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

Lexis Nexis is reporting false information to my credit file at XXXX, XXXX and XXXX credit agencies. Lexis Nexis Is not a credit reporting agency they are a are a division of XXXX, along with XXXX LexisNexis Risk Solutions, and XXXX XXXX. XXXX is a global provider of information-based analytics and decision tools for professional and business customers, enabling them to make better decisions, get better results and be more productive. Im not sure why XXXX would utilize this company to grade my credit worthiness, my payment history, the number of account I have in good standing and how long my open credit account have been open but either way Lexis Nexis is reporting false information to my credit file by way of the products that they are selling to XXXX, XXXX and XXXX credit agencies. This action is a violation of the fcra and XXXX The information that Lexis Nexis is selling to XXXX, XXXX and XXXX credit agencies has not been verified, a collection agency must verify the amount and validity of a debt before they can rely upon the information under the federal Fair Debt Collection Practices Act ( FDCPA ).

Lexis Nexis False Court cases and other criminal history information tto my credit file falsely and to creditors I seek to do business with.

All of my good credit efforts and work that I have put into my credit file is being over shadow by the action of Lexis Nexis providing fraudulent information to all the credit agencies.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Home at XXXX View XXXX XXXX CA XXXX has not been foreclosed on by Chase Bank after homeowner walked away in XXXX of 2015. Assesmmnts are behind and no title transfer or maintenance to property.
Product: Credit card

I ordered an item at Macys in XXXX XXXX using my Macys credit card of {$160.00}. I made the purchase on " pre-sale, '' meaning I got a discount but could not pick it up until the next week. I decided to cancel the item and called the store to cancel the purchase, which they did. I was told I would not be charged unless I picked-up the item, however my XXXX statement showed the charge. I opened a dispute via the Macys online portal and called them to let them know the charge was in error. They told me they would investigate it and it would take up to XXXX billing cycles to review and I did not need to make a payment on the card. They told me this in writing and on the phone. ( Note, that charge was the only item on the account -- my bill is always paid in full. ) I started getting interest charges and late fees due to this disputed charge, which Macys reversed when I called them every month. I spent the next six months, through XXXX XXXX calling and trying to find out the status of my dispute and resolve the account. Then in XXXX, even though Macys told me multiple times not to pay the bill on the phone and in written emails, they reported me to the credit bureaus. They placed multiple XXXX, XXXX, 120 day late marks on my credit report which damaged my credit by over XXXX points. When I called and told them I was just following their written instructions, they told me there was nothing they could do. They could not remove the derogatory information until the dispute was resolved in my favor. After many HOURS of calls over a period of months, I finally spoke to someone competent who researched my case and found the dispute WAS actually resolved in my favor in XXXX XXXX but Macys " forgot '' to process it! She told me someone dropped the ball in the dispute department and never sent the file to the credit department. She told me they were updating my account to show a {$0.00} balance and they would put a rush to remove the derogatory credit reporting. However, it has been a month and Macys is STILL showing the full balance, adding more late fees, and my credit has not been fixed. I now have a letter from a collections agency from Macys. 

I have spent hours and months trying to repair this issue which is completely Macys fault. They charged me for something I never got, they did not properly handle the dispute, they told me not to pay then trashed my credit, and now they told me it is being fixed and nothing has happened. This company is negligent and has tarnished my credit because of their negligence and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA my credit report is supposed to be fair and equitable. The 3 CRA 's are reporting negative and inccurate accounts on my report > None of the reports match and they all should if the information was correct. Nothing is supposed to be furnished on my credit report without my consent.15 usc 1681b. And according to the US Constitution the only way you can pay a debt is with silver and gold, and since there is no silver and gold. Trans union is the worst in accuracy. 15usc1681e ( b ) 15usc1681a ( 2 ) ( B ).
Product: Debt collection

Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has provided inaccurate information and its ruining my credit.
Product: Debt collection

Three times I have received a call from XXXX XXXX XXXX about a debt that I have, I have explained why at the moment I cant pay, and that I am working on solving the issue but they continue to say they are going to freeze my bank account, that I will be seen as a criminal if they file a civil case, that I will have to way to support my kids because I will be a criminal.
Product: Debt collection

