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

I am disputing the items listed below in Sections 1 10 of the Lexis Nexis Consumer Report. I am respectfully requesting that Lexis Nexius remove these entries from my consumer report, as they are either not me, time-barred, or not associated with any of my active accounts or credit inquiries made within the last 10 years. I have attached legal documents, ranging from XXXX, that shows the name and address that belongs to me. Included are the following documents : GA drivers license, I.R.S., State of Georgia Dept of Revenue, SS #, bank, insurance, bankruptcy court paper, employment XXXX, auto purchase contracts, student loan, property tax and assessment, XXXX car note, and 2 rent-to-own agreements. The cars and furniture rental agreements are the ONLY purchases that I have made within the last 10 years where a credit check was performed. Lexis Nexis list 71 names/addresses records in my report ; of the 71 only 2 records are accurate records 50 and 59. I have lived at my current address, listed above, for the past 18 years ( XXXX ) ; it should be the only address listed in your report. In addition, my name is listed SO MANY different ways in your report, names that I have NEVER used, names that do NOT belong to me. The same thing with the addresses, your report lists my childhood address from XXXX, I was XXXX XXXX XXXX ( A MINOR CHILD ) living in my fathers house. The duplication and inaccuracy of your reporting makes the report very confusing and almost impossible to review. Most of the records DOES NOT contain a SS # or date of birth I was wondering how XXXX XXXX determined they belonged to me? The report lists 40 inquiries from XXXX XXXX XXXX ; 30 of the records contain dates and 10 records do not. I contacted XXXX XXXX XXXX at XXXX and spoke with the Underwriting Dept and asked them why they inquiry so many times. I spoke with a rep named XXXX, who confirmed that in the past year, XXXX XXXX XXXX has only inquired 4 times and that was on my renewal dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I realize that these are soft inquiries that I only see ; however, I would like them removed as they are inaccurate, and XXXX XXXX XXXX  DID NOT make them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several late payments on my credit report from dealer finance of western Kentucky. I put in a dispute through XXXX XXXX but nit satisfied with the results. Will you PLEASE check into each month and make them show you why they're showing 30-59 days late when that isn't the case. XXXX XXXX, XXXX, XXXX, XXXX and XXXX. XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. XXXX XXXX and XXXX. Thank you!
Product: Debt collection

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

812. Furnishing certain deceptive forms [ 15 USC 1692j ] ( a ) It is unlawful to design, I HAVE ALREADY SENT YOU MY POLICE REPORT AND AFFIDAVIT. 

GIVING ME THE RUNAROUND WILL NOT WORK!! THIS WILL BE MY SECOND REQUEST FOR YOU TO SEND ME VALIDATION NOT VERIFICATION OF YOU PLUGGING NUMBERS WITH SOMEONE THAT STOLE MY IDENTITY.
Product: Payday loan, title loan, or personal loan

Company has been calling my job consistently
Product: Mortgage

Per prior CFPB complaint, company has NOT rectified the situation nor have they reached out to me as was stated by call center supervisor. 

I STILL can NOT access my account on my XXXX, XXXX XXXX, XXXX laptop or XXXX. 

I was able to access on a XXXX  computer at work three times. 

I do NOT have access to XXXX  at home. 

Please contact me about how you are resolving your IT issue re XXXX products. 

I am currently on hold for 48 minutes waiting on the call center to answer. UNACCEPTABLE. 

I remain UNABLE to acces my info or make payments per the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Where to begin! I have two problems with Truist, formally known as SunTrust.

It all started when Truist was still SunTrust. I had been paying a mortage for 2 years out of my SunTrust account. However, the Mortage company began to state that none of the payments had been made. This began in XX/XX/XXXX, there weren't any problems until XXXX of XXXX arrived. The Mortage company began to claim they never received any of the payments sent.

However, the checks had been cashed and showed as cashed in my previous bank statements.

I contacted SunTrust, and asked them to please send me all previous statements so that I could send the copies to the Mortage company verifying canceled checks, before they started the foreclosure process. Days turned into weeks, weeks turned into months and so on. I continued to get the run around, calling them weekly and being promised that my documents would be sent to me within a week.

