23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We were signed up for a credit card by Wyndham. This was the Barclays card. Barclays has sent consistent statements showing that Wyndham was adding balances to this card without our knowledge or consent. We disputed this but Barclays seems to be in league with Wyndham and they have not returned the charges to Wyndham, they just keep us on the hook for the payments.

I didn't want, need, or ask for this card but Wyndham opened it anyway and now the charges on this have gotten way out of hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX not mines at all can you please remove it thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three bankruptcies on my credit report and they are not mine and one collection from a company I have no clue about or an amount that is not mine.

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : XXXX ( XXXX ) Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated and the following laws broken : 15 U.S. Code 1681 ( a ) ( 4 ). States I have a right to privacy 15 u.s.c. 1681 section 604 ( a section 2 ) ( 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.

15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt My right to privacy has been violated. I did not give written instructions for my information or report to be furnished to this company ; nor do they have my written instructions to report my information to the Credit Bureau. This company does not have my consent to communicate with me. Reporting to the Credit Bureaus is a form of indirect communication and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Senior Personal Lines Underwriter XXXX XXXX notified me XX/XX/XXXX that Lexis Nexis provided XXXX  an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX  notice indicates false information is being propagated by Lexis Nexis since no negative activity occurred that could have been reported during this period, and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. After filing a CFPB complaint, Lexis Nexis sent on XX/XX/XXXX at XXXX XXXX their first ever contact attempt. They were responded to on their electronic messaging system at XX/XX/XXXX the same day at XXXX XXXX. Lexis Nexis rep. XXXX confirmed my identifiers had been received as requested on XX/XX/XXXX at XXXX XXXX on their same messaging system. Exactly 2 weeks later they sent a letter dated XX/XX/XXXX to the CFPB stating I had failed to respond at all to request for additional identification and that my complaint was considered closed on their end. Otherwise and continuing through today, they have still sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or the nearly 20 phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' Lexis Nexis ' false information without having the opportunity to see what information on me they are selling without my permission and without being able to get a copy of my credit report after 8 months of trying to do so. Here are the dates on which we contacted Lexis Nexis by phone at the number provided by XXXX  XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to Lexis Nexis at the address provided by XXXX  XX/XX/XXXX requesting credit report and insurance score in accordance with CFPB guidance : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  has been requested 4 times to provide alternative contact information for Lexis Nexis to receive the credit report or any of the adverse information used to increase my premium. Since Lexis Nexis repeatedly hangs up on XXXX XXXX XXXX every contact attempt by phone, do not respond at all to mail inquiries and fail to even respond to further follow-up using the electronic messaging system provided after the CFPB complaint failed to achieve any result other than to catch them in an abject lie about my failure to respond to their request.
Product: Debt collection

Received a phone call from company letting me know that an amount of {$980.00} for my car was due. I immediately paid the amount once I took the phone call with the company. The phone calls stopped for a week but started to continue again. I let the company know that I had paid the amount and that the due amount was clear. They told me that they would look into the situation and that they would give me a call back. When they called me back I would, on multiple occasions, answer only to hear someone hang up the phone line on the other side. This happened multiple times over a week. I was then calling the company the following weekend to let them know that the billing error was never resolved. They did not pick up the phone due to them being " Too Busy '' as their automated system says over their recorded line. I woke up the following morning to my car alarm going off and quickly ran down stairs. I saw my car on a tow truck and asked what my car was being towed for. They let me know that they worked for the company in question that they were a hired XXXX. I have never done business with this XXXX and never signed anything giving him the right to seize my vehicle. I then called the company once again to try and figure out this situation and why there was no due process before taking my vehicle. They did not answer the phone call due to them not having any staff to answer calls on weekend. I then called again the following weekday during business hours and they let me know that they could not let me know anything about the vehicle due to the fact that nothing had been put in their system for a full 48 hours. I still have no answers for my vehicle I have called 3 more times to see if someone else could assist me without any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST! XXXX XXXX! I will send an invoice with all my right you are violating! If it was duplicate why did yall send me the attached email??? EXPERIAN IS CLEARLY VIOLATING MY RIGHTS! I will not hesitate to get legal help if they do not comply to my demands for MY CREDIT REPORT!

See attached. I am confused about the reporting of this closed account? Says its open and delinquent 60 days??? How is that possible, when XXXX is reporting as closed and no late payments?? You are INACCURATELY REPORTING and it is hurting me right now. It is preventing me from purchasing a home. Correct this or remove this account off of my report completely, immediately. If you can not accurately report then I do not give permission for this account to be on my credit profile. 15 usc 1681 ( b ) ( 2 ). 

I am learning all consumer laws and fighting back! 

You will continue to hear from me! You are commuting fraud on my credit report!!! 