This company has called me on several different occasions but today ( XX/XX/29 at XXXX CST ) they called a family member trying to find me. I decided to give this company a call to see why they were trying to reach me. I reached them at XXXX CST, this person did not identify as a debt collector, did not advise me that the call was being recorded, and did not verify who I was. They let me know that they are collecting on a loan that I took out a couple of years ago and will garnish my wages. I stopped them and let them know that they were not licensed to collect in TX or that TX does not garnish wages for regular debt. We argued over this until he hung up.
Product: Credit reporting

Capital one has reported a XXXX to the irs but on my credit report its stating that I still owe a balance I have disputed this on several occasions and they have yet to change my charge off amount to XXXX if they reported as a write-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a credit alert last summer of 2022 that my score had dropped immensely. I logged into XXXX account to see if anything was ontoward. I saw that there is a credit card with JPMCB in my name in the amount of approximately {$67000.00} that was unpaid. The address attached to this card is an apartment address in XXXX XXXX. I live in XXXX XXXX. Prior to that I lived in XXXX XXXX. I have never had another address in Florida or the XXXX. I have never had a credit card with this company either. The card is also opened in a business name with my name. It is similar to me but not the name of my company. I have spoken directly to JPMCB XXXX XXXX to dispute this and also with XXXX XXXX reporting where I keep an eye on things. I had experian remove this address from my file. I have received a letter from JPMCB saying that after months of investigation they have determined that I am responsible for this account and that they determined the address via public records. Also, basing their information on the fact that there were no returned statements and that previously the card had been paid by money order before I am assuming the person stopped paying. WHat doesnt make sense is that I explained to them I have never had an address in XXXX and if that is what is attached to this account, why would that person who opened the account return the statements? It seems also obvious that if that person wanted to make larger or more purchases, wouldn't they would pay something so they could continue to use it? In any case, please can you help me to remove this address from the public records and or advise me how to prove to JPMCB that this is in fact not me. I have no other blemishes on my credit report. Thank you.
Product: Mortgage

I would like written documentation indicating who should be named on my Homeowner 's Insurance Policy as the Mortgagee. The company keeps telling me it should be Lakeview Loan Servicing, but they have been unwilling to provide evidence or written documentation to back up that statement. In addition, I have gotten statements over the past year from both Lakeview Loan Servicing and XXXX, so I am not sure which, if either of these two companies should be named as the Mortgagee in my homeowners insurance policy. When I dealt with this company this past summer requesting the removal of my PMI, they told me that the reason it took you over 60 days to respond to my request was due to the fact that they were just the loan servicer and could n't make any decisions themselves, which makes me wonder whether they should be named as the Mortgagee on my home owners insurance policy.

Further, I requested this information on XX/XX/XXXX and was told it would be sent that day. I never received this documentation. I have now waited over a month and have received nothing. This needs to be provided asap as I have an insurance check that I need to have endorsed in order to pay for repairs that I have paid for out of pocket that were covered by my insurance policy.

I have basically perfect credit. I am years ahead on my loan payments and still this company treats me like I do n't matter and am requesting something ridiculous. I have a contractual obligation under my mortgage to name my mortgagee on my homeowner 's insurance policy as the mortgagee, and this company can not provide me the basic assurances or evidence that would substantiate that I have the correct company named in my insurance policy so that I can be certain I am complying with my contractual obligations.
Product: Debt collection

Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called First National Collection Bureau , Inc, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!
Product: Checking or savings account

I opened up an online account with Capital One. I had a fraudulent transaction on my account. I called to dispute it. I am away at college and do not have access to a branch nearby. There was only XXXX disputed transaction. I requested that my card stay active through the weekend as they would not send me out a new debit card until Monday and today is Friday and just block the company attempting to charge my card. Capital One went ahead and froze my account without telling me and without my authorization leaving me stranded. I had requested to speak with a XXXX. XXXX several times because the offshore representatives did not understand to address my concerns. After several calls I was finally transferred to a XXXX XXXX and spoke to XXXX # XXXX. She was incredibly rude, kept talking over us and refused to provide an onshore customer service number to call on Monday. I only found out my card had been frozen when I attempted to pay a bill and was not able to do so. Capital One is holding my money hostage and will not release it. They froze my card without my permission or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called the dispute resolution center for XXXX and Transunion to discuss removal of a tax lien reporting that falls under the National Consumer Assistance Plan. These items fail the identification process where the name, address and SSI and/or DOB need to be documented to be reported ( the SSI numbers are partially redacted and there is no DOB on file ). In speaking to representatives and their supervisors at both agencies, neither was able to admit they had any knowledge of the NCAP or the Consumer Financial Protection Bureau and how they would effect the now erroneous lien reporting on my credit bureau. They also could not refer me to anyone in their respective organizations that would have knowledge of the NCAP or CFPB. They went as far as to refuse any knowledge of the existence of the NCAP and CFPB and also refused to investigate the possibility that they exist and do in fact offer a resolution to my request to have the incorrectly reported items removed. For reference, I called XXXX  and received an completely different response. The agent was aware of the NCAP, reviewed my credit file and agreed to delete the item in question within 24 hours. I have confirmed that the agent at XXXX has in fact followed through on his statement and that lien has been removed. Kudos to XXXX and shame on Transunion and XXXX. I have attached copies of the items in question so a quick review can confirm they do not comply with the NCAP and should be deleted immediately and permanently.
Product: Checking or savings account