After a year and a half of not getting a response, and the mortage company claiming that no payments had been made since XXXX, they finally started the foreclosure process. I informed Truist, as they had since then taken over SunTrust, and was once again promised that my documents would be sent. I told them the nature of the severity, and that the home was in jeopardy of being foreclosed on. They were well aware of my stand on things, and they were also aware that I have been trying to get this information for over a year now. I was told by Truist that since they took over, they were still trying to sort through things, but they would be diligent on getting what I needed. 

During all of this, there was a company in XXXX that had taken over {$1300.00}. from my account, without my permission. This happened in XXXX of XXXX. I immediately contacted them and informed them of the fraudulent activities on the account. I was told an investigation would be conducted, and that the money would be returned within 30-60 days upon review. The bank then closed out my account, without my knowledge, and never returned any of my money to me. The company that took the money has been known to steal and commit fraud, as I did a quick google search regarding them. Continued calls to Truist and they refuse to provide any updates. 

Sadly, Truist never followed through, and the home was foreclosed on, and purchased by another party in XX/XX/XXXX. To this date, I still have not received any of my records from Truist, even though I have continued to contact them over this matter. I can not rectify, or file suit against the Mortage company, who did receive the payments, because Truist will not supply me with the proof. Also, I never received my {$1300.00} from the fraudulent withdraw. I would NEVER recommend this company to anyone.

Desired outcome : I want the bank to be penalized. I would like to finally obtain ALL of my past records from SunTrust/ and/ Truist. And, finally I want my stolen money of {$1300.00}. returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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
Product: Debt collection

I have recieved from Credence Resource Management LLC a bill for  XXXX  XXXX  in the Amount of {$230.00}, repeatedly this past week, I have recieved phone calls to either have " discount payments '' or to have it " auto debited from my account '' " this way, " THERE WOULD BE NO CREDIT REPORTING BECAUSE IT IS DUE NOW TO BE ON YOUR CREDIT REPORT ''. I set up a {$20.00} a month payment, I am on Government XXXX and have other payments to make then their Royal Majesty 's aforesaid. This little bill better NOT go on my credit report or I will sue the living snot out of these people. The Phone calls and the Credit Report Damage Threats need to come to a grinding halt. I have kept my end of the bargain. Mam or Sir, As Uncle XXXX pays me, I will pay Credence/XXXX XXXX XXXX XXXX. Any further problems, I want a Lawyer!!!
Product: Credit card

I received a bill from Capital One for account # XXXX, that was opened on XX/XX/24, using my name and address. I did not open this account and do not know who did. I contacted the Capital One customer service and was connected with the fraud representative. The representative could not close the account and said it would be investigated. Whoever is using the account has my email and continues to order items on the account because I see shipping info on my email. This is obviously a fraudulent account and should be stopped immediately. I will not be responsible for any charges on the account.
Product: Vehicle loan or lease

Summary of the Issue : I am submitting this complaint against Tesla for denying access to my vehicle despite confirming receipt of my payments. This has caused severe financial hardship, disrupted my ability to work, and created unnecessary emotional distress. 

Details of the Issue : XXXX. On XX/XX/year>, I wired {$1000.00} to Tesla, which was confirmed as received. 
XXXX. On XX/XX/year>, I wired an additional {$1000.00} to Tesla, which was also confirmed as received. 
3. Despite confirming both payments, Tesla has not restored access to my vehicle. My car has been immobilized at my workplace since XX/XX/year>, and I have had no way to retrieve or use it. 
4. I have contacted Teslas Payment Resolution and Customer Service teams multiple times via phone and email, but I have received no actionable response. Teslas callback system also failed to follow up as promised. 

Impact on My Finances and Well-being : I used my rent money to cover these payments, leaving me financially strained and unable to pay essential bills. 
Without access to my car, I can not commute to work, which jeopardizes my job and my ability to meet financial obligations. 
I have been forced to rely on expensive alternative transportation, compounding the financial hardship caused by Teslas inaction. 

Requested Resolution : 1. Immediate restoration of access to my vehicle.

