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

Lexus Nexus is fraudulent, they can not locate anything in file and things that were disputed they cant locate as well, I am giving the run around. 


This company is reporting inaccurate information constantly. I demand these things get remove as soon as possible. 


These are the documents I have, in also missing a letter that was sent to me via mail from Lexus nexus stating it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( THE FCRA ). Credit Acceptance Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account # XXXX XXXX XXXX account # 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: Credit card

At times I get an email from Discover to update income information. From my understanding, this is optional but the wording makes it sound like it is required by law. 
I previously contacted Discover about this but they seem to be ignoring me.
Product: Debt collection

I am writing to express my extreme frustration and disappointment regarding the fraudulent accounts that have recently appeared on my credit report. I demand your immediate attention and action to rectify this situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your organization fails to address this matter promptly and effectively, I will not hesitate to pursue legal action and file complaints with the relevant authorities. The impact of these fraudulent accounts on my financial reputation is severe, and I will not tolerate any negligence on your part. Your immediate attention to this matter is non-negotiable. Failure to comply will result in severe consequences, and I will not hesitate to escalate this issue through legal channels.
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. 

Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX todays date XX/XX/year> Account info Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX I am writing to request validation of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of this debt. Please provide the following information : XXXX. **The amount of the debt** : A detailed breakdown of the amount you claim I owe, including any fees or interest. XXXX. **The name of the original creditor** : The name and address of the original creditor to whom the debt was owed. XXXX. **Proof of the debt** : Documentation that shows I agreed to pay the debt, such as a signed contract or agreement. XXXX. **Verification of your authority** : Proof that you have the legal right to collect this debt, including any documentation that shows the transfer or assignment of the debt to your agency. Please consider this letter a formal dispute of the debt until you provide the requested information. Additionally, please cease all collection activities until this debt has been validated. Thank you for your prompt attention to this matter.
Product: Debt collection

Subject : Dispute Regarding Improper Reporting of Paid Debt Dear CFPB I am writing to formally dispute the reporting of my account with Metro Collection Services. According to my records, I have paid the debt associated with this account in full. However, it has come to my attention that Metro Collection Services has reported this account as charged off, which is inaccurate and misleading Details of the account are as follows : - Account Number : XXXX - Creditor : Metro Collection Services - Amount Paid : XXXX - Date of Payment : XX/XX/year> Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. I request that you investigate this matter and correct any inaccuracies in my credit report to reflect that the debt has been paid in full, rather than charged off Please confirm receipt of this dispute and inform me of the outcome of your investigation Thank you for your attention to this matter Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have reached out to Experian regarding XXXX accounts that they continue to report incorrect information from them. I have provided proof to the creditors as well as, Experian. Still Experian continues to report this information alleging they have verified it despite the proof that I have provided them ( see attached ). This has prevented me for going forward with restore my credit. These accounts are reporting my Chapter XXXX BK filing incorrectly. My filing date was XXXX/XXXX/XXXX. They continue to report it as XXXX XXXX with past due amount. So and report that I have been delinquent for the past 3 months. This absolute false and is intentional. Prior to filing, XXXX/XXXX/XXXX I was never later not missed any payments, however, these creditor were notified at the time of filing and simply did not show up at the creditors meeting nor did file information with the courts to be included in the wage earner plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out and placed a complaint with the cfpb about XXXX or XXXX weeks ago. About the fact that the credit reporting agencies failed to respond to numerous letter that had been sent. XXXX sent on the XXXX and another on the XXXX of XXXX. Many letters were sent before that but these are the XXXX I would like to focus on because these are the XXXX I made complaints. About. The agencies are required to respond within 30 days and they did not in fact I made that co plaint to the cfpb and during the investigation time that's when they decided to send letters but their 30 day period to respond had already finished I would like the cfpb to require these agencies to remove my information since they have not been able to verify the necessary accounts listed under my name.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XX/XX/XXXX- XXXX - XX/XX/XXXX - {$160.00} XX/XX/XXXXXXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

My vehicle was repossessed and I called immediately to ask why as I had a payment plan in place. They said it did not matter and the repo was valid. I paid the past due amount via XXXX  XXXX and rented a trailer to pick the vehicle up only to be told by the storage facility that the vehicle had been sent to auction because ally failed to send a redemption notice. Now Im being told by the auction that they do not have the release and they close in 30 min ( XXXX ). So on the phone again with ally who says they did not show it was moved in their system. Now Ive paid for my car but can not get it until Monday even though it was never supposed to be picked up in the first place.
Product: Mortgage

To Whom this may concern, It happened again today, ( XX/XX/2021 ) at XXXX XXXX my husband got a call regarding a refinance on our home. Rocket Mortgage calls several times a day and typically he either doesn't answer or he hangs up on them. But because they called at XXXX XXXX, he answered and thought there was a problem in our family. The woman was very aggressive and spoke to him for 52 minutes. My husband is XXXX and does not make financial decisions for our family. He is an easy mark because he gets confused and believes what people tell him. They call daily, even on the weekend some days up to 5 times a day. 

