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

LexisNexus is advertising as a consumer credit reporting agency, selling & sharing personal information that has not been authorized, is unsubstantiated, inaccurate personal information, which adversely affects the ability to work , drive and is personally causing monetary damages as a result of the inaccurate data theyre collecting from insurers who are obviously submitting inaccurate information ; which affects insurance score & is a complete conflict of interest and unethical. 

What is the insurance credit scoring method, who authored XXXX insurers, who report inaccurate information for their profits ), how long does it effect a consumers credit score, how can a consumer improve an insurance credit score? 

Inaccurate information reported by insurance companies is acknowledged by insurers to an insured then insurers refuse to tell you what data information collected and incorrectly reported is LexisNexus ( possibly other data collectors-not disclosured to consumer ) refuse to correct the inaccurate information that insurers have knowingly, incorrectly reported/shared unauthorized, unsubstantiated information. Insurers will not provide the proofs necessary to correct the inaccurate information/LexisNexus credit report. I reiterate complete conflict of interest for the consumer, completely GROSS profit to insurers with literal net losses for consumers. I am NOT a customer or Consumer of LexisNexus, they request personal information to be shared by you to correct, incorrect information provided by XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted the required information to the three major credit bureaus to have my information that was a result of identity theft to be removed and or blocked within the four days required by FCRA 605B and they have not done so. XXXX XXXX and Experian have failed to remove the fraudulent accounts and inquires as required by the statue.
Product: Checking or savings account

According to our bank someone accessed our accounts using First Citizens Bank online banking system and stole {$130.00}, XXXX XXXX. The bank claims that they are not responsible for replacing these funds because the person who stole the funds used our username and password. The bank never confirmed which username or password was used. The bank 's fraud department handled the calls incorrectly and FCB agrees that the fraud calls were not handled correctly. The bank agrees that we the customer have never made any ACH transactions using their online system. The bank knows that we do not make these transactions, the amount of money sent or to those types of vendors. The bank employee confirmed that the services provided by the bank were not set up correctly ( these services were set up by FCB employees ). The bank fails to prompt their customers to do 2 step authentication or change their passwords. FCB assumes no responsibility for waiting over 24 hours to reverse the transactions fraudulently made. First Citizens Bank does not care about their customers or safe guard their customers money. They only said to file a police report and report it to the FBI. Their processes and procedures for fraudulent activity are non existent.
Product: Credit reporting or other personal consumer reports

I sent a letter to the three credit bureaus ( Experian, XXXX, XXXX ) disputing negative items found on my credit reports dated XX/XX/XXXX. I am currently awaiting an update from them within the XXXX period. However, given that it will take time, I am following up on this matter here. Below is the list of items I want to be removed from my three bureau credit reports, as stated in my letter : EXPERIAN 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX L Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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: Debt collection

AS OF XX/XX/2022 XXXX XXXX  CLAIM THAT I OWE XXXX FOR MEDICAL REASON.
Product: Student loan

I am unable to get an amortization schedule of my loan online to determine allocation of principle and interest as well as when my loan will be paid off or when the loan will adjust since Im on the graduated payment plan. When I contacted Nelnet, on XX/XX/2018, the customer service rep was unable to locate my disclosures as well and asked to email them to me after they were requested from a different department. I called Nelnet because I noticed my original principle balance was approx $ 38k and now my payoff is approx $ 46k. Ive has my loan with them for about 8 yrs and my loan has increased about $  8k due to interest ; Ive never been late on a payment. At this rate Ill be paying on this loan until Im XXXX yrs old and my interest could easily be half of the original loan balance. I want to refi this loan ; however, Id like to see all my options to ensure Im getting the best rates and payment options. 

I know this is a violation of TILA as my disclosures should be available and accessible to me. I should know how my payments are being allocated and have been allocated as well as future allocation and rate or payment adjustments. Now I have to wait for another department to generate my disclosures. While I wait Ill become distracted with other things until I come back to it, in which theyll already have another payment with additional interest or Ill need to call back to make another request if I dont receive them timely.
Product: Vehicle loan or lease

Back during hurricane Irma in XX/XX/XXXX, My job was closed for 2 months due to damage, XXXX XXXX offered me 3 month deferment on my car loan, once we got to the end of the loan, which was suppose to end XX/XX/XXXX but extended to XX/XX/XXXX due to the deferments. They reported late payments, although I was still making monthly payments on my due date. I called in XX/XX/XXXX to see why my balance no longer had a due date, they told me not to worry about it and to continue to make my monthly installments of XXXX until my loan is paid off. Once I paid off my loan my credit score decrease a total of 34 points due to 120 days late XXXX XXXX/ Innovate Auto Finance reported on my credit report. The loan is now paid off but am personally suffering, I am trying to purchase my first home which I have been denied due to the recent reporting.
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with XXXX XXXX XXXX, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to XXXX XXXX XXXX : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/year>, following XXXX XXXX XXXX  's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent.

Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXX XXXX XXXX  has failed to meet this obligation.

Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. XXXX XXXX XXXX  does not have my written consent to share my information.

Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX XXXX  did not inform me of this right.

Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of XXXX XXXX XXXX  's reporting services and sharing of my information. 
Conclusion : XXXX XXXX XXXX  's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation.

I am once again requesting XXXX XXXX XXXX to honor my rights and process my opt-out request as mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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 or other personal consumer reports

I am trying to purchase a new car, I realized I had damages on my credit report and according to the 15 U.S.C 1681 law there should not be any damages on my credit report its a defamation to my character including my rights as a U.S citizen.
Product: Checking or savings account

I received a Chime card in the mail on XX/XX/2022 for an account that I did not open, the account was opened fradulently. I called Chime on XX/XX/2022 they were able to close the account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 MONTHS THAT I WAS REPORTED LATE 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!
Product: Mortgage

I am attempting to avoid foreclosure and short sell my home. I have an accepted offer and have been attempting to initiate a short sale with the bank and the bank refuses to allow me to initiate the short sale and refuses to speak on the account. I have left multiple messages with the specialist handling the loan and emailed the foreclosing attorney directly with no resolve.
Product: Debt collection

ZuntaFi sent a notice that they are willing to settle a defaulted student loan debt they claim to be servicing. My student loans are not in default, nor are they serviced by this company. There is no information about disputing the debt in their collection letter. 
Attempts to reach the company by phone are unanswered and in the meantime they are reporting the defaulted debt on my credit. There is no debt owed, I am in good standing and my servicer is XXXX according to studentaid.gov. 

Searching the internet on this company, they appear to be doing this to a lot of people. I am considering bringing a lawsuit against them under the fair debt collection practices act, but wanted to ensure they are reported to the government for running this scam so that perhaps you can hold these people legally accountable, because I can imagine many people would fall for this scam.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is saying I owe XXXX XXXX XXXX, and I 've never taken credit from them. For that matter, I 've only had XXXX credit card in my entire life about XXXX years ago, and that was fully paid off. 
Now, I 'm a widow with XXXX children and have been receiving XXXX benefits from the governemt, so I have paid for everything with cash, however, I 'm trying to build and establish credit, in hopes to buy a home for us one day, but I found this on my report, and do n't know who else to contact.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this inmediately re-investigated. the inaccuracies are higty injuerious to my credit score TRANSUNIONS : XXXX NUMBER ACCOUNT : XXXX DATE : XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY DATE XX/XX/XXXX Experian credit bureau XXXX XXXX XXXX XXXX Account number XXXX CREDITOR bankruptcy XXXX XXXX  According to FCRA SECTION 611 I AM DISTRESSED THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE. YOU HAVE FAILED TO OBTAIN/ MAINTAIN REASONBALE PROCEDURE 'S IN YOUR OPERATION THAT ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORT YOU PUBLISH. 

PROVIDE FULL DESCRIPTION OF THE PROCEDURE USED TO DETERMINE ACCURACY AND COMPLETENESS. CREDIT REPORTING LAW 'S ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT. 

THE FOLLOWING INFORMATION, THEREFORE NEEDS TO BE RE-INVESTIGATED. I RESPECTFULLY REQUEST TO BE PROVIDED PROOF OF THE ALLEGED ITEM. SPECIFICALLY THE " CONTRACT '', NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE. 

FAILING THAT, THE ITEM MUST BE DELETED FROM THE REPORT AS SOON POSSIBLE. 


SERIOUS ERROR IN YOUR REPORTING. 
PLEASE DELETE THIS MISPLEADING INFORMATION, AND SUPPLY A CORRECT CREDIT PROFILE TO ALL CREDITOR 'S, WHO HAVE RECEIVED A COPY WITHIN THE LAST 6 MONTHS, OR LAST 2 YEARS FOR EMPLOYMENT PURPOSES. 

ADDITIONALLY, PLEASE PROVIDE THE NAME, ADDRESS, AND TELEPHONE NUMBER OF EACH CREDIT GRANTIOR OR OTHER SUBSCRIBER. 

UNDER FEDERAL LAW, YOU HAVE THIRTY ( 30 DAYS ) TO COMPLETE YOUR REINVESTIGATION. BE ADVISED THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEREBY REQUESTED AS WELL, TO BE PROVIDED WITHIN FIFTEEN ( 15 DAYS ) OF THE COMPLETION OF YOUR REINVESTIGATION. 

THIS SAME LETTER HAS ALSO BEEN ISSUED TO THE ATTORNEY GENERAL, DUE TO THIS IS THE 2 REINVESTIGATION, WITH EXPERIAN, NO PROOF OF CONTRACT OR NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE HAS BEEN PROVIDED. 

ATTORNEY GENERAL HAS ISSUED A LETTER HEAD TO CREDITOR THAT YOU HAVE LISTED, FOR PROOF OF SIGNATURE NO PROOF PROVIDED. 30 DAYS REINVESTIGATE AND 15 DAYS TO GIVE PROOF. NEXT LEGAL ACTION ACCORDING TO FCRA LAW. 

30 DAYS FROM NOW WILL BE XX/XX/XXXX, do not provide me with a automatic reinvestigation letter, requesting a copy of contract, or noter with my signature. 





THANK YOU XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed through XXXX and XXXX XXXX regarding my Wells Fargo Dealer Services and XXXX XXXX XXXX. I have asked that these be removed from my credit report. If the account is marked current and/or closed why can't it be removed? I have asked over and over again
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the expiration of our Car Lease with XXXX XXXX dated XX/XX/2020, we arranged to return the leased car prior to that date, returning it on XX/XX/2020. Due to our age and comorbidities, we requested ( as XXXX  normal procedure ) to have the car pre-inspected and picked up from our residence home prior to expiration of lease. No XXXX inspector was available and the car could not be picked up from our home, again due to Covid 19. Same advice was given by dealerships XXXX XXXX and XXXX XXXX XXXX XXXX CA. We were told to bring the car to the dealer closest to us, ( i.e., XXXX XXXX XXXX in XXXX XXXX CA ). There was no XXXX representative present at the dealership and the manager representative for the dealer, upon our request, had her representative staff inspect and look over the car in our presence, checked the odometer reading to ensure everything was in order ; car had XXXX miles per odometer on a 3-year allowed lease mileage of XXXX miles. The dealer reported to the manager who then issued to us Vehicle Return Receipt. Per the lease agreement a total disposal fee of {$590.00} is payable at lease end which we offered to pay but advised that XXXX XXXX send a bill for it separately. 
In a phone call with XXXX XXXX, I was told that in addition to the disposal fee of {$590.00}, we are being billed for {$48.00} sales tax on the disposal fee, not indicated on the lease agreement, and an excess wear and tear scratch on the rim of the tire valued at {$85.00} plus tax. We paid the {$590.00} total disposal fee per the lease agreement, but disputed and contested the validity of the excess wear and tear charge and disposal sales tax, requesting for the evidence supporting the charges such as inspection photos or report of inspection done in our absence. I mentioned that because of XXXX  representative not available, we requested for inspection done by the dealership manager or representative. However, XXXX XXXX stated that the dealership we surrendered that car to, does not represent XXXX XXXX. The XXXX XXXX underwent premium maintenance as warranted by the lease during the lease term as required and necessary. 

After my payment of {$590.00}, I never received any more statement of account from XXXX, nor did I receive any advice on the disputed items. 

I discovered sometime last month that the disputed items were erroneously reported by XXXX XXXX as delinquent, resulting in my and my husbands credit scores to drop from the XXXX for many years, to the XXXX during this unfortunate Covid 19 period. The procedure I would have expected would be a denial of my dispute and further statements of account or delinquency notice, etc., to let me know XXXX demands payment prior to reporting disputed balance to any credit bureau. This practically ruined our financial ratings and integrity for further financial business transactions. 
This is definitely an unfair consumer financing practice particularly of a large corporation as XXXX XXXX XXXX. 

We are still awaiting XXXX  supporting evidence of the disputed items as described above.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX  Balance {$15000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$8000.00} Date Opened XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Verification Request Due to XXXX XXXX Breach To Whom It May Concern, I am writing to formally request verification of the debt referenced in your recent communication ( Account Number : XXXX ). As a victim of the XXXX data breach, my personal information, including my Social Security number, was compromised. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. Therefore, I kindly request that you provide the following information to verify the debt in question : The original creditors name and contact information. 
The specific amount of the debt, including a breakdown of charges. 
A detailed record of how this debt was incurred. 
If this debt is the result of fraudulent activity, I will be reporting the incident to the appropriate authorities and will pursue resolution through fraud protection channels. 

Please respond to this request at your earliest convenience. You can contact me at my email address : XXXX. 

Sincerely, XXXX XXXX