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

I contacted LexisNexis to have me removed from there system XX/XX/2021, than I contacted the XXXX XXXX XXXX XXXX  to request a letter as to if they report to LexisNexis and requested a credit report from XXXX, XXXX and XXXX to show that LexisNexis is reporting a bankruptcy and indicating the information was provided by the courts, I requested LexisNexis provide me the source of there information and was sent a letter that simple says, " After an investigation of the data in question, LexisNexis verified that the bankruptcy case # is accuraetly reporting on your LexisNexis RiskView report '', they will NOT provide the source as requested
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX {$36000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted trans union about an incorrect item for child support from the state of Louisiana thats on my credit report because O dont have a child support case in Louisiana . I have two in Texas but the left it on my report showing 155 months plus of missed payments. When my payments are deducted from my paycheck weekly by my employer.I contacted them in XXXX of 2021 and I had no results. I contacted XXXX also and they removed the account from my credit report.
Product: Credit card or prepaid card

Comenity BankXXXX XXXX XXXX is always " down '' which prohibits my ability to pay online or via the company 's phone app. When I try to make a phone payment they rarely answer the phone and on the off chance that I do get a live person, I explain to them the technical " glitch '' ( this is a direct quote from their website when you try to log in ), I haven't been able to make a payment. The customer service rep on the other end of the phone shows zero interest in this problem and just wants the money. I believe this is a scam to collect late fees. This specific company also has a term in their " terms and conditions '' that you are approved a " much lower APR '' than what you would normally get but " repeated instances of late or non-payment will result in the APR increasing '', this increase is pushing 30 %!!!! If the company doesn't want me money, that's fine, I shouldn't have to chase down a creditor to pay what I owe them. The flip side to this is that I have voicemails on my phone where the company calls me to collect because, obviously, payments are late and these calls are made at very odd and inconvenient hours, usually between XXXX and XXXX. This problem needs to be corrected or they need to relinquish their accounts to another creditor that can handle the business.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION ON THE ACCOUNT THAT NEVER LATE. 
CRA VIOLATION / NO KNOWLEDGE ON THE INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to XXXX XXXXXXXX XXXX. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXXXXXX XXXX is not reporting accurate information. On my XXXX credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the Rating Key for XXXX. If the data is unknown, this is not XXXX XXXX ACCURATE! That is a violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXXXXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX, XXXX XXXXXXXX must comply to any provisions to make my credit report compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In respone.to complaint # XXXX. I was called mutiple times during work hours requesting information. I replied and was directed to a bank manager and was informed that she was sorry about the issue and was nothing in her power to resolve my issue. I feel cheated and bullied by this bank.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I also saw things on my credit file that wasn't mine. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Debt collection

I received a email from XXXX data breach. I am one of the 147 million customers who identity was stolen in 2017. Ive tried to dispute this debt multiple times.
Product: Checking or savings account

A fraudster went into two different branches, one in XXXX IL and one in XXXX  and withdrew out {$2500.00} from my account and then {$3500.00} from my account at a physical location on XX/XX/XXXX.  I realized the {$6000.00} was taken from my account and filed a claim with Chase on Saturday the XX/XX/XXXX. I understand the 30 days it may take to rectify but provisional credit should be provided and wont be. When speaking to the personal banker in a branch location in XXXX on XX/XX/XXXX, I spoke to XXXX XXXX, he said Provisional credit would be provided within 1-3 days. I called today XX/XX/XXXX and was told no provisional credit will or can be given, even though my claim has been approved but its still under review. How can it be approved without a review? This has caused me a significant financial harm as I have a mortgage, and other bills to pay for along with taking care of my family. Chase does n't care about this situation this put me in as it basically cleaned my account out. This was solely an issue with Chase as they allowed two fraudulent transactions occur at their branch. My wife had her wallet stolen with her ID in it ( no account numbers were in there ) back on XX/XX/XXXX. We called Chase and informed them of the theft, yet no notes were placed of the theft on their teller profile. The fraudsters could n't have had the account number and would have needed to be provided by the teller when the fraudster went into the branch/drive thru. I called today ( XX/XX/XXXX ) and was told by an escalated claim rep- XXXX XXXX  around XXXX XXXX CST ) that provisional credit can not be given in this circumstance and I would have to wait up to the 30 days even though the level of financial harm this has put on me.
Product: Debt collection

Hi good morning my name is XXXX XXXX I already file 2 claims with you guys about a debt that they are charging me for stuff i didnt received but i havent heard back from your guys about the decision that was made pertaining to my complaint and my next court date in coming up on XX/XX/XXXX the last XXXX of my social is XXXX I really hope you guys can split justice so i can rectify things with these people please get back to me so I can know wats the next step if i should get a lawyer or something thank you and have a nice day.
Product: Checking or savings account

I deposited {$2600.00} in cash on XX/XX/year> at a chase ATM at XXXX XXXX XXXX XXXX XXXX, ct XXXX. The receipt only stated to verify this transaction went through please call XXXX The ATM did not give me a valid receipt. Nor did it give me the option to take my cash back. The bank is saying I only deposited {$1800.00}. However, on that day, I know I deposited {$2600.00}. I have disputed this and have been unable to resolve this incident with Chase nor are they willing to audit the ATM machine or review the security cameras.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  and list of Inquiries.

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 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has had an incorrect Reported debt on my credit report for over 7 years which has been deemed unrecoverable unremovable and I have actually paid the debt off And it is still reported on my Credit reported
Product: Mortgage

My prior VA Loan servicer, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, sold my mortgage to Freedom Mortgage in XX/XX/2021. Prior to the sale of my loan, I had made one regular mortgage payment and two additional principal-only payments to XXXX. Freedom Mortgage refuses to update the transaction history to apply the payments I made to my prior servicer to my mortgage account. Additionally, I made a mortgage payment to Freedom Mortgage on XXXX XX/XX/2021 and an additional principal payment to Freedom Mortgage on XXXX XX/XX/2021, which Freedom Mortgage originally applied to my loan balance but since reversed and now refuses to apply to my loan balance. Instead, Freedom Mortgage has reallocated some of my prior principal-only payments to future mortgage payments without my authorization. I have called Freedom Mortgage more than twelve times dating back to XXXX XX/XX/2021, spoken to numerous supervisors and agents, and my loan detail remains incorrect. The last conversation I had with a Freedom Mortgage representative ( XXXX XXXX XXXX on XXXX XXXX 2021 involved Mr. XXXX telling me that I should not worry about the accuracy of the payment history as long as my credit score is not being negatively impacted by all of Freedom Mortgage 's errors relating to my account. I wholeheartedly disagree and know that I should not be paying interest on principal that I paid off dating back to XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted dispute letters to XXXX, XXXX, Equifax and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX .... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

TD Bank Loan Operations, Escrow Management Services Dept personnel are doing discrimination against home owners. 

They sent me a letter asking for proof of insurance which I emailed them the proof on XXXX at email XXXX Todays letter I received is dated XXXX. 

They harassed me last year and I submitted the letter and they kept sending me letters upon letters instead of checking their stupid email. 

They never ever acknowledge their emails and keep sending letters and notices. 

Their tactic is very simple. Force home owners to pay their insurance even when insurance is already paid. Please see attached email proof. 

I even resent the email again today. 

This is clear harassment.
Product: Checking or savings account

I was contacted on XX/XX/2022 by the Citibank fraud department about an unauthorized transaction of {$40000.00} which occurred on XX/XX/2022. ( Citi Fraud case # XXXX ). I confirmed it was in fact an unauthorized transaction. I was informed that an investigation had begun. I filed a police report and confirmed with my bank that the compromised account was blocked as a precaution. I promptly handled my compromised account on XX/XX/2022 at my local branch. I was instructed to submit a notarized affidavit stating that I wasnt aware of and did not initiate any of the transactions either internal or the external wire, which, with the help of my local branch manager, I submitted on XX/XX/2022 ( affidavit attached ). I have also filed a police report, a copy of which is attached to this email. 

Today, XX/XX/2022, is the 14th business day since I was informed of the fraud and that an investigation was underway.

Per Reg E -11, the 10 day investigation period has expired.

Per Reg E- 11, " The institution shall report the results to the consumer within three business days after completing its investigation. '' Today is the fourth business day following the 10 day investigation period. 

I have requested the bank to provide me the results of the investigation by the end of business yesterday. - NOT RECEIVED I have also requested the bank as provided by Reg E- 11, along with the written explanation of Citibank 's findings, to please provide all documents that Citibank relied on in making its determination. - NOT RECEIVED Please return the {$40000.00} to my account by the end of business yesterday. - NOT RECEIVED If the investigation has not finished and Citibank has met the requirements to extend to the allowed 45-day investigation period, my account should be provisionally credited by close of business today, as provided by Reg E-11. I understand that Citibank may withhold a maximum of {$50.00} from the amount credited. NOT RECEIVED Not only has Citibank done any of the above, they have not responded to any of my emails with any substantive information. 

I have written to the CEO as well but nothing has come out of that interaction yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX BANK : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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: Credit card or prepaid card

On XX/XX/XXXX, received a call through a local Louisiana Telephone Number out of XXXX, La at XXXX from a Company Asset Recovery Solutions , LLC agent Name XXXX. Upon follow-up call this day XX/XX/XXXX, it was verified that he was calling from the State of Illinois through a local VOIP Communications Server out of Louisiana. The Company / Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a current balance of {$9500.00}, being collected through collection agency Asset Recovery Solutions , LLC. A letter was received in mail on XX/XX/XXXX from Asset Recovery Solutions , LLC Telephone Number XXXX Ext XXXX, with an offer to pay {$390.00} monthly beginning on XX/XX/XXXX on referenced account. I never received a letter set forth prior to this with regards to account from said collection agency. We don't think he owes debt and letter does not state how to proceed if we don't think debt is valid. Requested XXXX  to forward debt verification in writing, including copy of initial contract signed for credit card and any other documents on file. Stated it would take a couple of days and just trying to find a loophole for collection. Check with Attorney Genetals Office for State of Louisiana  on how to collect and validate a debt, especially a revolving credit card - open account. Can't demand a payment until proof is provided and signature authenticated.
Product: Money transfer, virtual currency, or money service

Hello. I became a victim to a multilayer scam operation orchestrated by XXXX XXXX with the design, development, manufacturing, promoting, marketing, distributing, labeling, and or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gain. Amines was transferred from my Chase Bank account around {$22000.00} USD utilizing your service about the month of XXXX 2022. I attempted to recover the funds on my on by seeking the service from XXXX XXXX XXXX in XX/XX/2022. Unfortunately I fell victim again by hiring and paying over {$9000.00} for recovery that was falsified through XXXX XXXX from a fake account. I have been scammed by what I thought was both legitimate businesses. I am a business lady trying to earn a honest living. This has really affected my mental and physical wellbeing. I feel that if my bank for over 30 plus years would have i intervened. I would not be in this situation. This is why Im requesting from Chase Bank the return of my investment funds. I seriously cant afford to lose such a large amount of money. 

Thank you, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX my XXXX, Dr. XXXX, assigned me to monthly XXXX  sessions with a licenced certified XXXX, XXXX XXXX, at the University of XXXX  XXXX XXXX XXXX. I was insured by XXXX XXXX XXXX XXXX Insurance Company. 
In XX/XX/XXXX I became eligible for Medicare. I chose XXXX XXXX XXXX XXXX for my Medicare supplemental insurance. 
In XX/XX/XXXX, unbeknown to me, Medicare refused to cover my XXXX sessions because, I later found, Ms. XXXX did not have an XXXX. or XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX did not inform of this. In addition, XXXX XXXX XXXX XXXX supplemental insurance had refused to pay 20 % of my coverage because, they claimed, Medicare would not pay the 80 %. I was not informed of this either. 
Nor did XXXX XXXX XXXX XXXX XXXX inform me that, as of XX/XX/XXXX, the price of XXXX visits with Ms. XXXX increased from {$220.00} per visit to {$350.00}, a 65 % increase. 
When I finally understood what happened, I requested that XXXX XXXX XXXX XXXX XXXX assign to me a XXXX XXXX who was qualified under Medicare. By this time my bill was {$2700.00}. XXXX XXXX claimed that their organization did not have the capacity to inform Medicare patients about the necessary requirements under Medicare for service reimbursement. Nor did they notify me of the 65 % price increase, knowledge that would have helped me make an informed choice for an alternative, less costly service provider and avoid debt. 
I also pointed out to them inconsistencies in the attached billing record. For example, from XX/XX/XXXX to XX/XX/XXXX a XXXX  visit cost {$340.00}. In contrast, from XX/XX/XXXX to XX/XX/XXXX a XXXX visit cost {$220.00}. Then a reversal. On XX/XX/XXXX a XXXX visit cost {$340.00} and on XX/XX/XXXX it cost {$350.00}. The billing department could not explain this, nor did they assume any responsibility for it. 
Last, I am under qualified for partial financial assistance through the XXXX XXXX XXXX because I own my own home. I found that one nearly needs to be a pauper for financial assistance. They denied any responsibility for the untoward chain of events and flatly refused to negotiate an equitable resolution. 
On XX/XX/XXXX, my medical bill was referred to XXXX XXXX XXXX XXXX in XXXX, WI. I contacted and explained everything to them, but they too refused to fairly negotiate a resolution or allow any monthly payment plan. I was told that the entire amount was due in a lump sum. It was suggested that I should take out a second mortgage on my home to pay this debt. I was told that if I did not comply with their terms, the entire bill would go on my credit record and they would continue to seek reimbursement. 
My credit record has been above average for many years, and, at my age, it means everything to me. I hope to replace my thirty-year ARM to a fixed mortgage loan in the future but will not be able to do so under this burden. 
Can you please help me?