They don't listen to him saying " No '' they just keep calling. I think this is very aggressive sales tactics and Elder Abuse. I have spent half the day talking to him about this sales tactic and he finally admitted that they confuse him. This must stop. Please have Rocket Mortgage stop calling us to refinance. We already have a mortgage through them and that is enough. 

I don't know what else to do but to complain. Please make it stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an address XXXX XXXX XXXX XXXX Florida XXXX and an employer named XXXX XXXX XXXX  that I never lived or worked for someone else has gained access to my credit report back in XX/XX/2022 and it wasn't me the only person I know lives in XXXX is my ex husband and his girlfriend I have been in Georgia for four years
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a social security number leak on XX/XX/XXXX with up to 143 million people involved in the U.S. As of now, XX/XX/XXXX, I am not sure I have been affected. This is extremely worrying to have your SSN available to be used for identity theft and fraud, considering that Equifax is supposed to keep our SSN 's safe.
Product: Mortgage

Wells Fargo stated in their response to my complaint # XXXX the following : " Regardless of whether you provide additional information, we are outside of the regulatory mandated timeframe in which we must respond. '' Is it Wells Fargo 's intention to be uncooperative within the CFPB complaint process? 
I have a question about the XX/XX/XXXX letter Wells Fargo inserted in their online response where it is stated " Our records indicate that your loan is in default for failure to make payments due. '' I disagree with that assertion and it is a desperate attempt by Wells Fargo to use their letter to distract from my research which proves there was no payment delinquency or justification for a payment increase. Since Wells Fargo has introduced this letter, the burden of proof of missing payments is on the bank. What payments were missing? 
Wells Fargo mailed me a letter dated XX/XX/XXXX which included an attached check for {$200.00}. Wells Fargo admitted an error may have occurred We apologize for any inconvenience this caused. Since Wells Fargo has admitted an " error '' had occurred '' and provided a check for financial acknowledgement, the error qualifies me under Section 28 of the Consent Order as a victim. Unfortunately, the {$200.00} check is not an acceptable amount to make me whole and will not be cashed. It is woefully inadequate to compensate me for the loss of my home which has a current market value of {$650000.00}. 
In addition, under Section 79 of the Consent Order, Wells Fargo agreed to help the Bureau determine the identity and location of, and the amount of harm sustained by, each Affected Consumer. Is Wells Fargo going to comply with the Consent Order and formally declare me as a victim to the CFPB Enforcement Officer?
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

Great American XXXX XXXX ( XXXX ) sent consumer a settlement offer to remedy account # : XXXX in the amount of {$1400.00}. Consumer used a credit card to pay the amount of {$1400.00} on or before XXXX XXXX 2016. Consumer was promised that if payment was received by that date Great American XXXX XXXX would report to all XXXX major credit bureaus the payment and remedy consumers account. Consumer sent payment by credit card ( confirmation number : XXXX ) and continues to receive past due statements requesting payments in the amount of {$84.00} for the account referencing # : XXXX. Consumer wants the account credited the amount promised and closed as promised by Great American XXXX XXXX ( XXXX ). Consumer has paper documents to verify the interaction and will mail those documents to the Illinois Attorney General 's Consumer Protection Division of XXXX office and cite fraud and extortion as there are numerous complaints online to verify this type of fraudulent behavior from many consumers who have interacted with Great American XXXX XXXX Consumer wants Great American XXXX to either return the money of notify the XXXX major credit bureaus that the debt has been satisfied and is no longer viable as promised.
Product: Consumer Loan

I made a request to Banco popular XXXX times-one by phone, XXXX in person and XXXX by fax to change my ACH debit account number. Nothing was done. They continued to take the monthly payment from the account that I no longer wanted them to use. Last month, They took my payment XXXX {$120.00} XXXX from the old account and a week later they took an additional {$48.00} from the new account. I called customer service on XXXX/XXXX/16 and I was instructed by an employee named XXXX to fax statement screenshots to start an investigation. After I faxed the documents that day, an auto email was sent acknowledging receipt. but I have not heard anything from " XXXX '' nor have I received any resolution or even a timeframe of when the issue would be resolved. In addition to the unauthorized amount of {$48.00}, my financial institution ( also my employer ) charged me an insufficient funds fee of {$35.00} ... Changing the ACH account number has been such an execise in futility, that I no longer want the change. I am in the process of closing the new account for fear of Banco Popular is using my number to pay another client 's loan. I usually receive a monthly notice of the payment for the regular amount but did not receive XXXX for the mysterious {$48.00}. I can only assume that my account information went to the wrong person. This fiasco started on XX/XX/2016 when I walked into the XXXX XXXX branch to make the second request.Months earlier, I called XXXX but no forms were ever sent to me as promised.
Product: Credit reporting

