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

We traded a XXXX leased XXXX XXXX XXXX in XX/XX/XXXX for another lease ( XXXX XXXX XXXX XXXX ). The payments were rolled into the new lease. XXXX XXXX ( XXXX XXXX, MI ) never submitted the lease term payoff on the XXXX lease. I have asked for proof of payment, and XXXX has not been able to provide. The vehicle balance is showing as vol repossession with XXXX XXXX Account XXXX team of approx XXXX XXXXXXXX {$280.00}. This has impacted myself and my cobuyer credit reports. I have attempted to resolve with dealership and keep getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letter to Lexis Nexis XX/XX/2021 by certified mail regarding the alleged bankruptcy listed on my Lexis Nexis report. Lexis Nexis never responded to my letter but I know they received it because on XX/XX/XXXX and XXXX. Lexis Nexis completely ignored me. I also wrote a letter to the court and they sent me a letter stating that they do no give information to credit reporting agencies. So how is is possible for Lexis Nexis to fully verify the bankruptcy they are reporting if the court did not give them the information? There is no way they have verified this alleged bankruptcy but they are violating my rights by reporting this inaccurate information and providing it to other credit reporting agencies. I have attached the letter I received from the court, the letter I sent to Lexis Nexis and the certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING THAT THEY HAVE AN ACCOUNT THAT BELONGS TO THEM.I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX.XXXX HAS THAT I OWE THEM FOR AN HOSPITAL BILL, I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX  & XXXX  credit beureas on these matters. I need to get these ACCOUNTS REMOVED from my credit reports.thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED OUT OF THE BLUE MY SECURED LOAN ACCOUNT WITH XXXX XXXX XXXX XXXX IS SHOWING OPEN AND 30 DAYS LATE WHEN IT WAS NEVER LATE AND IT IS CLOSED. IT WAS A 12 MONTH TERM SECURE LOAN THAT WAS OPENED ON XXXX. I WAS NEVER LATE AND THIS ACCOUNT SHOULD HAVE A XXXX BALANCE AND PAID AS AGREE. THE ACCOUNT NUMBER IS XXXX. WAS UPDATED XXXX XXXX ACCORDING TO THIS. ALSO THERE IS ALOT OF VARIATIONS TO MY NAME WHICH I WOULD LIKE REMOVED. I JUST WANT MY NAME AS IT APPEARS ON MY IDENITIFICATION. ALSO I NOTICED THAT THE OTHER DISPUTE THAT HAS THE LINK TO MY EMAIL IS DIFFERENT THAN THE ONLINE EXPERIAN.COM ONE. I CAN NOT ACCESS MY REPORT ON XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I visited the 'XXXX XXXX XXXX ' at XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX send XXXX USD to my cousin, XXXX XXXX XXXX as a gift. Tracking # ( XXXX  ) : XXXX XXXX XXXX. When my cousin did not immediately receive the money, I called Western Union. They informed me that the money would be available within 3 business days. On the third business day, I called Western Union and canceled the transaction because it was not in my cousin 's account. On the XXXX, I called Western Union regarding a lack of a pending refund in my account, and the representative informed me that it could take 7 business days. On the 9th business day, I called Western Union and the representative indicated that she would re-escalate the refund to the investigation team. I asked the representative what investigation was required as the money was never debited to my cousin and that Western Union is holding the money. The representative agreed, but indicated that she could not do anything. Today marks the 10th business day and I have yet to receive my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX XXXX Acct XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a 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 I sent a dispute for accounts that were included in my divorce as well as copies of my divorce decree. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I asked for more information about the investigation process and what steps they took to confirm I was responsible for these accounts. I was just sent another letter saying the invest
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Product: Consumer Loan

The last payment on my note was due on XXXX/XXXX/15. On XXXX/XXXX/15 I received an email from Nissan Motor Acceptance Corporation ( identical to the emails I have received every month prior ) stating that my payment would be due on XXXX/XXXX/15. This email stated : " If you are currently enrolled in XXXX of our automatic payment programs, your payment will be automatically deducted. '' I have been enrolled in the automatic payment program for some time ( possibly since the inception of the loan ) so I naturally assumed that my last payment would be automatically deducted. Today I received an email from NMAC stating that I have an overdue balance. I called NMAC and explained the situation to a customer service representative. I was told that the last payment can not be automatically deducted and must be paid directly. I told the representative that I had not received any correspondence informing me of this policy and that I had, in fact, received a statement saying that my payment would be automatically deducted. I was told that this information is " usually submitted via the email information we have on file. '' I responded that I had not received any correspondence from them and, therefore, would like the interest to be deducted from my account. I was told that my balance was " not negotiable. '' I then asked to speak to a supervisor. After being put on hold for several minutes I was told that a supervisor had been found and that my call was being transferred. At that point I was put on hold again and, after a lengthy wait, my call went through to a mailbox ( extension XXXX ). Instead of leaving a message I chose to call the extension again. At that point my call continued for several minutes unanswered before it was disconnected.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be ine ccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agenc Prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, 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 - ( promptly delete that item of information from the ifle of the consumer or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove and delete the following items from my credit report, immediately Accounts : XXXX XXXX XXXXXXXX XXXX XXXX ( which are on the banned Debt XXXX list from the federal trade commisions ) XXXX XXXX XXXX XXXX ( which are on the banned Debt Collectors list from the federal trade commisions ) 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
Product: Consumer Loan

Why, if you are reporting the account as paid timely in XXXX XXXX to XXXX XXXX, are you then reporting the account to XXXX and XXXX as paid 30 days late in that same month of XXXX XXXX. Obviously both statements can be true so why are you confirming to the credit bureaus that you have investigated this account and both of those statements are true? 
Additionally, you are reporting the account to XXXX XXXX as late for the months of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX and XXXX you have reported these months as paid on time. 
Additionally you have reported to XXXX XXXX that the account was paid on time in XXXX of XXXX then the next month in XXXX XXXX it shows as 60 days past due. You claim to have " investigated '' and found this to be accurate. If you can explain this accounting of timely in XXXX then 60 Days late the next month in XXXX, I would love to hear that explanation. 
Finally, your correspondence of XXXX XXXX, XXXX indicates that the account was late 3 times 30 days or more. If this is accurate, why did you subsequently verify to the credit bureaus the 60 day late payments in XXXX and XXXX of XXXX? 
I am asking for them to remove all negative late payments because they failed to perform a substantive investigation, in fact any type of investigation would have uncovered these discrepancies. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the 3 major credit reporting agencies about these very issues at hand. 
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts must be removed immediately : 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 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, farther states that a consumer reporting agency can not furnish a account without my written consent / instructions. 

15 USC 1681c ( a ) ( 5 ) Section States, 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. 

Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. 

I'm demanding that the accounts above be removed and deleted immediately.
Product: Payday loan, title loan, or personal loan

exchange finance company XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX XXXX I have a personal loan with this company and I have advised XXXX 2 times not to contact me at work and the human resources department has advised them as well the calls continue to come and could cost me my job.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that Transunion is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$20000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, XXXX XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/2017 Amount : {$5600.00}
Product: Debt collection

I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered this account that do not belong to me. Therefore, I request the removal of this account from my credit report. I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 

ASSOC CREDIT SERVICES ( Original Creditor : XXXX XXXX ) XXXX.
Product: Checking or savings account

Since this company Bb & t merged with suntrust they have been hitting me with XXXX dollar overdraft at every single chance they get. I was laid off from my job on XX/XX/XXXX and I am now XXXX. This company obviously does not care about their customers one but. I deposited a XXXX dollar check last week on the XXXX and they put a 10 day hold on my check. They are now charging me nsf fees for reoccurring payments and their XXXX dollar monthly service fee. This company basically makes up their own rules. Their fraud department actually said it was at the local bank manager XXXX XXXX discretion to release my funds and when I begged her to do so she was extremely nasty about it. She said I will not release the funds because in the last XXXX years you have XXXX nsf fees. Most of these fees were caused by their merger that completely screwed up my accounts and there were times I had no access to the app or money through my atm card. This company caused so many issues to my account when they merged and then I paid the price. I was laid off last XXXX in XXXX because of COVID and now this past XXXX due to the mortgage industry rise in rates and extreme volatility in industry as well as my becoming XXXX after being hit by a car while walking my dog. I feel I have been treated extremely unfair and I do not think this company should be able to be unavailable in anyway for days and days and because of their merger charge me excessive fees than because of these excessive fees prevent my having access to a XXXX dollar check that I was desperately in need of. Since COVID I have had to live in a hotel and then I lost my job twice this company should have some compassion for these unforeseen and uncontrollable issues I have experienced!
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on LoqBox account # XXXX According to the Fair Credit Reporting Act 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 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. 

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Product: Checking or savings account

I Contacted the bank a few months back about a debit transaction for an unauthorized amount over XXXX for a Jewelry Store. I don't even wear jewelry!!!! The name of the Merchant was XXXX XXXX or something of that sort. I asked that the bank investigate this and return my funs. The bank once again after all the negative press this bank gets for fraud and scams did not resolve the issue. Basically Told me I was the one who authorized this and I did not. I asked what were the determining factors and the rep started to stutter and of course made up a lie that they would send the details of the decision in the mail. At this point I want my money back from this joke of a bank. Ive been a customer since XX/XX/2009 and have over XXXX sitting in that account plus more at another institution. Im going to blast this bank all over the net and make sure people know not to do business with them and that their money is not safe here. The bank closed and reissued the card for fraud. But won't charge back my funds, this is crazy.
Product: Vehicle loan or lease

I am filing a complaint against Exeter Finance as they are reporting an account on my consumer credit report as a charge off which is considered income. They are not allowed to report income on my consumer report and they have also not provided me with the title to my vehicle although this is being reported this way.
Product: Vehicle loan or lease

