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

Ive disputed so many times with LexisNexis from XX/XX/year> to XX/XX/year> for many things such as the inaccuracy in their report about the spelling of my name in their reports of me about a discharged bankruptcy that they have no permissible purpose to be reporting on me in which they are fraudulently reporting in order for their own financial gains by selling to other bureaus and businesses in order to make money off of my privacy that the consumer laws should be protecting. Instead of deleting the public record as I requested like the law requires when inaccurate information is found, they continued reporting. All of my dispute letters to them have been the pick and choose to what they want rather than follow the laws that they are required to do so. I disputed on XX/XX/XXXX on grounds of litigation and they sent a response on something that I didnt even dispute on that particularly phone call with them. Im so glad that call was recorded and I have every dispute letter and response they ever sent back. I asked them who specifically from LexisNexis verified the bankruptcy with the original furnisher, the Bankruptcy Court, and things such as the name of the person, what information was asked about me from their company, the letter that was sent to the original furnisher, dates, etc as the consumer laws requires and they still did not provide any of that information. I sent them a letter from the bankruptcy court, the original furnisher, stating specifically that LexisNexis never reached out to them for any information on me nor do they verify or provide any information to LexisNexis or any credit bureaus for that matter. It should be against the law for these companies such as LexisNexis to be allowed to illegally and without a consumers permission to report damaging information on a consumer especially something that was discharged and supposed to give the consumer a fresh new start and certainly it should be against the law to even gain money off of us as consumers by selling our information to other companies. With all of the data breaches the companies such as LexisNexis, XXXX, XXXX, XXXX, XXXX keeps causing or allowing to happen to us as consumers, they should be held accountable by the law that should be protecting us as consumers. XXXX deleted all of that negative, discharged data but LexisNexis, XXXX, XXXX, and XXXX keeps breaking the law on all levels and pushing their weight around with us consumers! Its time to sue from this point!
Product: Debt collection

I asked for a debt verification letter from XXXX USA 15 days ago. I called them back and they told me I can get it until their investigation is complete first. I have the right to receive information that negatively impacts my consumer report. They told me I dont have that right.
Product: Debt collection

CAPITAL ONE BANK USA N is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1692c - ( Communication ) in connection with debt collection Communication - Cease remove accounts from credit reporting any form of communication. 

15 U.S.C. 1692G - Never Received any physical information of Validation of Debt - Requested Original Purchase Agreement - Provide a Proff of claim Never Recieved - Requested All methods of verification I feel Im being violated of my Rights with the accounts listed below # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have disputed this with XXXX upon applying for a home loan was notified about this account. I disputed and XXXX has updated a collections account status as open that I already disputed was not mine. LVNV is inaccurately reporting on my credit report and XXXX is culpable.
Product: Credit reporting or other personal consumer reports

This credit bureau continues to violate my right by reporting inaccurate information on my credit file or withhold updated information that is positive on my credit file to manipulate the credit report to look back. I have proof down below to show how this continues to happen they say ther verify account that still show the same thing but on the accounts that ate good they don't update them at all cause my credit score to tank.
Product: Money transfer, virtual currency, or money service

About XXXX dollars withheld after account being flagged for my protection and about XXXX years of trying to recover the funds to no avail and illegal withholding of the funds with very inconsistent information through all representatives dealing in the matter.
Product: Vehicle loan or lease

upon checking my credit report ive noticed that hyundai motor finance reported me late on certain months.and it is hard for me to get credit because of those late payments.im asking for a courtesy goodwill reversal of those late payments as i will set up a autopay with the lease contract.
Product: Debt collection

I Noticed a collection from XXXX on my credit report i sent a debt validation letter certified mail ( included in this complaint ) and received a printed paper with just an amount owed and the original creditor emergency professional services. I contacted the original creditor via phone and spoke with XXXX on XX/XX/XXXX and asked for the original contract and they do not have it. So how is this debt valid if the original creditor do sent even have paperwork on this debt XXXX says i owe. Also in my dispute letter i asked XXXX for the original contract or anything bearing my signature to prove i actually owe this they did not send it. Since the original creditor do-sent have paper work i asked they remove this item from my credit report or send me something bearing my signature to prove i owe them with all the identity theft going on and with me being a victim of identity theft in the past I will not pay this debt until i receive this information. If this item is not removed i will pursue litigation and sue for XXXX $ for violation of section 809.
Product: Credit card

This credit card is a XXXX card to purchase XXXX gas. It is issued by the First National Bank of Omaha. I have had this credit card for many years and prefer to use it when purchasing gas. By letter of XXXX XXXX, XXXX, there will now be a {$1.00} fee each time a paper billing statement is mailed to me. I am " older ( XXXX ) and do not pay any of my bills online or have any automatic payment. I write checks for all of my bills and pay everything on time -- never later. I talked with XXXX at XXXX regarding this extra fee. I believe it discriminates against older people who do not use online methods for paying bills. She put me on hold XXXX  to check, but indicated nothing could be done. I talked with the XXXX XXXX XXXX XXXX XXXX XXXX since that entity oversees national banks and was referred here to file the complaint. The address for the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. I think this fee should be waived for older people. Should you not pay the fee, then the interest rate has been raised to 33.24 % ( very high ). I would prefer to continue using this XXXX XXXX  card, but I truly believe it is discrimination against older people to charge the {$1.00} fee for a paper statement. This is the only credit card which charges this additional fee.
Product: Credit reporting or other personal consumer reports

Due to identity theft I am disputing these inquiries on my XXXX credit report that I didnt not authorize for my credit to be ran. 

