23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I contacted LEXISNEXIS by phone to inform them of errors in my credit report concerning the reporting of a bankruptcy that has been inaccurately documented. Upon my own investigation, it has been brought to my attention that the bankruptcy details on my credit report are incorrect, as bankruptcy courts do not typically supply this information to credit bureaus. Despite my previous request for accurate validation of all details, your company responded by asserting that all information had been verified. In light of this, I am requesting disclosure of the contact information used to confirm this inaccurate bankruptcy reporting. I know that they did not verify this inaccurate information because the US bankruptcy Court Clerk do not respond, report or contact any credit agencies to dislose information in regrads to bankruptcy
Product: Credit reporting or other personal consumer reports

My credit score went down XXXX points XX/XX/year> because of the bogus reasons that Equifax has come up with. 

Hurting your credit score : Lack of sufficient credit history I have a credit card for several years The date you opened your oldest bankcard or credit card account is too recent What is too recent?

Lack of sufficient relevant real estate account information I dont have to own real estate The balances on your accounts are too high compared to loan amounts What does that mean?
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. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX Date XXXX Balance : $ XXXX XXXX Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Buy XXXX XXXX/Citibank credit services have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did BestBuy CitiBank not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact Best Buy customs service as well as XXXX XXXX - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why Best Buy/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more
Product: Checking or savings account

I was told that someone is receiving a payroll check from my business account. I do not do payroll there only XXXX employees i have ask the bank no answers how can someone do this with out me knowing and the bank statements does not show me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXXXXXX XXXX : {$560.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}
Product: Credit card or prepaid card

On X/XX/18 I called Capital One to remove a $ XXXX monthly fee from my oldest opened account. they declined offering to open a new account with a yearly fee instead of a monthly. I have a credit score over 800. I have an XXXX and XXXX XXXX XXXX I use as my daily cards. Capital is purely nickel and dimming me. I offered to use the card and have the fee removed. I offered to have it converted to a standard card with no fee. Capital One declined each offer.
Product: Credit reporting or other personal consumer reports

I took out a personal loan with MoneyLion in XXXXXXXX XXXX 2023 to pay some debts, I have always paid the loans payments timely, I was terminated from my employment and I was unable to collect unemployment where I was not able to pay timely, I HAVE ZERO SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXX XXXX, I have no friends to XXXX XXXX, XXXX XXXXXXXX, AND XXXX XXXXXXXX due to XXXX XXXX XXXX XXXX. I was denied unemployment benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A YEAR OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been XXXX XXXX XXXX along with MULTIPLE XXXX XXXX XXXX XXXX and an XXXX XXXX with a man for 6 years who repeatedly pushed me down the steps, XXXX XXXX, gave a XXXX XXXX due to him cheating with someone else outside of our relationship, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX due to this issue or perform during XXXX activity. I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT THE LOAN BALANCE IS PAID IN FULL AND THIS ACCOUNT is REMOVED FROM ALL CREDIT REPORTS IMMEDIATELY!!
Product: Debt collection

I am a victim of identity theft and on XXXX XXXX, 2016 I send a formal dispute to Rent Recovery Solutions ATTN : XXXX XXXX. This request was sent Rent Recovery Solutions via Fax to XXXX and the transmission verification report states result OK. Enclosed with the request was the following : a copy of driver 's license, proof of address, the police report, Power of Attorney, credit report, Social Security card, and police report as required. We have yet to receive confirmation from Rent Recovery that our dispute was received nor have we heard back from XXXX XXXX after several attempts. Our dispute has now been pending for over 65 days and this should have been ample time to at least hear back from the company. I am not requesting that this account been deemed fraudulent and to obtain a clearance letter to ensure my client will not be held liable for this debt at a later time.
Product: Credit card or prepaid card

I have set up to pay automatically my credit card minimum payments. Despite choosing the minimum amount due for the auto pay, the credit card company tried to withdrawal my full balance which got returned. Now they closed down my account for returned payments! I have made aware a representative about my issue but they didn't want to reinstate. 
This must have been an issue with my app because I got the full amount in addition to the {$25.00} minimum payment due. 
Now this error is causing me to get a hit on my score! Please help resolve this.
Product: Debt collection

Did not receive notice of a medical bill. Because they failed to send a debt validation notice, I did not even know about this bill. 

Details - Collection Agency AMERICOLLECT INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$70.00} Amount {$70.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact AMERICOLLECT XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I'd discovered an old account that was recently deleted from my consumer report. This account has been deleted & reinserted on my consumer report without notice. Equifax has violated section 1681i ( B ) ( ii ) Treatment of inaccurate unverifiable information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Accounts : XXXX XXXX Act. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked experian why my experian the only credit report that is going down instead of going up. I am unable to get a straight answer or anyone to help me.
Product: Mortgage

Bank of America sold our loan to another bank and did not tell us they where doing so. When we went to pay our mortgage we where not allowed to pay it and it became late. This also hurts our credit cause of the way credit reporting companies rate length of credit history.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX the XXXX I made a purchase through the Paypal platform for 1 gaming system for {$99.00}. The merchant listing on paypal did not reveal that the merchant was not located in the United States of America and in addition, I was charged for 3 gaming systems instead of 1 and I was charged for the amount totaling XXXX. After reading a policy of paypal I took the step required of contacting the merchant who was unresponsive, and I contacted paypal to advise and dispute and my paypal declined to offer any remedy for the transaction, and paypal have failed to offer any assistance with communicating with the XXXX merchant or recouping the funds. 

Item # XXXX XXXX ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed unauthorized inquiry on credit file. Requested validation of authorization and signature multiple times.
Product: Credit reporting or other personal consumer reports

Today I learned that there is a collection against my name that I know nothing about
Product: Mortgage

My mortgage company is freedom mortgage now for the third year in a row my house payment went up and it is there fault. I called them the XX/XX/XXXX and asked them why my house payment went up again, at first I was told that my home has to be in compliance with state and city ordinances, I told them my house is only 5 years old. Then I was told my property tax or insurance hasn't gone up, but he said they did an escrow analysis and I was XXXX dollars in the hole. I asked them how did I get in the hole and was told we didn't take enough money out for your property tax, I explained to them I didn't receive anything about my taxes going up. So now they up my house payment again now its over a thousand dollars I started out at XXXX now I am over a 1000 dollars. This is my mortgage company aren't they suppose to know what my taxes and insurance is, and I  have sent a copy of my circuit breaker for taxes 3 times and there telling me to send it again. I have never had a house payment change for three years in a row. I feel this is there error not mine but now I have to suffer with a raise again in my house payment well good luck freedom mortgage your getting the same payment we cant afford XXXX a month as were both on XXXX social security. Something has to be done to stop this mortgage company from raising my house payment every year. We also on the Property Tax Reduction for the last 3 yrs, which we have sent to freedom Mortgage several times.
Product: Checking or savings account

I got gas on Saturday, then I was charged XXXX  of XXXX XXXX fee they treat you so bad, the have hold on your money, the representative started scolding me, I don't want hurt the credit union but they are hurting me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
Product: Bank account or service

My wife and I purchased IRA 's at City National Bank in XXXX XXXX ( actually it was the XXXX XXXX, CA branch ). The IRA Certificate Numbers XXXX and XXXX XXXX. I moved from the XXXX XXXX address in XX/XX/XXXX and gave the address change to the bank. Bank statement received showed that address. The IRA 's were automatic roll overs, so without regard to out further contributions, they should still be there generating money. I wrote to City National ( via fax ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with all our info attached. I was promise they would get back. I talked with a XXXX XXXX. They indicated the funds escheated to the State of California. The State of California 's XXXX 's office has no such records as of XX/XX/XXXX under my social security number. My wife ( XXXX XXXX XXXX ) do not recall cashing either out, changing the directives or getting any notices. I will scan and send all my information for your review ( as I previously did City National Bank ). We lost our money. We want it back with the compounded accumulated interest from roll overs and published rates. I understand I will need to submit a separate request for my spouse.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE / XXXX XXXX XXXX   XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Payday loan, title loan, personal loan, or advance loan

I am not liable for this debt with Sun Loan and do not have a contract with Sun Loan Company. They did not provide me with the original statement or application when I asked. This was requested 30+ days ago. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report. I contacted Sun Loan Company and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. They did not respond to the XXXX as well.
Product: Credit reporting

Reporting of obsolete accounts has shown up on at least XXXX ( TransUnion and XXXX ) of my credit reports. This is old debt that was sent to collections in XX/XX/2004, and thus is past the date at which it can continue to be reported to the creit reporting companies. I want any and all information pertaining to this debt removed from my credit reports. I am attaching documents that show the dates of original default on the debt, as well as current proof that it is in collections. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are falsely reporting incorrect information on my personal credit reports. There's a list of inquiries on my credit report that was never authorized by me. These inquiries listed below was executed without my consent or knowledge. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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  XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX I have a record of 99 % ; paid on time .for 5  years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX . I have a letter from XXXX XXXX stating the account was paid in full no late payment. I need XXXX auto loan to correct the information of a late payment I was never late I demand from XXXX XXXX to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative
Product: Payday loan, title loan, or personal loan

I was on my bank trying to apply and it directed me to start up and once I tried an application loan for them it told me that I was unable to get a loan through them but was able to get a loan through a third party. Before I even put any of my information it had my information so I figured it was through start up in the website was secured when I went on to loanme.com After filling out the online application the page refreshed and had told me that I was pre-approved and redirected me to the next screen, which said that my approval was pending and that I would receive an email for next steps. And when I went on to their website and tried logging in I told me I was not a member or did not have an account. Prior to going on to loan me I had screenshotted where my bank directed me to loan me and I noticed on the top of my screen shotted picture it had said loanmee.com Right away I noticed it had an extra e and started freaking out. I know think my life is ruined and don't know what to do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Balance : {$100.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXX XXXX : {$260.00} - Date of Last activity are showing different dates this is inconsistent and a violation please remove. 

XXXX XXXX Balance : {$3100.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately XXXX  XXXX XXXX Balance : {$4300.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$7500.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$2800.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove.