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

Lexis Nexis is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the PACER database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response. 

The Company has also violated a multitude of The Consumers consumer rights based on FDCPA, TILA and the FCRA doctrines.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING DEBT WAS NOT AUTHORIZED AND ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT IN ACCORDANCE WITH 15 U.S.C. 
1681. XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

acct with bank of america XXXX is showing a balance of XXXX owed with late payments past XX/XX/XXXX to present date. it is showing missed payments from XX/XX/XXXX and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from bank of america was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX-XXXX. the have also violated the consumer protection act by not replying to dispute letter dated XX/XX/XXXX to dispute this acct. they stated that they did not receive the letter at bank of america address. but the address sent to is the address on the credit report that they send to all agencies. the address on credit reports are bank of america XXXX XXXX XXXX XXXX florida XXXX. I will attach letter receipt to show they revived it. plus other information from prior case number. plus they are adding late payments on this acct every month after notice to cfpb of actions to be taken.with reciept of letter and constant late payments request XXXX per incident. no reply in 30 days. and no correction done on credit reports. I hav called XXXX XXXX and left vm multiple times with no reply on this issue.
Product: Credit reporting or other personal consumer reports

I disputed the following inaccurate information on my Equifax credit report : 1. Date of Birth Incorrectly listed, despite submitting valid proof of my identity.

2. Address Incorrect address listed on my report, even though I have provided official documentation confirming my current and correct address. 
XXXX. XXXXXXXX XXXX Account I have disputed the presence of this account, as it does not belong to me. I provided supporting documentation requesting its removal, yet Equifax refuses to take action. 

Despite submitting the necessary documents proving my identity and supporting my dispute, Equifax has failed to correct my credit report. This failure to update my personal information and remove inaccurate account information is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure accuracy and conduct reasonable investigations into disputes.
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies on my Equifax credit report by mailing my dispute and supporting documents, including my drivers license, bank statement, and XXXX XXXX In their initial response, Equifax claimed they were unable to locate my credit file in their database. Subsequently, they stated that the documents I submitted were fraudulent. However, in their most recent letter, Equifax now claims that the documents were illegible. 

I believe this series of responsesfirst claiming they couldn't locate my credit file, then alleging fraud, and now citing illegibilityare delaying tactics to avoid conducting a proper investigation into the inaccuracies on my credit report. The documents I provided were clear and legible, and they meet the identity verification requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB intervene and require Equifax to properly process my dispute and conduct a thorough investigation into the disputed items to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX   CBNA/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD and XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, OH Both made unauthorized inquires on my credit report.
Product: Prepaid card

Cash app scam me out of XXXX like I was talking to them and it was a scam
Product: Mortgage

We have been working with US Bank mortgage employees to purchase a new house. Our closing had been scheduled for XX/XX/22. Last week, they advised we would need to change the date due to the holiday. We requested they attempt to allow the close to take place on XX/XX/22. They advised they were waiting on one thing, so we were not able to make Friday work. Today, we had a XXXX closing scheduled and I am being told we are waiting on one more thing. We are now waiting on a confirmation of close so that we can make a third appointment with the title agency to have the closing completed.
Product: Debt collection

I had some low interest credit cards that I was using for my business but the rates quadrupled overnight and made it so i could no longer afford to make the payments. This rate hike was not something that was ever disclosed to me and it should not be owed.
Product: Credit reporting or other personal consumer reports

Company closed account after XXXX month because they did not like how I used entire amount of credit, continue to report it as late and as charged off after only 30 days of opening, because they report charged off I requested the documents proving its a late payment ( disclosure and proof of mailing 21 days prior to report ) nothing was provided because its reporting written off or charged off to please supply XXXX c so I can claim as income to IRS they did not provide XXXX and continue to report uncertified inaccurate information and I demand to be compensated for the violation
Product: Checking or savings account

Since Thursday morning, I have been unable to access my Capital One 360 savings and checking accounts due to a technical issue on Capital One 's end. As a result, my salary has not been credited to my account, and I am unable to access my funds. This situation has caused significant disruption to my daily life, as all my essential paymentsincluding car loan payments, child-related expenses, and other regular billsare processed through this account. 

The inability to make these payments on time has already begun to negatively impact my financial standing. Delays in my car loan payments and other obligations are likely to harm my credit score, which is unfair given that the issue is caused entirely by Capital One 's technical problems. Additionally, if I am late with a payment on my Capital One credit card, I will incur high interest charges, further damaging my credit standing. 

I have reached out to Capital One regarding this issue but have not received a resolution. This delay and lack of access to my funds are causing unnecessary stress and financial hardship.
Product: Credit card

I set up my Macys account to automatically pay the minimum due. The first two payments were fine but then they started withdrawing XXXX payments a month and not crediting these payments to my Macys account. ( see page 3 for a list of dates and payments ) I first called and disputed the charges in XXXX. They asked me to send them a copy of my bank statement. I first faxed and then mailed it. I received an call after that. First they asked me to get an ach report on these payments. I called my bank ( chase ) and was told only the requesting bank can supply that. Which would be Macys or Citibank. So I called Macys and was told I needed a transmittal report. I called chase and they had never heard of such a report and had no further information they could provide me to give Macys. They said my bank statement should be all they need. There has been XXXX payments withdrawn from my checking account that were never credited to my Macys account totaling over {$270.00}. I have spent 5 months jumping through hoops for macys only to have my dispute claims repeatedly closed with no resolution! 
I just received a voicemail from Macys asking me to provide them with the information on where this money went! How can I possibly provide them with information the only have access to?
Product: Checking or savings account

I used Alberts cash advance service for {$150.00} expecting repayment to be taken from my next paycheck on XX/XX/year>, as is standard with cash advance apps. However, Albert withdrew my last {$110.00} from my bank account on XX/XX/year>, eight days before my actual paycheck, leaving me with only {$0.00} to last until payday. 

Albert had my payroll information and knew my next paycheck date, yet they still withdrew the funds early, draining my account completely. 

I contacted Alberts customer support immediately, and after multiple transfers and delays, they refused to refund the money to be repaid from my next paycheck on XX/XX/year>, as is standard for cash advances. Their reason was that I could have rescheduled the repayment in their app, but this was not stated within the app. Their practice of scheduling repayments before a users actual payday and helping themselves to every available dollar is predatory and unethical. 

I am requesting a full refund of the {$110.00} that was withdrawn early. 

This issue has caused me financial hardship, as I now have no money for essentials until XX/XX/year>.
Product: Credit card or prepaid card

I never applied for this card. They just sent it to me in the mail and it has extremely high fees. I never apply for any Credit card that has fees.
Product: Debt collection

Spring oaks have not provided me the required documentation of debt. They have not provided me with the front and back copy of original loan agreement. They have not met obligations to properly prove debt. Also they are not the original creditor
Product: Checking or savings account

PNC will not allow me to use my checking account to fund my XXXX stock account.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and complete dismay upon discovering that the following company or companies have reported charge-offs on my consumer report : XXXX XXXX XXXX XXXX Account # XXXX ] XXXX XXXX XXXX XXXX Account # XXXX ] XXXX XXXX XXXX XXXX Account # XXXX ] First Tech XXXX XXXX XXXX XXXX Account # XXXX ] XXXX XXXX - XXXX Bank XXXX Account # XXXX ] As per IRS regulations XXXX when a creditor charges off a debt, it signifies that the creditor has relinquished attempts to collect the debt and has categorized it as a tax loss. In accordance with this process, the creditor is obligated to submit a XXXX form to the IRS, detailing the canceled debt as income. This situation implies that I may be liable for taxes on the charged-off amount, despite not having received any funds from the creditor. 

Allow me to be unequivocal : the presence of these charge-offs on my consumer report constitutes a clear violation of my consumer rights, opens the door for discrimination and is completely unacceptable. I demand the immediate exclusion of the aforementioned accounts without any further delay. 