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

On the background report I received from you it states that I did not report my criminal background, but I did report it on the application and it in the note on your background report, but it still says that I did not report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BALANCE : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes several times to XXXX/Equifax and XXXX  and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX  XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX -NOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXX XXXXXXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I found out that i was a victim of identity theft in XXXX, ive been working with the bureaus but they have not been very helpfull. I have tried to remove this fraudulent account but it hasnt worked. I finally contacted lexis nexus directly and they agreed to delete the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 

In brief, I have been a loyal Capital One CC holder for many years. I have XXXX cards with them and never missed a payment once. 

About XXXX years I downloaded their app and engaged the auto-payment feature. During XXXX and XXXX of XXXX it came to my attention that I had missed XXXX payments on of the cards. XXXX because I was n't even alerted to the first. This was impossible as I was enrolled in auto-pay. 

I learned that my interest increased by {$1.00}. That 's right {$1.00} and because of that my minimum increased by {$1.00}. The autopay did not account for that. Therefore, because I did n't pay the new minimum due-I was late! 

After researching this I found that this auto-pay feature is deceptive, not easy to use if you are n't told in detail how it works, and that many on time paying customers also have had damage to their flawless payment history due to this deceptive feature. 

I am intelligent person. I am a loyal customer and I pay all my bills on time. The damage this has caused to my credit was severe. All for a {$1.00}. And most importantly because they designed this feature to be deceptive and to their benefit. How much money did they make off defaulting people 's interest rates to max because of this shady feature? Millions I 'm assuming. 

What 's worse is that they have admitted that the feature is in fact confusing and that they had to deal with many calls such as mine-but there 's nothing they can do. Which is a lie. 

I truly feel like they are getting away with fraud to a degree. At least some form of profitting from taking advantage on their customers. I hate to use this term but it 's not fair. 

Please help. 

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

Upon checking my credit report around XX/XX/2023 I noticed that there was a hard inquiry on my credit report by XXXX ( XXXX  ). The hard inquiry was made on XX/XX/2023. I tried calling Transunion and explaining to someone who barely spoke any English that I did not apply for any type of credit with XXXX. That I did NOT authorize that hard inquiry on the XXXX of XXXX. She then gave me the run around about how this inquiry was " legitimate '' and to file a complain with the cfpb if I did not like Transunion 's policy. I want to make it very clear that the hard inquiry pulled by XXXX ( XXXX  ) on XX/XX/2023 was NOT authorized by me. It is FRAUDULENT. I am formerly requesting it be removed from my credit file-report.
Product: Payday loan, title loan, or personal loan

The bank won't let the loan company connect to my pnc checking account.
Product: Credit reporting

My name is XXXX XXXX, you can see why I have often shortend my name to XXXX or XXXX XXXX, yet these credit reporting agencies make me look like a con artist by saying I use several names, they are all mine. There are also XXXX inquires on my report with Experian and at least XXXX of those I never applied for any kind of credit with. I tried to get a credit card to build up my credit and i was surprised to learn i did not since the only negative i had on my report as XX/XX/XXXX was with XXXX for {$220.00}. Recently I applied for a car purchase, even though I do not drive, I need transportation and have my grandson drive me, I was turned down for the purchase. I thought the car dealership had their own financial system and found out that they were applying instead with XXXX banks. I 'm almost XXXX in XX/XX/XXXX, I do not have a lot of money, but I do have integrity, but conglomerates like the credit reporting companies can destroy a persons character with a few degrading words, this needs to stop.
Product: Debt collection

I am writing to you with the utmost urgency regarding a fraudulent account that has maliciously tarnished my credit report. It has come to my attention that an account, which I never initiated nor authorized, has been unjustly linked to my name. This egregious error threatens not only my financial standing but also my trust in your ability to accurately maintain credit recordsXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 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 account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

Experian has been reporting an account with XXXX. Bank in the amount of {$280.00}. I have disputed this account with them numerous times and each time I was not provided with the actual verification documentation used to verify this account. This account was paid in full. Experian has the burden of proof to ensure the information reported is correct. They have not done this. I have an attorney on standby should this zombie account remain on my credit report.
Product: Credit reporting or other personal consumer reports

Lvnv funding reporting derogatory credit marks on my file
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ran my credit report without written or verbal authorization which resulted in numerous hard pulls on all three different credit reporting bureaus with 5 hard pulls alone on XXXX and one that I am aware of at this time on Experian. Two on XXXX. XXXX XXXX XXXX XXXX had my personal information due to my purchase of a car from them on XXXX XX/XX/2021. A salesman at the XXXX store was trying to get me to co-sign for a friend who could not qualify on his own, I told him I was on my way over and he was specifically told not to run my credit. I arrived spoke with the salesman and my friend and declined to co-sign. Then to my great surprise I was notified by my Experian Alerts that my credit report had been run. I immediately contacted the XXXX dealership and they claimed they misunderstood when I specifically stated to them that they did not have permission to run my credit report. Finally today the XXXX dealership said that I have to dispute with the credit bureaus. XXXX allowed me to file a dispute ; however, both XXXX and Experian say that XXXX has to write them and say that XXXX pulled in error. XXXX claims that their action was a misunderstanding between the salesman and the finance manager. Either way XXXX did not have permission and these hard pulls need to be removed from my credit file all dated XX/XX/2021.
Product: Credit reporting or other personal consumer reports

To Whom It M

ay Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX  : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject has not satisfied debt. XXXX 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.