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

LexisNexis XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Immediate Removal of XXXX XXXX Bankruptcy Information under Law 623 A-5 and 15 USC 609 A1 and 609 A2 Bankruptcy Filing Number : XXXX Date Filed/Reported XX/XX/XXXX Date Bankruptcy Status Last Updated : XXXX XX/XX/XXXX Dear Sir/Madam, I am submitting a formal complaint against LexisNexis Consumer Center for their failure to comply with the applicable laws under the Fair Credit Reporting Act ( FCRA ) regarding the bankruptcy information listed on my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( FCRA ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), it is clearly stated that if the original creditor has not provided any information to the credit bureau regarding an account, the information must be removed immediately. I have submitted an affidavit along with a formal request to the credit bureau indicating that the original creditor has not provided any valid or updated information regarding the bankruptcy that is currently listed on my credit report. 
Additionally, under 15 U.S.C 609 A1 and 609 A2, I have the right to receive accurate and complete information in my credit report, and any data that has not been verified or that does not come from a reliable source must be removed immediately. 
To date, I have not received any evidence from LEXIS NEXIS that the original creditor has correctly reported the bankruptcy. This further supports my position that the information should be removed from my credit report immediately. 
" I demand the immediate removal of the bankruptcy and all accounts included in it Name of Account and Account Number : Bankruptcy Filing Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am also attaching a copy of the court affidavit to further support my claim. This document demonstrates that the original creditor has not provided any information to the credit bureau regarding the bankruptcy, as required by law.
Product: Credit card

helloFirst I 'd like to let you know that removed my full name leaving only initials for security purposes. 
I am contacting you with regard to XXXX rewards card. 
This card classified my payment as late from XX/XX/XXXX ( saved the webpage for your records XXXX. I reviewed the account and I can see that I modified my payment method on XX/XX/XXXX XXXX an email was sent to me ) below is the details : Type : ModifiedReference ID : XXXX Date : Monthly on the day of your payment due datePayment Amount : Minimum payment dueBank Account Name : XXXXAfter payment method modification, the monthly statement ( which is attached for your records ) was issued for the following statement Billing Period : XX/XX/XXXX - XX/XX/XXXXIt clearly statesActivity for XXXX XXXX - card ending in XXXX Date Posting Date Transaction Description AmountXXXX/XXXX XX/XX/XXXX Payment Received BANK OF XXXX - $ XXXXThis clearly states that the credit card company received the payment on XX/XX/XXXX yet informed me that the payment is late. 

Moreover, when I login on the credit card personal webpage ( on XX/XX/XXXX ), it states that the payment is overdue last payment received {$25.00} XX/XX/XXXXI had a similar story with this credit card company XX/XX/XXXX which obviously had issues with their website and they reported my payment as late XX/XX/XXXX. During that time I had problems with Auto payment enrollment confirmation and this credit card company reported my late payment to credit bureau which negatively impacted my credit history. I wrote them nicely to ask to correct the issue but they refused to help me. I am attaching my credit report which shows that I never been late on any other credit card yet XXXX rewards card is causing me a lot of trouble. I was unable to receive good credit cards as well as obtain a credit because of these issues. 
I am an elderly person and the whole story causing me a huge distress. Please help. 

Thank you and XXXX bless you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent transunion a letter to verify information on my report because it did not seem right. On XXXX They did remove about 2 accounts but they claimed the rest was verified so i asked how did they verify the information and what steps where tooken and on XXXX XXXX i told them " A template response will not be an acceptable response If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. '' But they failed to provide me with that information. I really do regret having to exersise my rights. On XXXX they responded that they can not reinvestigate the items listen unless i have additional information to support my investigation because they " completed their dispute '' but i was told by the free lawyer guy that i can dispute more than just one time. So why is that i am denied of exercising my rights to dispute INACCURRATE INFORMATION. I am requesting removal of these accounts now or i will use these documents to support my claims.
Product: Credit reporting or other personal consumer reports

