23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have new and updated information regarding complaint XXXX : Dunlap Gardiner , LLP provided false and misleading information by claiming that both their office and the management office has provided documentation to validate this alleged debt. I've received harassing documents from them in a continued attempt to collect an unvalidated debt, but I have NOT received what the FDCPA states I should receive when debt validation is requested.

Upon many requests, Dunlap Gardiner, LLP, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to provide proof of the existence of a LEGITIMATE ENFORCEABILITY AGREEMENT between myself and them. Being that there is no such agreement, they have no legal authority to request or demand payment from me. I have been misled, harassed, and taken advantage of by these companies joining together in deceiving me into paying these unfair and unethical annual assessments without any such legitimate agreement.
Product: Credit card or prepaid card

My credit card was charged by a restaurant for a purchase that was paid with cash. My credit card was given at the beginning to begin the tab. I disputed the matter with Citibank but they did not try to resolve it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for reporting an inaccurate collection account on my credit report, associated with XXXX XXXX XXXX and XXXX. TransUnion has failed to verify this account properly, as required under the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : The collection account in question contains inaccurate payment history and may be unverifiable. I have reason to believe that TransUnion did not conduct a reasonable or independent investigation into the accuracy of this account. Instead, TransUnion appears to have relied solely on information provided by the furnisher, which is insufficient under the FCRA.

TransUnion is obligated to ensure that the information it reports is accurate and verifiable. If TransUnion can not provide proof of the account 's legitimacy or accuracy, it must remove this account from my credit report within 5 days.

Specifically : Verification of Account : TransUnion has failed to provide sufficient evidence or documentation from XXXX XXXX XXXX to verify this account. 
Proper Investigation : TransUnion must conduct an independent investigation rather than parroting information from the furnisher. Failure to investigate properly violates the FCRA. 
Accuracy : The payment history reported on this account is inaccurate and is causing harm to my credit report. 
My Requests : That Transunion provides evidence verifying this collection account ( e.g., signed contracts, payment records, and detailed documentation from the original creditor ) within 5 days. 
That TransUnion removes this account from my credit report immediately if verification can not be completed or if the information is inaccurate. 
That XXXX ensures all future disputes are investigated thoroughly, rather than relying solely on the word of furnishers. 
Conclusion : TransUnion has a duty to protect consumers by ensuring that only accurate and verified information is reported on credit files. I am requesting that the CFPB holds XXXX accountable for failing to verify or remove this inaccurate account. XXXX must provide documentation or remove this account within 5 days to comply with its legal obligations. 


Sincerely, XXXX XXXX XXXX/XXXX/2025
Product: Checking or savings account

NAVY FEDERAL CREDIT UNION, Account # XXXX, Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account closed and reported under my name on XXXX XXXX XXXX  This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Product: Mortgage

I have sent a letter to them XXXX XXXX 2017 at XXXX XXXX and got nothing in return that is to Us Bank.. To have me please take me off of mitigation but got nothing in return from them but a bill for {$890.00} from them and they will only take the full amount that is all .They are the ones causeless all the pain they are going thought now. I have try to make a payment to them but they will only take the full amount in pay be cause of my low paying job at XXXX that ca n't be done this must end be for I miss one more payment to them..
Product: Debt collection

I had a XXXX XX/XX/2020 and wasnt notified that I owed the bill. I have a copy of a letter where the hospital states all financial obligations have been negated due to financial assistance program.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$210000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00}
Product: Bank account or service

I have attempted several times to correct bank of america reporting on my own. They are in violation of the FCRA 405. They are not reporting information XXXX accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting XXXX accurated dated and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The addresses listed above : Should be the only addresses on file for me any other addresses should not be on my credit file Ive lived at XXXX XXXX XXXX XXXX XXXX IL XXXX since XXXX and moved into XXXX XXXX XXXX XXXX  XXXX IL XXXX in XXXX from the previous address I want all addresses and accounts attached to the addresses not listed above removed from my report. I have reached out to these entities to correct this where they have refused. They are in violation of the FCRA and I should be paid as a remedy and also have the the addresses and accounts associated to them that are not listed above deleted from my credit file. If this is not remedied, I will be forced to pursue legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my personal information was leaked in a recent breach by XXXX, XXXX XXXX. I noticed several accounts that are reporting that aren't my account along with inquiries. By law i must allow permission for someone to go onto my credit file, which i didn't give. That is breaking the law of FCRA several sections. 
NOTICE OF INTENT TO FILE COMPLAINT Dear Sir/Madam, I am hereby sending you this letter as formal notice of my intent to file a complaint with the Federal Trade Commission ( FTC ). 
I notified you on two separate occasions, that the following account is not mine and needs to be deleted immediately. 
Name of creditor : 1. XXXX XXXX  2. MERCHANTS ADJ SERVICES You have ignored my two previous letters requesting deletion of this account. And it continues to remain in my credit report. The enclosed copies of letters and mailing receipts are proof that you have been delivered by registered mail both a dispute letter, dated XX/XX/2019, as well as a follow-up letter, dated XX/XX/2019. 
By law, you are required to respond to consumers credit report dispute letters within 30 days. Be advised that you are in violation of the Fair Credit Reporting Act, and that the Federal Trade Commission investigates complaints for failure to respond, yet you have failed to comply with these Federal regulations. 
I hereby demand that you immediately remove this account from my report. If you fail to do so, I will file a formal complaint with the Federal Trade Commission. Furthermore, I intend to file a lawsuit in civil court for damages, costs and attorney fees, should you continue in your deliberate disregard for the law. 
I hope that we will be able to resolve this problem, so that no further action will be required. 
Please send me an updated copy of my credit report. Also, send a copy of the revised report to each creditor that has received my credit report within the past six months, or the past two years for employment purposes. 
Sincerely,
Product: Consumer Loan

I have gone back and forth with this company about fraud accounts in my name, and it force be to file for Bankruptcy to try to clear this matter ... ....
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment with your bureau 's handling of my identity theft complaints. This situation involves not only the theft of my personal data but also underscores your bureau 's indifferent approach to addressing my case. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of these actions. Despite the seriousness of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding the status of my disputes has been minimal, and the responses I have received have been generic and unhelpful. 

