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

I have sent many letters to Lexis Nexis and have not gotten a response other than Results from Reinvestigation and asked them to provide where they got this inaccurate information and they have not response with anything but continue to send me the same form to fill out and not response Asked for the report and got a response on from Lexis Nexis on XX/XX/XXXX. On that report includes a Bankruptcy which is inaccurate and also XXXXXXXX XXXX XXXX both are reporting different information that what is on the Lexis Nexis report where they continue to say they are verifying it and clearly but the reports all of them have different informationXXXX XXXX  deleted it immediately on XX/XX/XXXX Letters and responses XX/XX/XXXX certified received XX/XX/XXXX Sent a dispute to Lexis Nexis asking to verify this account with physical proof not a general respond. On XX/XX/XXXX I got a lettered dated XX/XX/XXXX saying it was verified and no other information provided as to where and how this was verified. SO I sent another letter to them on XX/XX/XXXX certified received on XX/XX/XXXX asking them to reinvestigate and give me the source of where they are verifying this information. I have contact the courthouse directly and they sent me a letter saying they do not verify so I would love to know how this is being reported and by who. Also how this can be different on Lexis Nexis, XXXX, XXXX ( which deleted it ) and XXXX. No response but a request form that I filled out on XX/XX/XXXX and mailed the copy and also email to the address provided in the documentation and even got a copy of the conformation they got it on XX/XX/XXXX attached here that included a copy of my current drivers license and copy of my social security card. Still no response to this from Lexis Nexis. Still no response from XXXX  or XXXX about investigation and where it comes from only that it is verify by Lexis Nexis and still all 3 have different information being reported. I have sent yet again the form filled out again to Lexis Nexis along with copies off all the letters and certified copies on XX/XX/XXXX that they got on XX/XX/XXXX. This is unacceptable and clearly shows inconsistent reporting along with not following the proper procedure to verify and report information on my account cause harm to my credit
Product: Credit reporting

XXXX Bank, New York and Company Credit Card failed to investigate complaint of incorrectly processed payment made and assessed {$52.00} in account fees in addition to incorrectly reporting derogatory payment information to credit reporting agencies. 
I was initially contacted via telephone on XXXX/XXXX/16, between XXXX and XXXX, by a representative of XXXX Bank. The representative told me my account was more than 30 days late ( online payment made on XXXX/XXXX/16 ). The representative told me the payment made was returned as " customer did not authorize payment '' I told the XXXX Bank representative this was a mistake, and requested this be investigated because I made the payment on-line, thus giving authorization for payment. The XXXX Bank representative demanded I make payment today and stated this payment activity will be reported to the credit bureaus because the payment is more than 30 days late. This was not true because the payment was due XXXX/XXXX/16 ( 3 days before ). Previous payments payment transactions were conducted in the same manner, online, deducting from the same bank account without issues. I contacted my bank ( XXXX XXXX XXXX, on XXXX/XXXX/16, XXXX XXXX representative confirmed no debit for XXXX Bank debited my account anytime in the Month of XXXX. Verification of payment made on XXXX/XXXX/16 ( 7 days before the due date ) is documented on XXXX Bank on-line account statement. Affirmation statement from my bank XXXX XXXX XXXX XXXX was provided to XXXX Bank verifying creditor did not process payment to account, consumer had available funds throughout the payment time-frame, and not stops and request to deny authorization was placed against XXXX Bank. I have contacted XXXX Bank XXXX additional times. I have been told by XXXX Bank 's customer and biling representative that account disputes take up to 60 days to process. However, XXXX Bank placed derogatory payment information about me to my credit bureau reporting file, without investigating the matter as consumer requested and not in accordance to XXXX Banks own dispute guidelines. 
XXXX Bank is practicing predatory and slanderous credit reporting. 
XXXX Bank violated the Fair Credit Reporting Act by : 1. Failing to ensure accuracy of accounting by following through with account dispute process in accordance to XXXX Bank 's stated and written dispute policy. Documentation in dispute never reviewed. 
2. Falsely submitting account information about a consumer to credit reporting agencies ( XXXX Bank has inaccurately reported the consumer account more than 30 days late. Account due date was XXXX/XXXX/16, representative first contacted consumer on XXXX/XXXX/16. No prior late payments on account ever ) 3. XXXX Bank exaggerated consumer account payment history to credit bureaus ( 30 days late vs 3 days late ) I am requesting derogatory and false information placed on my credit report by XXXX Bank be removed ; I am also requesting a federal law suit filed against XXXX Bank and it 's subsidiaries for violation of fair credit reporting act. 
Documentation will be submitted with complaint if attachments are allowed.
Product: Credit reporting

