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

I am a victim of identity theft, and LexisNexis has repeatedly ignored my legitimate concerns despite my ongoing efforts to resolve them. Your refusal to address these issues is not only negligent but also a blatant violation of my rights under federal law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I have the right to request and receive a copy of my consumer file from you, including my CLUE report. Your repeated failure to provide this information, instead sending me a code to a non-functional website, constitutes a clear violation of this statute. 

Additionally, your provision of inaccurate records to insurance companies is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in the information they report. By failing to investigate my disputes properly, you are also violating 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed information. 

Your actions have caused significant harm, including preventing me from obtaining auto insurance and leaving me with unresolved inaccuracies on my record. If LexisNexis does not immediately provide me with a full copy of all reports in your possession and fails to conduct a proper investigation into my disputes, I will take legal action against you. 

This will include filing a lawsuit for your violations of the FCRA and any additional applicable laws. You are on notice. Resolve this matter immediately, or I will move forward with legal proceedings to hold LexisNexis fully accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It hasbeen more than XXXX days since I originally wrote them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter to credit bureaus asking them to remove items it belong to Ex husbandI didnt get a response back from Experian or XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX credit card and credit card account : XXXX issued by XXXX Bank thats currently listed on my XXXX and Equifax credit report is lost/stolen. My XXXX XXXX credit card and credit card account is lost/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX regarding my membership ID # XXXX and ticket # XXXX. It stated information on my XXXX credit report has been mixed with that of someone else. I would like you to make sure you have correct information on my credit reports and the identify information e.g. addresses, other identification information, and credit accounts belong to me. I provide documentation to verify identity. 

Also, I was apart of two XXXX data breaches. I have been a victim of identity theft for years and have been disputing errors on my credit report for years. My XXXX settlement should have been more than the {$43.00} that was wired to me on XX/XX/23. I believe my file was mixed up so someone else could get my true settlement money. 

15 U.S.C. 1681-1681x - make sure all information is correct as I am a victim of identity theft and have been trying to defend against dangerous individuals, scammers for years.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2023, XXXX XXXX PT Entity : Citibank , N. A. 
Issue : Domestic Wire Transfer Cancellation | Refusal to Assist w/same Amount : {$1500.00} USD I attempted a wire transfer from my Citibank account to a family member 's XXXX XXXX  XXXX account . For reasons unknown to me, I was required to call in for authorization. I did so, and the agent confirmed the {$1500.00} USD transfer was initiated, and it showed processing in the Citibank system. 

However, minutes after hanging up the transfer showed as " unable to process '' with no explanation. I called in again, and Citibank was unable to give me any reason or rationale. Furthermore, they insisted I call in later to ascertain what went wrong with the last transfer as the " system was down '' and additionally noted I would need to initiate a separate transfer, requiring yet another call. Ultimately, the agent hung up on me. 

My bank account ostensibly includes 'free ' wire transfers. However, this is wildly misleading when the true cost includes three separate calls and multiple attempts to -potentially- process a transfer. This is unacceptably sub-standard customer service. 

Thank you,
Product: Credit card or prepaid card

In late XXXX, I opened a XXXX XXXX XXXX Mastercard with Barclays. At the time, the advertised bonus off was XXXX bonus miles if I completed {$3000.00} worth of purchases and paid the annual fee within 90 days. I did this and Barclays has repeatedly acknowledged as much. To date, I have received only XXXX bonus miles. This appears to have been an error or some sort of system glitch. The same thing has happened to my wife who has also been unable to get the matter resolved. 

We opened our accounts months ago to obtain enough miles to pay for international flights at the end of XXXX. The flights are quickly becoming increasingly expensive and we need this resolved ASAP. 

I have been repeatedly contacting Barclays to obtain resolution. I was initially told it would be resolved within 30 days, which was XX/XX/XXXX. Resolution had not occurred and so my wife and I called in and spoke with a XXXX. The XXXX said he would personally call me around XX/XX/XXXX, to follow up on whether there had been resolution and that if I hadn't heard from him or gotten resolution to call in. I did so, spoke to another XXXX and was told it would be resolved within a few days. Another week went by without any resolution so I called back in on XX/XX/XXXX. To date, I have not received my additional XXXX points and my wife has not received hers on her separate account either. At this point, I have no choice but to conclude I am being stonewalled by Barclays in the hopes I will get tired of trying to fix the issue so that they do not have to give the points they promised.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and DELETED : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX today because after over 2 years, they have not answered my request to update my legal name in their records. They would not transfer me to an agent. In 2022 I sent every item of proof they requested to the appropriate address, and they never answered. They claim they responded to my previous CFPB complaint, but they only acknowledged its receipt and took no action.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I do not owe any money - theya re form XXXX or XXXX - the calls come from XXXX - all times of day - leave messages - rude
Product: Money transfer, virtual currency, or money service