This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I trusted to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you take measures to prevent such incidents in the future, as my personal information was clearly mishandled and abused. 

XXXX XXXX and XXXX XXXX Bankruptcy-dismissed Reference : XXXX.
Product: Credit reporting or other personal consumer reports

Hello. Im sorry, due to my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) were victims of fraud in excess of {$120000.00} and are still finding accounts. Police report is open and we know the suspects. Home Depot has denied the fraud claims. What a nightmare. We did not open any Home Depot Cards at all. We have not BEEN to Home Depot, if they checked their cameras they would NOT see us. We did not give anyone authorization to use our information to open a Home Depot card. I am receiving correspondence from Home Depot for XXXX XXXX AND XXXX XXXX. Home Depot states they need the complete Police Report to dispute the denial of the fraud claims. Report is NOT complete. The contractors that worked on my house ( the suspects that stole cards from our wallets and opened other accounts ) were to be paid through a Home Equity Line of Credit, but they stole that as well. They were never authorized to open a Home Depot card. They are pros at fraud ( look at their police records ). They make it look like these purchases were for materials for my house but I promise you they were NOT. And even if they were, the suspects opened the card fraudulently. 
Thank you XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a title loan from Title Max in XXXX, GA. I set up reoccurring payments and was never contacted about my loan being a problem. I came out late on a Saturday afternoon to find my car towed with no notice. While I was home. With all my belongings. I immediately called and they were closed long before the time of the tow.
Product: Debt collection

Lvnv funding is inaccurately reporting on my credit that {$960.00} is owed. I have never done business with this company. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian about the inaccurate information being reported on my credit profile. There was no resolution. I contacted the original company about the billing error they had on my account. This account has always been paid as agreed on time, this is a billing error made by XXXX and they are in violation Under 15 USC 1666b LAW. 

Experian is also in violation for not reporting 100 % accurate information on my credit profile. They did not help when i contacted them and now I am contacting your company to help with a resolution. The solution i am looking for is Experian to update XXXX account number XXXX to be updated to paid on time and no more late payment being reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below, which were created in my name without authorization due to a data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request the prompt removal of these entries from my credit report. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$2300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$730.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$2300.00} XXXX. XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed my Bank of America checking account in early XX/XX/2018. The final balance was a little less than {$90.00}. I requested for the money in that account to be applied to the balance on my credit card that I have with BofA. When it was not applied a few weeks later I called to ask what had happened. Customer service told me that a check had been sent out to my address. Well, I asked for it to be applied to my Mastercard because I moved. So I did not have access to that address. It is now almost 3 months later and I have not received the money. Customer service keeps giving me the run around and saying they are sending out new checks to my new address but I never receive anything.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Emergent Business Group XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Account ( XXXX ) number XXXX, XXXX, XXXX To Whom It XXXX Concern : This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I have attached the notice I received below. 
I am requesting validation and not simply verification of the alleged debt. Specifically, a copy of the Original Purchase Agreement, the agreement must be with the original creditor and signed by all parties involved, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry if being reported. I am disputing this debt ; you should not report it to the credit reporting agencies If you have already.

Finally, please note that I do not wish to receive further telephone calls or letters or any form of communication, this includes contacting family members or place of employment concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : - Defamation - Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely XXXX XXXX
Product: Checking or savings account

I signed up for XXXX XXXX phone service just for XXXX month. Their website and their stores advertise unlimited service for XXXX XXXXXXXX. However, the real price is XXXX XXXXXXXX. I went into a local store and purchased XXXX month of service for {$29.00} after pointing out to the sales clerk, that the advertisement clearly stated XXXX XXXXXXXX. I have since been able to restore my old phone service, which is much cheaper and I no longer need XXXX XXXX services. Per their terms and conditions, if you're not satisfied with your service, you can cancel and get a refund within XXXX days. I canceled my service on the XXXX day. The reps that I spoke with said that since I USED the service, I wasn't entitled to a refund. I let them know that it makes no sense to offer a guarantee, but only if you don't use the service. How do you know if it will work for you if you don't use it? So I cancelled my service after 6 days and XXXX XXXX is refusing to refund me, as I am entitled per their terms.
Product: Debt collection

Since XX/XX/2022 The XXXX XXXX and associates have been contacting my Mother, Uncle and my daughters telling them that a company has filed a legal complaint against me and asking my whereabouts. I do not know what this debt is about and i want them to stop contacting them
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XXXX XXXX, 2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. These are the unverified accounts : XXXX XXXX XXXX XXXX Balance Owed : {$25.00} ; XXXXXXXX XXXX Balance Owed : {$74000.00}.