managed to stay on my report including a XXXX credit card ( Owing {$800.00} ), and a XXXX XXXX XXXX XXXX XXXX card ( {$6000.00} ). Both have now been sent to Collections. I've spoken to XXXX XXXX since this account opened in XXXX and reported this issue to them. The representative confirmed they had no open accounts matching my social security number - So why was it on there? Information I was able to provide to the representative pulled up no active or closed accounts. At this time I would not have been approved anyways as my credit was in the 500 's. I did not even qualify for an entertainment center. Recently I've found it this account has now been sold to Midland Credit Management XXXX XXXX  debt collector. Not only did XXXX XXXX not remove this account after confirming I did not own it, but they sold the debt so I now have to deal with communication through a debt collector who was unprofessional and interruptive claiming I was lying. Both XXXX XXXX and this MCM have been spoken to and I am again waiting to hear what they determine. After reporting this to Social Security, All credit bureaus, XXXX XXXX  XXXX, and both debt collectors, I genuinely feel like none are serious about assisting me in these matters. I was again directed to a third party, this website, by the social security office even though I explained my information is being mixed up with someone else. At this point I am just going through all the steps given and continuing to be honest and report these 2 accounts that are not mine. That is all I can do. Hopefully by the time I am in my 40 's this will have some resolve since the work I've done over the last XXXX has not meant anything. Currently XXXX still unable to purchase anything on my own and being given the run around by all places claiming to help.
Product: Credit card

I purchased XXXX items And set up payment with my XXXX XXXXXXXX credit card not realizing that they applied my Amazon credit card to the account unknown to me however, I was billed for XXXX items That I purchased thinking that my credit card payment was coming out of my XXXX XXXXXXXX credit card. I received a text notice that I needed to pay the bill bill so I went to the Amazon account and it showed XXXX balance due. Therefore, to me, the text message was a scam, not realizing that I was going to get a text message instead of a statement. Im still not understanding how the payment structure is not showing on the Amazon account.
Product: Checking or savings account

Hello, On XX/XX/2020 and my XX/XX/2020, my bank account was my Chase Bank checking account was withdrawn for the amount of {$1800.00}. 
XXXX by my mortgage company XXXX XXXX XXXX. 
When I contacted the mortgage company, they said that they were only able to refund a single payment for {$1800.00} because they only received one payment. The mortgage company has said that Chase bank stopped payment on the other, so it never showed in the mortgage system and thus doesn't exist. 
At this point I called my bank to report and resolve the error. Chase representative was quick to issue a credit. However, once a review was done on the account Chase saw one credit for {$1800.00} and reversed their initial credit from my account. So at this point I am back to having two debits for {$1800.00} and a single credit from the mortgage company for {$1800.00}. 

XXXX XXXX XXXX remains to state they only received a single credit, which they refunded, so a payment for XXXX was still due and I had to send them another payment to remain current for the correct mortgage amount of {$1700.00}. Chase Bank on their side informed me they filled the initial dispute incorrectly and was going to resubmit for the credit to be placed back to my account. 

Now, over a month later ( XXXX XXXX, 2020 ), Chase informed me that they are not going to help or correct their error and they consider that the matter is resolved. Meanwhile, I and missing a total of {$1800.00} that no one is willing or trying to locate. Its vital for my livelihood and my young family that this matter is taken seriously and resolve with locating my funds and adding them back into my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX XXXX XXXX XXXX XXXXXXXX ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These fraudulent items have caused numerous hard inquiries and collections activity to appear on my consumer credit report, all of which I dispute. I have attached copies of the relevant documentation, including the FTC Identity Theft Criminal Complaint # ( private case number ), as proof that these items are fraudulent.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report after requesting a reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. The Variance in reported balances, Date Opened, Account rating and Late Payment Date across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) This account was Paid and closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid, Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a XXXX copy of my credit report mailed to my home address. XXXX report : XXXX XXXX XXXX  - Account # XXXX X, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$XXXX}, Last Payment : XX/XX/XXXX, Credit Limit XXXX {$XXXX}, Account rating : Paid XXXX report : XXXX XXXX XXXX  - Account # XXXX XXXX, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$XXXXXXXX, Last Payment : XX/XX/XXXX, Credit Limit : {$XXXX} XXXX Account rating : Closed XXXX report : XXXX XXXX XXXX - Account # XXXX X, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$XXXX}, Last Payment : XX/XX/XXXX, Credit Limit : {$XXXX}, Account XXXX : Paid
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had an apartment lease in XXXX, Delaware. I broke the lease and was told it would be a 1 month penalty. I gave them my new address in Texas and asked to forward me an invoice for payment. I never received an invoice so payment was not made. Finally about 2 years later, I get bill for nearly {$2900.00} from a collection agency. Well, now at this point, the debt is over 7 years old from when the lease was signed and it should no longer be on my credit report. They keep verifying it as accurate, however it is older than 7 years and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested Transunion send me copies of the original documents I signed with XXXX XXXX XXXX and XXXX XXXX. Under section 609 of the Fair Credit Reporting Act, I am to receive these items within 30 days or any disputed items is considered UNVERIFIED and must be deleted.

Transunion has never sent me any documents from any requests I have asked for. According to the FCRA, Transunion must have copies of all original documents in their files. At a consumer 's request, copies should be sent to the consumer within 30 days.

At this point Transunion has violated the FCRA and has not verified the above accounts and they should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 I was alerted to a security breach within the credit reporting agency Equifax, I immediately went to their site to see if my personal data was impacted by the breach and was confirmed that it was. Per news reports, this breach was known about internally at Equifax for up to 6 weeks before they alerted the public to the massive breach of security. Equifax has " offered '' to have me sign up for their credit monitoring service, which is only free on a temporary basis -- despite the fact that this data breach could have effects lasting the rest of my lifetime. Additionally I 've read the terms for that particular service would bar me from legal recourse moving forward. I believe this to be an underhanded attempt to limit liability rather than an honest attempt to help consumers.
Product: Debt collection

Fraudulent Collection in Violation of my consumer rights has been placed on my credit report.
Product: Student loan

I was involved in a car accident in XXXX, I was living off my savings until XXXX. I havent fully recovered. I called sallie mae on XX/XX/XXXX at XXXX and spoke with a customer service rep. They told me before the 60 past due on my student loans a special department will call to work with me and prevent negative credit reporting. I called sallie mae tonight and found out no department like this exist and they can not help me.
Product: Checking or savings account

I was contacted by my bank to verify the new accounts. I told them I did not open any new accounts and did not authorize anyone to open them on my behalf. I was told to file a complaint for Identity Theft.
Product: Credit reporting

I have sent in all documentation related to my identity theft case to Transunion. They are still reporting an account from creditor XXXX - XXXX that is listed in my police report and should have been blocked and deleted immediately. I have submitted my ID, police reports and affidavit along with my social security card and proof of residence.
Product: Debt collection

My wife was contacted on XX/XX/XXXX by someone claiming to file a lawsuit for fraud on a debit I had in 2010. They advised her I needed to contact them before XXXX the same day. At XXXX hrs I contacted them to inquire about the debt. They stated they are collecting a debt for GE Capital for electronic services I received fraudulently in 2010 for a total of {$1100.00}. I asked for the account name and address an they advised they could not tell what address it was used at but transferred me to there lawyer that could better explain. The lawyer stated his name was XXXX XXXX. I asked what the debit was for an he stated it was for a GE discovery credit card for {$310.00}. But after interested and late fees I owed {$950.00}. I asked him who the card account holder was an he stated I needed to get one thing straight. He was not here to convince me I owed the debit an I could pay for it or would be sued. I advised him I needed to know what the debit was for if I was obligated to pay it. He then stated I could pay the debit or he would purse legal action an he was not there to explain it to me. I could either pay the debit or I can go to court. With his extremely aggressive attitude an unwillingness to explain the situation to me I advised him to continue with the legal process. He suddenly hung up.
Product: Checking or savings account

Hi. 

I checked my chase account on XX/XX/XXXX and saw fraudulent charges. I promptly called Chase and told them they were not authorized nor from me, as its fraud. The customer service representative disputed said charges but made me pay a stop payment fee which I thought nothing of at the time. They also scheduled me an appointment the next day to close my current checking account and open a new one, which was fine. At XXXX I entered my local Chase branch, where the banker opening this for me was very confused. He said I should not be charged a stop payment fee as it is fraud, also we both we extremely upset to see that chase deemed my fraud charges as authorized despite them not clearly not being. We both contacted the claims team at his desk and said it is fraud, and was not authorized. They agreed they would credit my account due to this. Later that night I noticed an inquiry via XXXX XXXX which was not authorized by me to take a loan and immediately froze my credit and filed a police report to my local department regarding the website my money was taken from. Today, XX/XX/XXXX I have now received a secure message from chase stating that upon investigation the charges were authorized from me. However thats impossible. I gained access to the account on the website that took my money and the address is not mine, the number is not mine and neither was the email. Nothing besides my name was me. Chase is refusing my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion reported to an apartment complex that I have a history of evictions and collection actions. None of the evictions are verified as accurate even though I have requested on several times for TransUnion to do so. I have paid off majority of all collections accounts ( minus medical bills ) and it has been well over 30 days and my report has not been updated. I was told that I have a Judgement from XX/XX/XXXX from a property that I lived at in XX/XX/XXXX which I paid off and never was evicted from. I was also told that I have a eviction from when I resided with my mother ( my name was never listed on a lease ; when asked to verify this information such as something with my signature on it Transunion could not provide. All of this erroneous information was giving to the apartment complex that I applied to which is not accurate. I called to Transunion on XX/XX/XXXX and was told all they can do is submit another dispute- this is the 3rd dispute that I have submitted to them. In the meantime I am unable to provide housing to my family because they are passing around erroneous information in regards to my finances.
Product: Credit reporting or other personal consumer reports

I have ACCOUNTS passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate the accounts listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX