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

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX NJ XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged. 


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

I recently submitted a dispute with XXXX concerning a public record on my credit report. I was instructed to contact LexisNexis regarding the issue. LexisNexis was named as the vendor that verified the public record. I have submitted supporting documents to XXXX from LexisNexis stating that the public record account do not exist. Also, a letter from Bankruptcy court stating they do not report directly to credit Bureaus. I understand that the XXXX must physically verify information from the original furnisher. This public record is not reported by the other reporting agencies XXXX and XXXX. I asked XXXX in my previous dispute about the non consistent and inaccurate reporting, which was never validated. I submitted all documents to XXXX on XXXX XXXX. My dispute confirmation number is XXXX. I would like a proper and thorough investigation. The public record is XXXX Court US BKPT CT TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to get emails and letters from credit card companies and loan companies that I never applied for. I have multiple hard and soft inquiries that is hindering my credit score. I also received a settlement letter for a loan that I did receive or apply for.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently discovered that my personal information was exposed in a data breach, resulting in inaccuracies and negative entries on my credit report. I am requesting that all incorrect or fraudulent items be removed promptly from my credit file within the XXXX dispute resolution period. 

Thank you for your attention to this urgent matter.
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 XXXX 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
Product: Credit card

I booked a flight for my wife and XXXX children on XX/XX/year> for {$1700.00} with XXXX XXXX using my American express credit card ending XXXX. I was sent one confirmation email with Booking Reference XXXX. Ticket number of the lead passenger is XXXX. 

Two separate charges for the same amount appeared on my statement, each for {$1700.00} with the same date ( XX/XX/XXXX ). 

I disputed the duplicate charge with XXXX XXXX who initially said I had been charged once. I then disputed the charge with Amex multiple times. Each time, the Amex agent I spoke to agreed there had been a mistake and filed a dispute with the " back office '' team. However, the three official responses from XXXX XXXX and this team the did not resolve the dispute. 

The first official response ( XX/XX/XXXX ) provides a refund of {$450.00}. It is not clear why this particular amount was refunded rather than the full amount. 

The second official response ( XX/XX/XXXX ) declines further refund of the remaining {$1300.00}. The second response is accompanied by information from XXXX XXXX on the disputed, duplicate charge. The Booking Reference ( " Confirmation ( PNR ) '' ) is XXXX. Ticket number for the lead passenger is XXXX. I have no record of any booking or confirmation email with this reference or ticket number. The document contains " proof of payment '' ( page 16 ) but this is not evidence that I initiated or approved the transaction ( which I did not ), just the details of the payment they took from Amex. 

The third official response ( XX/XX/XXXX ) is inconsistent and confusing. It acknowledges two separate transactions and claims that the disputed transaction ( ticket number : XXXX ) was paid for on a card ending XXXX. I do not have a credit card ending in these numbers. In contrast, the supporting evidence from XXXX XXXX for this transaction states : " Merchant response type : Accept '' and " The merchant accepts this dispute. No rebuttal documents to be sent. '' But it also states : " No credits to be issued. 

Aside from just messing up on the third response, a key issue here is that Amex does not seem to have a robust process for determining if a customer initiated or approved an internet transaction in the case of duplicated charges ( where, by definition, the merchant has valid payment details ). The third response contains details of the valid transaction ( reference XXXX, ticket : XXXX ) including the IP address used. These details are missing from the disputed charge. The the lack of these details indicates that XXXX initiated the disputed transaction, not me. Amex could have deduced that from their omission ( but probably needs an even more robust process ).
Product: Checking or savings account

A series of fraudulent transactions, by way of fictitious checks or ACH transactions, have occurred to my JP Morgan, which is now " closed '' as per the banks prerogative. 

Attached are copies of some fraudulent checks, among others, submitted to the bank which led the bank to close all of my accounts. There is no question that my accounts were hacked. Chase bank has since seized all the funds in my bushiness operating account and lawyer trust-fund XXXX account.
Product: Debt collection

i have three cards that were opened in 2017 after the XXXX breech and i did not obtain nor authorize any of them ive contacted them constantly to remove them and ive disputed them with the bereaus as well ive also filed police reports on all of them
Product: Bank account or service

I Made An Online Purchase And Did n't Receive The Product. I Had Contacted The Merchant And They Sent me a Refund E mail Telling Me To Contact My Bank " BMO Harris '' in Order To Get A Refund. I Contacted BMO Harris and They Told Me That They Would Send Me A Claim Form To Fill Out And To Drop It off at Any BMO Branch. 
After A Week I Still Did n't Receive The Claim Fourm And Contacted BMO Harris Again And They Said They Would Send The Fourm Again. Instead Of The Claim Forum I Received A Letter Telling Me That My Dispute Is With The Merchant Over An Authorized Transaction And That They Will Not Continue The Claim And BMO Was Closing My Claim. 
( This Is The Refund E mail From The Merchant ) Important Order Info Inside ... 

Act immediately if you want a 100 % REFUND on your order. Your order will NOT ship! Please read below and follow the instructions very carefully. Failure to follow the instructions will mean you will not receive your refund. 

As was stated in a previous email, the money you paid for your order is being sequestered by XXXX and as much as we would like to refund you directly, we can not as we have been locked out of managing our XXXX Account. 

However, this does not mean that you can not receive the FULL REFUND that you are owed. Follow the following instructions in order to get your money back ASAP. 

1. If you paid for your order via XXXX, log into your XXXX account and effect a dispute on your payment to XXXX XXXX. If you paid for your order via Credit Card, please contact your bank or credit card issuer as soon as you are able. 

Again, we sincerely apologize for any inconvenience this has caused by XXXX. 

The Management XXXX This Is The Only Information The Merchant Is Providing Witch Gives Permission For My Bank To Reverse the Charges. 
I Do n't Know Why The Bank Will Not Reverse The Charges??
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations XXXX  caused my violations : see attachments : XXXX XXXX remove : Account Name ADS/XXXX/MYPOINTSRWD Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$350.00} written off. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$200.00} Highest Balance {$350.00} Terms NA Payment History Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$660.00} written off. {$660.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -Untitled { XXXX XXXX XXXX } XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX  XXXX - - - - 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 instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I tried to submit a dispute on my experian credit report. After submitting all the information they ( experian ) would not allow me to submit my dispute. It stated that I already disputed these items and to call that toll free number again. I've tried several times to reach a live person to dispute these accounts that are wrong and can't even speak to a human. XXXX XXXX XXXX XXXX XXXX is paid in full ... .XXXX XXXX XXXX has fraudulant charges ... ..XXXX XXXX was verified as never paid late ... .and XXXX XXXX was verified as never paid late .... ( XXXX did a proper investigation and that was the outcome and correct results ) XXXX has fixed my credit report but experian won't even let me on the system. This is not right as having this wrong information reporting is hurting my credit and causing me a hardship. I am fustrated at the fact that they won't even let me re-dispute this information nor let me online to do it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXXXXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX Account number : XXXX Balance : {$0.00}
Product: Debt collection

This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, FL, via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/2017 in the amount of {$4900.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Florida. I will never pay this fraudulent debt. Not under any circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : The issue I am having with XXXX XXXX XXXXXXXX is not actually a credit reporting but actually, being reported to CHEX SYSTEMS. I have been a XXXX client for 33 years and on XX/XX/2022, there was check fraud on my account. I immediately called XXXX to report and they froze my checking account. I informed them that I had my bil lpays scheduled to come out that evening and the day next and they reassured me that all bil pays would be paid from the " fraud '' account. I went to a banking center to open a new account. Starting the next day, my online banking showed my scheduled bill pays being returned for insufficient funds! I then called and was told that they did not honor these and I had to rebuild all my bill pays from the new account which took me hours. Needless to say I was receiving fees and returned payment notices and had to pay 4 bills double. Since then - now 5mths later, have had to call their fraud dept and online banking to request proof that my payments were paid thru the fraud account or not. I have called every 2 weeks for 5mths and never receive anything. I was REASSURED by XXXX that the frozen fraud account, which was overdrawn '' would NOT BE REPORTED to any agency until I would clear this up. Well, I had to pay the overdraft but they reported me to CHEX SYSTEMS anyway and after dealing with the branch, the departments and escalated to their Market Manager they are REFUSING to remove me from Chex Systems even though the account has been paid back by my own funds. I would like to have XXXX remove me from CHEX SYSTEMS. Thank you.
Product: Credit reporting

I believe I am a victim of identity theft. Every year that I try to get my free annual credit report it tells me that my data does n't match even though I have been using the same social security number all of my life. Its also keeping me from getting a past XXXX from one of my jobs.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also XXXX allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency pak is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I received a credit card offer by mail, reviewed the information and applied for a card believing it was a card without a yearly fee. After receiving the card in XX/XX/XXXX I did not use it for a few days as I have multiple other credit cards. I then charged some groceries to it on XX/XX/XXXX and XX/XX/XXXX, there may have been additional purchases as well but were minor. When I received the first bill there was a XXXX XXXX yearly membership fee applied. I immediately called the company and indicated that I never saw or knew that there was any yearly fee associated with this card and would have never applied if I knew. I asked them to waive the fee and I would keep the card or that I would cancel the card and would not be paying the yearly fee. The representative indicated that since I had used the card, they had to charge me a fee. I indicated that I could not afford a credit card with a fee, had multiple already, and that their offer or literature never indicated a XXXX XXXX  yearly fee. I have called multiple time since then to try and correct his situation. I immediate paid off any balance I owed for the few charges I made before the due date so the balance was XXXX. At first, they were unwilling to close this account but on a subsequent call they did. So, the account is closed but am still being charged like there is a balance of the XXXX XXXX yearly membership fee and interest on that charge. I have called back multiple times and they are unwilling to remove the yearly charge I was never informed of, immediately notified them of, and have closed and never used the card again. Now they have reported missing payments to the credit bureau which is affecting my credit score. When I called in trying to get them to fix it again, they tried to extort money out of me. I think this company is running an illegal scam preying on people like me thinking I will just pay them to stop damage to my credit score. They never informed me of a XXXX XXXX yearly fee and for a credit card with a XXXX XXXX XXXX XXXX its definitely deceptive. Their unwillingness to address the problem for a new customer is another indication this credit card and credit card company are scamming customers.
Product: Credit reporting or other personal consumer reports

I have been greatly affected by the incorrect credit score reporting by all 3 bureaus, Experian, XXXX and XXXX. It shows that I was past due on an account from XXXXXXXX  when this is incorrect. I have mailed 15 letters and disputed this many times with no success. I have provided bank statements, credit card statements, and any proof needed to show that this information is incorrect. As a result of this, it has now been over a year and I have found myself in poor credit standing for a long time now, this has affected me greatly as I used to have a good credit score and it bought me down by many many points. Financially this has been a burden as good credit standing is very important. I was hoping my many efforts would work but everything has been to no avail. I have even called the credit card company and they have resent all documents to verify that this reporting is indeed incorrect.
Product: Mortgage

I was contacted by mail that I was a part of a class action lawsuit brought against Chase. 
The details are the case has been settled and I never received my portion from the settlement. I have contacted several organizations related to this case and have not received a response. 
To compensate the estimated 50,000 XXXX and XXXX  borrowers who paid higher rates and fees than similarly situated white borrowers, CHASE has agreed to create a settlement fund in the amount of approximately {$53.00} XXXX. CHASE has further agreed to retain an administrator  to manage the settlement fund and to locate borrowers who may qualify for compensation. Borrowers who are XXXX XXXX   and/or XXXX and who obtained a mortgage through CHASEs wholesale channel from XX/XX/XXXX through XX/XX/XXXX should be contacted by the administrator in the next several months, or can contact the United States Attorneys Office directly, by contacting the Civil Rights Complaint Line at ( XXXX ) XXXX, using the Civil Rights Complaint Form available on the United States Attorneys Offices website http : //www.justice.gov/XXXX or by sending a written claim
Product: Credit reporting or other personal consumer reports

apartment management evicted me due to below tenant complaints of noise. ( not verified ) apartment management evicted on specific date. I left and later was called by collection agency. I do not owe this money to apartment management company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly a balance due on the XXXX - partial account number XXXX. These items were included in the Chapter XXXX BK. XXXX  is reporting this item correctly. This incorrect reporting is harming my credit score.
Product: Debt collection

My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX XXXX XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by XXXX  and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.
Product: Prepaid card

Today, XXXX XXXX I purchased an American Express gift card from a XXXX drugstore for {$190.00}. Ive checked my balance on their website to verify that the amount of {$190.00} is available and it is. I have tried to use my card online and in stores at several locations and it keeps getting declined. There is no customer service to talk to someone. They provide a number on the back of the card but it just gives your balance and list transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to go through a refinance company on XX/XX/2021, for my mortgage and to my surprise was told that some derogatory information by EQUIFAX MORTGAGE SOLUTIONS, a credit check service for the mortgage industry; whom I NEVER gave expressed nor written consent to have a report in the first place with any of my personal data/information is reporting inaccurate, false, misleading and deceptive information that is impeding me from moving forward with this refinance company. It is a fact, that, I, have reason to believe and do so believe, I am a victim of aggravated identity theft under Title 18 U.S.Code 1028A, as EQUIFAX MORTGAGE SOLUTIONS, has knowingly used without lawful authority, without my permission a means of my identification, which is in direct violation of 15 USC 1681b. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. Under the FCRA, I have the right to dispute all incomplete and inaccurate information in my credit reports with the agency that made the report. And as a, federally protected consumer, I will use all remedies available to me, and hold the CRA liable under 15 U.S.Code 1693m for the actual damage caused to me, as well hold them liable for any and all violations, and of course hold them liable for criminal liability pursuant to 15 U.S.Code 1693n. Please see enclosed attachments of proof provided to me by the refinance company of the same derogatory inaccurate information I am disputing here today, that they see on their end. I have already attempted to handle this over the phone with the company in this complaint, and as of yet no luck, and no solution based outcome as come out of it.
Product: Debt collection

I have not had an account with this company and has demanded " validation of Debt '' twice now. I did not enter into any contract with this company and has not received any documentation at all from them.