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

I am not liable for this debit of {$830.00} with XXXX XXXX Account number XXXX. I do not have a contract with XXXX XXXX. 

I am not liable for this debit of {$4200.00} with PRO Collect, I do not have a contract with PRO COLLECT. 


I am writing to dispute the accuracy of information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ) Section 1681. I have recently reviewed my credit report and noticed several errors that need to be corrected on all credit companies ( XXXX, XXXX, XXXX ). 

The following inaccuracies have been identified on my credit report : 1. Incorrect Account Information : There are several accounts listed on my credit report that do not belong to me. I have never opened or used these accounts and would like them to be removed from my credit report.

2. Outdated Information : Some of the information on my credit report is outdated and no longer reflects my current financial situation. This includes accounts that have been closed or paid off but are still listed as active on my credit report.

3. Duplicate Entries : I have noticed that some accounts are listed multiple times on my credit report, resulting in an inaccurate representation of my credit history.

I request that you investigate these errors and make the necessary corrections to ensure that my credit report is accurate and up-to-date. Please provide me with a written response detailing the actions taken to resolve these disputes within the required timeframe as outlined in USC 1681.

I appreciate your prompt attention to this matter and look forward to receiving a response from you soon. Thank you for your cooperation. 

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

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked Experian, XXXX, and XXXX twice to remove these inquires because I have no idea where they came from
Product: Debt collection

I was paying on a payday loan from Approved Cash the best I could. I had yet to pay this month 's payment. I was waiting on my money to come in. I had told them that I would pay this month. I had not paid on the third, yet told them it would be after the third before I would pay. I received a voicemail on my phone saying if I did not pay it now she would charge me with fraud. She said that she would call the police and have me arrested that day. I ended up having to borrow the money from my mother to pay the loan off. I went to another store to pay and was told that she should have not left that message. I was afraid to call or contact her store even to tell her it was paid. I was afraid that even when I paid it off that she would have me arrested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both Experian and the XXXX XXXX and has not received a response to my compliant.
Product: Debt collection

Your company is attempting to collect a debt without a contract. According to XXXX5 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship.

I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws.

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC/Resurgent Capital Services has reported a negative account on my credit reports with XXXX, XXXX, and XXXX. I do not have a contract with them. I am not responsible for this debt. I have disputed this account a couple of times, and LVNV/Resurgent Capital Services refuse to delete this inaccurate information from reporting on my credit.The original creditor is XXXX who sold this to LVNC/Resurgent Capital Services. Account # : XXXX for {$190.00}. They have not properly validated this debt with a signed contract and my signature. This is unfair debt collection practices. I have no contract with this company. Delete off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed immediately
Product: Credit reporting or other personal consumer reports

2 accounts that should be off my credit report, they still showing up as delinquent. They should be off since XX/XX/2024. I paid off my XXXXXXXX XXXX  credit card since XXXX, it showed on my XXXX report that I have late payments from them.
Product: Money transfer, virtual currency, or money service

Wells Fargo had issue with there Computer system and i had wire money XXXX XXXX XXXX  to my Daughter and it was never deposit into her account. Each employee of the Wells Fargo are very rude and hang up and do not do their job the way they are to do it. i have an attorney on this case and no one well have a job at Wells Fargo and sending emails after they made a mistake on wire transfer and not getting the job done right away
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX  Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX   supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX  was rudeness talk to nasty with no concern nor caring! I spoke with XXXX who informed me that they sent XXXX  a letter asking them to remove the fraudulent inquiries from my credit report and they still refuse to do so. I spoke with Mrs. XXXX with XXXX fraud department XXXX XX/XX/XXXX at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX  that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX
Product: Payday loan

I had previously put in a complaint on this company and they agreed to remove this amount friend my credit yet today I received a letter asking for me to pay them back, It is illegal for them to contact anyone In Massachusetts for a pay day loan. Previous case number XXXX. The fact that 3 years later I am still fighting with thus company is ridiculous. I want this company to stop contacting me regarding this balance
Product: Debt or credit management

