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

XX/XX/XXXX I received my XXXX consumer report and LexisNexis Risk Consumer Center & LexisNexis Solutions Inc. is still reporting Bankruptcy in the public record section of my XXXX consumer report. Even though Bankruptcy maybe public record BUT for it to be reporting to my consumer report, I must give them my written permission and I never gave them my written permission. According to 1681b- they have violate my rights. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LexisNexis Risk Consumer Center & LexisNexis Solutions Inc. has violate my privacy act accord to privacy act of 1974. The Privacy Act of 1974 states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I have provided attachment with proof of privacy act 1974, proof from Delaware Courts don't report Bankruptcies to consumer reporting agencies, and i have proof of my spouse letter for South Carolina Bankruptcy court states that don't report to consumer reporting agencies..
Product: Debt collection

A " letter from XXXX-First Data Credit Card Transactions Clearing Service named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX or XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XX/XX/XXXX-XX/XX/XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in Sen. XXXX 's Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from XXXX XXXX XXXX for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX-First Data offers self-opposing facts, untruthful information & no useful service.
Product: Vehicle loan or lease

I found that your lending practices are discriminatory against XXXX XXXX XXXX. I attempted to get a loan through Carvana and got approved for XXXX down. After uploading the appropriate documents ( submitted my 3 month income statements, my drivers license, and preparing to get insurance on the vehicle ) I was told that my income could not be accepted. Your current policy as it stands unfairly discriminates against me and other XXXX XXXX XXXX
Product: Credit card or prepaid card

I had tried to dispute this bill of {$41.00} but CAPITAL ONE customer service didn't want to listen. Therefore I files a compliant with CPFB # XXXX when I files the charge was more than the amount above so Capital One did credit some. 
I recached out the the merchant last year but never heard back from them, XXXX make the contact for you since its a third party purchase and then the merchant was to contact me but it never happened. The current balance is {$41.00} amount in dispute {$0.00} Interest and {$28.00} late free applied while I am disputing the charge of {$41.00}. 

The actual amount was {$41.00} I called Capital One to dispute again today the chick ask for my DOB after I was identified through automated system. Heck no unacceptable.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
Experian reporting : Fraudulent inquiry- XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TN XXXX... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX reporting : Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX
Product: Money transfer, virtual currency, or money service

I Placed money order/check ( {$900.00} ) to pay mortgage for property that I'm buying. The company I got this check from is called Sigue. The person I'm purchasing the property from tried to deposit money order/check but it was denied. I tried to get my money back but the company said they couldn't return the money.
Product: Credit reporting or other personal consumer reports

The following account must be removed by Equifax being reported on my credit report. XXXXXXXX XXXX XXXXXXXX was removed from XXXX XXXX therefore it could not verify the account so how did Equifax verify the account. Please forward all documents that shows how Equifax verified the account from XXXX XXXX XXXX Account Number XXXX
Product: Credit card or prepaid card

On XX/XX/20 I purchased {$520.00} worth of XXXX XXXX  via a website. When I tried to reach the company to receive shipping confirmation, I found out that the website was fraudulent. I immediately contacted the Bank issuing the credit card and disputed the charge. After a good amount of time passed, I received notice from the credit card company that my dispute could not be resolved could because the seller had provided tracking information. I later received a key chain from XXXX which has almost no value. 
I provided this information to the Card Issuer and was told a new dispute would be filed and the charges would be removed from my account. Once again I received a form letter from the Card Issuer saying my dispute could not be resolved because the item ( Key Chain ) was still in my possession. I have disputed this several times and was told each time that it would be resolved, only to receive the same form letter from the Issuer.

I am a victim of fraud and the bank refuses to do anything further to help me.
Product: Debt collection

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & today XX/XX/2021. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Debt collection

I tried to contact the company multiple  times XXXX. The phones lines are not working
Product: Credit card or prepaid card

I closed an account associated with Comenity Bank. The last payment was suspicious, but I paid it in order to close the account. I recently received and email see below for an account I no longer have XXXX  XXXX What they will then do is charge me for a returned payment fee or some other fraudulent claim : One-Time Payment Step 1 : Select Payment Details Please submit payments for todays date by XXXX XXXX. Eastern Time ( ET ). 

Select Payment Amount Minimum Payment : {$6.00} Pay this amount by your due date to avoid late fees and keep your account in good standing ... 


Statement Balance : {$6.00} Current Balance : {$6.00} Other Amount : $ Save on Interest : Select to Calculate Payoff Balance : Select to Calculate Select Checking Account XXXX  ... XXXX There was an error with XXXX  ending in XXXX. 
Select Payment Date Due Date by XXXXXXXX XXXX ET : XX/XX/2021
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 : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account XXXX Account Name : XXXX Account Number : 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 was informed that a Bankruptcy public record information was placed on my credit file. so I contacted the courts via US mail to verify that they had updated my credit report with this information the clerks response was that the courts DO NOT verify individuals case information and that third party companies also know as furnishers research consumers information and sells it to credit reporting data companies such as XXXX whom then supplies it to TransUnion, XXXX, XXXX. Also I contacted PACER ( Public Access to Court Electronic Records. The credit Bureaus investigated and stated that the courts verified information. This is not true and it needs to be removed from my credit file I never gave anyone written permission to place any of this information on my credit and according to the FAIR CREDIT ACT statutes and regulations it must be removed immediately from my credit Report
Product: Checking or savings account

Someone stole my phone and wallet in my backpack while unlocked. Then they made transactions I did not approve. {$2500.00} and {$1000.00} of money that I did not authorize to be spent. I filed a claim and they denied it. Even though it was in a complete different state!!
Product: Mortgage

Tried calling Freedom Mortgage to see if they can help during the COVID-19 pandemic and they are only offering forbearance but you have to pay it back after the three months in full. How can somebody pay back three months all at once if youre having troubles already financially due to this pandemic they should be able to willing to put it back to the loan and extend it like other mortgage companies are doing Terrible service
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX  XXXX. They ran my credit for XXXX XXXX XXXX, Ally Financial ( twice ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against XXXX XXXX XXXX, XXXX, XXXX, Equifax. <P/>For the last 2 months I have filed more than 2 disputes against XXXX XXXX XXXX, reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved. <P/>I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX XXXX to date. Today I received another letter from XXXX stating that XXXX XXXX XXXX has properly investigated my balance and is still reporting my balance as {$19000.00} since XXXX 2017 ( recently updated in XXXX the same balance. I also received an alert from XXXX that my balance is {$19000.00} and has been so since XXXX, 2017 I continue to send the same documentation to the XXXX, XXXX and Equifax ; I have called XXXX XXXX XXXX and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from XXXX, XXXX and XXXX as you can see the statement dates are the XXXX of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation. <P/>I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. <P/>Thank you for your assistance. <P/>Sincerely, XXXX XXXX
Product: Debt collection

I have been receiving excessive and harassing calls regarding my Amazon bill, despite having overpaid my balance. I have repeatedly requested a review of my account to confirm the overpayment, but my requests have not been honored. Instead of addressing this issue, I continue to receive relentless collection calls, which have become both stressful and unwarranted. I am requesting immediate resolution, including a full review of my account to reflect my overpayment and a stop to the unnecessary harassment. Removal of negative reports from all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the account with NATIONAL CREDIT ADJUST inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Chex Systems About this account being fraudulent and have submitted the proper documentation and the following bureau has refused to remove the account stating the information is accurate. I have submitted information that my address was never in a city which was stated in Kansas. The account was reported is as follows XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .My name is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I AM SELF EMPLOYED AS XXXX XXXX XXXX XXXX. 
DBA XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

on XX/XX/year>XXXX  a letter was sent to XXXX to have some misinformation reporting on my report in regards to incorrect addresses amongst other things. I have mailed them and have yet to have my request processed.
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere i have shown proof, Equifax refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.
Product: Credit reporting or other personal consumer reports

SPRING OAKS CAPITAL LLC is in violation of multiple laws set forth by Congress in regards to the following account # ( XXXX and XXXX ) reporting to XXXX. 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( SPRING OAKS CAPITAL LLC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit reports from XXXX, XXXX, and TransUnion that have not been resolved despite submitting disputes to the credit bureaus. These errors include incorrect reporting of late payments, charge-offs, and account closures. Specifically : XXXX XXXX : This account was reported as a charge-off, but the charge-off date is incorrect. The account was settled in XX/XX/XXXX, but it is still reported as a charge-off through XX/XX/XXXX. 

XXXX : There are inconsistent late payment reports for XX/XX/XXXX. TransUnion reports the account as 60 days late, while XXXX reports it as 30 days late. 

XXXX of XXXX ( XXXX ) : Multiple accounts under XXXX are reporting XXXX late payments for XX/XX/XXXX, but the reporting of prior months ' statuses differs across bureaus ( some report " OK '' while others show " Unknown '' ). 

XXXX : This secured loan account was settled in XX/XX/XXXX, yet the derogatory status continued to report until XX/XX/XXXX, which is inaccurate. 

Capital XXXX : This credit card was closed due to inactivity, but there are discrepancies in the reporting of the last payment and activity dates across the bureaus, leading to inaccurate reporting. 

I have contacted the credit bureaus to dispute these inaccuracies, but they continue to report conflicting information. I am requesting that the CFPB help facilitate the removal of these errors from my credit reports as they are impacting my creditworthiness. 

Actions taken : I submitted formal disputes with each of the credit bureaus regarding these inaccuracies. 
I provided supporting documentation to the bureaus, including settlement confirmations and payment records, to prove the errors. 
Despite this, the errors remain unresolved. 

Disputes were submitted to the credit bureaus all of XXXX The inaccuracies date back to between XXXX and XXXX, depending on the specific account.
Product: Student loan

I 'm a holder of student loans through navient formally XXXX. Over the past six years they have refused any lower payments. It 's to the point that I pay more for student loans each month than I do in rent. That 's outrageous. They either claim that they do n't offer this, that 's not available, or my payment is as low as possible.
Product: Credit card or prepaid card

When I received my credit report. I was blown away when I say late payments on these dates : 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me. Please help me understand because I 'm clueless of how this can happen.
Product: Debt collection

XXXX XXXX is a third party collection agency I have been repaying my school loans. In the last few weeks, they have called my place of employment repeatedly despite them being told not to call. The last time they called a woman by the name of XXXX XXXX was rude to the staff. This is unaccpetable, especially since I make monthly payments! Besides, it makes absolutely no sense to get someone fired from their job where they make money if you want money from them!!! And i do pay them monthly!