I am writing you about the the misuse of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX. 
XXXX XXXX XXXX  Account Number : XXXX
Product: Vehicle loan or lease

I went to the dealership I just turned XXXX, I had a XXXX XXXX  XXXX, that I was trading as well as XXXX bucks as a down payment, and I had a co signer : ) all went well, I signed the papers had a monthly payment, I moved, I got a job, waited 2 months never got a first payment? I was waiting, they called me said that I need to bring the car back because they werent able to secure the loan or they are going to call it in as stolen. I brought the car back that same weekend. It took them XXXX months to send the XXXX dollars back, and but it is now XXXX almost, and I havent received the car I traded in back, i have talked to managers. Ive talked to the owner of the dealership, the financial guy, the car sales man. They said they had my car, I went up there to get my car 4 months later since giving the car back. Drove XXXX miles, and I called them and let them know I was in town to get the car, they said we need to find the car and we will give you a call back, I never got a call back. Never a text. They didnt reach out again. I looked at my credit report. They shot my credit report out and did XXXX inquires on my credit. They shotgunned it and made it XXXX near impossible to get anything.
Product: Credit card

First of all, capital one has had my name wrong on this account for years, even though it was spelled correctly on other capital one accounts I've had. My last name is XXXX, and they still keep addressing my letters as " XXXX. '' I have tried disputing this error multiple times with them but they still address me as such. 
Anyway I noticed on my credit reports that the " days late '' were inconsistent. One credit report claimed I was 90 days late, another said I was 120 days late, and the third would say I was 150 days late. And this was inconsistently reported on at least 4 or 5 different months. I wrote a letter requesting capital one send me a history of my payments and dates each payment was made so I could figure out which ones were incorrectly being reported. 
Capital One sent me this : Dear XXXX XXXX, Thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. 
We have confirmed that the late payment we are reporting for XX/XX/2023 is accurate. Because this information is correct, we do not need to change how we update it to the credit bureaus. 
We are unable to provide you with all of the statement copies that you requested. We regret any inconvenience this may cause. You may still be able to access additional statements online at www.capitalone.com 1. My name is STILL misspelled after disputing for years. 
2. I was questioning a LOT more dates than just XX/XX/2023, but that was the only one they decided to mention. 
3. If they were able to confirm that the late payment for XX/XX/2023 is accurate, why couldn't they provide me with the due date & payment date for at least THAT ONE?

4. I did not ask them to update anything to the bureaus ; I asked them to provide ME with the information that is regarding MY account and for PROOF that what they're reporting is accurate. 
5. I do not see why they could not provide me with the documents I was requesting. I have requested the same information from other lenders and they were able to provide me that with no hassle. Capital one at least could have emailed me a PDF or something.

6. Believe me, I have tried to access my payment history for this account on the capitalone website. The ONLY information I have access to regarding payment history is the processed & scheduled monthly payments toward paying off the collection account.
Product: Checking or savings account

At the XXXX XXXX XXXXXXXX I got a credit alert someone used my SS # To open a Bank of America credit card. After hours on the phone I finally got the investigation process started. 
The account was closed. 
I added a fraud alert onto my credit file and turned my SS # off in XXXX XXXXXXXX. 
Today I got an email that my Bank of America accounts were successfully opened. 
Thinking it was spam I went to my local branch. 
They confirmed that yes, an account had been open online. In my maiden name. I asked how this was possible with a fraud alert and a SS # that was off. 
They had no answer. I provided them with appropriate identification and told them to deactivate the account. 
They told me they couldn't. 
They said I would have too call their customer service #. 
I explained how long it took last time and asked for someone there to help. 
He said there is nothing they could do.

I would need to set up an appointment..

I asked about any activity that may happen from now until then. He said they would investigate after I opened a claim.

This is not acceptable to me. 
My SS # is locked. This account never should have been approved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Checking or savings account

me. Im at my wits end. I just recently purchased a new house, and I am changing banks from Chime to XXXX  XXXX XXXX. Chime bank will not allow me to transfer my funds to my new bank. Ive contacted them on repeated occasions to try and get my money transferred over and because they say theres a limit per month on how much money they can transfer they keep denying my request, Ive requested them to close my account and overnight me my my check balance they refusing to do so. I also asked them to please send the check to my new bank. Theyre refusing to do so they will not help me in anyway and I can not get access to my funds to be able to put the down payment on my home. I dont know what else to do. I tried contacting XXXX  XXXX XXXX XXXX XXXX told me to contact chime chime wont change their limits. Allow me to transfer my funds. As Im supposed to be closing on my home on XX/XX/XXXX. Im hoping you might be able to help. Ive run out of all my other options. I I hI have tried to move funds out a tbit at a time but because of their monthly limit, they wont let me transfer any more funds Sincerely, one really dissatisfied. Chime customer
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
XXXX PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting or other personal consumer reports

Once I noticed that my credit profile had a security breach I immediately contacted the authorities as well as filed an FTC report. I alerted all of the Bureaus and accounts. I recently received that XXXX of the accounts did not want to comply so I decided to escalate the assistance with my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and is implem ating regulation, Regulation E, 12 C.F.K. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 
These violations have caused significant inconvenience and financial loss. I am Seeking appropriate redress for these violations of federal law
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Account Information I am writing to formally dispute the information related to [ Account Name/Number ] on my credit report. After reviewing my credit file, I noticed that this account has been inaccurately reported and I am requesting its immediate removal. 

Here are the key reasons for my dispute : Inaccurate Account Information : The information listed about this account is incorrect. I have never opened or authorized this account, nor have I ever received services or products from the creditor. It appears this account has been added to my report in error.

Lack of Validation : I have not received proper validation of this debt despite my attempts to resolve this issue. The creditor has failed to provide sufficient documentation to verify the accuracy of the debt, as required under the Fair Credit Reporting Act ( FCRA ).

No Prior Notice : I did not receive prior notice of this account being opened, and no attempts were made to contact me before it was reported to the credit bureaus. As a result, I have been denied my legal right to dispute or resolve the matter directly with the creditor.

I kindly request that this inaccurate account be investigated and removed from my credit report promptly. Please confirm in writing that you have received this dispute and inform me of any action taken to correct the error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Not XXXX XXXX remove from my credit report
Product: Student loan

Changed payment plan thru fedloan based on income and on the federal service loan foregiveness plan which only counts if you make 120 on time payments. I have had money directly withdrawn every time for the past 4 years even when changing plans. This time they did not withdrawn payment and indicated had to be done manually. I called as I noticed it has not been withdrawn. This was not clear in letters and is misleading. Had I not called, my payment would have been late and I may not have qualified for the plan.
Product: Credit card

In XXXX 2015 I received a phone call from the Macy 's fraud department concerning fraudulent charges on my Macy's/XXXX credit card . I told them I did not make the charges and I filled out a fraud complaint/affidavit attesting to this. Since then, they have sent me numerous bills and no follow-up on the fraud complaint. I have not paid any on it, because I was told that would be admitting liability. I have called the fraud department numerous times and they are not willing to help me. Recently, they closed my account and unbeknownst to me, my credit score pummeled. They are now in the midst having a collector contact me. I did not make these fraudulent charges and Macy 's has been aware of this ongoing problem, but were never willing to help me with it.
Product: Debt collection

hello I am writing prayin that you can do something about the ill manor in wich XXXX and experian are handeling an identity theft/fraud submission to them.The very same files that they are sayin were returned as accurate were deleted off of XXXX.What good does it do to file a police report and follow the outlined procedure where what is happening here was happening with the online disputes.I asked both bureaus to block the files while the investigation was on going as it wojuld not stay killing my score advising them of section 605b of the fcra and that is was my right instead of being helped i was greeted with attitude and no action.I haved tried to explain to them both that included in the police report were the names of gthe 2 perpertrators or at least thats who im sure of, and it is my mother and sister, and that of course if you ask these companies if the account is accurate they are going to say yes 1.they want to be paid 2.they do have XXXX XXXX information but the entire reason for the police report was a sworn statement punishable by jail where i stated it was not me they got the information from .They recieved it from people living in my house and its rather embarracing to have to keep going over the fact that my mother and sister have stolen from me like this i feel i am being made a joke all the while doing absoluly nothing i am including the accounts in question in pictures so that you may see the damage they are idley letting happen to my credit score daily I HAVE BEEN GOING ROUND AND ROUND FOR MONTHS I DID WHAT WAS ASKED OF ME SWORE A STATEMENT SAID I WOULD AIDE IN THE PROSECUTION OF THE PERPETRATORS, THEY TREAT ME TERRIBLE AND I FEEL LIKE IM BEING LAUGHED AT BY THEM FOR WHATS IS HAPPENED WHAT MORE DO THESE PEOPLE WANT FROM ME IF IT WAS THEM IN MY SHOES THEY WOULD UNDERSTAND THAT BEING WHO IT WAS WHO DID IT AND WHERE THERE WERE LIVING THE COMPANY JUST SAYING YES THE ACCOUNT IS GOOD DOES NOT HOLD WATER BECAUSE IM SURE THEY HAVE MY INFO THEY THOUGHT THERE WERE ISSUING CREDIT TO ME BUT KINDLY THEY WERE NOT I AM NOT THE FRAUDSTER PLEASE ENFORCE THIS AND HAVE THESE FILE DELETED PLEASE **********PLEASE LOOK AT THE PICTURES AND LOOK AT THE THAT IS BEING DONE THEY SHOULD HAVE TO CORRECT MY SCORE THIS HAS GONE ON 2 LONG WITH ME EXCLAIMING THAT I AM NOT THE FRAUDSTER, MY NEXT RECOUSE WOULD BE THAT I WILL HAVE TO SUE THEM FOR THE DAMAGE THEY HAVE AND ARE CURRENTLY DOINGITS MALICIOUS AT BEST AND BORDERLINE CRIMINAL
Product: Checking or savings account

My bank is in closing personal bank information to third parties intentionally delaying debit payments or transactions 4 days or even almost a week when they should come out immediately I already know that credit payments take more time. making me unable to access my online Mobile account giving me a hard time and delaying me when filing consumer disputes intentionally harassing me even when I go inside the bank I'm being harassed and bothered by personnel allowing my bank account payments to be adjusted and when I'm charged wrong and call back about it then they disappear but if I don't notice them they'll stay on there my bank needs to be contacted until I need to be treated fairly and properly if we violated my rights as a financial institution and financially harassing me. 
I bank with KEYBANK In Oregon
Product: Credit reporting or other personal consumer reports

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


FRAUDULENT ACCOUNTS : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this company several disputes to this company over the last year and they have not the any work on my credit file, they only come back with computer generated answers instead of investigating the information that I have ask to be asked to investigate. Also Transunion is stating I am using a third party to dispute my credit which is not true. I have taken to time to look over my credit report and mail off letters and Transunion is refusing to investigate my disputes. I last mailed in a disputed on XX/XX/2022 and get a letter dated XX/XX/2022, saying I didn't send proper documentation. I sent proof of identity many times I keep getting the same response complete that was very fast and I see they DID NOT INVESTIGATE any items I disputed I am working hard to insure the accuracy of my credit report and they refused to do their job. And the third party company XXXX that Transunion purchase information from, has informed me that they do not have any information in their system regarding a bankruptcy. I have attached the dispute and proof of delivery they recieve my dispute the letter that I received today XX/XX/2022.