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

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 1483 reporting standards and this account removed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX opened an account under my name, social security number etc without my consent. I got mail from XXXX saying congratulations on opening an account.I called fingerhut to close any account because I was not interested in their services. They first said I didn't have an account. I got another piece of mail with a card in it with my name. I called XXXX again and this time they told me it will be closed. Now it appeared in my credit report. I have the Experian app that said there was a change. XXXX appeared on my credit report. Experian never investigates or protects the consumer Experian refuses to remove it Experian refuses to remove my student loans that are more than 8 years
Product: Money transfer, virtual currency, or money service

I called credit karma since the beginning of XXXX my card was stolen and used on someones XXXX XXXX One amount XXXX  dollars and then XXXX dollars I call twice a week and the say they cant help me because its a third party transaction but I do not have a XXXX XXXX and XXXX XXXX will not help me because I am not a customer but credit karma will not file a dispute or help me in any way
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the fraud alert associated with my credit across XXXX, Experian, and XXXX.
Product: Debt collection

I recently discovered an account reporting on my credit report that I didn't know of for a cell phone contract in the amount of {$400.00}. No attempt was made to contact me in regards to the debt and the collection is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent MULTIPLE disputes trying to resolve the inaccurate information being reported! They are PURPOSELY reporting wrong names, addresses, incorrect information that is RUINING my credit report. Below are the dates i've tried to resolve this issue : XX/XX/22 XX/XX/22 XX/XX/22 XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer credit reports and there is inaccurate information ; inconsistent late payments reporting on accounts that I have never been late on. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. 

Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. 

The account in discrepancy is as follows : XXXX XXXX  Account # XXXX I have provided a screen shot of my XXXX Credit Bureaus Report XXXX the late payment discrepancies circled in red. 

If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with TransUnion on my behalf, with no response from TransUnion. also i disputed with TransUnion10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts List As Follow : XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXXXXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a follow up on a previous dispute for a dismissed bankruptcy thats was part of a fraudulent dispute with XXXX. 
LexisNexis had removed the Bankruptcy from my credit file XX/XX/XXXX case number XXXX. LexisNexis sent me paperwork showing the Bankruptcy was removed from their data base. I sent that letter to XXXX showing they had deleted and removed it. 
According to XXXX after receiving the letter I mailed to them certified showing the deletion. They did a re-investigation and sent me back the results. Saying they certified that LexisNexis is still reporting the Bankruptcy exist. 
So I called LexisNexis on XX/XX/XXXX and the representative at LexisNexis pulled up my file and emphatically said there nothing in the file showing a Bankruptcy in their data base. 
Under The FCRA stated on LexisNexis paperwork they sent to me XX/XX/XXXX case XXXX. It states you have the right to : REQUEST THAT LEXISNEXIS FURNISH NOTIFICATION OF THE DELETION OF DISPUTED INFORMATION OR A DISPUTE STATEMENT TO ANY PERSON SPECIFICALLY DESIGNATED BY YOU WHI HAS RECEIVED A LEXISNEXIS CONSUMER REPORT FOR EMPLOYMENT PURPOSES WITHIN THE PAST TWO YESRS, OR RECEIVED A LEXISNEXIS CONSUMER REPORT FOR ANY ORHER PURPOSE IN THE PAST XXXX MONTHS. 

So I sent LexisNexis a letter asking them to furnish XXXX notification that the bankruptcy was deleted and removed from their data based along with any other company that has requested a report or verification of this deleted Bankruptcy. 
The rep told me they dont do that. They have no way of sending a report to anyone showing it was removed. This is a violation under the Fair Credit Reporting Act. They are not honoring their own policy regarding what they state on there paperwork. Which I highlighted clear as day on the paperwork they sent me. 
XXXX and LexisNexis are breaking the law, and are violating my rights. 

I am enclosing the letter I sent to LexisNexis requesting they inform XXXX and any other company requesting my information of the deletion. Also the letter they sent me saying the Bankruptcy was dismissed. 

I will also be filing a complaint with the FTC and the Attorney General Office and the XXXX. Letting them know that LexisNexis and XXXX are not following there own policy under the FCRA. 

Last but not least I was on the phone with experian on XX/XX/XXXX for XXXX  minutes with the fraud department. Their representative told me even though they had the letter I sent them from LexisNexis stating the bankruptcy was removed. They were not honoring it. After another re-investigation, they certified that they have verified with LexisNexis that it still exist in their data base.
Product: Credit reporting or other personal consumer reports

Response to CFPB Complaint - XXXX Dear LCI Consumer Center, I am writing in response to your letter dated XX/XX/XXXX, concerning my dispute regarding the inaccurate and noncompliant reporting of a XXXX  XXXX bankruptcy on my XXXX credit report. 

Your response to my CFPB complaint asserts that you obtained the bankruptcy information from public records and conducted a reinvestigation to verify its accuracy. However, I believe your investigation falls short of the required standards outlined by the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines. 

Lack of Certified Compliance with XXXX XXXX Standards : According to XXXX XXXX guidelines, data furnishers are required to ensure the utmost accuracy and compliance when reporting consumer data. Your response fails to demonstrate that the reported bankruptcy information adheres to these standards. Specifically, you did not provide certified proof that you physically verified each data element for " maximum possible accuracy and compliance, '' as mandated by the XXXX XXXX XXXX XXXX ( XXXX ). 

Discrepancies Between XXXX  Records and LCI Reports : The information in your recordsspecifically the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdoes not align with the data in the XXXX report I obtained directly on XX/XX/XXXX. Moreover, there are significant discrepancies between your Consumer Disclosure Report ( XX/XX/XXXX ) and the LCI data, which highlight inaccuracies and inconsistencies in your reporting.

Failure to Establish Reporting Rights : You claim the information was obtained from publicly available sources ; however, no documentation was provided to prove you have the legal authority or explicit permission to furnish this information to XXXX. Reporting data without such authority violates the FCRA 's " permissible purpose '' requirements. 

Denial of Resolution Responsibility Your claim that LCI can not amend, delete, or remove publicly available information raises concerns. As the furnisher of this data, you are responsible for ensuring the information you report is accurate and compliant. Suggesting that I contact the XXXX Bankruptcy XXXX or XXXX shifts accountability away from LCI and does not satisfy your obligations under the FCRA. 

Inadequate Reinvestigation Despite your reinvestigation, my original dispute highlighted deficiencies in the reported information, including the absence of certified compliance and proper verification. LCI failed to address or correct these issues effectively.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

Early warning system has kept me from opening checking accounts. Under 15 U.S.C 1681section 604 a states a consumer reporting agency can not furnish a account without written instructions. I owe no money and they won't delete me from their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant against Equifax through your agency ( cfpb ) which Equifax responded as follows : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit www.myequifax.com. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products.The company writes results were mailed to me. 
However in their letter dated XX/XX/19, they ask that I send Information I already sent via certified mail as it relates to my identity. They also failed to address all of my concerns. None the less they updated my address information. How is it they can use the information I sent to update an address yet write in their correspondence they are unable to locate a credit file in their database with the information I provided.
Product: Debt collection

back in 2016 i had a repo, just recently 7 plus year later that same repo was reported again to my credit report destroying the hard work i did to build it back up and will be on my credit report for another 7 years. 

i was told that after 7 years the case is closed and after 5 years companies could not reach out to try and collect or file against me.
Product: Debt collection

I have been garnished for student loan payments since XXXX and have paid over XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Ascendium Education Solutions. I have requested my payment history due to contacting the Department of Education stating my loans are still in default. The XXXX emergency student loan payments have been extended until XX/XX/XXXX but I have been garnished again since early XXXX. I haven't been able to get information from them to tell me where my money is going. I want to get out of default and my XXXX has not done that for me. I want the money applied to my student loans. I participated with XXXX XXXX XXXX rehabilitation program and completed it last XXXX. I have no information on the next steps on my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these immediately : XXXX XXXX XXXXXXXX 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 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help all my Consumer Rights has been Violated. 

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and this account is unauthorized.

The following account must be blocked and deleted immediately : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer disputed Inaccurate information on credit profile with Credit bureaus & they haven't corrected the item in question. On XX/XX/XXXX I received notification that public record accounts were reporting in my name on my credit report. I've disputed this error with them and have since contacted this credit bureau numerous times via mail, phone, & online disputes and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well. I've sent certified letters U.S.P.S Postage mail to this Reporting Agency over the course of 6 month. Ive disputed these same items & the company has yet to provide a response within the 30 days allowed, provide any Validation of Record which I requested nor correct this costly error on my behalf which is affecting my opportunities to obtain credit. It even doesn't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I've written the US Northern district Courthouse & their response ( which  I can provide ) is that they do not report any activity with credit bureaus or third party companies. This letter was officially sealed and notarized by an agent representative of the Courthouse. So my concern is that if they aren't reporting any information how is that being retrieved This public record is only reporting on my Lexis Nexis report and not any other bureaus. I have suppressed my public file with them ( see attachment ) as well as placed a security freeze on my profile as well. Yet they've yet to correct this incorrect information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had sent {$65.00} on  XXXX   XXXX     2017  to  XXXX . When the beneficiary went to pick up the money they had told her that the order of her name did not match the order they had and she could not collect the money. When I found out of the problem I wen t to Wells Fargo we re I had sent the money from on the XXXX , XXXX , and the  XXXX  of  XXXX   2017  and every time I went they told me they could not do anything and this is not the first time this has happened.I would like to get this problem fixed since the money is really needed by the beneficiaries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Checking or savings account

On XXXX XXXX, XXXX  an amount of {$5000.00} was taken from my banking account with Bank of America. I did not make this transfer, nor was I ever notified it was being made. When I called Bank Of America they said someone created a seperate bank account, linked it to mine, and transferred {$5000.00} into their account. I called B of A customer service immediately and they asked me to answer my security question, when doing so they said the answers I provided were wrong. Then they proceeded to ask if i wanted to update the answers without asking for my social security number or any further information. This leads me to believe someone could have called and done the same thing, and gotten into my account that easily because their lack of protection. All of my personal information on file had been changed and I was NEVER notified. They were able to change all of my information take all of my money out of my account without ONE single call or notification from Bank of America.