I am concerned about Zelle handling disputes and the lawsuit concerning your platform! I am a very frequent user with Zelle
Product: Debt collection

The person i spoke to on the phone was a female, and i told her i had never used there services and never herd of them until i received a collection notice from them. i asked the amount that i supposedly owed, she stated {$740.00} dollars, and i said for WHAT, what was this service for, she would not tell me, i asked her the address it was billed to and where, what State, house, apartment, and the address, she said she could not give out that information, and again i told her i had NEVER used there services and never herd of them, she just told me that i owed them {$740.00} dollars. this was back in XX/XX/2018, I also told the credit Bureau to be aware of them, they were trying to rip me off for XXXX that i didn't owe, and it went on my credit report anyway. I have lived in hawaii for 28yrs. that's the only address i will be billed to. XXXX.
Product: Debt collection

A guy named XXXX XXXX called my employer saying that he was with United Check Recovery Bureau. He left a voicemail for them telling them that my name & social security number had been flagged & that he needed employment verification in order to finish his legal proceedings over a debt that I owe ( in which I did n't owe ). When I called him, he was rude, called me names & even said that no matter what I say that he would call everyone at my job & everyone in my family to get the money owed to his company. He stated that no laws applied to him & that he was going to continue to call me every day. When I told him that he broke by the law by disclosing my personal information to someone at my job, he laughed & said that he would do it again & again until I stopped being a fraud & pay my debt. He has called my family & he had names of people that I work with in which I never gave to anyone. I think this is a scam because I told him to send me something in writing stating that I owed them and he said that he already had & that he refused to do it again. I have never received anything from these people. I am so upset & I am retaining a lawyer.
Product: Credit reporting or other personal consumer reports

Credit bureau reporting inaccurate information to my credit report
Product: Credit card

I paid twice for the same rental car, once through XXXX with a discounted rate due to prepayment, and again to XXXX XXXX XXXX which they refuse to refund. USAA denied my dispute. 

XX/XX/2023 : I booked a car rental fully prepaid in the amount of {$510.00} using my USAA XXXX with XXXX ( Booking number XXXX ) for a car rental ( XXXX XXXX ) from XXXX XXXX XXXX to be picked up at XXXX XXXX XXXX  on XX/XX/2023 and returned on XX/XX/2023. Again, fully prepaid with {$0.00} due on arrival. 

XX/XX/2023 : Location XXXX XXXX Airport XXXX XXXX XXXX. I showed the XXXX representative the confirmation, and my USAA XXXX card was charged {$560.00}. I was assured in person and via phone by XXXX XXXX XXXX that the amount would be refunded when the car was returned because I had already prepaid for the rental through XXXX. 

XX/XX/2023 : The car was returned as scheduled, but XXXX XXXX XXXX refused to refund the {$560.00} even though all necessary documentation was offered to the representative. 

Through USAA I started Dispute Claim number XXXX, which was denied.
Product: Mortgage

Been having issues with Bayview Loan Servicing , LLC ( Loan Number XXXX ) since they or the mortgage company they represent purchased my mortgage from XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX. Many charges have been applied/charged to my escrow from the beginning, the most disturbing charge was the increase of my mortgage on XXXX XXXX, from {$1200.00} - {$1600.00}, an increase of {$380.00} due to their Annual Escrow Account Estimation for XX/XX/XXXX, which included the full amount of taxes that would be due for XX/XX/XXXX. However, I 'm in a Tax Relief Program because I 'm a XXXX and my current income, and only required to pay {$38.00} annually for my property taxes. 
I have provided tax relief documents to Bayview for XX/XX/XXXX and XX/XX/XXXX but they continue to show I 'm in the rear with my mortgage. They continue to send loan modification documents which I have not requested. 
I want my statements to reflect my correct mortgage payment which is now {$1400.00} due to this year 's increase of 1 % from 3-4 %. Any associated fees charged due to a loan modification request credit back to my escrow account. 
One of the documents state that I had requested a loan modification, I have never requested a loan modification through Bayview. I had received a loan modification through XXXX initial payment started XXXX XXXX, XXXX.
Product: Checking or savings account

On XXXX I placed an order with XXXX. For this order I specified no tomatoes and no salad, and this is my standard order due to the fact that I XXXX XXXX XXXX XXXX. I'm not necessarily allergic, but XXXX XXXX XXXX XXXX XXXX  ( this only applies to fresh tomatoes ). When my order was delivered, I discovered that it did include tomatoes and salad, and the receipt clearly states to exclude them. I immediately contacted XXXX and advised that my food was no prepared to my specifications and that I would not be able to eat my meals. Their response was to offer me {$10.00} in compensation for a {$58.00} order. I advised that I would be disputing with my bank, but I have not been able to resolve this issue with my bank. After Chime " investigated '' this 2 times they concluded that no error had occurred even though I submitted photos of my receipt specifying no tomatoes, as well as pictures of the tomatoes I picked off and tomatoes on the actual food. It is unfair to me as a consumer that I have to pay for a meal that I was not able to enjoy. I have made further complaints against XXXX in order to resolve this matter and I as submitting this complaint against Chime because I do not believe they use thorough investigative procedures, if they actually investigate at all.
Product: Money transfers