Transunion and XXXX will not remove inaccurate information from credit file. Filed disputes twice to remove inaccurate information on XXXX Account, remarks reflect Chapter XXXX Bankrupcty, in which I did not file bankrucptcy and there is no public recording of bankruptcy. I paid the auto loan in full and obtained proof of ownership and pink slip from the lendor ( XXXX ) However they will not remove from my credit reports.
Product: Checking or savings account

I am a XXXX  and I initially opened savings accounts for my XXXX  name with Investors Bank. These accounts were linked to my profile and I used to be able to make additional deposits to these accounts as necessary. Since citizens bank took over Investors Bank, I have XXXX visibility into these accounts, I do not receive statements, they are not linked to my profile and I can not make deposit. I dont have access to checking the balances, nothing! I have called citizens bank several times to try to understand whats going on. They eventually said they can not help. If I need any info about the accounts I need to visit a branch, which is a major inconvenience as there are no branches in my area. Essentially I can not keep track of these accounts, since citizens did not provide me with any details at all about the accounts. I am sure I do not speak just for myself, but for many folks who are unable to access a branch, maybe because of a XXXX or else, and to think that Citizens would not allow us to have access to online banking is nothing short of discrimination..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$26000.00}
Product: Debt collection

Dear XXXX Warner, I am writing in response to a summons I recently received concerning a lawsuit filed on behalf of RMF Asset Management , LLC regarding an alleged debt of {$950.00}. This communication serves as a formal dispute of the validity of this debt, which I have no knowledge of, and which I believe is a result of identity thefta situation supported by police reports and Federal Trade Commission documentation currently in my possession. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Failure to Provide Adequate Notice ( Section 809 ( a ) ) : The FDCPA requires that debt collectors provide consumers with a detailed written notice of the debt. This must include the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the validity of the debt within 30 days, the debt will be assumed valid by the debt collector. I have not received any such communication from you or XXXX XXXX  ( seller ), or the original creditor ( XXXX XXXX ), regarding this matter prior to the summons. 
Misrepresentation and Deception ( Section 807 ) : Pursuing collection activities without verifying that I am indeed the debtor, especially given my identity theft claims, constitutes a deceptive collection practice.

Unfair Practices ( Section 808 ) : Filing a lawsuit without sufficient notification and verification of the debt is an unfair practice under this section of the FDCPA.

Given these violations, and the serious impact of the alleged debt on my personal reputation and mental well-being, I am seeking an immediate dismissal of this unfounded lawsuit. The manner in which the summons was served has caused significant distress, shock to my family members, and damage to my reputation.

Claim for Damages : Due to the negligence demonstrated by RMF Asset Management , LLC/ Warner Law Firm in handling this matter, coupled with the emotional distress and reputational damage caused, I am seeking damages in the amount of {$1500.00}. This is in addition to the dismissal of the current case, which is based on what I believe to be a fraudulent claim linked to identity theft. 
I hereby demand that you provide written verification of this debt and furnish any documentation that links me to this obligation, taking into account my aforementioned identity theft situation. Should this case not be dismissed and the damages not be addressed, I will be forced to seek legal representation and will pursue all available legal remedies, including filing a complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau. 
Please respond in writing within 15 days from the date of this letter to confirm that these demands will be met. Failure to respond will result in further action from my side to protect my rights and seek redress for the grievances caused by these proceedings. 
Thank you for your immediate attention to this matter.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX I FILED A POLICE REPORT MIDLAND CREDIT MANAGEMENT XXXX XXXX FILED A POLICE REPORT XXXX  XXXX XXXX FILED A POLICE REPORT XXXXXXXX XXXX XXXX XXXX I FILED A REPORT XXXX XXXXXXXX XXXX FILED A POLICE REPORT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE CREDITORS VIOLATED MY RIGHTS UNDER 15 USC1681 SECTION 602 I HAVE THE RIGHTS TO PRIVACY 15 USC1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in clear violation of federal law!

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

DELETE this immediately!
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS VIOLATED MY PRIVACY RIGHTS AS WELL AS MY FAIR CREDIT REPORTING RIGHTS BY NOT HONORING MY REQUEST TO BLOCK XXXXXXXX XXXX FROM TRANSUNION CREDIT FILE! I never have written or verbal consent to have this account on credit file! I have asked TRANSUNION more than 5 days ago via FTC REPORT TO BLOCK THOSE ITEMS!
Product: Credit card

It's unreasonable that my history of XXXX  payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.
Product: Money transfer, virtual currency, or money service

My Coinbase, Inc. ( cryptocurrency ) account has been blocked/restricted since XX/XX/2019. Coinbase blocked/restricted my account because they say someone tried accessing the account from XXXX. I am still not able to this day to log into my account. I submitted a ticket requesting help with the issue on XX/XX/2019. The case number is # XXXX. Coinbase support requested from me to upload two documents proving my address in XXXX, TX. I uploaded an internet and electricity bill showing my address is XXXX XXXX XXXX XXXX, TX XXXX. Coinbase support responded to me on XX/XX/2019 stating my issue was going to be resolved in 5-7 business days but it could take longer. 17 business days have passed and I have yet to hear from them. I have called multiple times to ask them what is the issue or if they need more documentation in order to prove my residence but it has not helped. I have about {$4500.00} US dollars in different cryptocurrencies in that account. I have been trying to call but now it seems as if they automatically blocked my number and the call is hung up after saying that they have a lot of callers on the line. I need help and representation in order to retrieve my funds from that company. I did what was needed from my end in order to get my account unblocked but they are being unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX i dispute the following information that appeard on my XXXX report from XX/XX/XXXX : XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of XXXX XXXX is incorrect because the balance due on this account is {$0.00}. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$5400.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXXXXXX Collection with account # XXXX opened on
Product: Credit reporting or other personal consumer reports

My identity was stolen by my ex XXXX XXXX, she allows her new boyfriend to get a fake ID in my name however, my name was spelled wrong on the ID the dummy spelled my name XXXX XXXX and not XXXX XXXX. They use my information to get goods, services and loans, when I was made aware of this I was told how to lock my credit report so no one can use it. I filed a police report and advised the credit report agencies, that the account via Wells Fargo auto loan was a fraudulent. However, they never took it off my report so I saw it still on my credit report advise them and they saying that Wells Fargo said it was factual or something so they gave me their number I called them and advised them but still nothing has happened.
Product: Debt collection

In XX/XX/2019, I received a call from Security Credit Services SCS office notifying me that you are a collection agency and that I owned your office {$1500.00}. I informed the person on the phone that it was not account and that I need all the information that was used to open the account so that I could turn it over my local law enforcement Identity Theft department. I was told the information was on the way. 
During a review of my three Credit Reports, I noticed and collection item from Security Credit Services SCS for XXXX. On XX/XX/2019 I forward a certified express letter to Security Credit Services SCS addressed to the owner, Mr. XXXX XXXX XXXX XXXX requesting inform about their demand that I pay them XXXX so that I can file a report with my local police department. As of the date of this complaint on the date of the letter, I have not heard from Mr. XXXX or anyone from his company. Also, in my letter I requested that Security Credit Services SCS or anyone in their employment not call me about this matter. 
In an effort to circumvent federal law ( the Fair Credit Act ) Mr. XXXX company has forward my personal without my consent to XXXX XXXX XXXX to harass me and my family. XXXX is call my home and cell every day, even after I have informed them that is account is not mine. One call from XXXX XXXX, the person on the phone told my wife that If I did not call them back by the end of the day, hey was going for file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 {$45000.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefor exists XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries from your company sitting on my credit report, and theyve been dragging down my score for some time now.
Product: Debt collection

I was looking at my credit report tonight, through XXXX XXXX XXXX XXXX Tax Identity Monitoring and found a listing from XXXX XXXX XXXX in the amount of {$72.00}, opened XX/XX/XXXXand last reported on XX/XX/XXXX. I have no idea what this is from, as I have NEVER received any information about it over the phone, e-mail, or in the mail. I have read all kinds of complaints about this company. They are ruthless and unethical, even illegal. How can they still be in business?
Product: Checking or savings account

On XX/XX/2022, a person communicated via telephone posing as a representative of the Banco Popular de Puerto Rico, this person in the call indicated the first number of my debit card, for this reason I thought the call was reliable and Provide all of my personal and banking information including my address, social security, driver 's license number, my email, and all of my passwords. I realized that the call was fruitless when I couldn't access my accounts.
Product: Debt collection

Subject : Formal Complaint Regarding Unauthorized Debt Collection Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning an unrecognized debt being collected by a third-party agency. I have recently become aware of a collection account totaling {$200.00}, for which I have no knowledge or responsibility. 

**Key Points of the Complaint : ** 1. **Unrecognized Debt : ** The debt in question is linked to an address at which I have never resided. I had no knowledge of any transaction or obligation that could have led to the creation of this debt.

2. **Third-Party Involvement : ** The agency attempting to collect this debt is a third-party company with whom I have never entered into any agreement or contract. 
3. **Need for Verification : ** I have not been provided with adequate verification of the debt, as required by law, despite my lack of recognition of this financial obligation.

**Request for Action : ** I respectfully request the intervention of the Consumer Financial Protection Bureau to : - Ensure a thorough investigation into the legitimacy of this debt. 
- Require the collection agency to provide comprehensive proof of my alleged agreement and the origin of the debt. 
- Enact any measures necessary to correct inaccuracies in my credit report stemming from this issue. 

I trust that the CFPB will assist in resolving this matter promptly and justly. Thank you for your attention to this urgent issue. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXXXXXX Balance Owed : {$660.00}