23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2022 my husband and I became aware that someone applied for two loans in our names from Upgrade.com and deposited the proceeds into our personal checking account. We contacted the company that day to inform them this was not us and we had become the victim of identity theft ; also filed a police report. Two loans were obtained - {$12000.00} & {$13000.00}. The proceeds for the loan of {$12000.00} were fully deposited into our checking account. The loan for {$13000.00} was split ; {$6500.00} was deposited into our checking account while {$5000.00} was used to payoff a XXXX credit card and {$1000.00} was used to payoff another credit card - neither of which belong to me. We were requested to supply Upgrade w/copies of our color photo Government issued ID, police report and copies of two months of bank statements as part of their investigation. We complied with their requests. After numerous phone calls, emails and endless conversations that have gotten us nowhere, we're asking for resolution regarding this matter. We want to return the funds that are still in our checking account, not be held liable for the funds that were used to payoff credit cards belonging to another individual, and have the account completely removed from our credit report. 

Unfortunately the lender has not cooperated after numerous requests to speak with somoeone in the fraud department to discuss this ongoing investigation. They have told us they will not resolve the investigation until the money is returned. Having been the victim of identity theft, I am very apprehensive to return funds without knowing that I will not be held responsible for a debt that I did not apply for.
Product: Mortgage

MrCooper has had a cybersecurity breach and I am unable to make my monthly payment. I am worried that my personal information has been compromised and I am continuing to accrue undue interest on my mortgage as my payment can not be accepted. I fear that the company with not pay my insurance and property taxes on time and I will be left with the cost to correct. They have not updated their response since XX/XX/23 " On XX/XX/XXXX, Mr. Cooper became the target of a cyber security incident and took immediate steps to lock down our systems in order to keep your data safe. Our systems remain locked down, and we are working on a resolution as quickly as possible.

Rest assured, you will not incur any fees, penalties or negative credit reporting related to late payments as we work to fix this issue.

For updated information, we encourage you to continue to visit this webpage and the FAQs section below.

We value you as our customer and are truly sorry for any inconvenience or concern this incident may have caused. ''
Product: Mortgage

I am writing to formally lodge a complaint against Mr. Cooper, also known as Nationstar, regarding serious violations of bankruptcy laws during my recent bankruptcy proceedings. 

During the period of my open bankruptcy and under the legal protection of the automatic stay, Mr. Cooper/Nationstar egregiously breached bankruptcy laws in the following ways : 1. **Foreclosure Process During Bankruptcy Stay : ** Despite the automatic stay being in effect, Mr. Cooper/Nationstar continued to progress with the foreclosure process. This included hiring inspectors and taking steps towards foreclosure, which is a direct violation of the automatic stay provision under bankruptcy law. 

2. **Harassment via Debt Collection Letters : ** Throughout the bankruptcy stay, I received multiple harassing letters from Mr. Cooper/Nationstar asserting debt owed and threatening action inconsistent with the protections afforded by the bankruptcy process.

3. **Incorrect Reporting to Credit Bureaus : ** Furthermore, Mr. Cooper/Nationstar inaccurately reported information to credit bureaus during the bankruptcy stay, which has had a detrimental impact on my credit score and financial standing. 

These actions are not only unethical but also illegal under federal bankruptcy laws designed to protect individuals during financial hardship. I have made numerous attempts to resolve these issues directly with Mr. Cooper/Nationstar without success, prompting this formal complaint.
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels XXXX not following all the steps. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse. 
For the record I am the person submitting this complaint. I have not hired a third party nor is anyone helping me. Please see this matter is handled with a sense of urgency.
Product: Debt collection

CHOICE RECOVERY INC IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Product: Debt collection

On XX/XX/XXXX of 2019 myself and numerous people that I am not directly associated with were contacted by a company called Alliant Capital falsely claiming I owe them money. Then I started receiving calls from numerous people that I havent spoken to in over 20 years stating that the rep of Alliant Capital told them I owed money and began asking questions. After I told them the debt wasnt mine the rep then told me to shut up and let me talk and when I didnt and hung up the phone. I called back and asked for a supervisor and the other staff members began talking like mobsters and threatening to be lawyers. The last number I have on them is ( XXXX ) XXXX the reps name is XXXX XXXX.
Product: Checking or savings account

Chase Checking and savings accounts were opened on XX/XX/year>, via email with promo code to receive {$900.00} after requirements were satisfied. It seemed that the promo code was not attached to my account despite clicking on link in email for opening both accounts with promo code attached automatically. Perhaps there was a glitch. 

Chase was contacted on XX/XX/year>, and a case was created to resolve the above issue regarding the promo code and to have the {$900.00} manually credited but as of today XX/XX/year>, the situation is still unresolved. It has been XXXX  days and the {$900.00} should be honored as promised in the email. 

Please credit the {$900.00} as soon as possible.
Product: Credit reporting or other personal consumer reports

Ive reached out to all 3 CRAs several of times on numerous occasions in regards to fraudulent accounts thats on my credit reports from the following companies XXXX XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX  opened on XXXX, XXXX XXXX opened on XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only XXXX XXXX accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXX XXXX XXXX - Civil Liability for Willful Noncompliance, XXXX XXXX XXXX XXXX - Civil Liability for Negligent Noncompliance, and XXXX XXXXXXXX XXXX XXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Accounts listed below in green XXXX highlighted and tag as in violation under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under XXXX XXXX XXXX XXXXXXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Violation of FCRA 30-Day Policy by Lexis Nexis CFPB Case Number : XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against Lexis Nexis for their handling of my claim regarding inaccurate data on my Lexis Nexis profile and the subsequent violation of the Fair Credit Reporting Act ( FCRA ) 30-day policy. 

On XX/XX/XXXX, I submitted a claim to the CFPB concerning inaccurate information on my Lexis Nexis profile. On XX/XX/XXXX, I received a resolution letter from Lexis Nexis stating that some of the information would be removed while some would remain. However, the letter did not provide adequate proof or documentation for the information they deemed accurate. 

Two days later, on XX/XX/XXXX, I contacted Lexis Nexis to request evidence for the information they claimed to be accurate and the sources from which they obtained it. Instead of providing the requested documentation, Lexis Nexis informed me that they had initiated a new investigation into my profile. 

According to the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies are required to complete their investigation within 30 days of receiving a dispute. Instead of adhering to this regulation and removing the inaccurate information, Lexis Nexis closed the initial investigation with the CFPB and reopened a new one, effectively circumventing the FCRA 's 30-day policy. This action constitutes a clear violation of the FCRA. 

Additionally, Lexis Nexis ' failure to provide documentation supporting the accuracy of the disputed information is a violation of the FCRA 's requirement for consumer reporting agencies to provide consumers with any information used in the investigation ( 15 U.S.C. 1681g ).

Moreover, Lexis Nexis ' practices may also violate the Consumer Protection Act, which mandates fair and transparent handling of consumer information and requires consumer reporting agencies to ensure the accuracy and integrity of the information they report. 

Given these violations, I am seeking immediate corrective action to address this situation and to ensure that the inaccurate information is promptly removed from my Lexis Nexis profile. I kindly request the CFPB 's intervention to enforce compliance with the FCRA and the Consumer Protection Act and to hold Lexis Nexis accountable for their actions. 

Please let me know if any additional information is required to process this complaint. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY . I DID AN INVESTIGATION ON MY CREDIT REPORT AND  FOUND ITEMS ON THERE TO BE   INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE  PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES .
 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the following inquiries which are opened without my knowledge. I highly request that you take the time to check and verify these inquiries since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. Please delete the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected and deleted. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I got a chase credit card which had a promotional rate of XXXX united miles upon signup and spend of {$5000.00}. Two days after the card was issued, the promotional offer went to XXXX miles. I had called the company and they indicated that they would honor the new promotion and add the miles in the next statement period. That was over 5 months ago. I have been calling at the close of every statement period and I keep getting the same answer- it will be added in the next statement period. This is deceptive marketing and waste of customer 's time and effort. I am still missing the promised XXXX miles from my united account.
Product: Mortgage

FAIR COLLECTIONS AND OUTSOURSING has placed erroneous and false information on my credit report. I do not know this company and have no knowledge of the company they are attempting to collect for. I have asked this company to remove this information, This company is preventing me from qualifiying for a mortgage. I have lost my earnest money and have been subjected to a higher interest rate with higher fees.
Product: Mortgage

On XX/XX/2019 i Called Wells Fargo Mortgage dept to get pre-approval for a home i wanted to buy, XXXX. i spoke with Loan Officer XXXX XXXX and during initial conversation i explained to him that i had approximately XXXX in Student Loans and some medical bills that were being disputed and that i had paid off vehicle and credit card. .and XXXX proceeded to pull my credit and said he would send to Underwriting. within 5 minutes a decision came back from Underwriting with a Pre-Approval. XXXX said he was surprised that underwriting had approved with DTI being right under 50 %. and that my Credit score qualified me for FHA and they had a 3 Point Program that i also qualified for that only Wells Fargo offered. He then directed me to website to fill out application all with his assistance while we both were online and he could see and direct me while i input my information.. He also told me to go to my WF Application and pay {$75.00} so that i could receive {$750.00} to help with my Closing Cost. I was ELATED that i had a pre approval from WELLS FARGO Bank that the same day i put up {$3000.00} Due Diligence fee to secure home and my agent delivered certified check the following day. the following morning around XXXX i received an email informing me that " XXXX i made a significant oversight on your pre approval, your students loans I made a significant oversight on your pre-approval ; your student loans which will make your debt-to-income ratio significantly higher than guidelines permit '' I recommend you disapprove the physical condition of the property and cancel the contract. I deeply apologize for rushing through your loan application with us and for having wasted your time, ..This gentlemen knew that i had put up DD money and bragged about him having over 8 years experience and do allow some other Loan Co do what he just did to me..AND MOST OF ALL HE SHOULD HAVE KNOWN THAT DUE DILIGENCE MONIES ARE NOT REFUNDABLE..I AM DEVASTATED AND WOULD LIKE TO BE REFUNDED MY {$3000.00} AND HOLD WELLS FARGO ACCOUNTABLE. I DID CALL AND FILE COMPLAINT WITH WF ON FRIDAY AND WAS INFORMED THAT SOMEONE WOULD CALL ME AND TO DATE NO ONE HAS CALLED. PLEASE HELP!! I AM A SINGLE PARENT TRYING TO PURCHASE MY FIRST HOME AND THIS HAPPENS WITH A REPUTABLE COMPANY " WELLS FARGO ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information contained within my credit reports to the 3 major credit bureaus and I have been made aware that LEXISNEXIS is one of the companies confirming that the information is verified accurate. 

LEXISNEXIS does not have my consent to report this information or share this information with any commercial business or anyone for that matter. Not only does LEXISNEXIS not have my consent, they can not verify the information is accurate, which it is not. 

The disputed item is listed as public record bankruptcy. Following those disputed results I contacted via certified mail the original creditor listed as XXXX XXXX XXXX XXXX  inquiring as to why and how they verified this information with the credit reporting agencies. This was the written response I received that clearly states, " The clerk 's office does not report bankruptcy cases to credit reporting agencies, and it has no input as to what the credit reporting agencies have on record regarding any given bankruptcy case. '' Since the court is the original creditor and they state they do not verify or report, the item must be DELETED. I also spoke with the clerk of court over the phone and was told that once information is put in public record there is no way for them to correct that information nor do they verify it to be accurate. The lady also acknowledged that human error is possible and there is nothing she could do to fix errors even if part of the information was referencing me. 

Furthermore, I have heard that some credit reporting agencies like to obtain public record information from a site called XXXX which is NOT the original creditor, but I also contacted them in writing, and this was the response I received from XXXX. " XXXX  does not contact consumer reporting and credit reporting agencies. '' Simply put, LEXISNEXIS LIED to the credit bureaus! They did NOT and CAN NOT verify the information listed on my credit report and since they are NOT able to do so, the ITEM listed as Public Record Bankruptcy MUST BE REMOVED! 
There are several examples of Adverse Actions being taken against me as a consumer because of LEXISNEXIS reporting of UNVERIFABLE information.