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

LexisNexis is a consumer reporting agency that sells a variety of types of reports about consumers. Two of LexisNexis ' types of consumer reports are called CLUE Property and CLUE Auto, which contain information about a consumer 's property insurance and auto insurance claims history, respectively. The CFPB is aware of these reports : https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/comprehensive-loss-underwriting-exchange/ In prior years, I was able to obtain my CLUE Auto and Property consumer reports for free annually from LexisNexis as required by federal law. This year, LexisNexis has changed their consumer report web site. The new site at https : //consumer.risk.lexisnexis.com provides a web form for requesting a full consumer disclosure from LexisNexis. 

I requested my full consumer disclosure from LexisNexis using this web form on XX/XX/2020. LexisNexis recently provided me my consumer disclosure in response to this request, but the disclosure did NOT include my CLUE auto and property reports as expected. The disclosure I received is therefore not a full file disclosure and I do not know what else might be missing. 

The changes to the consumer disclosure web form on LexisNexis ' web site does not provide an option to request these CLUE reports, nor does it enumerate the types of reports that LexisNexis creates about consumers. This makes it impossible for your average consumer to know if their LexisNexis consumer disclosure actually contains all the information LexisNexis is required to provide. I know the CLUE reports are missing because I have received them in past years, but the average consumer has no way to know. 

LexisNexis needs to provide me with my FULL file disclosure, including ALL information that it stores about me. LexisNexis also needs to fix their consumer disclosure web site and internal processes so that ALL consumers receive full and complete disclosures in response to a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I XXXX XXXX notified TransUnion on the violation on my consumer report. On XX/XX/XXXX Transunion responded, and they have failed to answer any and all questions that was present to them. TransUnion have avoided the whole Affidavit of Truth. This is a Notice f Default and Opportunity to cure. You are hereby again put on Notice of my standing and the lawful facts. If you fail to respond to the aforesaid Notices in substance or within the reasonable time frame provided herein, without first legally rebutting the points of law claimed herein or within previous Notice ( s ) served, it shall be taken to mean by all interested parties that all claims and assertions stated by me herein/therein are true and indisputable lawful facts and, that you agree to them entirely and without exception. It will also be taken to mean that any further action taken against myself as a living nature person and or, against the fraudulently created 'legal fiction ', shall be taken to mean by all interested parties to be harassment, demanding monies with menaces and coercion to aid and abet crime at common law.
Product: Student loan

This complaint is about my Parent Plus loans with Nelnet. The amount of the payment is not taking into consideration the High Cost of Living and paying other bills. Interest is climbing faster than I will ever be able to pay off. I am not getting any assistance from Nelnet to resolve the issue. They insist in including my wife 's income when trying to refinance, or consolidate. She is not my daughter 's mother and was not in my life when the student loans were taken out. Being required to include her income on something she had absolutely nothing to do with is capricious and arbitrary. 

The loan repayment options do not consider my current credit ratings and only provide options based an an aggregate of the existing loan rates. Nelnet 's options continue to require my wife 's income and as previously stated, she was not in my life at the time the loans were taken and she is not my daughter 's biological, nor adoptive mother.

I would like these loans to take into consideration my current credit rating, only my income and not my wife 's and all my financial obligations including, home costs, groceries, utilities, etc. It is not fair, nor practical to base payments only on income. It is not fair to require including income of someone who has XXXX connection to these loans. Doing so is akin to loan sharking, in my opinion. 

This is the third complaint I have filed against NELNET. The first 2 complaint resulted in them giving their typical, form letter- nothing we can do response. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

1. NAVY FEDERAL WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE.

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XX/XX/ WHICH MEANS THE DEBTS XXXX PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Product: Checking or savings account

I was charged a insufficient funds fee of {$34.00} on XX/XX/2019 for a transaction made on XX/XX/2019. Also on XX/XX/2019, I made a deposit to cover the transaction. 

When I called the bank to request a reversal of the fee because I made a deposit to cover it, I was advised they would not be able to do that. 

They also have the incorrect date for the transfer. I made the transfer to cover the transaction on XX/XX/2019, and not on XX/XX/2019.
Product: Money transfer, virtual currency, or money service

I have a venmo account with email : XXXX that was suspended for no reason and I have all my documents uploaded it has {$720.00} in account and I want my money now. Account was frozen for no reason.
Product: Bank account or service

I deposit {$200.00} ( 2 {$100.00} XXXX on XXXX/XXXX/16 at XXXX. The atm ate my money and gave me a receipt to file a claim. I called Chase Bank ( XXXX, Indiana ) at XXXX that same day. I refunded me a temporary refund of {$200.00}. On XXXX/XXXX/16, they took the refund back. I called Chase and said the investigation is close. I called when a supervisor was not available to speak to. Chase took my money ( {$200.00} ), I did make the deposit and it is my fault their atm machine mess up. I will never trust Chase and especially their atm. I expect a full refund of my {$200.00} ASAP.
Product: Credit card or prepaid card

I received a letter from Paypal in XX/XX/2020 that they were having difficulty contacting me and there was approx 5k balance this acct. I never opened a paypal credit acct. I contacted them and advised that i have been fighting XXXX and a disabling XXXX  XXXX since 18 months ago. I filed a police report. I contacted the credit agencies and froze my credit. I filed a dispute and told them i have 2 home care aids and i wanted to know who the fraud investigator was because i received a letter today stating that i benefitted or participated in the purchases.This is not true. They said they would reopen the claim but They clearly did not investigate and now want me to pay the bill. I have XXXX XXXX, XXXX XXXX, and XXXX XXXX These people should do their job!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ana address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several serious issues 1the amount credit usage 2 payment history 3 amount of times late 4 balance of payment left 5 deragoatory marks or statements not true 6 inquiries hard 6 fraud alert 7 amount of credit limit
Product: Credit reporting, credit repair services, or other personal consumer reports

In was looking over my report, you guys marked me as late on beginning XX/XX/2021 In which I requested a investigation on what was stated to me. Later that year I tried to have the later remove with a good faith letter that was denied. According to the law you are not suppose to do this and I would never be in this settlement agreement now on a Charge-off account. 

In accordance with the Fair Credit Reporting Act Convergent account with Capital One has violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experience between the consumer and the person making the report are not included in consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to formally dispute an account on my credit report that I believe to be a result of identity theft. The account in question is a XXXX XXXX account with a balance of {$2400.00}. 

I assure you that I have no knowledge of or association with this account. After thorough examination of my personal records and financial statements, I can confidently state that I have never entered into any agreement or incurred any charges with XXXX XXXX for the aforementioned amount. 

To address this issue promptly, I have already taken proactive steps by submitting an identity theft complaint through the official channel at identytheft.gov. This complaint includes all relevant details and supporting documentation related to the disputed account. 

Considering the severity of identity theft and the potential implications on my financial well-being, I kindly request your urgent attention and assistance in investigating and rectifying this matter. I would appreciate your immediate action to remove this account from my credit report until the identity theft investigation is concluded. 

Furthermore, I would like to request a written confirmation of the receipt of this dispute letter and regular updates on the status of the investigation. Please ensure that all communication pertaining to this matter is sent to my current mailing address on file. 

I have always maintained a strong credit history and have promptly resolved any legitimate financial obligations in the past. It is disheartening to find myself in a situation like this, and I trust that you will work diligently to rectify this matter and restore the accuracy of my credit report. 

Thank you for your attention to this dispute. I look forward to a swift resolution and appreciate your cooperation throughout this process. Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided below.
Product: Payday loan, title loan, or personal loan

I recently was bombarded with emails from LendingClub a company where I am currently paying off a loan I received around 3 to 4 years ago with a co-signer in the amount of {$570.00} a month. I have been making on-time payments and monitoring my credit score and credit decisions with the XXXX app for smart-phones. I was under the impression and assumption that I was refinancing my current loan which I am halfway through paying. I had no intention of taking out another loan or in their words " opening up another account, and it's okay because at LendingClub you can have up to two accounts at the same time. '' When the offer was first made to me they said I can apply up to {$40000.00}, so I applied for {$40000.00}, they came back with an offer of {$13000.00}, which I accepted. So I am thinking they loaned me the $ XXXX minus the $ XXXX, which would left me with {$15000.00} cash in hand. But now I can't remember if was going to refinance the $ XXXX I originally borrowed minus the remaining balance of {$11000.00} which would have left me {$13000.00}, again close to the amount that they created a second account for. After their admin fees I received through direct deposit {$13000.00}. I never would have agreed to take out a completely new second loan to add to my debt, that I am trying to get rid off. LendingClub bombarded me with emails using key words like refinance, congratulating me on payment streaks, and now I feel they are trying to take advantage and take what little money I have left to pay on a second loan them. I called a customer rep, greedy and predatory when I spoke with them over the phone. Also my interest rates are to high at 30 %, for my credit score of XXXX when I applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; COLLECTION Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter certified mail # XXXX XXXX XXXX XXXX XXXX. The letter was received by Transunion on XX/XX/2022. 

