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

On XXXX XXXX of XXXX I requested a copy of my full file disclosure as well as a full suppression of my file information through Lexis Nexis Risk Solutions department through mail using the official form available for download online. Several weeks passed and I received no documentation. I attempted to contact the company through the email portal on their website and have received no response to date. On XXXX XXXX of XXXX, after vigorous research I attained a telephone number that directed to me a representative that could assist me with my situation. He stated that he could see no request for any file information or suppression. When questioned, the postal service informed me that the mail had in fact been delver to the appropriate location. The phone number provided on the LexisNexis Risk Solution Consumer Site is busy many times a day and when calls were processed, they were not answered. However, the number I attained did transfer me to a representative who was able to process my file disclosure request as well as my opt-out request. I was told this process would take up to 10 business days. On XXXX XXXX, I received mail with a document stating my file suppression request had been processed, however no file disclosure was provided. It is now XXXX XXXX of XXXX, a total of one month and I still have yet to receive any file disclosure since my original request. I have requested consumer files from over thirty of the top third party bureaus and have had little issues with all but two. LexisNexis Risk Solutions is one of them and as such an influential and large bureau/ investigation firm/ data reporter/ and multinational corporation, this is unacceptable and against the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX  ACCOUNT NUMBER XXXX xxxxxx Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES LISTED BELOW 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 OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Protecting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Bankruptcy Court XXXX, NJ case # XXXX 15 U.S.C 1681 SECTION 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : that 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 card or prepaid card

My phone and wallet were stolen on XXXX XXXXXXXX XXXX XXXX. They were able to get into my phone and change PIN codes and passwords. All transactions occurred on XX/XX/20. They charged the following : Credit card XXXX XXXX  XXXX : {$200.00} to XXXX {$160.00} to XXXX {$190.00} to XXXX XXXX {$150.00} to XXXX XXXX {$69.00} XXXX XXXXXXXX XXXX {$88.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX {$200.00} to XXXX XXXX {$500.00} to XXXX XXXX {$530.00} to XXXX XXXX {$600.00} to XXXX XXXX {$900.00} to XXXX XXXX {$200.00} to XXXX XXXX  {$700.00} to XXXX XXXX {$500.00} to XXXXXXXX XXXX XXXX XXXX : {$45.00} at XXXX XXXX {$250.00} to XXXX XXXXXXXX {$300.00} to $ XXXX {$150.00} to XXXX XXXXXXXX {$200.00} to $ XXXX {$280.00} to XXXX XXXXXXXX {$900.00} to XXXX  XXXX {$200.00} to XXXX XXXXXXXX {$250.00} to $ XXXX {$250.00} to XXXX XXXXXXXX {$200.00} to $ XXXX XXXX XXXX : {$500.00} XXXX XXXX
Product: Mortgage

SN Servicing advised on Saturday that they will submit to the investors a 12 month plan of {$3300.00} which would resolve the loan problem I even advised I already had the money for the last payment she advised and she said its not even that much of a difference so we both agreed on the amount to pay next month I only got behind on my mortgage due to the XXXX  of both of my parents my father died and I had to bury my father she advised it will take a week but she called me Saturday morning and then immediately called me Monday morning not even giving me the time to be considered for a 12 month payment arrangement I have been paying this mortgage for XXXX  years and nothing was taken into consideration it was a quick demand of XXXX payments when I have been financially overwhelmed due to the burial of my father and the XXXX  of my mother. I advised my mortgage company of this and they said they would work with me only to find out this was not so now they advised they wont take the payment arrangement and demand XXXX payments when I am already financially overwhelmed due to the burial of my father and XXXX  of my mother the company never took any of this into consideration and demanded money I dont have money I cant get money that If I had it they would have been had it I would have never agreed to payment arrangement if I had XXXX payments it makes and get account current in 6 months cutting the agreement in half I can not pay this this has created financial hardship to me when I am already overwhelmed
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : CAPITAL ONE AUTO FINAN Address : XXXX XXXX XXXX, TX XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ca XXXX Dear CAPITAL ONE AUTO FINAN I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I called in to verify I was eligible and qualified for a {$300.00} bonus to open a new checking account on XX/XX/24. The offer code was below. The agent I spoke with for XXXX mins confirmed it was and told me to proceed and he'd have all documentation out on my account so it hit. It's been 90 days and never hit. I called today ( date opening this ticket ) and the BofA rep has no knowledge of it and there aren't any notes {$300.00} BofA - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on the items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the items is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2003 Balance : $ XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, to which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon as possible : XXXX XXXX XXXX XXXX
Product: Debt collection

I tried disputing the item/asking for verification but I received nothing and no information. I dont have any information about this company except they recently added a false collection to my credit report for an account Ive never had before.
Product: Debt collection

I reached out to the debt collector today XX/XX/XXXX and asked about the debt. This creditor has refused to provide to me with information about the debt and advised me to 'XXXX  XXXX the name of the original creditor to find out who filed the debt under my name. I was told this by the first rep today. I called back and spoke to someone named XXXX who introduced herself as an account XXXX. 

The creditor has also been abrasive with me and tried to bully me into paying the debt without me having any information about it. XXXX also could not advise to me on what to do in this situation now that it has been established that it should have not been reported to collections to begin with. I never received the bill. She tried to pressure me to still pay it by asking for a credit card and other payments. 

I XXXX  the name of the original credit ( doctors office ) since XXXX XXXX refused to provide this information and called them regarding the debt. They advised me when notices were sent in XXXX, once in XXXX and that nothing additional was sent afterwards. The documents they provided to me contained incorrection information. The address provided, I have never lived. 

I advised the debt collection agency, XXXX XXXX XXXX that I should have never been reported to them under a debt to collect. The agent, continued to try to bully me into paying and refused to provide guidance on steps to properly dispute bills being sent to the wrong people with a different address on file, with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that Experian is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing XXXX accounts, on the summary page of my credit report, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable. 


Under the NOTES section of my credit report, Experian added derogatory notations about my address for which I never gave them permission to do add. They have damaged my credit report with reporting XXXX accounts as LATE PAYMENT AND they furthered added insult to injury by reporting my address, that I have used for over 7 years, as a " high risk '' address. '' I do not understand WHY this company feels so free to report ANYTHING on my account without fear of repercussions. These blatant VIOLATIONS MUST STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account on my credit report inaccurately, the account number is XXXX and this is on all 3 credit reporting agencies. Experian, XXXX and XXXX, before the account became a charge off, my credit limit was {$800.00} and as of today, XXXXXXXX XXXX is reporting on my 3 credit reports that I owe them {$880.00}. I do not owe XXXX XXXX {$880.00}, again my credit limit was {$800.00}, they just added so many fees to the account to make it balloon up even higher, this is a misrepresentation of myself by XXXX XXXX I do not find it fair or correct that XXXX XXXX is able to report this inaccurate information on my credit reports and the credit bureaus allow this type of behavior to happen. The FCRA states that 15 U.S. Code 1681 ( b ) all information on a consumers credit report has to be 100 % accurate. I did not spend that amount on this account.
Product: Mortgage

I refinanced a loan from Roundpoint to XXXX XXXX XXXX XXXX bought out Roundpoint so, effectively, they are the same company/entity. 

The payoff quote was pulled on XX/XX/XXXX and that is what they based the loan on - the balance on XX/XX/XXXX was {$210000.00}. The loan was to close mid XXXX so I I made a payment to Roundpoint for XXXX in the amount of {$1400.00} that posted on XX/XX/XXXX - the day after the payoff quote was pulled. As such, that payment was never applied to the new loan nor refunded to me. 

Roundpoint owes me that XXXX payment back. 

In addition to the missing payment, they have added on {$1600.00} in interest to the loan amount. 

On XX/XX/XXXX, the balance on the Roundpoint account was {$210000.00}. Interest of {$1000.00} was added into the loan amount bringing the total to {$210000.00}. This amounts XXXX for XXXX days they will not provide the dates this interest is for? 

In addition to the interest included in the payoff amount of {$1000.00} XXXX as shown above ), there is additional interest of {$370.00} added at $ XXXX, bringing the loan total from {$210000.00} to {$210000.00}. This amounts to XXXX days - they will not provide the period/dates this is for. 

In addition to the interest included above XXXX {$1000.00} and {$370.00} XXXX, I am paying additional interest on the new loan at $ XXXX from XX/XX/XXXX - XX/XX/XXXX totaling {$290.00}. 