I wish to remind you that the consumer laws mentioned below are not mere suggestions but legally binding regulations that you are obligated to adhere to : 1. 15 USC 1681a 2 - Exclusions ( a ) ( i ) : This subsection of the Fair Credit Reporting Act explicitly states that " Any report containing information solely as to transactions and experiences between the consumer and the person making the report. '' 2. 15 USC 6802 : This section of the United States Code outlines the obligations of financial institutions regarding the disclosure of personal information. It delineates the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Financial institutions are mandated to clearly and conspicuously inform the consumer, in writing or electronically, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to opt out of such disclosures and must receive an explanation of how to exercise this option.

3. 15 USC 1681b ( a ) ( 2 ) : This section of the United States Code specifies the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under certain circumstances, primarily when the consumer provides written authorization. I have not, and will not, grant any creditor the right to include negative, inaccurate, and injurious information in my consumer report.

It is abundantly clear that the presence of charge-offs on my consumer report directly violates the aforementioned laws. Consequently, I am entitled to receive compensation for this deliberate noncompliance, as outlined in 15 US Code 1681n. 

I do not anticipate receiving verification of the item in question, as it is evident that it is in violation of the law.
Product: Credit reporting or other personal consumer reports

I am being sued in XXXX XXXX XXXX  Municipal Court for Case Number XXXX by XXXX XXXX. They have admitted I did not open this account and it is Fraud and they are still suing me and have sold my debt to others to collect on it and file lawsuits. Equifax has not removed this fraudulent case from my credit even though they know my identity was stolen because of their data breach. I want every collections and closed negative account removed as this is further proof even on their own admission that my identity was stolen and I am suffering XXXX XXXX XXXXXXXX  XXXX. I demand you order them to remove all of these accounts I have listed in the past and compensate me for my time and trouble.
Product: Debt collection

On XX/XX/XXXX at approximately XXXX I called Credit Collection Services XXXX I spoke to XXXX XXXX. I informed her that I was an Attorney, and I asked that they validate the debt they were trying to collect on. The underlying transaction was from XXXX XXXX on XX/XX/XXXX - Account Number : XXXX Lab Code : XXXX. The outstanding balance had previously been paid to XXXX, and I have confirmed that I have XXXX balance with XXXX. 

When I asked MsXXXX XXXX to validate the debt, she gave me the date of service. I confirmed the date, but explained that there was no balance owed and that she was trying to collect on a debt that was not owed. I said that she needed to validate with XXXX, she said no that I needed to provide proof of payment. I again asked her to validate the debt- she refused. I next asked if her company was licensed in Michigan and to please provide me the license number, she refused. She said she didn't know if they were licensed in Michigan. Next I asked if she was licensed in Michigan, again she refused. 

My complaint is they were trying to collect on a debt not owed, refused to validate the debt, and refused to disclose if they were licensed in Michigan, or to give me their license number. 

I believe that they are not in compliance with the FDCPA. 

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

I noticed accounts displaying on my consumer reports that are a violation to my rights as federally protected consumer. I demand these accounts removed from my consumer reports immediately. I sent the on XX/XX/2021 and I have not heard back from Transunion, XXXX, or XXXX. Pursant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a Consumer Report.
Product: Credit card

I have overpaid a credit card for an account that has been closed by {$1300.00}. The bank has not refunded the overpayment.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to address this issue, the fraudulent entries persist, posing a significant threat to my financial well-being and reputation. 

I am reaching out for the sixth time to request your urgent attention to this matter. It is imperative that these fraudulent items are promptly removed from my credit report to ensure the accuracy and integrity of my credit history. 

I kindly request an update on the status of my requests and urge you to prioritize the removal of these fraudulent items without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I order some shoes from XXXX XXXX AFFRIM PAID THE LOAN SHOP PAY I NEVER RECEIVED THE ITEM I ASK THAT THEY OVERNIGHT THEM I PAID EXTRA THAT WAS LAST YEAR STILLN TO THIS DAY NEVER WAS PUT IN MY HAND THEY CHARGE OFF I PAID IT {$440.00}. THE LAW STATES I NOT RESPONABLE FOR A DEBT I DONTB MAKE OR RECEIVED THIS WOULD INJURY I CONTACT THEM MANY TELLING I NEVER RECEIVED THEM.
Product: Mortgage

we took out a mortgage with XXXX XXXX back in XXXX. We never took any money from the HELOC. Now we are trying to sell our home but the title search found the mortgage was never released. We contacted Chase Bank who " took over '' bank one weeks before the original closing date of XXXX/XXXX/XXXX. No one was able or willing to help us. Finally on XXXX we signed an affidavit of payment in front of a notary saying the account was never used, the balance we XXXX, and we request a release of lien/satisfaction of mortgage on the home. To date, the title company does not see the recorded release. They would even be good with seeing a copy of the release chase plans to send to XXXX county wi register of deeds. My last contact at chase was XXXX, at XXXX, ref case number XXXX. But the title company and myself have been calling her for the last week and it goes right to voicemail. We are not looking at another delay in the closing date because a month was n't enough time to get this release drafted and to the courthouse. The title company did say this might take a week or two but not a month plus.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( charge off ) XXXX XXXX XXXX XXXX XXXX ( charge off ) -- {$1100.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I locked my credit file at all XXXX credit bureaus XX/XX/XXXX. I got my XX/XX/XXXX Equifax credit file and saw a company I do n't do business with : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I complained to Equifax. Response said was to call XXXX. There is no XXXX XXXX. at above address and XXXX XXXX. in CA said they did n't know about XXXX XXXX at XXXX XXXX. I complained again to Equifax. Response was some XXXX nonsense about XXXX doing a " soft '' inquiry into my credit file because I had some business with XXXX!! Equifax 's reply is a XXXX LIE!! I believe Equifax wants money for inquiries and other services. Since Farmers is probably a BIG money company for Equifax, Equifax looked the other way and ALLOWED Farmers to access my LOCKED CREDIT FILE!!! Equifax HAS NOT TOLD THE TRUTH ABOUT WHY THEY ALLOWED FARMERS TO DATA MINE MY CREDIT FILE. THIS IS WHY I GET SCAM PHONE CALLS FROM CALIFORNIA. XXXX HAS A INVESTMENT PRODUCTS LEADS GENERATING OFFICE IN CALIFORNIA, I WAS TOLD BY XXXX XXXX. EMPLOYEES. EQUIFAX IS TRYING TO MAKE MONEY BY PRETENDING THIS IS A " SOFT '' INQUIRY. RIDICULOUS! MY CREDIT FILE IS LOCKED BECAUSE OF SO MUCH ID THEFT AND SUCH. EQUIFAX HAS BREACHED THEIR OWN RULES AS TO CREDIT FILE LOCKING!! Equifax 's XXXX services helps firms target credit bureau data base people ( customers ) for financial services. I tried to complain by phone. All the staff are hiding behind secret phone numbers. Online help? A joke!! 
Your upload software will not let me open scanned files separately. I can upload ENTIRE scanned file which you only need XXXX scanned pages, not XXXX scanned pages. So, you ca n't see what Equifax wrote to me and credit file troubles.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I had a report through my XXXX XXXX account of a recent hard inquiry. A Hard inquiry was done by XXXX XXXX on XX/XX/2023 for a credit card application that I did not submit. I contacted XXXX XXXX and reported this fraudulent application. XXXX  XXXX cancelled the fraudulent application and will contact Trans Union and XXXX to remove the hard inquiry. XXXX XXXX advised me to follow up with a complaint to the credit bureau. XXXX XXXX also asked me to allow 3 business days for this complaint to be complete. And 60-90 days before the removal is seen of the hard inquiry. Any further help in this matter would be appreciated. Thank You.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate inquiry that I believe to be incorrect on my credit report. 
Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I have tried to contact every one of the company listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? So please DELETE the inquiries below : 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