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

I am writing to file a formal complaint against LexisNexis regarding their failure to respond to my request for consumer disclosure as well as a Description of Procedure Letter. 

On XXXX XX/XX/year>, I submitted a request to LexisNexis, However, to date, and even do they advertise on their website that you should receive a message via US Mail within two weeks. I have not received any response or acknowledgment besides the automated response from LexisNexis. 

I have attempted to contact LexisNexis multiple times via phone calls and emails but my attempts to resolve this matter directly with them have been unsuccessful. 

I believe LexisNexis 's failure to provide me with the requested consumer disclosure, Description of Procedure Letter I assume ( I am not a lawyer ) may constitutes a violation of my rights under federal law. That may be determined by the appropriate authority if/when the time comes. 

This situation has caused me undue stress and frustration, as I am unable to verify the accuracy of the information held in my consumer report as well as the procedure they followed to report to consumer bureaus, Therefore, I kindly request that the CFPB investigate this matter and take appropriate action to ensure LexisNexis complies with the FCRA. Specifically, I am seeking assistance in obtaining the consumer disclosure and the Description of Procedure Letter I am entitled to receive. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and obtaining the documents requested from LexisNexis.
Product: Debt collection

I've already filed a complaint one time before with the cfpb and the company response was they will send me something in the mail. They didn't. I've sent them certified letters and they still haven't responded. I want this off my credit report because they won't validate the debt.
Product: Credit reporting or other personal consumer reports

Im feeling both frustrated and disappointed to find unauthorized inquiries on my credit report today. Ive checked it like I always do, but these errors appeared unexpectedly, and refreshing the browser didnt fix it. I ask that you look into the documents I sent so I wont have to stress over this anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$22000.00} 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 an account without my written intrusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent applications were submitted in my name and approved. I have a Credit Monitoring service that notified me on XX/XX/XXXX which was within 24 hoursof the inquiries. They provided information on accounts approved by XXXX XXXX using Equifax and XXXX XXXX credit information. I contacted all three parties informing them of the situation. The Inquiry still shows on my credit report with Equifax and XXXX XXXX. Both claim I need to notify XXXX XXXX. However I notified them on XX/XX/XXXX XXXX and they removed the inquiry from my XXXX  credit report but not the others. 

I have contacted both Equifax and XXXX XXXX MULTIPLE times and have been unable to resolve the issue.
Product: Money transfer, virtual currency, or money service

I use an app called   XXXX   XXXX   it helps me with finances since I live paycheck to paycheck , Wells Fargo is EXTREMLY slow when sending information over and it 's really putting me In a hole when I need money available. I like banking with Wells Fargo but thes e wait times are killing me.
Product: Debt collection

I received a hit to my credit score by XXXX points down and checked what changed and it says it is at a debt collector for XXXX  : Radius Global Solutions in NJ and references XX/XX/year> through XX/XX/year> and all my bills are paid online to XXXX because the increase of fraud with XXXX  especially at XXXX XXXX XXXX XXXX. I paid my latest bill and everything is paid in full so this is clearly another scam affecting my credit now.
Product: Money transfer, virtual currency, or money service

Purchased a ticket for a show through paypal. Found the user through XXXX event page, and communicated with user via XXXX XXXX. 
As soon as payment of {$19.00} ( {$19.00} ticket, {$0.00} paypal fees ) was sent through paypal, the recipient 's XXXX account went missing and I could no longer contact the user. I assumed payment would be protected through paypal, however paypal unwilling to protect this payment as it was mistakenly sent through 'friends and family '. I was distracted at time and through payment was sent as 'goods and services ' - something that seemed correct in my review before sending payment given there was a fee for sending this transaction. 

User clearly has email address ( XXXX ) linked to paypal account so hoping sending here will stop them from ripping off other people. Paypal unwilling to investigate this user - even though it CLEARLY should be there responsibility.
Product: Credit reporting

I applied for a job and was offered a position. Subsequent to that a credit report was requested. There were XXXX items that were reported incorrectly. As a result of the incorrect items an adverse action was taken against me ie rescinding a job offer. These XXXX items as reported were. 1. a bill of {$260.00} reported by XXXX for an account listed in XX/XX/XXXXand held for two months. I returned the items apparently comcast lost them or incorrectly listed the items as not returned. 
2. XXXX. I have had an account with XXXX for about 20 years. This past year I did not work for six months consequently XXXX disconnected my service for two months service. I have tried to talk to XXXX XXXX without success. Once I work I will be able to pay them back but given the availability of streaming and low cost alternatives maybe not but I should not have a job offer rescinded. 
3. Villages of XXXX XXXX, XXXX Oregon. I went to XXXX to work for two months. I took over a sublet. I was required to pay first and last months when I moved in. I stayed for two months, I gave notice a month in advance. I paid for three months and stayed for two. It has been impossible to resolve this without hiring an lawyer in XXXX Oregon which is across the country from where I live. 
4. IRS. Like XXXX other people I was impacted by the XXXX. I listed the foreclosure judgement on my house as a loss. The IRS did not like that. They imposed a lien on my house. To have it removed I need to hire a lawyer who the IRS will talk to. They will not talk to me. I should not lose a job over this. Furthermore a lot of my effort in the past 5 years has been to keep my house. 
5. Because of the above, i bought a car with a ridiculous interest rate. I was out of work for several months. XXXX XXXX did crazy reporting. It has been impossible to talk to anyone at XXXX XXXX. 
Debtors prison has been done away with. I have had a long slow climb out of debt. To have a job rescinded because of previous debt is ridiculous and beyond the scope or abilities of an Human Resources manager. I agree to have a background check but to use the results of a background as grounds to rescind a job offer is nuts. Credit reporting is mainly a tool wielded by bullies used to justify higher interest rates, and in this case lose a job. Telling the IRS in XX/XX/XXXX that I had been out of work for 18 months was useless, as their prime focus is to pick on people who ca n't fight back. Its what they do. The have a lien on my house. I ca n't sell it without paying off the IRS. Mine is a story of what can happen when XXXX hits the fan but I should not have a job offer rescinded because of previous debt. This is most unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have contacted this company multiple times. The insurance company has contacted them as well. This debt was covered by insurance and is not owed. Opened XX/XX/2019. It has been removed from XXXX  but transunion is still reporting it
Product: Checking or savings account

On XX/XX/XXXX, I logged into my online banking profile and saw that {$6300.00} was transferred out of my checking and savings accounts into a bank account that I did not recognize. I immediately spoke to my husband ( joint account holder ), who had no knowledge of the transfer either. I contacted my local branch in XXXX XXXX that same day, went into the branch and was informed that someone had added another party to our accounts, despite the fact that neither my husband nor I had authorized this. This then stolen transferred all of our funds out of this account. I asked them to reverse the transfer and they stated that they couldnt. That same day, I filed a claim with the branch employee and was promised that this would be resolved promptly and that they would return the funds soon. In the meantime, my husband and I were left with no money to pay our bills. I also filed a police report and completed a claim form which I provided to the branch employee. The following week, I called to check the status of my claim, and I was informed that the central office had never received my claim form. I contacted the branch where I had filed the claim and they informed me that the branch employee must have sent it to the wrong area. We resent the form and weeks passed by without any information regarding my claim. Keep in mind, that I was contacting the bank at least once a week ( usually more than once ) for a status update. When I did not receive calls back from the branch manager, I involved the district manager, who ensured me that this would be taken care of and that my funds would be returned promptly. I also asked for information on how this could have happened because in order for the bank to add another holder to a joint account, all parties must be present with identification, and my husband and I obviously did not go the bank to add someone to the accounts. We are also both in possession of our identification so this does not make sense. The bank has refused to provide me with copies of my account records, documents, and/or signature cards and have still not provided any information regarding how something like this could have happened. I also still have not received my funds back despite the fact that 8 weeks have now passed since I filed the claim. Last week, the branch manager assured me that a check would be mailed that week, but I have yet to receive it. Further, the district manager is not responded to my calls or emails regarding a resolution or status update for my claim.
Product: Debt collection

I reviewed my credit report and had come to find out I had unknown accounts on it. I reached out to Commonwealth Financial Systems to try to fix the issue but it was no avail. All 5 accounts are Hippa Violations and I haven't received any services nor products from Commonwealth Financial Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX XXXX XXXX. Account number:XXXX. Reason : Please verify and validate all data for this account, every notation, dates, and balances, whether reported or not.
Product: Debt collection

XXXX XXXX XXXX assumed my account via XXXX XXXX. I paid the stated billed total amount due XXXX two weeks prior to the date due. After payment, the online balance reflected XXXX $ online. The next month I received a bill for a late fee with an accumulated finance fee with no explanation. I then received calls from representatives that couldnt explain the charges. Finally, I spoke with a supervisor who only agreed to waive late fee and finance charges but told me I had to pay XXXX XXXX
Product: Credit card

Today I called and spoke with representative advising that next month annual fee of {$48.00}, I request account to be closed bc I do not want to pay the fee, she refused, The representatives 1st level are trained to the consumers that UNLESS you pay the balance infill, you can not close the account. In addition, if consumer is not able to pay the balance in full REVVI will then assessed the annual fee of {$48.00}, in my case. CFPB should look in to this bad faith practices. XXXX  I experienced the same with XXXX  XXXX, TOTAL VISA, all belonging to the same financial institution umbrella ). Next, I disagree with the rep and requested an escalation, she said, I do not understand escalation, I said a SUPERVISOR OR ACCT SPECIALIST, she then transferred my call and the SUPERVISOR very quickly closed the account and advised me that the annual fee will not be charged HOWEVER, they will continue to charge a monthly fee of 6-8, which is part of the anual fee. I considered this illegal, excessive fees on top of the 36 % interest they charged me. I had this account for 24 mis, with a credit limit of {$300.00}, never been late and they originally charged me XXXX to open account, XXXX activation fee, a monthly fee with a minimum required payment of {$41.00} Last, when you make your payment it takes them 10-14 days to credit the payment so you're never able to use the full credit available because they generate a statement which includes the excessive monthly fee. 
REVVI has charged me excessive fees in the total of XXXX for a XXXX credit card limit. 
BREAKDOWN XX/XX/XXXX, {$75.00} ANNUAL FEE, {$95.00} ACTIVATION FEE, XXXX MOS {$150.00}, XX/XX/XXXX {$30.00} late fee, payment mad eon the same day, its been under review pending back office approval. TODAY, I was able to stop them from billing me {$48.00} Annual Fee but they want to continue to charge me a monthly fee of {$6.00}
Product: Debt collection

I signed for a vehicle with my sister in law in XXXX through Chase Bank. She was responsible for making monthly payments each month of approximately {$500.00}. At the end of XXXX of XXXX I was notified via XXXX XXXX XXXX XXXX personnel that there was a charge off on an account I was responsible for. This was a surprise because I was not aware of any owed debt. Chase Bank never sent me any notice that the account was past due, in collections, or in a charge off status. Once I verified the debt with Chase, and that in fact payments had not been made, I paid the account in full. I am not disputing the debt, only their practice in not notifying me of the lateness of the debt. I am a XXXX  and only learned of this because my security manager informed me that my top-secret security clearance was in jeopardy. Had Chase notified me earlier and properly, I would have fixed the situation before it harmed my security clearance and my credit.
Product: Mortgage

NationStar has repeatedly made erroneous charges to our mortgage account, continue to bill us for tax and insurance escrow though we pay our taxes and insurance directly to providers/county and they have reported inaccurate information to the credit bureaus ( ie. stating our account was discharged with a bankruptcy when it was not, showed our account paid in full when it is not and then ultimately deleted the reported account entirely rather than correcting it when a dispute was filed ). NationStar 's practices seem predatory and their telephone staff spend an enormous amount of time transferring us with no resolution to issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a credit card as well as a checking line of credit with NFCU. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the fraudulent charges be erased from my NFCU Accounts so I can have an accurate balance. So I explained to a representative at NFCU that all they could do was dispute the transactions. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. 

I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. I say this because I have had past fraud claims with NFCU that ended the same way, with them taking the side of the merchant. This is why I filed the ID theft affadavit in the first place this time. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. I would certainly not risk perjury, imprisonment, fines etc by lying to the police department, the FTC and a MILITARY based credit union.
Product: Vehicle loan or lease

On XX/XX/XXXX, I woke up to my car missing. I called XXXX, and they told me it was repossessed. 

Billing Summary : Payment Amount : XXXX USD Payment Fees : + XXXX USD XXXX XXXX Payment Summary : Payment Amount : XXXX which includes a {$600.00} tow fee from XXXX, an hour away from my residency. I would also like to state that my car smelled like cigarettes after picking it up from the impound lot, and I had to get it detailed. 

After I was told that I missed the XXXX payment, and that the late fees incurred equaled total payments, not just late fees, I paid the XXXX bill in XXXX to catch up on one month. Every month was always paid since, and I have my bank statements to prove this. I was also told not to pay XXXX 's bill that was coming out of my account the very day that my car was repossessed. I have taken ownership of this automobile and have always paid the payment, whether a week late, but by the end of every month, except for the XXXX payment, which was paid a week later. 

I'm reaching out about my car being repossessed since claiming ownership in XXXX of XXXX. After starting my new job in XXXX of XXXX, my company pays twice a month. I started late in the weekly cycle and was not able to pay my bill on time until I was on a pay cycle. I automatically set payments to come out of my bank account and never knew about these late fees. I want to stress that since I've taken ownership of this automobile, I stress highly on making sure bills are paid.
Product: Consumer Loan

since XXXX/XXXX/15 I have received XXXX phone calls from XXXX Barkley Bank regarding a bill I owe for {$200.00}. I am XXXX years old so I have hard time hearing so my daughter talked to these people several times asking for a bill. To date I have never received XXXX or a past due notice, just these harassing phone calls.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no non of the alleged Debt nor therefore any such debt in fact exists. 

Present to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.
Product: Mortgage

I submitted a loss mitigation package to my lender, SPS, on XX/XX/2018. I then submitted more documents on XX/XX/2018 to complete the package. I am now being told by SPS that there is nothing they can do because the sale date is too close. My sale date is scheduled for XX/XX/2018. I am a US Veteran and no one from SPS ever reached out to me to offer me any assistance. I have never been assigned a designated point of contact and the excuse that there is not enough time to review the information I sent on XX/XX/2018 is absurd and a violation to my rights. SPS has always given me the run around and now I am forced with no other options.
Product: Mortgage

Loan Agent from XXXX XXXX XXXX XXXX verbally told me he would not inquire into my credit report, and, his inquiry would not result in an " inquiry '' on my credit report. After it did, the inquiry company CBCINNOVIS told me to send an email from XXXX XXXX that the inquiry was made in error. <P/>I sent CBCINNOVIS an Email per their instruction on XX/XX/XXXX. On XX/XX/XXXX, the inquiry was not removed. I spoke to CBCINNOVIS who basically gave me several more excuses and told me they did n't receive the email. I told the supervisor, XXXX, that I wanted his email and a confirmation that he has received it. His only offer was for me to re-send the email to their company email address and begin the entire process over again.
Product: Mortgage

A collection company is foreclosing on my home illegally. The loan for our home is paid off in full.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit profile, Ive noticed several fraudulent items appearing on my credit report. I am a victim of identity theft and would like all items removed and deleted from my credit profile.