Applied for financing for dental work.. was approved up to {$3500.00} in which only {$2300.00} was used.. 
Loan remained in good standing not ever going past due. Till XX/XX/2024 remaining balance was {$200.00} when account was charged {$960.00} interest. I contacted Comenity/Bread and was told there was an interest free promotion that if not paid in time all interest would be applied ... ( It was never understood when applying for financing ).. I contacted Comenity/Bread Financial to resolve this issue even will to pay a portion of interest charged.. I was refused any help or solution and told by " XXXX '' rather rudely either pay or not that there was nothing he can do.. I was also told it is on my final few statements informing me that the promotions ending... however I signed up for paperless billing and never received a hard copy. I made all payment and checked balances via phone app. which never stated there was a promotion let alone i was going to end and interest would be applied. I have great credit score and my main concern if this account going to collections and affecting me in a negative way
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this with Equifax, this account was paid in full and settled. it is no longer in collections please see attachment.
Product: Credit reporting or other personal consumer reports

I have submtted written requests with all three credit bureaus regarding XXXX addresses I have never lived at. There was never any update and when I spoke to the representatives, they all said that they can no longer investigate and or remove.
Product: Credit card or prepaid card

1. Amex sends an email saying your card " will.be reinstated if you pay the balance. '' So i did.

2. The statement is misleading and dishonest because A. Your card will not necessarily be reinstated B. If a card is approved the credit limit will be different- again, this is not reinstatement 3. Company is overtly promising a benefit by email which in fact they do not at all provide. 

This is class action material. 
Amex has been fined for deceptive marketing in the past. 

NOWHERE in the unsolicited email does it counter the initial proposition. 

This is fraud and deceptive marketing.
Product: Debt collection

My information has been shared with others without my written permission which is in violation of my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

General Motors Leasing Company reported derogatory information on my credit report to the following bureaus : XXXX, XXXX, and XXXX. The information reported was late-payment for the month of XXXX. Ms. XXXX, the consumer, experienced a hardship due to an erroneous mistake from the IRS in the month of XXXX, whereas, the consumer 's account was locked by the XXXX XXXX XXXX XXXX XXXX : in this case, payment was not able to be processed. For the month of XXXX, the consumer requested a deferment due to the Pandemic and hardship faced. In the month of XXXX, the consumer did her best to make a payment, at which, GM allocated that payment for the month of XXXX. The consumer returned to work during at 40 % on Phase II on XX/XX/2020. GM reported that payment 30-days late ; after knowing, the current situation-at-hand dealing with the Pandemic and tough financial decision. The consumer has leased two cars from GM and has never been late! This is the first-time! The consumer was able to re-finance the car with her credit union at a lower-rate ; and, the balance owed on the account was paid-in-full on XXXX, XXXX. GM never considered the consumer 's financial-hardship for the month of XXXX, and, refused to take into consideration, the consumer 's commitment in leasing two-cars for the past six-years ; and has never been late! The consumer 's FICO score was decreased by 100-points! In addition, the consumer takes her credit-score very seriously ; and has been on-point with paying on time for the past three-years. Having this derogatory information removed with fairness and non-judgemental, will allowed the consumer to feel secure knowing, that GM has the consumer 's best interest at heart and, that her secret-clearance will not be severed by GM 's determination to not attempting to remove negative information on my credit-report during a hardship and devastating time due to the COVid-19 Pandemic.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8300.00}, {$14000.00}, {$27000.00}, {$2200.00}, {$0.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Debt collection

I was transported to the hospital in an ambulance in the summer of XXXX. Insurance was supposed to cover this, and I have been trying to fight this charge for years. It has now been SEVEN years and the collection remains on my account because they changed the year to XXXX. It was from the year of XXXX. I requested records from the hospital that I never received with exact pricing and dates.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from Experian and XXXX. 

Please delete the following account : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00}
Product: Debt collection

XX/XX/2017 {$450.00} medical debt for medical procedure performed in office by XXXX XXXX XXXX. This was paid by XXXX. I was never offered a payment plan for this debt, before it was sent to a collection agency. But, I am covered under the XXXX ( XXXX XXXX XXXX program ) This benefit protects me, by law from any medical cost such as : deductibles, co-payments, or any unpaid medical services not covered by insurance because of my low income. This debt is past statute of limitation and yet a debt collector is harassing me for an unpaid bill.
Product: Debt collection

I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX, I received a collections notification from a company called Hunter Warfield stating I owed XXXX XXXX XXXX {$450.00}. I spoke with a representative on XXXX via phone at Hunter Warfield to ask what this was for and was told it's my final bill. 

I never received a final bill and have an email thread confirming that XXXX XXXX XXXX never sent the final bill to me. They sent it directly to a collection agency without giving me the opportunity to pay for it. 

I believe this was intentionally done to hurt/harm my credit and future housing opportunities. 

Only {$58.00} of the bill is for utilities such as sewage, water, and pest control. The other {$400.00} is for removal of items left in the apartment which my deposit should partially cover.