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

I am writing to file a formal complaint against LexisNexis regarding their failure to delete incorrect information on my consumer report. Specifically, LexisNexis has continued to report a XXXX XXXX Bankruptcy that should not be present on my report.

I have already provided LexisNexis with proof from the courthouse confirming that this bankruptcy is inaccurate and should not appear on my report. Despite this, LexisNexis has failed to remove the erroneous information.

They are in violation of the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' It is my understanding that under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like LexisNexis are obligated to ensure that the information they report is accurate and up-to-date. They are also required to conduct a reasonable investigation when a consumer disputes the accuracy of the information in their report. LexisNexis has not fulfilled these obligations.

The continued presence of this incorrect bankruptcy on my report is causing significant harm to my creditworthiness and financial standing. I request that the CFPB take immediate action to ensure that LexisNexis deletes this inaccurate information from my report and confirms this deletion in writing.

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XXXX XXXX OR XXXX  Date Updated : XX/XX/XXXX Inquiries XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX/XXXX  XXXX wrong status PUBLIC FILINGS BANKRUPTCY : DISCHARGED CH-XXXX  XXXX inaccurate Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Credit card or prepaid card

I noticed a few days ago after reviewing my statement that there was a charge on my XXXX XXXX XXXX XXXX issued by Synchrony Bank. 

My personal laptop was stolen from my apartment and not sure who took it because I live with roommates and family. 

I immediately filed a dispute but no action was taken
Product: Mortgage

Bank of American can not provide assist me with my second mortgage that was charged off during the foreclosure in XX/XX/XXXX. I fought five year to keep my home in which the foreclosure was rescinded and I received a modification. First payment of the modification was XX/XX/XXXX. I tried to refinance last year due to the fact that my interest rate stayed the same ; 6.375 %. I was not going through BofA for the refinance. I was asked for the clear title for the second mortgage ; however, BofA can not provide me anything nor provide any assistance to how to get through this hurdle regarding the charge off. When I contacted BofA I was told that I could not refinance until four years of having the modification. However, I was told at BofA when I got my mod documents notarized I could refinance any time. The charge-off is to be removed from my credit report XX/XX/XXXX ( I have not check ) ; however, it still remains that I ca n't get any help on the charge-off of the second mortgage. I will be XXXX this XXXX and the high mortgage is creating a financial hardship. I could get some relief with a lower payment by refinancing and a lower interest rate. I fought to keep my house and those non-payments were added at the end of the modification, which I understand. I just want the charge-off cleared up so I can refinance. I really need some assistance in this matter. I wish I had known of CFPB when I was fighting to keep my home from XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report on XX/XX/2024, and I found that some addresses and other personal information to be incorrect. 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 15 U.S.C. 1681e ( b ). 

Equifax continues to report my name, my address, phone number incorrect on my credit report. I also have attached my letter ( Evidence ) that Ive sent XXXX in XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX 's credit card, which I used to make a purchase in XX/XX/2020. Typically I pay my card ahead of time, but with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. No one from XXXX 's or XXXX reached out to me. I didn't even know the card was issued by XXXX until I logged into my XXXX 's account online, realized I had missed 4 months of missed payments and called into their contact center XX/XX/2020. XXXX says I didn't receive a reminder for my payment or any notifications for a past due amount because XXXX still had my old information - which I was unaware of, and wondered why on earth they didn't have my updated information because : Before the pandemic, I had moved and updated all my contact information ( address + phone number ) associated with my XXXXXX/XX/XXXX account - or so I thought. No one told me that I needed to go one step further and update the info with XXXX. I thought I had taken all the responsible steps necessary. The credit card holder agreement does not spell out that the customer is required to take additional steps to reach out to XXXX and update their information. 

