23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my LexisNexis consumer credit report and when I received it, I notified Lexis Nexis of a bankruptcy that was on my credit report that I did not recognize. LexisNexis sent me a letter stating that they had done an investigation and it was verified and being reported accurately. PLEASE SEE THE ATTACHMENT. So, I contacted my local courthouse and questioned them why there was a bankruptcy being reported to Lexis Nexis that I had never filed. They responded and sent me a letter stating that they never sent anything to LexisNexis. PLEASE SEE THE ATTACHMENT. I sent LexisNexis the letter that the courthouse sent me and asked them to provide me the detailed of their investigation, but they never responded. On XX/XX/2021, I sent my 2nd request to LexisNexis via certified mail via USPS XXXX XXXX XXXX XXXX XXXX asking them where they get this information to verify it? And with whom they speak with? and as of today they still have not responded. It has been more that 90 days and still the bankruptcy is still being reported. It's crazy that LexisNexis would stoop so slow and violate peoples consumer rights. In this matter, according to 15 USC 1681b ( 2 ) No permissible purposes of consumer reports/ no written instruction, Lexis Nexis did not have permissible purposes to report this negative information. They have also violated my right to privacy according to 15USC 1681 ( a ) ( 4 ). The fact that they claim the courthouse gave them this information is another violation according to 15 USC 1681a ( e ). LexisNexis never contacted me, never conducted any personal interviews with anyone related to me or any of my associates concerning this matter. Again, this has been going on more than 90 days and the matter is still not resolved.
Product: Bank account or service

Chase has been charging me excessive overdraft fees and NSF charges when I asked them not to let the charges go through as I felt my information may have been compromised before. How can I be charged {$40.00} in NSF and overdraft fees for a {$5.00} or {$9.00} charge. What is the point of doing that? Excessive bank charges for profits is unfair.
Product: Checking or savings account

Ive received a monthly pension check from XXXX for 11 years on the 1st day of every month. BMO recently bought out Bank of the West and on the very first month of taking over my check was not automatically deposited. When I called C/S I was told I would have to wait until XX/XX/XXXX to access my money because XX/XX/XXXX was a Sunday. Never in 11 years of electronic deposits has this been a problem. So BMO can just buy out a bank and change the rules? XXXX has electronically transmitted the info and BMO can just hold on to my money until they decide to release it? 
My rent and other automatic payments are due today on the XXXX and will not process because my pension check is not in my account as it has been for 11 years.
Product: Mortgage

On XX/XX/XXXX I simultaneously made by mortgage payment due and in the same envelope enclosed a Cashier 's Check # XXXX for {$40000.00} as a Prepayment of Principal on the loan. Nationstar had previous knowledge of a pending substantial principal payment from my last CFPB complaint about 2 months ago. I questioned their competence and ability to handle the payment and be trusted. These incompetent folks misapplied the funds and tried stealing over {$500.00} in additional interest. Being the good babysitter I am of Nationstar I called them out on XX/XX/XXXX when I got my mortgage statement. Now that they were caught and I was threatening to file a criminal complaint and a CFPB complaint they would do the transaction to correct. I told XXXX and the Supervisor XXXX I wanted a copy of the Transaction Activity mailed to me. If I did n't get it by XX/XX/XXXX I would be taking action. No surprise I was lied to by each of them. Sp here it is XX/XX/XXXX and I am complaining again. I also intend to file reports with law enforcement and the Texas Attorney General 's Office. I want my mortgage moved to a competent mortgage servicing company or Executive Supervision over my account.
Product: Checking or savings account

I went to XXXX to purchase a XXXX money order for my Rent. I have well over XXXX  in my account. When I attempted to complete said transaction my card was declined. I left store and went to my car and call the call center. I was flat out blamed for fraud and I told my own account is fine just my debit card is locked. I asked what I needed to do and was given a generic answer and told must wait 24 to 48 hrs for card to unlock as was locked supposedly by the system to make sure the transaction was mine. Now a bank the size of Citi should be able to contact a customer to verify that before Locking a customer funds. That call was 5 days ago and my card is still restricted and I have zero response from anyone at Citi. I have moved my money to somewhere else and my employer has block ALL Citi routing numbers from its payroll system tell this issue is corrected. My employer emplys over 100000 people and there are several employees using Citi. My employer and I are worried that me continuing to deposit my salary will lead to bank locking my funds or stealing funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Itemspassed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made y payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. Please fix these accounts immediately. Id like this matter handled ASAP. Please update to OPEN/NEVER LATE. 


XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

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

Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am asking for a certified copy of the lien that was to be filed with the idaho Secretary of the state in XXXX of 2004 by XXXX XXXX XXXX on behalf of XXXX XXXX. It you can not provide it then you have no interest in my property. It would have been in you file as transfered from XXXX XXXX XXXX to sps Your answer of our record show we complied. Is not answer. do you have it? And was it filed?
Product: Checking or savings account

On several occasions I have reached out to Credit Karma to resolve a issue of money taken from my checking out via debit. On XXXX occasions I received conflicting replies On XX/XX/XXXX XXXX response stating, this was a check purchase at the store using my checking information which was false. On XX/XX/XXXX second response they indicated that the money was credited back to the company who deposited the funds which was false. On the third attempt to rectify the problem Credit Karma stated that the XXXX XXXX machines was not working so it debited the transaction out at a later date which is false. I went to the store in question and asked them XXXX of the XXXX questions and they stated first that they do not except checks unless you have proper ID, Second answer to question was the transaction will not go through if there is a malfunction with reading the card. I have proof of transactions made on specific dates. I asked for specific proof of purchase and the issue still have not been resolved as of XXXX XXXX. 

XXXX XXXX.
Product: Vehicle loan or lease

I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX and spoke with a representative in the XXXX. The purpose of my call was to ask the representative what date do I need to make a payment to save me the most in finance charges. The representative placed me on hold, and came back and said that if I pay on XX/XX/XXXX, I will be charged the least amount of finance charges. In XX/XX/XXXX I checked my account online and found that my finance charge was {$110.00}, which was nearly double what I am generally charged. I immediately called back customer service in the XXXX, and spoke with a representative who said that will not refund any finance charges and the most that they can do is apologize for the error. I asked for a supervisor, he said he doesn't have one. I insisted so he said he can transfer me to someone in his exact position. I asked her for her supervisor, she said she doesn't have a supervisor, and basically said the same thing that her coworker said. I called a number for the fraud division, and they advised me that I can call the main number and request a US representative Monday thru Friday. So today, I called and spoke with supervisor XXXX XXXX out of XXXX, TX who said that even though I was misadvised by a XXXX representative, they can not refund the amount of finance charges that I was misadvised on. She said, I need to refer to my contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I AM INQUIRING ON THE NEGATIVE ACCOUNTS THAT ARE STILL CURRENTLY REMAINING ON MY CREDIT REPORTS WITH EXPERIAN AND XXXX. I'VE HAD ALL THE XXXX  ACCOUNT REMOVED DUE TO INACCURATE INFORMATION AS WELL AS THE XXXX  XXXX  ACCOUNTS WHICH DO NOT PERTAIN TO ME. I DEMAND TO KNOW THE REASON WHY XXXX  AND EXPERIAN HAVEN'T SENT ME ANY CORRESPONDENCE REFERRING TO MY INVESTIGATION WITH THEM AND I HAVE YET TO RECEIVE A RESPONSE AS TO WHY THOSE REMAINING ACCOUNT ARE STILL REFLECTING. I'VE SENT THEM A LETTER IN ORDER TO DISPUTE THE INCORRECT INFORMATION AND NEED TO KNOW WHY ... ...
Product: Checking or savings account

Forgot about an account I opened XX/XX/XXXX after death of my husband. I am and have always been the sole owner of the account. I drove to a local branch to find out what happened with my account. I have all original opening documents. 

XXXX XXXX XXXX : talked with XXXX and she said she would do research. She made copies of my original paperwork. For 2 months she tried to find information then there was nothing else she could do. They said to get a subpoena but no instructions on how or where to get one or where to send it. Since I am and have always been the sole owner of the account, it is confusing. 

2. I looked on State lost funds information for XXXX XXXX XXXX finding nothing there. 

3. I called my local District Attorney 's office and he said subpoenas are only for getting other peoples information and they dont issue such a subpoena. He talked with his wife who is a bank manager and she said it makes no sense why they asked for such and did not know how to proceed. 


XXXX XXXX, XXXX. Called the main branch located in XXXXXXXX XXXX and talked to XXXX. She had no idea what to do. I asked for the legal department phone number to find out how to proceed. She said they do not have that information. 

XXXX. XX/XX/XXXX. I called Federal Reserve and they told me they didn't understand why I needed to get a subpoena either and there is no information on a sole owner needing such. So I was told to file a complaint. 

6. I talked with another banker of another bank locally to see if they could help me know how to proceed, they also said it made no sense and couldnt give any ideas on what to do next except file a complaint. 

XXXX. XXXX, XXXX. I found an email forma subpoena intake for Regions Bank and sent an email but there has been no receipt acknowledgment nor reply. 

XXXX. I also sent an email to a local news person who sometimes helps with banking issues but no reply. 
XXXX. XXXX XXXX. I also contacted another Regions main branch in XXXX and talked with XXXX and she did research and filled out 7 different times the forms they requested. They finally responded with same thing need a subpoena but no instructions nor information on how to get one or where to send it to nor why it is needed for a sole owner of an account to find out about my own account. 

I really would appreciate help finding out what happened to my account and my money. It is very disappointing that my bank whom I also have another active account for over 20 years has not resolved this issue for me. Please help me. Thank you so much.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX Aattorneys law send me a letter letter trying to collect a debt from discovery bank ending XXXX file # XXXX I request information about the account to verify is my but unless I provide my social security or date of birth they are not giving information
Product: Prepaid card

Funds being withheld have direct deposit have n't been able to get funds in a week and I have bills to pay and a daughter to feed..have rx need filing and with no money due to this issue.
Product: Credit card

My account with XXXX XXXX XXXXXXXX. XXXX 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 USC Code 1681eb. 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. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( a ) 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting

Equifax ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Equifax 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Equifax provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
XXXX
Product: Credit reporting

Never lived at this address.Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX
Product: Credit reporting or other personal consumer reports

On and for the record, the debt owed to XXXX XXXXXXXX in regard to the financed automobile has been settled as evidenced by IRS acceptance of my 1099A filing on XX/XX/year> as well as XXXX XXXX receipt of the Original Contract with special stamp and endorsement in accordance with 31 CFR 328.6 which legally converted the Contract/Security into a marketable security for discharge of the debt. Due to this fact, I am now excersing all Rights as the Holder in Due Course and i have filed a UCC1 Lien on the financed property further evidencing that this debt has been settled and that I am now the legal owner of the financed automobile. 

Based on the facts above, I am hereby demanding that XXXX XXXX XXXX account on my credit report be updated to a XXXX balance PAID AS AGREED. Due to the fact that this debt has already been tendered through the IRS via XXXX, XXXX XXXX XXXX XXXX can no longer exercise rights as Holder in Due Course. 

According to page 129 of XXXX XXXX 's Prospectus form, the Holder-in-Due-Course rule of the Federal Trade Commission ( the HDC Rule ) has the effect of subjecting any assignee of the sellers in a consumer credit transaction, and related creditors and their assignees, to all claims and defenses the obligor in the transaction could assert against the sellers. Liability under the HDC Rule is limited to the amounts paid by the obligor under the receivable, and the holder of the receivable may also be unable to collect any balance remaining due thereunder from the obligor. The HDC Rule is generally duplicated by the Uniform Consumer Credit Code, other state statutes or the common law in some states. However, liability of assignees for claims under state consumer protection laws may differ. Furthermore, According to UCC 3-302 ( e ) If ( i ) the person entitled to enforce an instrument has only a security interest in the instrument and ( ii ) the person obliged to pay the instrument has a defense, claim in recoupment, or claim to the instrument that may be asserted against the person who granted the security interest, the person entitled to enforce the instrument may assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured. Since the debt has been paid in full according to the IRS, XXXX XXXX XXXX XXXX may not exercise any further rights under the Instrument ( s ) in question. 

Attached to this complaint is a copy of the 1099B I received after the IRS confirmed Acceptance of the 1099A and the debt was discharged as well as a copy of the UCC1 LIEN i have on the property
Product: Debt collection

in XX/XX/2023 I went a concert I parking my car in a spot available, I saw a XXXX XXXX for pay XXXX dollars for the parking, but the online service dose n't work I waiting for 45 minutes and nothing happen I was late for the concert I pay a good amount of money. After this I receive a collection note for XXXX dollars and threats. I want to pay the parking spot, but I coulde n't. For me is a form a theft because their system dose n't work I have to pay extra money for a parking spot.
Product: Checking or savings account

US Bank claimed I owed the {$91.00} at the time my account was closed. I made the final payment and they filed an incorrect amount to XXXX XXXX for {$330.00} which is incorrect. 

You are in Direct Violation of the Fair Credit Reporting Act and have violated several of my rights.

15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove this account from XXXX and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

Please reference case XXXX and XXXX. The collection company is : Debt Management Partners according to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Credit Acceptance # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX TXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXXt # XXXX XXXX # XXXX XXXX Funding # 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 XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

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.