2. A full explanation for the delay and Teslas refusal to unlock my vehicle after confirming receipt of payments.

3. Assurance that Tesla will review and update their payment and communication systems to prevent similar issues in the future. 

Supporting Documents : Proof of both payments, including transaction screenshots and Teslas confirmation emails.

A record of emails and call logs demonstrating my attempts to resolve the matter directly with Tesla.

Teslas failure to act promptly after confirming payments has caused significant disruption to my life. I trust the CFPB will investigate and hold Tesla accountable for their handling of this matter. 

Thank you for your attention to this urgent issue. 

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

In according to FAIR CREDIT REPORTING ACT, XXXX  # XXXX ; XXXXDEPT OF ED # XXXX ; XXXX XXXX # XXXX ; XXXX  XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX XXXX XXXX XXXX XXXX # ******** ; XXXX XXXX XXXX # XXXX. have violated my rights. 

15 USC 1681 sect 602 ( a ) The right to privacy 15 USC 1681 sect 604 ( a ) sect 2. consumer reporting agencies can not furnish your account without my written instruction.
Product: Credit reporting or other personal consumer reports

i sent transunion and XXXX letters on XXXX, disputing the inaccurate and incomplete tradelines they are reporting on my consumer report. Per 15 USC 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on a consumer report. they are in violation of the FCRA and the information should be deleted immediately. 
XXXX XXXX XXXX is giving out inaccurate data and the account should be deleted as well. 

please see attached
Product: Mortgage

Orion Title & Escrow LLC-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida , XXXX ( XXXX ) XXXX Contacts : XXXX XXXX , XXXX. ( attorney ) and XXXX XXXX ( owner ) Orion File # : XXXX XXXX I was the Seller in a transaction that closed on XX/XX/XXXX at XXXX XXXX. Orion Title was the title company and settlement agent. 

On XX/XX/XXXX Orion provided to me a Seller 's CD listing fees payable by the Seller. I advised XXXX XXXX that same needed to be revised to include XX/XX/XXXX payments that were already made. She refused to revise the CD and only after I provided her with the relevant proofs of payment did she finally revise the CD and on XX/XX/XXXX ( less than 24 hours prior to scheduled closing ), ADDED A " SELLER DOCS PREPARATION CHARGE OF {$500.00} TO ORION TITLE. When I questioned her about the fee, she stated that was her standard fee ( not a fee for the revision ) but failed to provide any explanation as to why it was not on the CD provided on XX/XX/XXXX. I never agreed to pay that fee nor was it discussed or disclosed to me until less than 24 hours prior to the closing. I refused to pay the fee and reached out to XXXX XXXX, XXXX. for assistance. 

I received no response on XX/XX/XXXX however after the closing had already started XXXX XXXX, XXXX. stated that XXXX XXXX was the owner of the company and that the {$500.00} fee was not a " revenge charge '' but instead was the standard fee yet once again did not address why the alleged standard fee was not on the CS provided XX/XX/XXXX. XXXX XXXX never contacted me again. 

This was a mail away closing for me and I returned all the documents via XXXX XXXXXXXX signed without the {$500.00} fee. The Purchasers were at the closing table and ORION TITLE STATED THEY REFUSED TO CLOSE UNLESS I SIGNED A NEW CD AND AGREED TO PAY THE FEE. This would have severely prejudiced the Purchasers who had taken off from work and were moving into the premises that weekend and likely would have been subject to adjournment fees from their lender for an adjournment at the closing table. Out of consideration for the Purchasers and out of duress, I signed the new CD via email and the transaction closed. The practices of Orion are unethical, unprofessional and in my opinion equate to extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was deleted from XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX,. It was a scam school that was sued in a court of law and this loan was deem illegal and the XXXX XXXX XXXX removed it completely deleted and should have been remove from my credit report years ago. Please validate and remove this account asap it is a error. 609, 623 FRCA 611. please and thank you. My name XXXX XXXX XXXX my DOB XX/XX/XXXX SS XXXX.
Product: Mortgage

I have made several attempts with proof to show that my Mortgage payments for XX/XX/2019, XX/XX/2019 and XX/XX/2019 were made on time for my Bank of America Mortgage, account last four numbers ending with XXXX.
Product: Debt collection