Therefore, all paper statements and outreach went to an old address, and calls went to an old phone number. XXXX claims they sent me statements electrionically, which they did, however, 1 ) the email statement comes from a XXXXXX/XX/XXXX address which went to a spam folder, and 2 ) this is not notification of a late payment - it is merely sending the statement electronically. If XXXX was reaching out using my old contact information with no success, they should have contacted XXXX 'XX/XX/XXXX to see if they had the right info. Furthermore, instead of syncing the information which I responsibly updated in my online account, they have told me that it is my fault that I didn't take the extra step to update XXXX. I wasn't even aware of XXXX - given the site is completely branded XXXXXX/XX/XXXX. 

I find this misleading and an unfair burden to the consumer because the card is 100 % branded XXXXXX/XX/XXXX and there is no mention of XXXX on the actual card, service phone number, etc. I was thoroughly confused by their lack of ability to sync customer contact information - and if that is not spelled out in the card holder agreement, how am I supposed to supernaturally know that I need to take the extra step of coordinating with XXXX, whose brand is not visible to me in any way through the management of my XXXX 's account. 

This is how these credit card companies keep a strong revenue stream - unfairly charging customers for fees, just because they have " policies '' to do so - without acknowledging their misrepresentation of the company I am actually dealing with, and how to manage my information with it.
Product: Credit reporting or other personal consumer reports

There were four hard inquiries placed on my credit report by four lenders, all happening around XXXX XXXX, on Thursday, XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX JP Morgan Chase XXXX XXXX I have contacted all three credit bureaus and demanded that these hard inquiries be removed immediately as fraudulent, and have had them place a freeze on my credit report, as well as a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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

THE OFFICE OF CHILD SUPPORT ENFORCEMENT IN XXXX XXXX, ARKANSAS HAS BEEN REPORTING UNTRUE INFORMATION ON MY CREDIT REPORT THEY ARE REPORTING MY CASE TO BE IN COLLECTIONS AND ALSO REPORTING MY CASE TO BE CLOSED WITH ONE CREDIT REPORTING AGENCY. I HAVE SPOKEN TO MY CASE WORKER AS WELL AS THE SUPERVISOR AND THE ACCOUNT SPECALIST WHOM ALL INSUED ME THAT MY CASE IS NOT IN COLLECTIONS AND I HAVE BEEN PAYING ON TIME AND THAT THEY WOULD GET THIS ERROR FIXED IT HAS BEEN OVER 4 MONTHS AND THE ISSUE REMAINIS I HAVE SPOKEN WITH THE CREDIT REPORTING AGENCIE WHICH ALL INFORM ME THE THE OFFICE OF CHILD SUPPORT IS IN FACT REPORTING THE ACCOUNT TO BE IN COLLECTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection item twice for XXXX XXXX with Experian. The first dispute was on XX/XX/XXXX. The most recent dispute filed was approximately XX/XX/XXXX and Experian finalized the dispute on XX/XX/XXXX. Once the dispute closed, the collection remains on my credit report and updated to XXXX, thus decreasing my credit score even more. I had sent XXXX XXXX a validation letter on XX/XX/XXXX prior to the re-dispute with Experian. They have not responded directly to me. However, in speaking with Experian 's dispute division today, ( XX/XX/XXXX ) I inquired about what proof of validation they received from the collection agency. I was told that XXXX XXXX responded with they do not have to provide proof of the debt. With that said, Experian still refuses to correct my credit report. The Experian Representative said they can not update my credit file even though the creditor refuses to validate the debt.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that XXXX credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX  XXXX Balance Owed : {$2500.00} 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

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Date : XX/XX/XXXX {$7700.00} I have provided Bank of America with extensive information to validate I am a victim of identity theft and that the credit card account ending in XXXX is not mine. Even though Bank of America 's investigation confirms that XXXX separate fraudulent accounts ending in XXXX, and XXXX were opened in my name and were used with the fraudulent Bank of America credit card ending in XXXX they refuse to delete and suppress the account from my record. 

Bank of America concludes that the XXXX is valid based on transactions made to the XXXX XXXX XXXX XXXX and XXXX Card, however, both of the accounts at those institutions were closed and updated accurately on my credit reports once the research revealed my information was compromised due to the XXXX XXXX XXXX and XXXX data breach which I was a victim of. Bank of America was provided with FTC and police reports confirming these findings. 

Based upon the XXXX and XX/XX/XXXX statement for the XXXX Bank of America has provided me with, a vast majority of the transaction occurred in XXXX XXXX and parts of New York I have never resided in. I have also provided Bank of America with valid proof of residency that match what is reflected on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXTER FINANCE LLC WAS PAID IN FULL IN THE AMOUNT OF {$24000.00} ACCT # XXXX DATE OPEN XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix the problem with my consumer report with this company and I have been denied for many things regarding my credit. This is a defamation of my character. These are the following accounts below. 


XXXX XXXX XXXX  XXXX-Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX-Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account # XXXX
Product: Mortgage

NewRez mortgage company has used predatory language and tactics seemingly in an effort to intimidate us and force late payment charges on us. 

On XXXX we contacted NewRez customer service to make the XX/XX/XXXX payment in XX/XX/XXXX. The representative, XXXX informed that he would need to turn off our automatic payment for a few days in order to make the payment early. He said that he would turn automatic payment back on in 4 ( four ) days. 
On XX/XX/XXXX we received an email from NewRez stating that we had missed two payments. That same day we logged on and made the payments. We called customer service and were told by XXXX that because earlier in the year we had responded to multiple NewRez emails regarding 'lowering our interest rate, ' the rep we spoke to, stopped our auto payment. We were told that was because we used the term, " Loan Modification ''. 
Later in XXXX, after we had made our loan current, we received a letter threatening foreclosure. We called ( XXXX ) and the rep was hostile, threatening to collect the debt and foreclose. She informed us that we would be reported to the credit bureaus and our credit would be damaged. It was frustrating, unnecessary and demeaning. We explained what we had been told by XXXX and then were told that a XXXX would get with us within 48 hours. No one called. We called back and the service rep was hostile again, reminding us that we owed a debt and they were collectors of debt! I asked for a XXXX. The XXXXXXXX said they would review the previous calls and I would have to call them back. They have made no effort to help. He also told me that our auto pay was still off even though we had logged in and turned in back on. We called again XX/XX/XXXX and spoke with a supervisor. The supervisor said that they were updating the report to the credit bureau. He also said that our auto payment showed to be 'on ' and working. 
Today, XXXX our payment should have auto paid. We checked and it did not. We called customer service. We were told that they could see that the auto payment was set to on but did not work today. We were also informed of 'past due ' penalties that have been charged for late payments. The late payments happened because NEWREZ is inept or their system does not work or worst of all, they are predatory.

This has been a horrible experience. NewRez has messed up our auto payment system, has treated us like criminals, and now they are charging us late charges. We always pay our mortgage payments. There was no advantage to us to skip or delay a payment.
Product: Debt collection

Applied for Care Credit, Selected 24 month no interest option. Neither the veterinarian office, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, United States, or Care Credit contacted me to let me know, the loan could only be accepted as a 6-month no-interest loan. 

They never mailed paper statements, although they claim I enrolled. 

They have failed to communicate in an adequate fashion. 

The same problems from XXXX arose in XXXX, Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredits limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 

Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a XXXX percent interest rate. 

I also noticed in research Care Credit failed to act in accordance with the ruling that was ordered on XX/XX/XXXX which states : Representatives will contact most CareCredit consumers within 72 hours of the initial transaction to explain the product to them over the phone. In addition, for certain transactions of more than {$1000.00}, consumers will enroll directly through a CareCredit representative and not through the doctor or dentist office representative. 

I received no contact in that time frame or later. 

Care Credit is still engaging in deceptive and harmful practices, preying on people in their most vulnerable moments as they are either in pain, watching a loved one in pain, or perhaps even fighting for their lives. 

This simply can not be allowed to continue and oversight to this despicable organization must come swiftly and harshly as they have placed profit over the person in the vilest, most predatory, and the dirtiest way you can, by taking advantage of people in their most vulnerable state.
Product: Student loan

I  was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of   XXXX   XXXX   60 days past due as of   XXXX   XXXX   30 days past due as of   XXXX   XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$170.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX