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

Applied for auto insurance. Provided full information. Lexis Nexis sent report listing " negative information '' that may have resulted in being denied for auto coverage. Never had a claim. All past insurance carriers national companies. There should not be anything negative in our Lexis Nexis report. I have called multiple times. Submitted the only request for copy and mailed via US Postal service a copy of my consumer Lexis Nexis report. Now they state they have no record, despite my sending the file number ( per Lexis Nexis ). 
What to do? Insurance hard enough to get in Florida. And here I sit with auto premiums 100 % high than they were in Pennsylvania, well okay. But current provider XXXX continues to raise my premiums based on this false report that Lexis Nexis states - Does not exist! 
Very Sad! : (
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 SHEFFIELD FINANCIAL, opened a unauthorized and unrecognized inquire on my XXXX account. I have no knowledge of this account.
Product: Credit card or prepaid card

I was not aware or informed of the closure of my Chase Freedom Account until I tried to make a purchase and was very upset because of the inconvenience. This closure has also had an affect on my Credit. I am a single mother of 4 and work hard. I've had financial hardship and I have still been making payments once and sometimes twice a month. I have scheduled monthly payments as well with a Chase representatives to pay down my account balance and none of the Representatives is able to tell me the date of closure and the reasoning why the account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been victim of fraud someone open a XXXX card account in my name and its reporting negatively on my credit report. The other bureaus has fully complied and removed the account accordingly. TransUnion and XXXX has yet to provide me with any signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send bill and say its mine. Which is unfair. According to the FCRA, TransUnion and XXXX has violated my rights as a consumer and Im requesting legal action to this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, You have no permission to furnish any information on my credit report in the first place. If you do not have a contract with my wet signature, please DELETE this account. See attached proof. 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting 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 correct.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. XXXX sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, Equifax sent me a letter stating that the investigation results would be removed. And XXXX never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.
Product: Mortgage

My username and password has changed somehow so I can't make a payment. I try to reset my username and password but the website is asking for information I don't know or don't have in order to do it. So, I try to call them and I'm put on eternal hold and can't get through to an actual person. Meanwhile, I'm 2 months behind and have absolutely no way of paying my loan payments.
Product: Student loan

I received a notice this week that my loan has been accruing interest. It was clearly stated before that if you were on forbearance due to government problems being able to collect correct amounts under the Saves act that no interest would accrue. This was emailed and also its publicly on the web. Im not in forbearance by my own request. Mohela automatically put me in forbearance and stated they could not properly collect payments at this time. I need any money Ive been charged in interest returned. I had other questions about my student loan several months ago and I didnt get a reply for 3 months so Im sure I will not hear back without filing a complaint. The student loan system is severely broken and there needs to be better communication and service. It is impossible to speak to anyone and even if you contact through email like they suggest they dont respond for months. No other businesses, other than government agencies, are allowed to have such poor service.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I received a wire to my checking account and I wired that money to my crypto bank account it was authorized then the next day it was cancelled they asked where the wire was going and why and to who and why. I told them everything they needed they concluded I was involved in crypto scam and now account was in an investigation which lasted 6 weeks after which time I received an email which was on XX/XX/year>2024 that stated we have concluded the investigation and your account will be closed. On XXXX I received an email stating a change in account status that my account has been closed.I asked that the original wite please be refunded to the original sender. I also had the original sender have his bank send a refund wire request as well 3 times and with no reply to his bank from my bank. I call every day except the weekend and if it was a holiday and ask same question checking to see how much longer it will take for the original wire to refunded to the original sender I even got a reference number and gave that to them as well from the senders bank. After speaking with several different people over the many days I always get the same response no updates and no time frame and we can not tell you that. I just am very disappointed in the lack of information one can not receive its very frustrating.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXXXXXX XXXX  XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I have several hard inquires on my report that i don't recognize 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my XXXX credit report on XXXX XXXX, 2017 and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XXXX XXXX, 2017 at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.
Product: Credit reporting or other personal consumer reports

I had Federal Direct Student Loans, serviced by XXXX, that were fully discharged ( now a {$0.00} balance ) by the Department of Education XXXX DOE ) through their one-time XXXX adjustment in XX/XX/2023. However, XXXX continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last XXXX monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even XXXX shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/2023. TransUnion even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when XXXX 's last feed came through, TransUnion reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited XXXX 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) XXXX will continue to misreport a positive balance to the credit bureaus for the foreseeable future.
Product: Credit reporting or other personal consumer reports

I am processing disputes on my credit report to delete a remove all information listed on my credit profile that has been listed as identity theft. this has caused major delays and does not follow FCRA compliance. all of the accounts listed are invalid. please delete an remove all accounts listed asap to help clear my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

un approved credit inquiry and fraudulent credit cards issued. 
XXXX XXXX XXXX had to cancel XXXX fraudulently opened credit cards in my name. 
need to request instant freeze for all reporting agencies, XXXX, trans union, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a phone call from XXXX XXXX, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXX I received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called XXXX XXXX on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that XXXX XXXX  reported my mortgage account as delinquent 90-119 days past due. I then placed a call to XXXX XXXX and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to XXXX XXXX regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that XXXX XXXX has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT ABOUT THREE TIMES IN THE LAST FIVE YEARS AND HAVE ALERTED THE CRA. THERE HAS BEEN NUMEROUS FRAUD ALERT PLACED ON MY CREDIT FILE DUE TO THIS. MY MAIN PROBLEM WITH THE CREDIT REPORTING BUREAU IS THAT THEY HAVE REFUSED TO DELETE THE ENQUIRIES EMANATING FROM THESE FRAUDULENT ACTIVITIES.
I CALLED ALL THE BANKS AND OFFICES THAT ACCESSED MY PROFILE ABOUT THE UNAUTHORIZED ENQUIRY. I HAVE ALSO ASKED INFORMED XXXX FOR A DELETION OF THESE ENQUIRIES WITH NO SUCCESS.
FIND BELOW THE INFORMATION OF THE UNAUTHORIZED ENQUIRY : 1. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3.XXXXXX/XX/XXXX ( Bank can not find any record of this inquiry ) 4 Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5.XXXX : :XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am going through a domestic abuse situation and need the full contents of my bank statements from the time I opened my account until now. Wells Fargo does not let customers view online ledgers past 18 months at all, and then charges {$5.00} per month if statements previous to the 18 month period are needed, or if they are printed at a branch. 
They are denying customers access to their own information, and then charging for the 'privilege ' of obtaining it when they ultimately have to contact Wells Fargo !
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

upon reviewing my credit there are inquires that are made without my permission this is not correct and fraud i never applied for any credit with any of these companies Transunion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Transunion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.