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

In 2020 LexisNexis submitted a report to the Kansas Department Of Labor in response to an application for assistance. LexisNexis gave them a consumer report for me that had an incorrect social security number. As such I was investigated for fraud and never received my funds and due to staffing shortages I am still in the appeals process two years later because of this report. XXXX actually told me this in a recorded call and gave me their information to call. Upon doing so - again on a recorded line I spoke to someone named XXXX who wouldn't process my request for a consumer report but also screamed at me and called me a " XXXX liar and XXXX never told you to call here '' then hung up. So I called back a few times- each time the same person answered and began playing manipulative games with me. To beat him I called their number from my wife 's phone while I still had him on the line and he somehow was still the same person to pick up while still on a different line with me. 
I have sent multiple requests in writing to receive a copy of my consumer report so that I can correct their information and each time they use a different stall tactic. For instance the first time they sent me a letter stating I had not provided an ID with my request ( there wasn't an option ) and to call them. I did so and then receive a blank piece of paper and a paper with a link and pin. Upon doing so it doesn't work. Meanwhile I have also been declined for checking accounts as well as apartments that have used their service. They have an entire other consumers information mixed with mine and have provided that information to agencies that have in turn reported it to my credit report and after hundreds of hours of trying to get this sorted out they stall me at every turn. My life is completely on hold from any level of actual productive results from my efforts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.
Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXXXXXX XXXX account has been disputed and needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a collection for $ XXXX to the bureaus in XXXX, for a debt in XXXX. Theyre claiming I paid nothing on the debt ( taken out XX/XX/XXXX ) but state the delinquency occurred XX/XX/XXXX three years later. The document does not have a grace period of three years, so that timelines is impossible. I pointed that out ; it was not fixed. I pointed out that the original debtor had 90 days from the date of delinquency to report/sell the debt, and the collector 90 days to report it- it was not fixed. At this point, my problem is with XXXX AND the credit bureaus ( mainly XXXX and Equifax ) because Ive disputed it maybe XXXX, with supporting documents, to no avail. I am entitled to be represented accurately by the bureaus, instead Ive received letters refusing to even look at my disputes- even if I did provide supporting evidence.
Product: Credit reporting or other personal consumer reports

Midland mortgage XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the loan already paid in full XX/XX/XXXX the credit report for my name XXXX XXXX and my brother name still the bank midland mortgage the dont remove the payment for XX/XX/XXXX payment and XXXX payment the put both as in late payment the already removed for my brother XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX the aready remove the credit report mine XXXX XXXX and XXXX XXXX the bank dont remove that we are married we try buy the house for the lender the denied our loan for the bank for midland mortgage the put over credit report late payment and the told us the already removed it the are still in our credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion  and other credit agencies did not delete a debt reported by XXXX XXXX of appx {$2000.00} in XXXX XXXX from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. I personally paid almost {$50000.00} to XXXX but in XXXX legally transferred my interest which had been sold to XXXX, but which ceased to have any value whatsoever. 

Every effort of XXXX  to bill was disputed as was every attempt at collection by XXXX. Neither entity submitted proof that the debt was valid. I also contested with Experion,  and they only verified that the debt was valid. They did so only by reviewing information from XXXX as XXXX no longer exists. The owner of XXXX is apparently in XXXX for XXXX and it is my belief that XXXX is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.
Product: Mortgage

I am out of work and was unable to pay my equity loan payments for more than 6 months in XXXX. My loans went into default and my first lien holder, XXXX, put my home into foreclosure. In XX/XX/XXXX I was able to get a one-time lump sum payment of my pension, one year early and take the necessary funds to pay the arrears and continue to pay, and to reinstate my mortgage. Citibank, is the second lien holder and the Equity line mortgage in question is with them. They chose to put my loan into recovery and I was told that no further interest, late charges or XXXX 's would be issued and that I should pay every month directly to the Recovery department, which I did on XX/XX/XXXX. I paid them {$1000.00}. ( My regular payments were {$520.00} ). I paid it through my checking account bank bill pay ( not with Citi ) and they issued a check and sent it on XX/XX/XXXX. The payee and address indicated on the check is the address and payee that a Citibank employee gave me on XX/XX/XXXX in order to make the payment. On XX/XX/XXXX, I received an email from XXXX that my credit card balance was a credit balance of {$990.00}. the {$1000.00} I had sent to pay my Recovery loan was credited to my Credit Card with Citi. In addition, I am now getting letters from CitiMortgage that my loan is in arrears, that I can now have mortgage assistance. When I called them to tell them that the loan is in recovery, their response is to ignore the letters. Yesterday, XX/XX/XXXX, I received yet another letter stating that my request for mortgage assistance has been received and that I need to supply the necessary income documentation to receive assistance. On XX/XX/XXXX, I sent a fax to the Recovery Dept with all the information including a letter of explanation, a copy of my Credit Card statement showing the {$1000.00} posting and the proof of payment details from my checking account ( not with Citi ) showing the details of the check sent to Citi. As of the date of this complaint, nothing has been done to correct the error. My next payment is due in XX/XX/XXXX and I will have to make the payment by calling Recovery directed and having them debit my checking with another bank by electronic check. The Mortgage Dept continues to send me letters and one Dept apparently is not communicating with the other. I have told Citi Mortgage that if they continue to send me letters stating that will assist me with my mortgage, I will contract a lawyer and force them to comply with that offer. I also notified them that this complaint was forthcoming. I spoke to no less than 4 people at CitiXXXX ID # XXXX, XXXX ID # XXXX XXXX ID # XXXX and XXXX XXXX ID # XXXX. It takes numerous attempts to call them since my loan can not be looked up by loan number and I only had an extension number for XXXX as she is my Mortgage specialist in charge of offering me mortgage assistance. I have had to make no less than 10 calls to try and resolve these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank called said someone tried to open a new account and it wasn't me bank caught it and never opened then gave me info to contact here.
Product: Debt collection

The collection agency bought a debt with my name on it from another company. There is no such debt owed, and my car payments are always paid on time. They have been harassing my work place to the point they had to be blocked. They impersonated their credentials with each call claiming they were a lawyer.The company 's name is National Managment Recovery. The caller that claimed to be a lawyer gave the name XXXX XXXX ( the first few calls and no name given afterwards. the caller claimed they did not have to give any such identifying information ).. 
XXXX They have made threatening comments and were rude to the call taker. They made unecessary threats of garnishments. I have received no paperwork and no calls/voicemails. This is a spam attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 Balance : {$22000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX i paid for a service from XXXX XXXX XXXX. The service i paid for was not rendered after constant communication with the owner who said his name was XXXX XXXX. I found out his real name is XXXX XXXX XXXX and that many customers and having the same issue as myself. I contacted Credit Karma reporting the issue, disputing the charge and expecting an investigation for a charge back. Credit Karma did no such investigation only saying that XXXX  ( the companies payment processor ) did nothing wrong so my dispute was denied.

Under the Fair Credit Billing Act of 1974, all payment card issuers must offer a chargeback process to remedy fraud and abuse. If a customer brings a valid dispute claim to their bank, a chargeback will result.

Credit karma did not ask me for any information to substantiate my claim and they informed me they would not help me further.

I paid for a service and the service was not rendered this is indeed fraud and abuse! CK did not even attempt to contact the merchant that received the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a Lendmark account in my name opened on XX/XX/17 the balance is XXXX
Product: Credit reporting 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. 

US DEPT. OF EDUCATIONXXXX : # XXXX, USDOEXXXX XXXX XXXX XXXX, has violated my rights. 

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 a account furnish a 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 of any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I pid this debt directly to the utilities company and as recent as sunday this collections company is still reporting it to my credit report.
Product: Credit reporting or other personal consumer reports

Inquiry opened on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' EXPERIAN is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' EXPERIAN and XXXX XXXX XXXX XXXX are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agency XXXXXXXX XXXX XXXX XXXX and EXPERIAN do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EXPERIAN, and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' EXPERIAN and XXXX XXXXXXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EXPERIAN and XXXX XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT MINE AND I DID NOT OPEN. THEY HAVE STILL NOT FURNISHED ME WITH PROOF OF IT BELONGING TO ME AND IT WAS THE SAME MONTH 2 OTHER CARDS WERE OPENED. I WAS A VICTUM OF FRAIID AND HAVE HAD AN EXTENDED FRAUD ALERT ON MY FILE FOR YEARS AND THEY WOULD HAVE HAD TO GET WRITTEN APPROVAL FROM ME TO EVEN OPEN AND THEYARE NOT RESPONSIVE AND WONT DELETE IT WHEN IT IS NOT MINE. 


Account NameXXXX XXXX XXXX  XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$11000.00} written off.

Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$5000.00} Highest Balance {$11000.00} TermsNA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Debt collection

On XX/XX/XXXX I received an email stating that I missed a payment from a company that Ive never heard of ( Uplift ) .This company did not tell me what the payment was for or the amount due. I have emailed several reps advising them that I did not create an account with them nor did I owe them anything. Finally, they ended up telling me that the payment is for a trip booked with an airline that I havent flown in years. They still have not provided an itinerary, payment amount, or anything else showing I have an account with them. I requested this information via email to the Director. That was 6 days ago and no reply but Im still getting emails about payments.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.