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

Lexis Nexus shows a court case with unpaid rent attached to my information. 
Ive submitted 3 investigation requests to lexis nexus since XXXX regarding incorrect information theyve attached to my ssn including a notarized not one in the same form. Ive contacted the courts and theyve stated they are not reporting information to lexis nexus but the company pulls data. There is no identifying information on the court documents beyond a first/last name and address. The address is similar to one I lived at a decade prior to this issue but not one Ive occupied. Ive contacted the landlord listed on the court documents and she has stated the tenant was related to their grandchild and is in their XXXX ; has no contact information for the tenant. 

Ive spoken to countless lexis nexus representatives and have been told requests have been filed, information taken down, nothing further can be done, no one else I can speak to, no further information needed, nothing I can do. 

Last request sent XX/XX/XXXX Name- XXXX XXXX XXXX XXXX XXXX 3rd dispute. 

Never lived at XXXX XXXX XXXX XXXX XXXX IN XXXX ; I lived at XXXX XXXX XXXX XXXX XXXX IN XXXX in XXXX. 

Was never a tenant of XXXX XXXX. 

At the time of this court case, I lived in the home I own in XXXX IN and my last name was XXXX. 

I have spoken with the XXXX County Courts regarding this matter on several occasions due to your inaccurate information ; they have advised the attached form. They have stated there is no identifiable information on this court case to link this inaccurate information to me. They stated they do not report information to LexisNexis, that LexisNexis pulls information from their database. 

This was a different person with the name XXXX XXXX. I have advised LexisNexis of this error multiple times and the company has refused to correct their records. This is a libel ; the company has been advised multiple times, documentation has been provided. Cease and desist reporting of unfactual data on my report immediately. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Product: Debt collection

These collection accounts appeared on my credit bureau with no mailed copy of debt and right to dispute. NO information has been received by me
Product: Mortgage

This problem is from a mortgage company called mr cooper. The first issue was with the first loan officer who did do his job properly which pushed our process of closing on a property a month later. Second issue happen after getting everything caught up and all parties agreed upon waiting for later closing date. I paid for inspections, and also a down payment on property as advised. which money I loss as well with out being at fault. However day of closing at attorney 's office with the pen in my hand to sign for home for me and my family, closing attorney tells me to call loan officer because we are waiting on closing paper. So I called, and my heart and my humility was tarnished after mr cooper tell me loan was denied because of an " GAP '' check. An old account on my wife credit that was resolved. I called mr cooper and asked what is the process of a gap check ( when is it done ) and was told three to seven days prior to closing. I feel I was treated unfairly and did not get any of the money I have loss. On the day of closing! I have proof of all documents closing dates everything needed to get this resolved please help me and my family. Not mention they have a FHA rejection on me and my wife account which is making it hard to apply for another mortgage.
Product: Debt collection

Dear Sir or Madame : I am writing this complaint in regards to an alleged {$1300.00} debt that Convergent Outsourcing , IncXXXX is reporting to the credit bureaus. According to the information reported to the Credit Bureaus, the date of first delinquency was XXXX, XXXX. The Statute of Limitations on this alleged debt, even should it be mine, is 5 years in the state of Missouri. Since the debt is out of the statute of limitations, and they are reporting this on my credit report, they are conducting collection activities on zombie debt. Not only is this zombie debt, the documents I have attched show the account has been re-aged and the status misrepresented to the credit bureaus in order to continue collection attempts via reporting the information. This is being reported as an " Open '' account when in fact it has been closed for many years, according to the original creditor, and the company gone out of business. The computer generated print out of the alleged debt that this collection company has sent to me did not meet the legal standard of validation as requested ; However, their own document shows the 1st date of delinquency as XXXX, XXXX, yet they as reporting the account as opened as of XXXX, XXXX, as evidenced by the printed screent shot of the account. Additionally, they are reporting it as an alleged {$1300.00} debt, when I have evidence of a statement from a previous collection company showing an alleged debt for a different amount, which brings intoi question the entire history of the alleged account as inaccurate. I have atteched this document for your reference. This is why I requested the account history from both the Original Creditor, XXXX, and this collection company, Converegent Outsouring , IncXXXX which neither has provided as requried pursuant to a request for investigtation into the accuracy of the records via the FCRA Section 623. Reporting the alleged account as being opened XX/XX/XXXX, is impossible evidenced by the date of 1st delinquency reported by their own firm. This is merely and attempt to re-age the account by this collection company, which I am sure you are aware is a violation of the FCRA. I'm sure you are aware of the provisions in the FDCPA. However, I would liiketo point out that this company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute can be found in 15 USC 1692e subsection 2 The false representation of - ( A ) the legal status of the alleged debt AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. This alleged account is zombie debt which has been re-aged to misrepresent the staus. I am also certain this company does not have, and has in fact failed to provide on serval occations as requested, adequate documentation to prove in court they have a right to report this negative information on my credit report, and therefore are in violation of the FCRA as well as the FDCPA.
Product: Student loan