This is me! I shouldnt have to prove this is me! You dont ask companies to prove its me when you put false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that an account was erroneous. The credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX
Product: Debt collection

As a result of these violations, I require the deletion of all these collection accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This address is listed on my credit report. I have never lived in the state of Texas. 
XXXX XXXX XXXX XXXX XXXX TEXAS XXXX
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XX/XX/XXXX XX/XX/2024 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: Vehicle loan or lease

I opened an account with this company XX/XX/XXXX for {$93000.00}. The vehicle was a XXXX XXXX XXXX. The monthly payments were {$2300.00}. During the time possession of the car I got sick with XXXX XXXX in XX/XX/XXXX. I was hospitalized and was unable to continue to make payments on the car. I spoke with a Rep from the company and asked for a lower monthly due to being laid off from work. I was denied aide with the vehicle cost and was told that I was gon na have to go on the repossession list. At that time i was XXXX days late. The rep told me it would be on the XXXX day. A few weeks later I was able to return home and my vehicle was gone from the property
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXXAmount of Debt : $ XXXXDate of Debt : XX/XX/XXXX Dear XXXX XXXX XXXXXXXX XXXX I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed breakdown showing how the alleged amount was calculated.

3. Copies of any agreements or contracts I allegedly signed.

4. Proof that you are licensed to collect debts in my state.

5. Proof of assignment or sale of the debt, including the contract or agreement between you and the original creditor, verifying that you have the legal right to collect this debt. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Background check company dba Checkr Inc. performed a background check on me that contained erroneous information on XX/XX/year>. As such, I immediately disputed the information. 30 days passed and my initial dispute along with countless follow-up inquiries went unanswered. Checkr Inc failed to update my report and ignored all of my communication attempts. Finally, I found the email for their legal department that was buried in their lengthy terms of service and immediately sent an email demanding that my report be updated. Less than 48 hours later, my report was updated and the erroneous information was removed. However, irreversible damage had already been made to my reputation and income.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. These accounts listed below do not belong to me : 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
Product: Mortgage

Amerihome Mortgage holds the loan on our house. The funds we pay in to the escrow account include money to pay our real estate taxes. We received a delinquent notice and contacted them yet the taxes were not paid. We received a second notice and contacted them again. Again, the taxes were n't paid. We received a third notice and my spouse, who is an attorney drafted a demand letter. The taxes were paid however Amerihome did not pay the penalties that they incurred through their delay.
Product: Credit reporting or other personal consumer reports

These inquiries need to be removed. I was not informed about them, and the company carried them out without my consent.
Product: Debt collection

XXXX with Capio Partners XXXX XXXX XXXX called me three times on XXXX/XXXX/XXXX and then three times on XXXX/XXXX/XXXX. I had spoke with a customer representative previously after I noticed their company had popped up on my credit report. I faxed over a police report regarding my identity had been stolen during the time frame in question before the aggressive phone collection calls began. I also told the customer service rep previous to the aggressive phone call that I do not owe the amount, it is not my debt and that any communications will need to be in writing. They are not to to contact me on the phone. After the second call on XXXX/XXXX/XXXX, I told the representative to cease and desist all telephone communications. I also told her again after the sixth phone call on the XXXX. I also informed her I would be filing a complaint with the CFPB and sending a certified mail Cease and Desist letter to the company on Monday, XXXX XXXX, XXXX. 

I informed the representative on the first phone call that the debt was not my debt. I wanted to work to resolve the stolen identity issue and work with the fraud department. I do have a police report as I had to make one for another company that deals with the same time frame as this company they are collecting on. I have asked what the original debt is for and they refuse to inform. They said " it is for something that could be any where in the United States '' and that they " have my drivers license. '' I also explained I am XXXX XXXX XXXX and not able to work. I have very limited income. I will not pay a bill that is not mine. I can provide proof to every statement of my idenity theft and income.
Product: Credit reporting or other personal consumer reports

During an Arbitration process Experian and XXXX violated Federal Law by disclosing my private records without my prior written consent to Attorney XXXX XXXX of XXXX XXXX located @ XXXX XXXX of the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is a violation of the privacy act of 1974. Under the privacy act of 1974 and the opt out laws any authority that Experian and XXXX thought they had is now removed and all companies should be penalized accordingly for violating Federal Law
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record of XXXX XXXX Bankruptcy Reference Number : XXXX from the United States XXXX XXXX XXXX XXXX Minnesota Bankruptcy Court in XXXX, Minnesota listed on my XXXX XXXX, Experian and XXXX credit report, is not my public record. XXXX XXXX, Experian and XXXX states they got the public record information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me documentation informing me that I dont have a bankruptcy record contained in my XXXX XXXX XXXX file and that they did not verify a bankruptcy record with XXXX XXXX XXXX Experian or XXXX XXXX The public record information is not my public record or account.
Product: Checking or savings account

The bank ( Simmons Bank, XXXX, TN ) of charging a fee labeled " ACCOUNT ANALYSIS CHARGE '' of {$10.00} then reimbursing the account and labeling the credit " XXXX XXXX XXXX ''. The charge and credit is deceptive and misleading. Why charge a customer then reimburse them for the same amount?
Product: Checking or savings account

It appears that a checking account was opened in my name at Capital One without my permission. 

XX/XX/2023, XXXX - Received at email from XXXX with the subject line " We've updated your phone number You're all set! '' XX/XX/2023, XXXX - Received an email from XXXX with the subject line " Congrats! Your new XXXX Checking account is open. '' XX/XX/2023, XXXX - Received an email from XXXX with the subject line " Please confirm some info to use your accounts. '' The body of the email began " One or more of your accounts is temporarily restricted, Theres been some suspicious activity on your accounts recently and weve restricted them for your safety. Youll need to confirm some information with us before the restriction is removed ... '' I assumed that the above emails were a phishing attempt as they all contained links and I have never applied for a Capital One account. Therefore, I did not respond or click on any of the links. I also did not contact Capital One. 

Then XXXX XXXXXX/XX/2023, I received a debit card from Capital One with my name one it and instructions to activate it. I tried going directly to the Capital One website ( https : //www.capitalone.com ) and entered my last name, SSN, and birthdate and the site said there were no customers with matching that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments.Pursuant to 15 USC 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 Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2022 were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Product: Debt collection

Good afternoon, I received this collection letter from Credit Collection Services owing {$1200.00} supposedly filed by XXXX XXXX XXXX which did not belong to me. I have never had a procedure done in XXXX XXXX XXXX, at all. Now I am a little concerned why they are billing me for this when I have not visited any XXXX XXXX XXXX at any location. I hope this is not a stolen identity in my part. They can call my Insurance Company since they have me on file or speak to my Medical Doctor to confirm this. SO please remove me from this claim. They keep mailing me a collection letter and I would appreciate it if those letters stop! This is under Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. REF XXXX XXXX XXXX ( XXXX XXXX ). Please have Credit Collection remove me from their files. 

Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is decreasing my score without any reason or shame, my due date is XXXX and I paid before that it showed a {$240.00} balance and reduced my score The Equifax and the XXXX decreased my score without reason. I'm tired of this wrong report
Product: Debt collection

National Credit Systems, a registered Collections Agency is attempting to collect on an alleged debt of {$4500.00}. The alleged debt originated from the property XXXX XXXX XXXX. This alleged debt is not owed because Texas Rent Relief satisfied any owed balance. In addition to Texas Rent Reliefs assistance, I was on a month to month with XXXX XXXX XXXX and not in any legally binding lease agreement with them, and the balance owed to them was paid down to a XXXX balance. A proper investigation with Texas Rent Relief will reveal that XXXX XXXX XXXX  received payment on my behalf to satisfy any past due balance owed at the time. 

So therefore not only is XXXX XXXX XXXX attempting to damage my credit profile due to monies they have already received from myself and Texas Rent Relief, National Credit Systems is reporting erroneous information on my credit profiles to the credit reporting agencies that is inaccurate. And according to 15 U.S. Code 1681s2, it is my right as a consumer to make sure that all the information listed on my credit profiles is being reported accurately. It explicitly states that 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. 

A person is defined as any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. and per 15 U.S. Code 1681s2, the only entity that can validate the accuracy is the consumer. So I the consumer am notifying National Credit Systems Inc, that the information they are reporting, is inaccurate and therefore should cease reporting this inaccurate information, and cease all collections activities.
Product: Mortgage

Wa Mu gave me a loan of XXXX and a second of XXXX. I put down XXXX cash. I was led to believe this was a good mortgage. It was not until I went to refi ( my loan is 6 per cent interest only ) that I found out it is not XXXX XXXX or XXXX XXXX. Chase bought out Wa Mus loans but they refuse to re fi me. This is not only unfair, it should be illegal. I am XXXX year old XXXX vet and I need refi badly.
Product: Debt collection

A payday loan was given to a ex-contractor based on a voided check the contractor provided to the pay day lender, XXXX XXXX XXXX. When they discovered the loan was given on a voided check they sent a collections letter to us. We immediately sent a dispute letter via certified mail and was received by them. However they continue to attempt to collect the debt via phone calls and letters. They have verified the receipt of the dispute letter ( XXXX XXXX verified this on XX/XX/2020 at XXXX XXXX P.S.T. ) but have not responded to it and continue to illegally continue collections efforts.