I got a loan from a company cnac buying car from jd byrider i traded my car towards down payment i signed my contract as time went on into the second month of my loan i originally got the vehicle in XXXX the company accidentally reported to credit bureaus i missed XXXX payments i call them they call correct it however my credit dropped XXXX pts n never got points back then i. XXXX i was having hard time paying cause they would call before my due date i paid every two weeks they had me come in and sign new contract however little did i notice on my new contract they didn't list my trade in or payments i made from XXXX to XXXX they then came n repossessed my vehicle for being two weeks late while i was at work then i notice never reported my on time payments n that i opened my loan on XXXX when i opened it in XXXX i have copies of my first contract and proof of all this please help
Product: Credit card or prepaid card

I have an account with Pay Pal. They have frozen me from viewing my account due to a disputed charge.They have refused to resolve the dispute and have informed that I would have to pay to get access. 

I have made multiple attempts to do as they ask and they are not responding. I have messaged customer service and called multiple times and have been placed on hold for hours and disconnected. 

They are also not sending me statements and are continuing to draft payments from my bank account. I have no idea if payments are being posted, how they are being posted or what activity is going on on my account. I had promotional interest free purchases that I have not been allowed to review and pay there by incurring interest. 

I believe it is unfair that I am not allowed to view my account or receive statements
Product: Debt collection

I requested Validation of Debt. Disputed inaccurate information on my credit reports through credit agencies. I was sent a credit card statement from an address that doesnt belong to me, in which an account was opened under my name. Showing card usage doesnt account for me opening this account. Debt validation is showing a wet signature, identification linking the account to me in which they havent done. Also this account is reporting open on my credit reports. How is it open if in collections. Therefore any inaccurate information by law under 15 US Code 1692 ( g ) & 15 US 1692 ( c ) under the consumer law is to be removed if misleading and inaccurate.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Leap Credit withdrew two XXXX payments from my account. Now I havent heard from this company in over a year. The last email they sent me about this account was XX/XX/XXXX. We are currently in a pandemic and they knew people were getting stimulus checks so they went in and just grabbed money not knowing that Im not working because I live in the state of NY so Im furloughed. Its crazy that they have not received a call or letter from them in a year and all of sudden I see two charges on my account. Dont they have a time frame they have to stop withdrawing from someones account and dont they have correspond with you that they are pulling money from your account? Because they didnt send any type of notice to me.
Product: Debt collection

I had notified Synchrony bank that all payments from the shopping networks QVC and HSN were paid from my debit cards on file which is automatically deducted monthly. Copies from HSN and QVC payment statements were sent to the bank showing that there was no remaining balance. Synchrony bank refused to accept the statements. The bank was notified by me as of XXXX XXXX after receiving a letter from them. They are claiming I owe over {$1000.00}.
Product: Checking or savings account

Ok. There is still only XXXX. In bank. I filed 10 fraud claims and fraud dept. Isn't doing THIER JOB!! 
THERE SHOULD BE XXXX. AND ONLY XXXX. IN SAVINGS. 
THE COURT SYSTEM HERE IS COMPLICATED PROCESS. AND I AM GETTING NO HELP!! 

XXXX ARE DENIGHING ME XXXX AND XXXX HAS MY ACCOUNT ON XXXX  HOLD SO I CANT PURCHASE TABLE FOR XXXX!! 

MY FRIEND XXXX MIGHT BE COMING FROM PA TO HELP ME AND DO XXXX! For my XXXX XXXX. 

SO LIFE EVOLVES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These debt collectors are attempting to fraudulently collect a debt, through deceptive practices and misrepresentation. In accordance with the Fair Credit Reporting Act XXXX USC XXXX XXXX ( 5 ) ( a ) & XXXX USC XXXX ( g ) & ( c ). Information that is inaccurate or incomplete must be deleted .The accounts listed below are violating my rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act and many more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had a mortgage loan with JPMorgan Chase since 2008. Over the past two years, " XXXX XXXX XXXX Chase '' has sent me monthly XXXX packages with offers to refinance my loan. Over the past year, I called Chase twice and emailed Chase once to ask them to stop sending me offers. During my last call, they said they would stop. However, I continue to receive monthly UPS packages. Their lack of response has completely turned me off to Chase and led me to report this behavior to you.
Product: Checking or savings account

XXXX XXXX  /Albert Bank . This bank is not processing my refund from XXXX who has confirmed that XXXX XXXX /Albert has received my funds XXXX business days ago. Also they are holding multiple small authorized holds for use of a water vending machine from 10 days ago and 5 days ago. Those transactions posted the same day they were made. XXXX XXXX / Albert is hiding behind the maximum time transactions are to be held in order to hold onto deposits. This is an unsavory practice and the vast majority of banks no longer do this as it is a predatory practice. I expect the XXXX {$2.00} authorizations to be released immediately and the {$59.00} from XXXX to be returned immediately.