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

On XX/XX/XXXX called Lexis Nexis Risk Solutions multiple times and as I had already done in XX/XX/XXXX, to request a paper copy of my consumer Disclosure Report and all the PUBLIC INFORMATION REPORTS AS WELL AS THE SOURCES OF THE REPORTING AGENCIES THAT THEY OBTAIN THEIR INFORMATION FROM. First they said that I had to send them proof of my identity, so I immediately sent them XXXX, SOCIAL SECURITY CARD and my water bill on their secure portal. They acknowledged receipt of all of them and that my identity had been proven and that they would send me printed copies of all my requests in 5-7 days. As of XX/XX/XXXX, I havent received anything from them. I receive notifications and pictures of all my XXXX mail and they havent sent me any of the promised items. I called several times today, XX/XX/XXXX and was transferred to the Public Records Department by XXXX and again I waited on the phone for at least 30 minutes and a person named XXXX answered and was uncooperative and refused to transfer me to a supervisor and hung up on me. I tried calling back and waited about 15 min before hanging up.

I need these reports to clear up 5 vehicles and another home registered in my name on their records that they are selling to other organizations and consumer reporting agencies. Specifically, XXXX XXXX will not remove these vehicles and additional home from my consumer report with them until I receive the Lexis Nexis report showing that these 5 vehicles and additional home located in XXXX  are NOT on their reports.
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 15 USC 1681. Account Name : XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 had a vehicle loan that I opened back in XXXX with Wells Fargo Dealer Services. My mother cosigned the loan for me as I had recently gotten divorced and was rebuilding my credit. I never had any particular issues during my time with Wells Fargo, and refinanced the loan in XXXX with my credit union. 

Around late XX/XX/XXXX, I was changing jobs, and had been using the bank near my employer at the time. I called Wells Fargo to notify them of the change to my bank information, and scheduled a payment over the phone. I didn't think anything of it until the payment didn't process as it should have. Once I found out, I logged into the system and made a manual payment, but according to them, it was 1 day late. They never reported this payment as late on either my credit report, or my mother 's. 

My issue and reason for this complaints stems from late winter of XXXX. I am in the process of applying for a home mortgage loan. I had a subsequent auto loan in XXXX with Wells Fargo, where I was the sole borrower, which I had refinanced in mid XXXX, also with my credit union. As of XX/XX/XXXX, Wells Fargo was still reporting it as an open account status, despite the account having been paid off for well over a year and a half, so I disputed it with the credit bureaus. Sometime after mid XX/XX/XXXX, Wells Fargo suddenly started reporting a late payment for XX/XX/XXXX on my joint auto loan ; however, the 30 day delinquency for that month was ONLY being reported on my credit report, and not my cosigner. 

I have tried to address this with Wells Fargo several times, and they have refused to adjust the notation, despite the fact that this is the ONLY delinquency notated on my entire credit file, for ANY account over the past 7 years, nevermind the fact that I have had another account in good standing with them since then, and have proof of the reporting status of the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX al Creditors XXXX, Experian These account have inaccurate chargeoffs on my credit profile.i would like a thorough investigation, retaining to dates, addresses and payment history. The account numbers last for provided. The creditors charged me off and charged {$230.00} and collection agencie XXXX XXXX charging the {$1200.00} .account are came creditor XXXX XXXX XXXX amount {$230.00} XXXX also have some errors on account. It doesnt provide all information needed for verification. I would like investigation aswell for this account. For charge off. 

Account # XXXX Amount {$3800.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote Equifax to investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score. I never heard back from Equifax.
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer reports, and I noticed EXPERIAN is reporting transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ). I was not late because I never received a statement in the mail per 15 USC 1666B with the information required in it per 15 USC 1637B. I was not late on this account, and I want the late payment removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

When I signed up with Brigit for access to emergency funds I was told that they would pull from my account on Tuesdays, the day before my paycheck hits my account. They based this on some information that shows that my bank has added this deposit to my account very late at night on Tuesdays, usually XXXX XXXX XXXXXXXX XXXX XXXX. I explained that if they pull it prior to that time, its going to cause an overdraft and was told explicitly that if an overdraft is caused, I will call them and they will refund it to me. They then manually changed my account account to show that they would pull on Wednesdays. 

I reached out to Brigit this morning to report that this exact scenario occurred- they pulled the money on Tuesday, and my financial institution put my check in very late at night on Tuesday, but not until after charging me an overdraft because of Brigits attempt to pull a day earlier than I told them they could. I asked Brigit to refund me the overdraft exactly as I was assured they would. XXXX refused and then immediately left the chat. 

I just want my {$32.00} back like they promised I would get. I have canceled their service for they were charging me {$8.00} a month. I will not use them again, and I will be very vocal to anybody else out there about why they should not use this product. 

Please help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX5 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally. these misstatements are punishable as perjury under 18 U.S.C 1621 This collection found within My credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX ( VIN # XXXX ) through XXXX on XX/XX/2022, financed through Bridgecrest. I have had numerous issues with having the ability to make payments, not due to myself having the funds available, but due to issues on Bridgecrest 's end that they refuse to acknowledge or resolve. I believe the issue lies with my account number, per the various error messages I have received online and/or through my bank ; however, since Bridgecrest has refused thus far to acknowledge there is an issue with my account number, I have not been able to complete payments, I have had many additional charges for having payments returned from my bank and/or card, a Bridgecrest employee told me the wrong biller to submit my payment to when I attempted to pay inperson at a XXXX via XXXX, and my vehicle is now in repossession status. My various banks/credit cards have not permitted payment to this account due to the account number Bridgecrest " not existing. '' I am unable to submit payment online through the debit card third party portal due to the account number " not existing. '' When I finally resorted to going in-person to XXXX, and the employee not being able to submit the payment to Bridgecrest due to my account number " not existing, '' I had Bridgecrest on speaker phone while the employee stated they didn't know why my account number wasn't working, and then proceeded to have me submit my payment through XXXX XXXX XXXX , where it accepted my payment. However, after going a week and not seeing this payment applied to my account, I called Bridgecrest who informed me the previous employee gave me false information, and they couldn't accept a payment to that biller. Now, I do not have access to that {$600.00} I submitted, in addition to not having any way possible to submit payments of any kind due to my account number not registering. Bridgecrest insists my account number is correct, and refuses to look into it in any way to get it resolved.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXXXXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 9. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents from XXXX XXXX/ XXXX XXXX credit card services, in reference to this fraudulent account that has been disputed several time with all 3 credit bureaus and also reported to Identity Theft. XXXX has already deleted this account by XXXX XXXX by their investigation and also sent me an updated credit report via mail. I am requesting for Equifax and XXXX to remove this account from my credit file immediately. This account was opened unauthorized and is damaging my credit file. See attached documents from the creditor.
Product: Debt collection

they keep calling and never leave a message or identifiy themselfs, i XXXX the phone number and i found out that they are genis credit and their a debt collector, but they never say what its regarding and who the creditor is, i never received a written noticed from them in the mail. please investigate them and end this abuse, i have put in several complaints but they keep calling and hanging up at least once to twice a week
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent and inaccurate information on my credit report as a result of identity theft stemming from a data breach. The details of the affected accounts are provided below for your review and immediate action. 

Details of Complaint : I have identified the following items on my credit report that are fraudulent and request their immediate removal : XXXXXX/XX/XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

U.S. Department of Education Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX* Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

Requested Action : Pursuant to section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you : Block the fraudulent information listed above from my credit report.

Notify all furnishers of the fraudulent information promptly.

Supporting Documentation : Enclosed with this complaint, you will find : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the FCRA, which mandates blocking fraudulent information on credit reports resulting from identity theft within four business days and notifying furnishers of the same.

A copy of my ID And SSN card for varication And a bill to verified my address.

I appreciate your prompt attention to this matter and look forward to your reply. Please confirm receipt of this complaint and provide an update on the resolution timeline.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My husband leased a jeep from Chrysler Capital for three years, last payment is in XXXX, 2017.In all this time our payments have been made on time. Recently, my husband past away. He was the only driver of the car. I called Chrysler, told them of my circumstances and that I wanted to pay the remainder of the lease, and hand in the car. They told me that I could pay off the lease, but I could not hand the car in without extra charges. The car is in excellent shape with XXXX miles on it. So, this did not make sense to me. 
They told me to send in my husband 's death certificate and maybe they could wave the charges. Ofcourse, I never heard from them. Calling back a third time and yet again, getting a different answer, I was told that they had death certificate but were doing nothing to help me. Frankly, I was beginning to feel as if they thought I am old and stupid. But, the worst thing of all, was on Monday XXXX, 2017, at XXXX, there was a pounding on my door and the man said that he was there to repossess the jeep. The only thing he would tell me was that it was Chrysler Capital 's orders. I then saw that there was a man at my back door, and I was so frightened that I called the police. The officer told me there was a report that they were picking up the car, so I had to let them take it. I was so upset that I stayed up all night until I could call Chrysler in the morning. They made a big mistake but they would return the car, would I like to pick it up, and they were not going to charge me for the towing!!! Can you believe it????? I truly feel like they are trying to take advantage of me. 
Even the dealer involved in the lease ca n't believe it.
Product: Debt collection

they satd i own them XXXX i only own XXXX
Product: Debt collection

I have requested false reporting and unauthorized reporting of my consumer rights to remove all negative and collections from false information of my consumer report,,, ,15us c1681 b-stats must respect privacy on consumer data and rights and must delete all collection and chargeoff from consumer profile,,, ,15us c1681 s2 8e3 -stats that agency must comply to consumer rights and request and have 30 days to respond and must be deleted and boost consumer credit.