I have complained of false online transfer numerous times money missing from my account and after 3 plus more weeks they have done nothing
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX the amount of {$920.00} has been reporting as **charged off I never received a 1099c form from this creditor The company is AVANT LLC/WEB BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX After viewing my XXXX  credit report I noticed that there are several duplicate accounts listed on my credit reporting and a few accounts reflect incorrect dates on loan origination, loan term & payments. 

I have 4 to 5 duplicate accounts listed on my XXXX credit report starting with page 8 Account # XXXX {$470.00} page 10 Account # XXXX ... XXXX {$3800.00} Page 12 Account # XXXX .... {$3800.00} Page 12 Account # XXXX {$470.00} Page 12 Account # XXXX {$3500.00} Page 13 Account # XXXX ... {$3500.00} Page 14 Account # XXXX ... {$3500.00} Page 14 Account # XXXX .... {$3500.00} There are several errors listed as well with the TERMS of the loan, loan origination dates & payments. I can list them all its so many. I would like to start my dispute with the duplicate accounts listed thatll give me time to write all of the errors. 

Under the provisions of the 1977 Fair Credit Report act I hereby request that the reporting agencies prove to me in writing the accuracy of the reporting this account. Under the terms off the act & succeeding court cases they have 30 days to improve the accuracy or they must remove the account from my credit report. 

Please feel free to call me with any questions you may have at the above number. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 without my written instructions
Product: Credit card

I made one {$150.00} payment to JP Morgan Chase on XX/XX/year>. That amount was properly withdrawn from my checking account. On XX/XX/year>, a second, unauthorized payment attempt was made from my account. I was subsequently charged a {$29.00} overdraft fee by my bank, XXXX XXXX XXXX XXXX. I called XXXX on XX/XX/year> : the XXXX representative informed me that this was occurring with many members who had Chase accounts, saying it was a glitch in the Chase system due to XXXX, and promptly refunded me the {$29.00} overdraft fee. The unauthorized charge for {$150.00} was not withdrawn. On XX/XX/year>, an unauthorized payment of {$150.00} was made to Chase. I called Chase to complain and was told by XXXX, Supervisor of Payments, that they had nothing to do with this charge and that it was a problem with my bank. I called XXXX to investigate the matter. XXXX, a Membership Services Representative, stated that a payment was attempted on XX/XX/year>, and that this was a retry after the payment failed. I informed XXXX, as I did the previous XXXX employee, that I never made a second payment to Chase. XXXX stated that it was not an XXXX issue. I expected to have that {$150.00} in my bank account this week, and did not expect to give it to Chase. I am vacationing with my family this weekend and an extra {$150.00} that I thought Id have would be nice. I want my {$150.00} back. I never miss a payment and have diligently paid Chase. I was not late and did not owe them any money for XXXX beyond what I paid them. In fact, the minimum payment was {$53.00}. I should not have to pay them when I do not want to pay them. Chase does not have taxing authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed. 
XXXX Potentially negative Date openedXX/XX/XXXX Balance {$350.00} StatusCollection account. {$350.00} past due as of XX/XX/XXXX. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX
Product: Checking or savings account

In XX/XX/XXXX, I opened a Citi checking account with {$15000.00}, within that time, the bank sent me a promotional offer with a higher yield than my bank was offered ; I then opened a savings account for {$21000.00} which I funded as a transfer from my bank to Citibank. In XXXX, I transferred another {$5000.00} to the savings account using a transfer again and another {$15000.00} to my checking account. When I couldnt access my accounts, I contacted the bank in XXXX and XX/XX/XXXX, each time I was given the runaround and was transferred to the fraud department which informed me that the bank had closed my accounts and that I will get a refund through the mail in about 30 days. When I asked why my account was closed and why there was no correspondence from the bank, the representative told me he did not know why and hung up on me. 
Not only did Citibank held my money without explanation, the removed all access online and though their app. I am left without my funds and with no information regarding my accounts. 
On XX/XX/XXXX, I received a check from Citibank on this amount of {$1400.00} with an explanation that read, this is the remaining amount of your account XXXX in reference to my savings account which the balance exceeded over {$60000.00}. I have never removed a cent from both accounts since I opened them. I will call the local news channels in my area to help me if I do not hear from Citibank by XX/XX/XXXX because I am out of money and dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know if i got hacked or what, I pay off my personal loan back in XX/XX/XXXX, I never asked for another personal loan and why was i being charged XXXX? and it say personal loan on my account, i'm not sure what going on or who did this too me!