I am XXXX years old. I have been using banks all my life. I had trouble paying my bills sinceA divorce and XXXX. 
I could not get credit until recently. All my debts have been paid through payroll deductions. 
I have bought a home and I do have some credit. 
It seems that both Equifax and XXXX do not have this on record. 
They say that I have a credit history of 6mo. And 3yrs. 
I have been paying both NEw York Dept ofSocial services for 20 years and have payed them much more then theReq {$210.00} per moI also paid IRS the full amount after they realized I was on XXXX. 
I have paid all debts and I think I should not have a 1-2 year history and a remarkThat I do n't pay on time.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX XXXX XXXX XXXX Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

Attached, are the copies of the documents related to my previous complainXXXX.
Product: Vehicle loan or lease

I WAS PROVIDED A COVID RELIEF EXTENSION THAT WAS FOR TWO MONTHS. I WAS ADVISED IT WOULD BE GRANTED FOR THE MONTH OF XXXX AND XXXX WHICH WAS MISCOMMUNICATION ON THE REPRESENTATIVES BEHALF. ME BEING MISINFORMED LED ME TO MISSING XXXX PAYMENT BECAUSE THE EXTENSION WAS ACTUALLY FOR THE CURRENT MONTH XXXX AND THE NEXT MONTH XXXX. IT WAS A COMPLETE MISCOMMUNICATION AND AS SOON AS I WAS NOTIFIED OF THE LATE PAYMENT I IMMEDIATELY PAID THE BALANCE TO CURRENT STATUS. I HAVE REACHED OUT EVERY SINGLE DAY TRYING TO FIX THE NEGATIVE MARKING ON MY CONSUMER REPORTS AS I BELIEVE THEY ARE INACCURATE. NO ONE CAN SEEM TO HELP OR FIX THE PROBLEM I HAVE PAID MY LOAN ON TIME SINCE XX/XX/2019 WHEN I RECIEVED THE LOAN. I HAVE NO LATE PAYMENTS ON MY CREDIT REPORTS OTHER THAN THE MARK FROM MY THIS PARTICULAR ACCOUNT. CAN THIS LATE PAYMENT PLEASE BE REMOVED FROM MY ACCOUNT AS I WOULD ASSURE YOU IT WILL NEVER HAPPEN AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

My client is been trying to dispute various items from his Equifax credit report, but the company has not responded. We have sent multiple letters and warnings since XX/XX/XXXX, however, the company has not communicated with my client. We sent letters requesting the dispute of some accounts on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By today XX/XX/XXXX Equifax has still not responded to any of our letters.
Product: Payday loan, title loan, or personal loan

I was behind on some bills in XXXX so I searched online for loans from companies like XXXX who have fair lending policies. Minto was recommended so I applied and was approved for {$1200.00}. Neither the annual percentage rate for this loan nor the repayment amount was written upfront on the screens for this loan application online when you get the message your approved. It wasn't until after I signed and received the loan that I saw the repayment agreement buried in the loan forms emailed to me. I have paid over {$1200.00} at this point and the loan agreement says the repayment amount is {$7500.00}
Product: Mortgage

I called Suntrust and asked why there was a {$15.00} fee on my account. They told me that it was because they faxed a payoff to someone but could not tell me who. This is ridiculous that they just provide my info to anyone that calls in, and can not even tell me who it was.
Product: Credit reporting or other personal consumer reports

I have requested removal of inaccurate information over 5 times from my report. Company never updated with accurate information. No proper investigation was ever done.This has caused me to be denied credit, employment, and tarnished my reputation due to inaccurate information. I am requesting that this account be deleted from my report asap. The pay history is incorrect and incomplete. The payment term is incorrect. The balance is incorrect. The payment status is incorrect. the payment amount is inaccurate. This account had caused me personal hardship and needs to be removed from credit report due to inaccuracies. XXXX XXXXXXXX Washington XXXX XXXX ) account # XXXX
Product: Checking or savings account

Kept getting overdraft fees because of posting time and dates seems like it was purposely post in time for overdraft fees
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Wells Fargo for the unauthorized disclosure of my personal financial information from one account to XXXX XXXX XXXX XXXX XXXX. This disclosure included XXXX specific transactions and the status of my account, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by Wells Fargo and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect Wells Fargo to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.