I asked Transunion to investigate every piece of information on accounts I disputed. 

According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Transunion stated that the accounts were verified/updated ( see the response letter from Transunion attached File # XXXX ) but how is this possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting XXXX XXXX percent accurate and according to 15 USC 1681a, everything must be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the credit bureaus using the CFPB Dispute Template to investigate inaccurate and unknown items on my consumer credit report. I was initially supposed to receive a timely respond within 30 days which would have been XX/XX/2022. Unfortunately, XXXX was the only timely response I received with full documentation of my consumer credit report. I felt like I was being taken advantage of and have been ignored by these trustee of my needs as a consumer. This is a violation of 15 U.S.C 1681 Section 611 ( a ) ( 1 ) and 623 ( 9 ) ( b ) ( 2 ), which states that failure to investigate these items within the 30 day timeframe prompts immediate removal of these items from my consumer report. I demand these accounts be deleted or I will file arbitration/litigation due to duress and stress impose upon me. I have served the bureaus yet again, which I shouldn't have to do so in order to further my concerns and seek remedy for these inconveniences. I will leave the Certified Mailing Tracking for the SECONDARY notices sent out, due to failure of this fiduciary obligation by these entities. 
XXXX : XXXX XXXX : XXXX TransUnion : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX Collection Agency Name & Address Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX XXXX, This letter is a formal statement notifying the above parties that the accounts are disputed. The vehicle in question was purchased on or about [ XXXX ], financed by [ XXXX XXXX ], repossessed in the state of [ Maryland ], and sold by [ XXXX Dealership in XXXX XXXX XXXX XXXX ] on or about [ XXXX ]. Under the laws of [ Maryland ] and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above XXXX XXXX XXXX Send to Collection Agency, Original Creditor, and Car Dealership. I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 
XXXX XXXX XXXX : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit report have these inquiries that are unknown I did not give this company permission to run my credit I did not apply for no mortgage loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with this company even filed my identity theft report fringe FTC and they still will not delete the fraudulent inquiries even after creditor notified them to do also they totally ignored everybody request. This was as recent as XX/XX/XXXX I believe I've even wrote too the attorney general 's office but still no help
Product: Debt collection

This company continues to report accounts on my credit report that are not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just baring my name address as I am a victim of identity theft. They continue to report collection account to the credit bureau. I have sent a multitude of request to accurately validate these accounts and send me verification of it, yet they choose not to. They send me letters stating that " this is not an attempt to collect a debt '', yet they are placing these fraudulent accounts on my credit report. They send letters saying the debt has been verified by sending me printouts of someone's last statements and a letter stating they bought whomever this debt belongs to. THESE ACCOUNTS DO NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING THEM ON MY CREDIT REPORT!! THESE ACCOUNTS ARE NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to these accounts, and the blatant disregard of my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

On the outset, THIS IS NOT A DUPLICATE COMPLAINT, and I EXPECT A RESPONSE FROM THE COMPANY or a CIVIL LAWSUIT WILL BE FILED NEXT. 

XXXX Mortgage ( " XXXX '' ), without my knowledge or consent, provided my personal identifying information, including, name, address, social security number and full date of birth to a third party, CoreLogic Credco, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have never authorized nor consented to XXXX providing any of my personal identifying information to anyone. XXXX never advised me at anytime on or prior to disclosing my personal identifying information that it intended to provide my personal identifying information to anyone for any purpose whatsoever, and now my personal identifying information is in the hands of third-parties which has placed my personal identifying information at a high risk of being misused. Furthermore, I never authorized XXXX to upload any of my personal identifying information to the CFPB XXXX, which was contained in a document described as a " Credco XXXX XXXX Report ''. This unauthorized disclosure and upload of my personal identifying information to third parties, including to CoreLogic Credco and the CFPB violates my privacy as well as Federal and State law.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging postings of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficien balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.