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

Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To Whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for quick action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record.

Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO2 reporting standards. 

( XXXX  XXXX Bankruptcy ) ( XX/XX/2018 ) This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliances since, per the XXXX, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data Unfortunately. It appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply federal law.
Product: Debt collection

XXXX didn't send statements or freeze my account for suspicious activity. My account was sent to debt collection when I didn't even get notified of the charges. I was called multiple times by debt collectors and was told to pay a debt I didn't owe. I requested for statements and notified the debt collector and XXXX I didn't recognize the charges and the address on file was changed without my authorization. I believe I was a victim of ID theft. My account was sold to XXXX XXXX XXXX where they continued to collect a debt when I tell them I didn't recognize charges and that address on file was incorrect. And they ignored my communication and sent me a letter saying they don't understand what I am disputing. My account was sold again to Messerli and Kramer where they filed for lawsuit against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX Account XXXX 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, credit repair services, or other personal consumer reports

This is not correct. I am disputing decision This is NOT MY ACCOUNT I did NOT open this account. I do not have XXXX  XXXX. 
I HAVE XXXX. 

Ref : C SYSTEM Last reported XX/XX/XXXX {$490.00} Open balance XXXX XXXX Original creditor XXXX Opened Account status Type Responsibility XX/XX/XXXX ( XXXX mos ) Open Remarks Individual Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXL Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I XXXX received a text message stating that a password change request was initiated for my Coinbase account. Please respond " N '' if you did not make this request. I replied " N '' and was shocked as I did not request it. Also it stated that Coinbase representative will be calling you shortly. I received the call from XXXX XXXX. When you call at this phone number : message goes to Conbase Security as per the voicemail message. The representative asked me to transfer my assets from Coinbase app to Coinbase XXXX  app, as my account was compromised.

He shared all the instructions, but the transaction could not be processed. I got a message in the Coinbase app that the transaction will be processed by XX/XX/year> at XXXX XXXX 
On XX/XX/year> at XXXX XXXX, amount was transferred to my Coinbase XXXX account. 
There was another transaction at the same time XX/XX/year> at XXXX XXXX, when the funds were transferred to a different account. I never made or authorize the second transaction. 

I was not able to see my assets, so I called Coinbase the next day, and they told me that I have lost {$3000.00} cents. And they are not able to recover it. I never received any confirmation message for the second transaction. 
Please assist me in reversing and getting refund for my hard earned money. It is a nightmare and I want justice. Please contact me at XXXX to discuss it further. 

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

XXXX XXXX has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$210.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address
Product: Debt collection

requested financial assistance / Covid19 related relief from Upstart in XX/XX/2020 and at every single step of the way I have felt mislead and constantly on purpose made to feel confused with the relief that I was supposed to be getting since it never was made clear to me what the relief actually was or for how long. Despite my request for relief in XXXX, Upstart marked me as 60 days late in XX/XX/2020 per the attached credit report. I went through the hardship application process and was led to believe that I was approved. I have attempted to resolve this matter with Upstart by telephone only to get the runaround from each and every representative I have talked to..essentially they attempt to frustrate consumers with excessive wait times and runaround in the form of being transferred from one agent to another and nothing gets investigated or resolved. 

As a result of the derogatory marks on my credit report I have taken a XXXX point hit in my scores and am about to need my credit for a major purchase and as a result of Upstart I will have actual and statutory damages. I am attempting to mitigate my damages before I acutally sustain any further actual damages. So far I have sustained over {$370.00} worth of actual damages, which I can prove. 

I do not wish to escalate this matter much further as long as this gets handled within the next 14 days by upstart. Should this matter yet again not be properly handled I will retain a lawyer and seek damages pursuant to Consumer protection law under ( CA CCRAA ) California Civil Code California Consumer Credit Reporting Agencies Act 1785 et seq and The California Rosenthal Act 1788 et seq ( RFDCPA ) I am also requesting that Upstart communicate in writing only via this issue and not contact me by telephone. 

Despite my efforts to resolve this I have felt very bullied by upstart since they are leveraging my credit report and in the process I paid them {$1000.00}, which is money that is hard to come by right now. This entire thing is causing me so much stress and anxiety as I have now spent countless hours trying to fix the mistakes caused by upstate and the damage they have caused me.
Product: Debt collection

I filed a previous complaint about this claim in collection, whereas I never got notice of the debt or time to challenge it's validity. Eastern then sent me a copy of a invoice but never proved they or their client ever sent it to me during the 30 or so days prior to placing it in collections and placing it on my credit reports. Just because you make up an invoice does not prove I owe it nor does it prove I was ever given a opportunity to challenge it, this according to Texas State Laws.
Product: Checking or savings account

My mother XXXX XXXX opened her account in 2010, she is now XXXX years old. She recently under my care and I checked all her fees that are deducted from her checking account, and we called the bank and confirmed that the XXXX XXXX monthly fees have been deducted from her account every month because the account had to have {$1000.00} or more in her account monthly. My mother does not recall agreeing to these fees because she has direct deposit, and she was told that there would be no monthly fees as long as there is a direct deposit of {$500.00} or more and in her case direct deposit of {$500.00} or more continued to this date. 

Total amount taken from her account is approximately {$3000.00}. 

Please help. 

Thank you, XXXX XXXX XXXX XXXX XXXX ( daughter )
Product: Credit reporting or other personal consumer reports

Experian stated the XXXX XXXX XXXX XXXX XXXX listed on my Experian Credit Report was properly investigated but this is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting. 
Please see the above inquiries as well. 


I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX - XXXX - This is inaccurately reporting on my report. 
XXXX - XXXX - This is inaccurately reporting on my report. 
XXXX - XXXX - This is inaccurately reporting on my report. 
XXXX XXXX - XXXX - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX  XXXX - I do not know what this is. Please investigate and remove from my report. 
XXXX  XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal account opened at XXXX XXXX on XX/XX/XXXX with personal loan account number XXXX an a personal account at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 3 Account Number : Source of dispute information : XXXX XXXX XXXXXXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 4 Account Number : XXXX Source of dispute information : XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 5 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 6 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 7 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute 8 Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 



Sincerely, XXXX XXXX
Product: Debt collection

I pulled up my credit report this afternoon to surprisingly see that NCA a/k/a National Credit Adjusters was reporting a collection on my credit reports since XX/XX/2020. NCA alleges that I owe them {$700.00}. I called them this afternoon to try to find out who they were and what they were trying to collect on. They told me they purchased the alleged debt The XXXX  XXXX XXXX  and that they mailed notice to the address that they received from the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have never lived at that address and I do not know where the original creditor would have even got that address either. I asked how I could get this off of my credit report and the lady told me that they do not delete. This is unfair and I do plan to take this matter up in court as they have never contacted me and have been reporting inaccurate/unvalidated information on all three of my credit reports to the detriment of my credit history unbeknownst to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, 2022 for {$670.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX from Advanced Collection Bureau has been calling since XXXX trying to collect on debt that is not valid. I have explained this to her on the phone and told her to send me the paperwork proving this debt. She is saying I owe {$11000.00} on a lease debt. I wanted to complain also about the repeated calls daily and using abusive language. She has said they is a court judgement. There is no judgement. I never received any letters/notifications from the company who told her I owe this debt. She has made false statements or representation of the wrong amount. There is no way I can owe {$11.00}, XXXX that is more than the whole lease. She has also contacted my roommate and my parents multiple times after they said we wo n't talk to you. They said we do n't know her and where she is. She also threatened to damage my credit for this invalid debt. She has damaged my credit when she has not sent any documentation to me to prove/invalidate the debt.
Product: Student loan

Have disputed two of five loans due to fraud by XXXX formerly XXXX XXXX XXXX. 
Navient associates have refused to look into my claim. Refuse to have me speak with a superior. Have refused to provide information about my loans to me. I have requested a copy of the alleged disbursed checks to see who has signed for them since I know I did not. The associates refused to assist me and told me to call back. 

I have called the Student Aid federal loan Ombudsman department to only be directed back to Navient. 

Apparently, there is a big scam or fraudulent activity being conducted by Navient and the U.S. department of Education. I would like to join in on a class action law suit since I have supporting documents. 

Two loans totalling {$4000.00} were allegedly taken out four days prior to me finishing my program. These loans were taken out by fraud. The school has been shut down since the State of California has found them to be in multiple violations of the laws.