Ive been working for months to get my complete transaction history of my loans from start date of repayment. To date Ive been sent the same document over and over and it fails to include my loan balances. I just want to be able to see how my balance has gone down as payments have been made and Mohela continues to disregard my request and only sends a document that has payments and what was applied to principal or interest leaving me completely out of the loop on my beginning balance, and how balance has gone done against payments made. Idk what more I can do to clearly state what I need from them. 

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

I am writing to follow up on my dispute resolution requests submitted to Experian, XXXX, and XXXX on XX/XX/2024. Despite the XXXX timeframe outlined by the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions from any of the bureaus.

Enclosed are copies of all correspondence and documentation related to my disputes. I respectfully request prompt attention to this matter, coordination with the credit bureaus, and clarification on the expected timeline for resolution.

Thank you for your assistance in resolving this issue.

Sincerely,
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$690.00} ; XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits.

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts on my credit report that dont belong to me I have replaced my ID, and also disputed these transactions with the companies. If it is not resolved I will be filing a police report. The accounts are not mine and need to be removed are listed below with balances. XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX balance : XXXX, XXXX XXXX XX/XX/XXXX balance : XXXX.
Product: Credit card or prepaid card

Took wife 's car to the dealership for services picked the car up paid using our DISCOVER CC She was driving to work wife noticed there were issues with said repairs. The car shook violently radiator recovery bottle was empty and tires were not rotated. Paid for rotate n balance-oil change and alignment contacted dealership immediately via phone-voice mails emails and none were replied to so on wifes next day off ( XXXX XXXX XXXX XXXX ) Had to take her car to a different shop after seeing what they didnt do correctly and things they didn't do at all and the fact they were ignoring all the emails and voice mails I was leaving. Upon having to pay for the same services again I threatened reviews and chargeback to the dealership and I get a response and was told to send them the invoice and they would send me a check ( have email ) Well they never did so I disputed the charge, XXXX closed the dispute saying dealership sent them a signed invoice even with all the documentation I sent showing paying for same items on the same car 5 days later. Service`s were not performed correctly and some not even done. So I call XXXX again on XX/XX/2020 and was told if I sent the email with the service manager telling me about a refund they would dispute that amount. So today XX/XX/2020 I call and I am told its good I sent that in but there is nothing they can do.
Product: Credit card

American Express is not honoring the welcome bonus offer that they keep sending me. I was approved for the card but they are not honoring the bonus that was offered for opening the card and spending a certain amount. I met the terms of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company TransUnion XXXX XXXX explained to me that they would not except my dispute because they feel its from a third-party. 
I continuously explain to them that the dispute did not come from I sent them my ID verification I also sent them documentation for address verification They told me to dispute over the phone or online I explain to them that I did not want to dispute over the phone or online because I did not want to give up my rights Please re-investigate this matter and remove it from my report
Product: Credit reporting or other personal consumer reports

Once again experian sends me another ridiculous notification that dispute is ready to view online which of course is a lie and yet again it says to call and when I do and tell the none XXXX speaking person who wants my whole social security number which I flatly refuse and when I told him I was also recording our conversation of course he hung up, fraudulent fraudulent fraudulent fraudulent company
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was able to get a loan funded with XXXX XXXX XXXX XXXX XXXX XXXX ) using my credentials. The loan in the amount of {$12000.00} was funded I believe XX/XX/22. A hard inquiry on my credit report was done in XX/XX/22.
Product: Debt collection

I have requested 5 times that Navient not call my home or my cell phone. I am receiving at least 10 calls a day at all times on both numbers. When I do answer, it is usually an automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a reinvestigation of the completeness and accuracy of the list of accounts 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 XXXX # XXXX I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.
Product: Credit card

Bestbuy.com .BestBuy accounts many purchases declined XX/XX/year> on BestBuy.Con .Couldnt access credit certificate to add to purchase.Credit card declined multiple times replaced cards still cant make a purchase.Fraud alert from online purchases while getting help from customer service.So many customer service departments on the phone.Customer service sends certificate to wrong account.Use old email never used.Corporate Department has no idea what customer service is doing.Unable to make a purchase on BestBuy.com.No customer service supervisor available to resolve the issues.account department.rewards department, Credit card department.Online account department.Purchased Department to many departments.Wrong dates on deciine purchases wrong accounts.inaccurate information from customer services .Best Buy has the worst on line an phone customer service I called many times no resolve.Corporate customer support has no idea whats going.2 credit cards cancelled
Product: Debt collection

I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from The Best Service Company. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted The Best Service Company multiple times, the last being on X/X/2017, for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from The Best Service Company.
Product: Student loan

XXXX repayment plan began at XXXX back in XXXX and is now around XXXX Ive made XXXX payments on and off since XXXX or XXXX even though the XXXX payments were a ridiculous amount. My uncle is the co-signer and went became XXXX I asked for him to be removed from the loan. He has never been removed and when I was jobless they treated to take his XXXX check so I had to get someone to help me make the payments. 
My loan is also in the XXXX vs XXXX lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with General Motors about incorrect information on my credit report ie. They said I owed them {$170.00} which was supposed to be late fees the problem was that these late fees they spoke of was already paid because I was in the process of starting a new contract with them to pay off automobile because time had expired on old original loan with them in order to start new contract I had to first pay off old late fees which I did, I filed a complaint with XXXX  and XXXX  about this XXXX  corrected it with no errors then I filed a complaint with the consumer protection company about G.M still reporting I owed them {$170.00} which I thought they had resolved now my XXXX  credit reports G.M list my account as a chargedoff/ paid account .which is in fact wrong my account was never listed as charged off in fact I have evidence that it was listed as open even though that in itself was incorrect, my initial complaint was about the {$170.00} which I didnt owe because it was paid before I could enter new contract I contacted G.M and they said they could see it was paid off in XX/XX/XXXX before I entered new agreement that being so then how is it listed as a charge off? Im submitting copies that show my account even though it was incorrect was still listed as open and also where they added a comment about my reaffirmation of debt in XX/XX/XXXX even though there was none at that date, that comment was already listed in XX/XX/XXXX during a bankruptcy.. as you can see my credit account say open also it says there was no balance to payoff after XX/XX/XXXX which was my last payment. So wheres this comment about charge off / paid coming from there was no balance left they were paid in full, I just submitted an answer to in regards to how I felt G.M handled my complaint this was done prior to the new changes on my XXXX  report which appeared today XX/XX/XXXX I was under the assumption ( All ) mistakes were resolved as you can see they were not
Product: Credit reporting, credit repair services, or other personal consumer reports

They are over 21 closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DelEit all Information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX  Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report.

I awai your reply wikh ( ne above reque sico prool.

Upon receiving All correscond back with you XXXX XXXX XXXX XXXX  Sincerelv. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report to credit bureau XXXX XXXX. 
The name under which this account contract was with is not the correct name. 
Also to report me as delinquent for all these years and then send me a annual valued cardholder letter is business fraud. This is harassment and evidence that reporting activity is in violation of FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 SECTION 602 A . STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. ALSO STATES THAT A CONSUMER REPORTING ANGENCY CANNOT FURNISHA ACCOUNT WITHOUT MY WRITTEN PERMISSION

15 U.S.C 1681C(A) (5) SECTION STATES: NO CONSUMER REPORTING AGENCYMAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE INFORMATION,OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681-2(A) (1) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TI A CONSUMER TO ANY CONSUMER REPORTING AGENCY OF THE PERSON KNOWS OR HAS CAUSE TO BELIEVE THAT THE INFORMATION TO BE INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I reported the accounts below as being opened as a result of identity theft. The accounts were then blocked/removed from the report and the fraudulent address associated with them was also blocked/removed. I recently noticed the accounts and the address has re-appeared and without any notification that it is was going to re-report. These accounts are a result of identity theft and I never opened them. I have tried to resolve with the bureau but with no response at all. They continue to report this information after initially removing/blocking it after receiving the identity theft packet in XXXX, and now re-reporting it in XXXX of XXXX,, and refusing to respond to my dispute regarding these accounts. The bureau is also reporting that I filed for bankruptcy when I have not filed. Then removing it and re-reporting that I filed a day later. 

Chapter XXXX Bankruptcy XXXX XXXX - Account Closed XXXX XXXX - {$18000.00} Due XXXXXXXX XXXX -Account Closed XXXX XXXX XXXX XXXX {$300.00} Due Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX