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 investigation 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 systematic 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 own 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 Experians inaction violates Federal Law and my rights as a consumer. Problem accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted the credit reporting agency Torres Credit Service out of XXXX, PA that the only derogatory mark on my credit comes from. It 's a charge of {$140.00} from many years ago and I wanted to pay it off. When I called the company and gave my information they have no records of an account or my owing anything to them. I was going to pay it off to help my credit score but now there 's no way to pay it off if they do n't have any records so I would like to get it removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX My name is XXXX XXXX XXXX am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me at 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES ACT was allowing for consumer protection under the CARES act with creditor offering accomidations. I have on my XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX  Please delete/remove them asap.
Product: Credit card or prepaid card

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They continually have called my phone number sometimes till XXXX at night. They ask me for my personal information. Is it me they are speaking with, what is my address, etc. they would not give me any information about original creditor other than they are with Midland Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX Credit report " KOHLS/CAPONE '' ran THREE hard inquiries on my credit report on XXXX, XXXX, and XXXX. I HAD a Kohls credit card and I always paid it on time, but they closed my credit card account, because my credit score dropped. I NEVER REAPPLIED for a Kohls Credit card. I am begging you to please remove the 3 hard inquiries from ALL of my credit reports, because it is causing a negative impact on my credit report. The THREE HARD INQUIRIES HAVE were all ran within 2 weeks from each other. How is that even possible? PLEASE ****validate that this debt belongs to me and please also show me the original contract**** On XXXX-2021 I called the Kohls phone XXXX listed on the XXXX website ( XXXX ) XXXX to dispute the THREE hard INQUIRIES and I spoke with XXXX ( XXXX works at the credit department at kohls ) XXXX advise me to call this number XXXX to dispute the hard inquiries. I called the number XXXX advise XXXX and it is the XXXX phone number. I was not able to speak to a customer service associate. I called the KOHLS/CAPONE number again ( XXXX ) XXXX and I spoke to XXXX XXXX number " XXXX. '' I spoke to marlin and he advise my acount has been inactive XXXX advise he couldnt pull up any information regarding my credit being ran to open a Kohls credit card. ( I provided him with my social security number, name, phone number ) XXXX XXXX to call XXXX charge to get the best resolution XXXX. XXXX. XXXX. I called XXXX. XXXX. XXXX and I spoke with XXXXI.D number XXXX. XXXX was very dismissive and rude and told me I needed the FRAUD DEPARTMENT and transferred my call before I could ask a question. XXXX transferred my call and I spoke with XXXX-I.D XXXX XXXX and he advise he would have someone contact me, because he said my credit was never ran those dates and he didn't see that in his system. I have provided you with screenshots of the calls I made to the Kohls Capone number. The screenshots also show the hard inquries on my credit report from XXXX. A lot of these agents were rude and some of them hung up on me, when I asked them for there name. I believe the Kohls CapOne number has employees out of the country in XXXX, because the majority of the Representatives didnt speak XXXX well and there was a HUGE LANGUAGE BARRIER.. Pleasw contact me if you have any questions or concerns. XXXX XXXX XXXX Email : XXXX On XXXX XXXX XXXX XXXX XXXX XXXX having seen the screetshots i uploaded on the cfbp website that PROVED KOHLS HAD ran my credit and ruined my credit. She took no ownership and sent a lettwr requesting documents I already uploaded and she can view. She blamed it on capital one. My credit report says kohld ran 3 hard inquiries. Kolhs should figure out how to remove it from my credit report. I will upload my credit report.bon my credit report I actually have an account with capital one ( its fir a car ) and its an example that their name is listed when they run their credir.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Attempt : On XX/XX/XXXX, I mailed Experian at XXXX XXXX XXXX XXXX, TX XXXX, a notarized affidavit informing them that several accounts on my credit report were invalid and that 2 of the accounts did not belong to me. This letter was sent certified mail I asked them to verify the information and delete the invalid accounts. 

Experian sent an automated response via my application stating the accounts were indeed valid and belonged to me and that they would remain on my credit report. This was received on XX/XX/XXXX Second Attempt : I gather my full credit report and printed out a copy of my credit report with all 3 bureaus. I highlighted all the areas on my report that made the accounts invalid. I also wrote another letting asking them to provide me with a description of the method and investigation procedures for the accounts. I again, asked that they delete the invalid accounts. I mailed them all this information certified mail on XX/XX/XXXX Experian sent another automated response to my request and did not forward me the investigation information I requested which is a violation of the FCRA. this was received on XX/XX/XXXX Third Attempt : My main issue is with the one charged of account. Not only does this account report inaccurate information, but it also does not even belong to me. I sent a third letter again pointing out the inaccuracies in the report as well as asking them to provide me with documentation from the credit showing my signature to be obligated to pay the alleged charged-off account. 

As I have never signed an agreement with this company nor had an account with them, Experian was of course unable to provide me with this information. Instead, they updated the account by changing the date reported. This is another violation as they had previously confirmed this account was valid twice but on this third dispute, they found an error, and instead of acknowledging the other inaccuracies I pointed out and failed to provide me with proof that the account belongs to me, they update the account. 

I am making a final attempt to have them clear this matter up which is why I am filing this complaint. My next step will be a small claims suit against the company
Product: Debt collection

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year> regarding account LAST 4 # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE XXXX XXXX AS AUTH USER : SS # XXXX ACCT # XXXX.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there is a credit line that was opened XX/XX/year>. The balance for this account is XXXX XXXX I have never opened a credit line. This is fraudulent with that in mind I have attempted to not only reach out to this company ( XXXX XXXX XXXX, XXXX ) I have also attempted to simply dispute this credit line and prove that it was not me that opened it. I was never updated on this dispute nor given information in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT INFORMATION ON MY CREDIT REPORTS. I HAVE NOT EVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to file this report because I was denied from opening a credit card at XXXX today XX/XX/20 due to having accounts in negative standing. None of those accounts belong to me nor did I allow anyone to open these accounts in my name with my personal information. I have no idea who opened these accounts or how they got a hold of my information but I have already filed a police report. I did not benefit anything such as money, goods services or any other benefits from any of these accounts and I did not make any purchases or payments towards any of these accounts. I am not affiliated with any of these companies and I never gave them permission to access my credit information.
Product: Debt collection

They have called all my family members several times now saying they are trying to locate me to sign some papers and some members told they have a claim against me and i need to call them. They have my current address and phone number. They keep calling family trying to make me contact them. They also use other company names like XXXX  but the phone number belongs to orion.
Product: Credit card or prepaid card

I received a letter from Wells Fargo informing me I had applied for a credit card. I did not apply for a credit card. I called Wells Fargo and spoke with several representatives. I asked only that they not issue any card in my name. Instead, they sent me a letter telling me if I did not send them a notarized declaration that they would open the account. 

I have put fraud alerts on all three credit services. I have contacted 4 other banks/companies who also received applications in my name. They all froze the accounts or told me they would not issue the cards.

I believe Wells Fargo has a financial interest in opening as many accounts as possible, and this may very well be a scam in which they open accounts without the consent of the consumer. 

Thank you for whatever help you can offer.
Product: Credit card or prepaid card

After purchasing my home, I attempted to stop all junk mail addressed to previous residents. However, the USPS informed me that all third class mail ( credit card offers in this case ) would NOT be returned to sender when I marked them as such. 

Therefore, I called the companies directly and told them to remove all instances of my address from their mailing lists. I also contacted the XXXX  XXXX XXXX to file a complaint about the specific LLC that was clogging my mailbox with all of their offers from XXXX and Chase as I felt there could be fraudulent activity. 

Now after two years, the problem as grown. I am XXXX XXXX and have a dependent with XXXX XXXX XXXX. Often, important mailpieces are drowned in the trash coming from the harassment of the unwanted solicitations. 

Please help me learn how to stop this harassment. Each time the companies claim it will be 6-8 weeks, but I have documentation that it has stretched multiple years. I believe they have corporate policy to not ever stop such activity, or they have automated systems that send more mail than they can control. 

I am on all voluntary lists for eliminating direct marketing, but I feel they are harassing me by sending mail to previous owners/occupants. 

Thank you for any assistance you may provide.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card or prepaid card

Company is refusing to accept full payment of the account balance. All previous payments have been made via ACH bank transfer. The company is now refusing to process the payment via bank account and requiring me to use payment methods that will incur additional fees.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$950.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX INQUIRY : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the XXXX XXXX and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the XXXX XXXX end stating that XXXX, XXXX or Equifax would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( XXXX ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Received : XXXX Submitted for Investigation : XXXX Response from XXXX XXXX - Results : Unchanged Acct # XXXX XXXX XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX XXXX Submitted for XXXX Response from XXXX : XXXX - Results : Unchanged Letter # XXXX ( XXXX ) - XXXX WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY XXXX/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Rcvd :? XXXX Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Letter # XXXX ( EQUIFAX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX XXXX ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( Equifax ) Sent XXXX XXXX Rcvd : XXXX NO RESPONSE XXXX XXXX ( AFCU- {$1000.00} ) Certified Mail Ending in : XXXX ( Equifax ) Sent : XXXX Rcvd : XXXX XXXX RESPONSE Letter # XXXX : ( EQUIFAX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX XXXX ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX XXXX Letter # 1 : ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE Letter # XXXX : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023. The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. 

Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my XXXX XXXX with XXXX children to provide for and I'm still being punished for mistakes I made in my early XXXX XXXX. I have paid for many accounts to be deleted. 

I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of date 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. Thank you kindly for reading.