I received a call from ( XXXX ) XXXX who said they were XXXX XXXX XXXX from an IL number. They told me my name, an old address, my social, and date of birth. After speaking with 3 different people, the last person, XXXX XXXX, informed me that I had opened a XXXX XXXX XXXX in XXXX and it was closed in XXXX due to non payment. XXXX supposedly made every attempt to contact me then had it on my credit for 7 years until it was removed then they sent it over to ARA. Never have I had an account with XXXX nor have I ever seen this on my credit. I am worried that I have confirmed all of my personal information for whatever their intentions are and I will not be scammed into paying something fake. Please note I would have only been XXXX in XXXX. 

Collection for : XXXX XXXX  XXXX of Call : XX/XX/XXXX Debt : {$4500.00}
Product: Debt collection

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items in the attachment.
Product: Debt collection

On or about XX/XX/year> I yhave been served with some legal document for a civil sue, this is the firsttime i heared about this, nonetheless I started my own investigation and this account is definately a case of identity theft, first the account was open in an address in which I did not longer resided when opened, secondly it seems that the account or amout in question was issue to use with XXXX XXXX, which is extrange due to the fact that I do have a XXXX  XXXX XXXX XXXX from XXXX which is the one that I use when traveling, such card is kept with small balance or not balance at all, and everytime I travel with them I use such card and not requesting any loan, I have evidence of all trips made and payment methods, I am an eldery that does not work, and my husband is retired too, we are very careful with our liabilities and expenses, this account is totally fraudulent, now I have court set in the XXXX XXXX when both company, the Collector as well the original debitor failed to provide me with information and indetifications they should have received in order to open or request such loan
Product: Debt collection

Debt in the amount of approximately {$3400.00} was owed to a law firm called Gordon, Aylworth & Tami ( XXXX, Oregon ). This was for consumer debt. I called and negotiated a settlement of {$3100.00}. I paid the law firm {$3100.00}. I received a letter saying the debt was paid in full. Six months later, they are trying to file a Writ of Garnishment for the debt. They went to court and obtained a judgment against me, did not properly serve me and are now trying to take my wages.
Product: Mortgage

We filed a chapter XXXX Bankruptcy in XXXX, and it was discharged in XXXX. We held our mortgages outside of the BK, and authorized the lenders to continue to send statements. When the BK was discharged they were sent a copy of the discharge as well. 
There was a change of servicing company, but XXXX servicers took the same stand. They would not send us any statements or letters, they did not send the annual escrow disclosure statement or notify us of any changes. They would not speak to us, or allow us online access to our account. 
The second servicer took over our loans XX/XX/XXXX ( we have XXXX homes XXXX was my husbands and XXXX was mine before we were married ). 
We were not given online access to our accounts by the new servicer until XXXX XXXX and XXXX XXXX respectively. They still do not send us correspondence, annual escrow statements, or regular statements. We can see these letters generated online, but they never are sent. 
Additionally they are not reporting our payments to the credit bureaus. They are insisting that we give them a reaffirmation letter and then they will report to the bureaus. 
Our BK attorney has strongly advised us not to sign a reaffirmation. His position is XXXX fold, first of all the properties were held outside of the BK, so there is no need to reaffirm the debt. Secondly he feels that the servicing company is taking away our rights to begin a new start in building our credit. His recommended resolution is that we re-open the BK and file an adversarial action against the servicer regarding their non-reporting and it 's impact on our ability to re-establish credit. Nationstar has essentially taken away our rights given to us upon completion of the BK and has hindered our ability to establish credit of any kind even to lease a vehicle without a co-signer. 
We have been working on correcting all of these issues for close to a year and a half. 
Can you help us clearly understand our rights in this situation?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get these accounts remove from Equifax report, they are reporting collection accounts from XXXX XXXX XXXX/XXXX/XXXX for {$6100.00} and XXXX XXXX XX/XX/XXXX for {$3000.00} These accounts are FRAUD!!!!! and are not mine. Equifax is govern by 15 USC 1681, they have violated my rights numerous times and I demand that these accounts be removed from my file. They continue to violate the truth in Lending act as well as the fair debt collection practices act.