I've made numerous calls to Roundpoint to straighten this out and they have not been able to explain or provide a breakdown of the loan, transferring me to more people, disconnecting my calls, and having me contact XXXX, who has not responded to my queries prior to closing the loan nor the loan balance, the disbursements, or the escrow, etc that explains how they arrived at the loan amounts. 

In addition to the above, I was told by customer service that the loan amount paid to Roundpoint by XXXX XXXX was different than any amount listed above.
Product: Debt collection

On XXXX XXXX I sent a certified letter to Portfolio Services requesting debt validation on a credit card debt they are reporting to my personal credit reports and attempting to collect. In my request I requested several items be provided to me within a 30 day period or for portfolio services to discontinue collection efforts and to immediately remove the alleged item from my credit reports. They have not complied with my written request. I have attached a copy of my written request and proof of a certified mail request.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report. This is my new complaint that I was the victim of incorrect credit report information that I encountered. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} =====TransUnion XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts are a mystery to me. Please note Im sending this letter certified to protect my rights. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Product: Vehicle loan or lease

I did not receive a refund on lease # XXXX, 2015 hyundai of {$580.00}. I leased a new hyundai, # XXXX and was to receive a refund or credit for an advance payment made on the old lease. I have contacted hyundai by phone, email and u s mail, but they refuse to refund or credit my current account.
Product: Credit reporting or other personal consumer reports

This item is not accurate and it not complete, How can you have the item charged off again in XX/XX/XXXX after the item was already charged off in XXXX and paid and closed. Please remove this item, due to everything is not accurate and not complete. A compliant to the CFPB will be issued for reporting inaccurate information. 

XXXX - XXXX
Product: Debt collection

I requested that this debit collector validate that this belonged to me that I never received information from them that validate I had to pay. I did not have a contract with my signature with the collection agent to entitle me of the debt
Product: Mortgage

We refinanced our home in XX/XX/XXXX. The mortgage broker committed fraud. Upon discovering the fraud we worked with XXXX fraud department to prove that, we were successful. Attempt after attempt was made to modify the loan. The mortgage meltdown happened and then the XXXX settlement. We had a XXXX and XXXX trust. XXXX did a trial mod on the XXXX. When we made the last payment on the trial mod, they then violated the XXXX settlement and gave servicing rights to SPS on the XXXX trust. After a year they then transferred the XXXX to SPS. There is no proper chain of title. The banks have further committed fraud and then filed for foreclosure and now are starting eviction process rather than waiting for determination on finding from CFPB on allegations. This agency is supposed to be XXXX that is here to help the consumers. I 've watched the video by XXXX XXXX, saying you are here to help. I have further documents, which I was told I have to file a new complaint rather than add to the existing complaint. That does not seem very efficient, but I 'm going to do whatever I have to make this story heard. The banks have waited for the " news '' to quiet down about the frauds and stealing people 's homes, and then they have gone back to business as usual. It 's time for someone to step up and stop them. These loans were securitized in XXXX. The notes have been lost or destroyed. The assignments were not done at the courthouse until XX/XX/XXXX, which is six years after the trust had closed. The Trust law states it must be done within 90 days of that closing date in order to be traded on XXXX XXXX. Then they claim XXXX is the keepers of the Record. XXXX as of today is still showing XXXX XXXX XXXX and inactive. They are not keeping the records concurrently which is yet another violation. These banks are just stealing people 's homes, and it must be stopped. I will say that we had diligently tried to work with XXXX and XXXX to modify these loans. By the time XXXX violated the XXXX Settlement, we knew they were not going to do the lawful thing. In going over my documents to send in, I note that they claim XXXX as the keepers of the record and Trustee, but on my loan documents it has XXXX with a specific address in Virginia, not XXXX. This whole thing has been fraud after fraud. I implore you to thoroughly investigate this case and STOP them.
Product: Credit reporting

I logged in directly at their website to dispute an account on XX/XX/XXXX. The account in question is an XXXX XXXX credit card in which I am an AUTHORIZED USER. I requested them to remove that item from my credit file, I am not liable for repayment because, again, I am just an authorized user. But today, I reviewed the result of their investigation and they are saying that the account was " updated ''. How could that happen? They are essentially perjuring themselves for saying that because obviously the account is not mine. They are causing me stress and damaging my credit file. I want this deleted TODAY.