I tried to book a trip with The company XXXX back in XXXX of 2019 and made payments from XXXX to XXXX of {$98.00} being the first payment and {$570.00} being charged 5 times and {$570.00} being charged once. Altogether I lost about {$3600.00}. The trip was cancelled due the Coronavirus by the company and now the company is refusing to refund me the money back. I have tried calling my bank and they will not go past 90 days. So therefore neither the company or bank will help me get back the thousands of dollars I lost.
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account that i attach bellow However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

On XX/XX/2020, I purchased a dirt bike from Orionpowersports and chose XXXX to finance a 12 month 0 % interest from the vendor website. I created a XXXX account and checked off the autopay feature. I linked my bank account to XXXX as directed. 

I then tried to enter the payment amount for the autopay feature and ended up instead, sending an {$80.00} payment to XXXX. XXXX handles all of their incoming contacts via a call center. One can open a chat session or call but the call center will not transfer call nor provide a person 's email. 

What I was told, is that autopay will pull the payment from my connected bank account for the amount of the minimum payment due from the current 25th statement. Then, if you want you can manually add to that minimum amount to make the payment whatever you want so that you have a {$0.00} balance after 12 months. Each manual payment would be different since the balance owed changes each month. 

I looked up references plus used my 69 years of experience to question how an autopay plan needs a manual adjustment. Autoplans usually have a fixed amount with a set number of months and is designed to have a {$0.00} balance at the term-end so that there is no finance charge due.

I reached out to Klarna through chat but they just repeated the minimum payment procedure. I have come to believe that this is an intentional plan on Klarna 's part.

My financing of {$1500.00} using the minimum amount ( about $ 32/mo. ) amount due method would have left me with a balance at the 12 month end date of about {$1100.00}. I would have to make a balloon payment or have the interest for the 12 months added to my balance. 

I believe that this is a deceptive and deliberate practice on Klarna 's part to have customers come up short and be charged interest. I have already made arrangements to payoff my balance and close my loan out so I am not personally looking for anything from Klarna. 

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

Transunion illegally re-aged XXXX XXXX XXXX sent Transunion a Section 609 Dispute Letter, and it was ignored by Transunion, they deleted the account from my credit report last year, and re inserted again this year this time they deleted dates of first delinquency illegally restarting the time limit on the debt ..this is illegal
Product: Debt collection

XXXX XXXX / XXXX / {$1200.00} XXXX XXXX XXXX/ XXXX / {$1100.00} XXXX XXXX XXXX/ XXXX / {$1100.00} XXXX XXXX XXXX XXXX / {$1000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$30.00} ( with an additional {$1.00} fee to PayPal ) to a scammer on accident. I was trying to send a donation to a field scientist conducting research. When I reached out on social media to ask the scientist if they had a PayPal or similar payment app a scam account that looked exactly like the actual scientist 's account replied immediately with their own PayPal email address. Not being aware of this kind of scam I sent the donation and checked the " Friends and Family '' box on PayPal which apparently waives all protections. After sending the money I went back and saw the account was a fake and after XXXX that email address I can see it's being used all over social networks to scam people and has been for months. I contacted PayPal about cancelling the payment or a possible refund, opened a dispute case, and told them all this with pertinent details and they closed my case without any kind of update or solutions. PayPal doesn't let you submit a case specifically about being scammed. PayPal has done nothing in my eyes to remedy this kind of scam is perfectly fine with collecting people 's fees from these transactions.