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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

Opened an account with XXXX XXXX in XXXX. The account was compromised fraudulently online with unauthorized charges and cash withdrawal from this card. Last payment date was XX/XX/XXXX. Portfolio bought this account 4 months later and now reports that they opened it in XX/XX/XXXX. They fraudulently increased the collection time by reporting at a much later date.
Product: Credit card

They sent me a letter containing printed statements on XX/XX/XXXX and on XX/XX/XXXX sent a letter stating that they had conducted an investigation and below are the findings. 1 ). previous charges and payments ae explained in detail by the billing statements sent separately 2 ). The Account was opened XX/XX/XXXX XXXX ). You provided up with identifying information As a Result of the above, the account and balance are considered valid.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity of my identity to the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts on my credit report that I didn't Open : 1. XXXX XXXX XXXX {$470.00} 2. XXXX XXXX {$590.00} 3. XXXX XXXX XXXX {$600.00} 4. XXXX XXXX XXXX {$480.00} All the other accounts on my credit report were open by me. But there was also a lot of hard Inquires that were not done by me that needs to come off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off balances are still showing on my Transunion & XXXX credit reports. 

An amount of {$160.00} from XXXX XXXX  was paid with a settlement as agreed upon by XXXX yet is still showing as due on both Transunion & XXXX. 

An amount of {$190.00} from XXXX XXXX is still showing due but was paid in full for {$190.00}. Still showing on both Transunion & XXXX. 

An amount of {$160.00} & {$150.00} from XXXX XXXX is still showing past due but was paid as part of a settlement as agreed upon by XXXX XXXX. Still showing {$160.00} & {$150.00} on XXXX & {$150.00} on XXXX & Transunion. 

An amount of {$240.00} from XXXX XXXX is still showing past due but was written off last month by XXXX XXXX but still shows on XXXX. 

I have not received the documents from the Collections Agencies as they said they have to mail them rather than email.
Product: Checking or savings account

For the last several months I contacted Wells Fargo bank including it's Executive customer service dept. several times. Last time I talked to them 2 days ago - on XX/XX/2019. The problem is the same. They refuse to unlock my online account without apparent reason. ID verification in the branch is not good for them anymore. They privet into my privacy more, asking to provide them with my personal information which has nothing to do with my ID or access to my account. Basically, the bank discriminatively ban me from my own account. Bank knowing it is acting unlawfully, refused to provide a written respond to my inquiry in regard to this ban.
Product: Debt collection

I sent Central Financial Control an letter on XX/XX/XXXX and on XX/XX/XXXX about a debt that showed up on my credit report. On that letter I requested that they validate the alleged debt due to me being unaware of any outstanding medical bills. In that I also as that they provide the breakdown of fees including any collection costs and medical charges. I asked that they please provide me a copy of my signature with the provider of services to release my medical information. On XX/XX/XXXX I received information from Central Financial Control stating that the services were for someone with the last name that is not mine. They stated that the services were rendered to someone that was uninsured. In that letter they stated that I was properly notified in which that has never happened. After receiving this letter I went directly to XXXX XXXX XXXX and provided them with a copy of my Id and Social. At that time they could not find any of my information at the facility. I also advised spoke to them about the 100 percent charity and they made me aware that the charity covers all bills owed past and present. I then contact XXXX XXXX again and advised them that I have been to the center and they could not find any of my information. They advised me that they would have a manager look into it. I also sent them a copy of my ID and Social security card to show that it was not me. On Today I received a response with a letter stating that they tried to contact me about the debt. The dates that are listed in the letter are incorrect as to I HAVE never received anything from them prior to XX/XX/XXXX. On the letter they state that they sent me a letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The date if XX/XX/XXXX was prior to the  alleged service date so how could I have received a letter? They also stated that there was a military Id card. I have never had an military ID card. So that information is also not correct. Again as I have prior stated this bill is fraud and due to Identity theft. Also the letter contradicts itself they advise me to contact XXXX Business office and in fact I have and they have told me more than one time that any medical bills that were against my name were reversed. As I stated prior I have sent the information with my id to them on more than one time. The Original creditor has already advised that this is not my information
Product: Debt collection

Please refer to complaint number XXXX. Please be advised that Resurgent Capital is hereby put on notice. Resurgent Capital Services L.P. whose business ID number is XXXX ( state of Mississippi ) and was incorporated in Delaware XX/XX/year>, whose general partner is XXXX XXXX XXXX at the address of XXXX XXXX # XXXX, XXXX, XXXX XXXX, who is a subsidiary of the Sherman Financial Group, XXXX. This entity ( or whatever living person ) states in fact that the account was originally with Capital XXXX and NOT with LVNV Funding or Resurgent Capital Services. The entity or living person also states that the account was previously charged off and states charge off does not satisfy a debt. What debt? The alleged debt was charged off with XXXX XXXX. This entity claim that the NEW OWNER has a right to collect the debt. There is NO AGREEMENT/CONTRACT between XXXX XXXX XXXX LVNV Funding or Resurgent Capital Services. As a matter of fact, XXXX uploaded a card member agreement that clearly stated XXXX XXXX on the agreement. The entity or living person states that with the PUCHASE of the Account that it obtained all the rights to collect and report the information to the consumer reporting agencies. No where in the agreement it states that XXXX XXXX WILL furnish my information to the consumer reporting agencies ( they assumed they had my permission ) nor does XXXX XXXX, XXXX XXXX, or Resurgent Capital Services have my written permission to furnish any information to a consumer reporting agency about me. Neither entity has provided a specific statute or code that states a consumer 's nonpublic personal information MUST BE FURNISHED TO A CONSUMER REPORTING AGENCY. The entity or living person states that bill statements are proof of verification in accordance with the FDCPA. The FDCPA clearly states that the debt collector must obtain verification of the debt or a judgement. the legal definition of VERIFICATION is a formal declaration ( affidavit of verification ) made in the presence of an authorized officer. No such VERIFICATION has been provided by XXXX XXXX. Bill statements ARE NOT proof of debt, refer to case law ( XXXX XXXX XXXX XXXX XXXX XXXX ). Please provide the audit trail as defined by 15 USC 44 between XXXX XXXX and XXXX XXXX, XXXX XXXX and Resurgent Capital Services, and XXXX XXXX and XXXX XXXX. Please provide the purchase agreement/forward flow agreement between XXXX XXXX and XXXX XXXX and assignment agreement/purchase agreement/forward flow agreement between LVNV Funding and Resurgent Capital Services XXXX Not only was this false information furnished without my written consent, but it was also furnished without my knowledge which is direct violation of 15 USC 1692g ( a ). Again, THIS ALLEGED DEBT IS DISPUTED. The furnishing of this FALSE and INACCURATE information to my consumer report is an attempt to collect a debt which is a direct violation of 15 USC 1692g ( b ). I have been emotionally distressed and was recently denied a line of credit.
Product: Credit reporting or other personal consumer reports

Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being open but also as having a past due balance of {$2900.00}. 

This is a violation of the FCRA and is in violation of the requisite METRO2.

Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, or accurate.

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards. This account will be removed upon completion. 


The XXXX XXXX XXXX XXXX XXXX, has charged me for a third-party debt that is fraudulent and unauthorized. XXXX XXXX XXXX XXXX made fraudulent charges on my credit report. This company created a fictitious apartment ledger without a letterhead or any documentation with my name attached, stating that I rented an apartment unit from XX/XX/XXXX until XX/XX/XXXX, which is fraudulent. They proceeded to attempt to open an XXXX account in my name. My attorney contacted them in XX/XX/XXXX to ensure they corrected the issue. I turned in a 60-day notice in XX/XX/XXXX and received at least two letters from the acting landlord in XX/XX/XXXX. XXXX has since gone back and forth about the authenticity of the letters, stating they didnt want to honor the letter since their employee was terminated. XXXX also alleged they did not receive documentation from my attorney. They contradicted themselves by claiming that I lived there until XX/XX/XXXX, which is false, and did not turn in keys and had extensive damage to their apartment unit, and then they received their keys. There were no damages to the unit, and I owe no cleaning fees. In addition to the fees being unauthorized and fraudulent, the company is listed as a collection/charge-off on my credit report. They are listing the account as open, which is incorrect. The account also has late payments, which makes no sense, and a balance, which is against the FCRA laws. I never received a 1099-C. The account has no outstanding balance because I moved out and left the account in good standing, and the charges are fraud. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Acct # XXXX XXXX XXXX XXXX my credit limit was {$700.00} I was charge an additional XXXX after account was closed also same place Acct # XXXX my credit limit was {$400.00} I was charge another {$300.00} after account was closed I have rights 15 U.S.C 1681s 2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I need both of these removed
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Fraudulent Accounts on My Credit Report To Whom It XXXX Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. 

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is impossible for me to have opened or managed these accounts during that time. 

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation. 

I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts.

Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report.

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights.

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me.

I trust you will take this situation seriously and act accordingly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company, SOURCE RECEIVABLES MANAGEMENT, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Product: Debt collection

On XX/XX/2024 I received notification that a collection was added on my credit file. It is for {$3400.00} for an apartment company. I have never applied for an apartment or signed a lease for XXXX. I never gave permission or signed a contract with any company. I never received any letter, email or phone call from ANY company. This is a result of identity theft, and losing my bag with my personal information years prior. I have disputed with the credit companies to validate the debt and have not received any validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to take off my fraud alerts
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

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

After reviewing my credit report today I noticed that here are two reporting on my credit report for the same auto loan from 2010. This is inaccurate there was only one lien taken out on the vecihle went I returned back to the dealership after numerous mechanical issues I expected with the dealer. The lien was paid and should only be reported on my credit report once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax XXXX  are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX XXXX  - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX XX/XX/year> - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.