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

On XXXX XXXX LexisNexis added a derogatory mark on my credit report per LexisNexis. Upon further research, on XX/XX/2021 I asked the company LexisNexis in writing to verify the account. After 30 days I than demanded for the Bankrupcty account to be removed from my credit report, due to the fact debtor creditor states theyve verified this Bankrupcty account with the United States Bankrupcty Court. On XX/XX/2021 I contacted the Bankrupcty court to confirm the information I was told by LexisNexis. In writing it was stated the United States Bankrupcty DOES NOT REPORT information to the credit bureaus. I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused public record at all. According to the FCRA LexisNexis has violated my rights as a consumer and Im requesting legal action to remove this public record off my credit report. 



The Company Lexis Nexis claimed that it needs to verify my identity in order to complete the investigation, in which is very false information. On XX/XX/2021 I mailed in a formal written complaint asking for proof of the bankruptcy to be verified. Along with the letter I attached identification such as utility bill, drivers, and proof of car insurance. 30 days after the formal complaint letter I than filed a 30 day demand letter asking for lexis Nexis to remove the inaccurate public record. I also have proof of each letter stating Ive provided the correct documentation following up on the dispute. I decided to file a complaint with the CFPB. In which my problem was still not solved I dont understand how the CFPB Can allow for companies to get away with making money from minorities with bad credit. This is unfair, and my problem was not been solved this company has no proof of the Bankrupcty so This public record needs to be deleted. The courts does not report to credit bureaus
Product: Mortgage

Bayview Loan Servicing LLC has violated Bankruptcy Law and State and  Federal laws by trying to foreclose on our home. XXXX XXXX XXXX has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer XXXX XXXX XXXX developed a scheme and transferred loan to Bayview Loan Servicing to cover up Bankruptcy Law violations.
Product: Credit reporting or other personal consumer reports

I was on an active COVID-19 forbearance under the CARES Act from XX/XX/XXXX through XX/XX/XXXX. Prior to entering into the forbearance, my XXXX XXXX mortgage was current. I was not required to make any payments during the forbearance period. 

On XX/XX/XXXX, I submitted a completed loss mitigation application. 

On XX/XX/XXXX, my XXXX credit score was XXXX. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX  regarding Notice of Default. The notice indicated that I was in default on my mortgage for failure to pay the monthly installments due. In order to cure this default of mortgage, XXXX XXXX  must receive funds in the amount of {$14000.00} The notice further indicated, We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report.

Approximately on or about XX/XX/XXXX, I received notification that XXXX XXXX  reported my mortgage status for XXXX as a missed payment as they indicated in their XX/XX/XXXX, letter and my XXXX credit score dropped XXXX points from XXXX to XXXX. 

In XX/XX/XXXX, I requested a credit correction from XXXX XXXX  asking them to correct my XX/XX/XXXX credit reporting from a late status to a current status at all three ( XXXX ) credit bureaus, Transunion, XXXX and XXXX because I still had consumer reporting protections of the CARES Act after my forbearance ended. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  Consumer Bureau Management stating, We received your dispute request related to your account. Based on our investigation, we have determined that the account information submitted by XXXX XXXX to the consumer reporting agencies is accurate. The forbearance expired in XX/XX/XXXX and the account is not currently under credit protection. 

Based on the facts XXXX XXXX  determination outlined in their XX/XX/XXXX, letter, is inaccurate. The consumer reporting protections of the CARES Act continued to apply to the time period that I was covered by the forbearance after the forbearance ended on XX/XX/XXXX. XXXX XXXX  can not report a consumer that was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ended. XXXX XXXX  also can not advance the delinquency of a consumer that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends.
Product: Debt collection

I reached out to source reveivable management XXXX XXXX informing them they are reporting an invalid account. I do not owe on this account and do not have a contract with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed XXXX XXXX XXXX  accounts With equifax they keep marking them verified after 3 days these XXXX accounts do not belong to myself. There is no way these accounts have been or can be verified that they belong to me
Product: Debt collection

I had a student loan with XXXX XXXX XXXX XXXX services back in XX/XX/XXXX-XX/XX/XXXX year. The company started to garnish my wages because my loan became delinquent and we came to an agreement that if I made six on time payments that they would stop the garnishment and I would rehabilitate my loan to current status. I decided to go that route and made the necessary payments to bring my account current. I then decided to consolidate all my student loans with XXXX XXXX because I did n't want this problem happening again. Once XXXX XXXX had told me they had disbursed the money to XXXX XXXX XXXX XXXX I called to see if they had received it and they told me that they did receive it and that the account would report as paid on my credit report like all my other student loans. Unfortunately they made an error on my credit report that I just recently noticed that has cost me from refinancing my car. On my XXXX credit report they have my account showing as a charge off instead of paid which my other two credit reports show. As stated before I was denied refinancing of my car because my credit union used XXXX as the credit reporting agency that they used for that feature. l-
Product: Bank account or service

My interest rate with XXXX XXXX XXXX card raised without my knowledge. I sent XXXX a certified letter asking my interest charges back and they never responded. I can submit to you all of the paper work if you wish. I just got off the telephone with XXXX now I was told that I was notified of the interest rate increase. This is not true.
Product: Credit card or prepaid card

I've made several attempts to dispute fraudulent credit cards that have posted to my credit file. In which nothing has happen. Please help me to dispute the accounts that should not be posted to my credit as Covid has taken so much from me and my family. I've also attempted disputing with XXXX, XXXX, XXXX. In which I received no response.
Product: Checking or savings account

I signed up for a new savings account with Upgrade using a referral offer that stated if I fund my account with {$15000.00} - {$29000.00} within 30 days and keep the account funded for 60 days, I would receive a signup bonus of {$75.00}. I opened the account through the referral link and everything in the terms showed this link was active and would be attached to my account. I funded my account within 30 days over the {$15000.00} requirement and help the funds in my account for around 4 months. I waited for the promotion to be applied to my account but no bonus was deposited into my account. I called customer support and they said no offer was attached my account and they will not offer any assistance unless I have screenshots of my opening account ( who takes screenshots of this ... that's not normal practice ). They refuse to pay out the bonus even though I opened the account during the promotion timeframe, and deposited the exact amount required by the promotion ( why else would I deposit this amount? ). They stated they have the ability to manually apply the bonus but will not do anything without a screenshot of me opening the account ( which they know I wouldn't have ). I need my {$75.00} account bonus applied for following all the terms.
Product: Credit reporting or other personal consumer reports

After disputing unauthorized use with police reports and company information from all 3 credit reporting agencies providing proof of me being the victim of unauthorized use and fraud! 
XXXX and XXXX and equifax still has history and accounts that accept to be removed and also proven to be removed completely, are still on all 3 credit reports for the 2 yrs and the present! 
I want XXXX XXXX  and XXXX XXXX, XXXX  to be removed permanently from all 3 credit reporting agencies!!
Product: Credit reporting or other personal consumer reports

This debt was sold to another agency, XXXX ( XXXX XXXXXXXX XXXX ). This agency made no attempts to contact me regarding the debt. Instead, they placed a derogatory credit item on my credit report, even though the original loan was taken out over XXXX years ago. I have made several written requests to resolve this debt but have not received any response from the agency. I have also disputed the information with each XXXX XXXX XXXX, Equifax, XXXX XXXX, and XXXX. However, these agencies have failed to review the validity of adding a debt to my credit file even though the debt is almost XXXX XXXX XXXX at this point.
Product: Credit reporting or other personal consumer reports

Dear Equifax XXXX XXXX XXXX Department, I am writing to formally request the removal of fraudulent inquiries on my credit report resulting from identity theft. Upon reviewing my credit report, I have identified several inquiries that were made without my authorization. These inquiries are associated with someone who stole my identity and are not linked to any actions taken by me. 
The fraudulent inquiries I have identified are as follows : 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am not liable for any fraudulent inquiries or accounts resulting from identity theft. The FCRA mandates that consumers are not responsible for inaccuracies or fraudulent activities perpetrated by identity thieves. As such, I am requesting that these fraudulent inquiries be promptly removed from my credit report.

I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which includes a list of the fraudulent inquiries. Enclosed with this letter are copies of the following documents to support my request : FTC Identity Theft Report A copy of my credit report highlighting the fraudulent inquiries Proof of my identity ( e.g., drivers license, utility bill ) Please investigate this matter and remove all fraudulent inquiries listed from my credit report. I kindly request written confirmation of receipt of this letter and a detailed response regarding the actions taken to address this issue. Should you require any additional information or documentation, please feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On an XXXX XXXX flight in XX/XX/2022, the flight attendant gave out information about a Barclays XXXX Credit Card with a XXXX XXXX bonus introductory offer if a purchase was made with the card. I opened the account and made the first purchase on XX/XX/2022. My account shows that I made the purchase and qualify for the XXXX bonus miles that would be credited into my account within 4-6 weeks. The time passed and the miles were not credited. Early XXXX I contacted Barclays and was told to wait until the next billing cycle. On XX/XX/XXXX, after my second contact they opened a case to look into the issue. I have spoken on the phone to customer support multiple times, I have been in email communication and even over XXXX XXXX with Barclays who keeps telling me to be patient and that in the next billing cycle I should be credited the rewards. I was using the card regularly with on time payments every month. It has been 5 months and 5 billing cycles and the XXXX miles have not been credited. I believe this is a bait and switch. They enticed me to open the card. I have used the card spending at least {$20.00} XXXX in the last 5 months and while the monthly miles have credited to my account, the XXXX k miles introductory offer has not.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a part of the data breech and the accounts, names, addresses, phone numbers, email address, employment information on my credit report is reporting incorrectly. By right, I have the right to have accurate information reporting on my accounts recorded by Experian, XXXX, and XXXX.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM Opened XXXX I have never signed any agreement or contract with this company and I do not believe I owe them any money
Product: Credit reporting or other personal consumer reports

I have included below the Hard Inquiries I do not recognize done by me. 

XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Transferring cash from Cash App to my XXXX account I linked my cash app 's account to my XXXX via online. Per Cash App, all cash out transactions were deposited to a XXXX account ending XXXX. My account linked to my Cash App account ends in XXXX. An estimated $ XXXX was transferred to someone else account.
Product: Credit card or prepaid card

Hi, In XXXX we had issues related to XXXX and my son was born ( for which I needed to take paternity leave ). 

In XXXX I needed to take XXXX. Due to this, I also needed to change jobs, from which I was laid off -- due to no fault of my own -- in the beginning of XXXX. 

I am not yet eligible for unemployment and have not found a new job yet and have {$0.00} coming in. 

I have called my credit card companies to ask for a hardship forbearance. 

I called AmEx and have been given the run around, given additional numbers, first I called the number on the back of my card, and spoke to XXXX. She sent me to the " FRP Team '' without explaining what that was, and XXXX then told to call XXXX. 

XXXX picked up the phone, who then transferred me to XXXX XXXX. 

Finally, XXXX told me AmEx would not be willing to do anything unless I would be willing to pay, and that after XX/XX/XXXX I would be sued. He asked for information I believe he had no business to, that was in no ways related to a forbearance so that I could regain my status as a cardmember in good standing after the forbearance was over. 

Yesterday, XX/XX/XXXX, AmEx sent someone over to my residence, who banged on doors and windows, looked through the windows, and scared my wife to the point where she told him she was calling 911. The unknown man left behind a packet of papers indicating I'm being sued, and a number of items in the packet are incorrect. 

Then, today, XX/XX/XXXX, at XXXX someone named " XXXX XXXX '' from American Express informed me that he wanted to " keep my account in good standing '' and that they " valued my business. '' When I mentioned that if AmEx wanted to do that they should drop their law suit, he said he couldn't do that. He asked for a number of pieces of information that was none of their business, like where I bank, and where I work. I told him I had an attorney and that as this was a suit the contact should be through the attorneys but he kept talking anyways. 

It is my opinion AmEx is trying to intimidate me. A process server does have the right to serve me personally, as per the relevant civil codes in NY State, but does not have the right to be a peeping tom and look into my windows and at my wife. 

AmEx clearly lied in that they said they were going to sue me after XX/XX/XXXX, but they tried to serve me XX/XX/XXXX and the papers clearly stated they had actually filed suit in XXXX. 

After initiating legal action ( which has its own set of rules about how they may now contact me through my attorney ) they called me up and asked me to pay off the debt with an implied " or else. '' AmEx certainly doesn't have to be nice, but they do have to follow the rules. This is a clear case of intimidation and I would like to see them drop their suit and work with me like a civilized company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation of 15 USC code 1681i ( 5 ) Removal of Inaccrate/invalidated credit information.Please remove immediately.

Inaccurate Reporting.

I have submitted a dispute for inaccurate information Showing a past due balance on a closed collection account. Dispute has came back verified. However it's inaccurate I have attached documents below.
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/XXXX you received my dispute regarding some transactions and late payments that you and XXXX XXXX XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!!

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b , and you have fraudulently verified an account without a reasonable procedure as required by law. 

Delete this incomplete and unverifiable accounts and transactions from my consumer reports : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/19 at XXXX I received an email stating that I requested new credit and debit card, because mine were damaged. I did not make such a request. 
On XX/XX/2019 I went to the Chase branch and informed that I did not make such activities. Chase employee suggested closing the old accounts and opening a new one. I agreed. As of XX/XX/2019 my accounts were closed and I do have a written confirmation. 
On XX/XX/XXXX I received a temporary ATM card. I asked chase employees if my previous accounts were closed for sure, they confirmed. I asked if them if its safe to deposit money to my new account. They stated that my accounts are safe and secured. On XX/XX/XXXX I deposited XXXX $ on my new ATM card. 
I received a new debit card in a week of XXXX of XXXX. I activated but never used it. On XX/XX/XXXX there was ATM withdraw for {$500.00} and XXXX $ dollars that I did not make it. Also i never shared by debit card pin or I never asked anyone to withdraw money for me. 
On XX/XX/XXXX I called chase and I made a claim. 
On XX/XX/XXXX I was informed that my claim was declined because whoever used my card knew my pin. They also informed me that the money where withdraw using my old debit card that supposed to be shredded on XX/XX/XXXX by Chase employees. 
On XX/XX/XXXX Chase representative informed me that they wont proceed with an investigation and that I wont be able to get my money back from Chase.
Product: Debt collection

I have been receiving repeated calls from Aldous and Associates. They keep calling me with the same message of " This is XXXX XXXX calling from Aldous and Associates - either reach out to him or XXXX XXXX. '' I looked up Aldous and discovered it relates to a health club debt. 

I have NO record of health club debt. I do not know why they regularly call me. They have provided ZERO proof of debt owed. I am practicing XXXX- please show me where the proof is of debt owed and cease calling me once and for all. I already canceled my membership with XXXX many months ago and paid off my outstanding debt to the company.
Product: Money transfer, virtual currency, or money service

PNC made changes that will not allow us to link accounts in order to access a grant we are applying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX bank # XXXX, Account name : XXXX collect XXXX XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Department of Education/Aidvantage 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 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, 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.