23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I am writing to formally dispute and request verification of the debt reported by your company to the credit bureaus, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The details of the alleged debt are as follows : Creditor Name : Rent Recovery Solutions Reported Amount : {$3100.00} I do not recognize this debt and request that you provide the following information to verify its validity : - Detailed Account Information with my original signature - The original creditors name and contact information. 
- A complete breakdown of the debt amount, including any fees, interest, or other charges added. 
- Documentation showing that Rent Recovery Solutions has the legal authority to collect this debt in Louisiana - Copies of the original lease agreement, itemized charges, and any related documentation that substantiates the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone did a rental agreement in my name worth {$17000.00} in Washington DC! The company has contacted me and theyre working with lowers to get off my credit report!
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting & Notice of Civil Liability under 15 U.S. Code 1681o Dear XXXX, Equifax, and XXXX, I am writing to formally dispute inaccurate and misleading information contained in my credit reports issued by your agencies. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), I demand an immediate investigation and correction of the following erroneous items : Disputed Account ( s ) : All Credit reports will be attached and copies of my documents.

According to the FCRA, you are legally obligated to conduct a thorough and timely investigation of any disputed information. If the disputed information can not be verified, it must be removed from my credit report immediately. Furthermore, failure to comply with these legal obligations constitutes negligent noncompliance, for which you may be held civilly liable under 15 U.S. Code 1681o. This statute provides that a consumer affected by negligent violations is entitled to recover actual damages, court costs, and attorneys fees. 

To assist in your investigation, I have enclosed [ supporting documentation such as payment records, correspondence with creditors, identity theft reports, etc. ]. Please complete your investigation within the 30-day period mandated by the FCRA and provide me with written confirmation of your findings.

If you fail to comply with these obligations, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will consider pursuing legal action to recover damages for your negligent noncompliance.

Please respond in writing to confirm that this matter has been resolved. You may contact me at the address or phone number provided above should you require any further information. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copies of supporting documents, credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XXXX XXXX, XXXX {$10000.00} XXXX XXXX CU Opened : XXXX XXXX, XXXX {$3000.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - CARD SERVICE Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$890.00} Balance XXXX XXXX XXXX # XXXX {$250.00} Balance XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Balance XXXX XXXX XXXX # XXXX Balance {$11000.00} XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Balance {$290.00} Remove any addresses unrelated to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove any Name Variations other than XXXX XXXX I have included attachments,
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made against Experian on XX/XX/19. 

I got an email from Experian that alerted me to two hard credit inquiries that were not made by me. Their website clearly indicates that I can not make a dispute for inquiries online, and  directs me to call XXXX. Upon calling this ( and multiple other numbers listed as Experian customer service ), an automated menu walks me through a few basic menus that do not include any options to start a dispute, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how ridiculous this is, particularly since Experian is dealing with important information like personal credit.
Product: Debt collection

Hi, I was actually talking to a representative from Portfolio Recovery Associates  and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX FL XXXX ATTN : XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XX/XX/year> Dear Formal Compliant Team, XXXX XXXX XXXX NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX, VA XXXX ACCT Number XXXX : Dear Consumer Complaint Division : On [ XX/XX/year> ], I noticed two unauthorized transactions took place without my pre-authorization by the bank institution itself based on a XXXX $ deposit that was a direct deposit from a fund account that I manage. Unfortunately, I attempted to call multiple times and reach separate departments and the Fraud department denied me and continued to deny me of my request. According to UCC Code ARTICLE 41 right to Offset : Banks may have the right to offset accounts that are not settled but there was no permission based or request for permission and this took place while I was asleep. This right does not typically extend to moving funds without permission for other purposes. 
To resolve the problem, I would like a [ refund ( or ) repairs ( or ) an exchange ( or ) store credit ( or ) explain what you want the NAVY FEDERAL CREDIT UNION has done. I would like for full remediation of the Funds to the Account. I have enclosed copies of my [ records ( or ) receipts ( or ) guarantees ( or ) warranties ( or ) cancelled checks ( or ) contracts ( or ) model and serial numbers ( or ) other documents ] about this transaction. 
I look forward to your reply and a resolution to my problem. I will wait until [ give a date ] before I contact a consumer protection agency or get other help. 
Please contact me [ at the address on this letter ( or ) at the email on this letter ( or ) by phone at XXXX. 
Sincerely, XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account XXXX XXXX  XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after investigation. I would like these items immediately re-investigated and for good cause. XXXX XXXX  XXXX Account # XXXX These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. XXXX. The date you contacted the individual funishers of information. XXXX. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Also, this is a violation of HIPAA. This company also didnt provide me a HIPAA release that release my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Product: Checking or savings account

Today XXXX {$75.00} taken without warning. Only had a {$100.00} to my name. 

Different account XX/XX/XXXX {$71.00} also stolen without warning XXXX {$17.00} XX/XX/XXXX {$79.00} All taken without warning or even a letter received before or after.
Product: Credit card

My Barclays AA Mastercard information was stolen while at the XXXX XXXX traveling from XXXX back to Texas and was used by some criminal without my Card! my info was used later at several vendors in another state, ( Massachusetts ) & at airports and restaurants, and for merchandise purchases. 
I have been disputing these charges with Barclays for 2 months now, I was told it was taken care of only to find the charges remaining on my monthly bill and being charged interest for them! Barclays case # XXXX The irony is XXXX smaller fraud amounts were also reported and they immediately removed those! XXXX XXXX XXXX XXXX XXXX {$14.00} & {$9.00}! I have been told I am not responsible for these charges in writing yet the amounts remain on my statement and are reflected in my balance. 
I pay my total bill every month and never carry a balance so I keep seeing a balance! 
these XXXX fraud charges within the same state and location are still on my account! 
I have called on five occasions, and told the pending case is ongoing and then told it was removed & not taken care of. I have closed and reopened new cards and they keep forwarding the frauds! 
I have documentation of the date and person I spoke to at Barclays. I have now emailed several times as well. 
The remaining fraud charges : XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> {$110.00} XXXX XXXX XXXX. XX/XX/year> {$17.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/year>. {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. {$17.00} How do they charge without physical my card?
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CRE XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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

Id like to file another complaint against Discover again. It took them over 10 months to resolve a fraud case that occurred on my account. Initially, they wanted me to pay {$5600.00}, and I told them that Im refusing to pay that amount because Im protected under the fair credit bureau act, and the legal authorities all confirmed that I dont owe a dime to them because theyre the victims now. They would lie about my statements being over {$4000.00}, so I would draft that amount out of my XXXX XXXX account and pay them, that balance would never drop, and when I called them they said they never received a payment, but theyre using underhanded tactics to scam and try to get more money from me. They would send me fake emails saying thanks for paying {$84.00} when I never paid them that amount saying that it was probably auto draft payment, and thats a lie because I never enrolled in auto draft options. They would re-open a closed account and send me a replacement card after I filed for fraud, which made no logical sense saying that was the default option meaning that they would take my personal account and make changes without my permission or knowledge beforehand and make things up as we go. So, I would have to call back and close the account and reject the replacement card because I never consented to such illegal activities. It took them 10 months to resolve fraud activities on my account which had detrimental effects on my credit score. It went from good standing XXXX something down to XXXX because it took them that long to figure out the fraud activities on my account. Now theyre asking me to send a final payment of {$1600.00} which I would like to dispute because theyre disregarding the laws and rules here that protect consumers from any liabilities related to fraud. So, Im filing this complaint because ( 1 ) My credit score got messed up because it took them a long time to resolve a fraud claim ( 2 ) Theyre asking me to pay more money which Ive compensated them enough for in the past by forwarding over {$4000.00} that shouldve covered the balance that never dropped a few months ago, and theyre denying to recognize that Im protected under the law from fraud and any charges thatve accumulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting activities carried out by LexisNexis to credit reporting agencies regarding my personal credit information. It has come to my attention that LexisNexis has been reporting my credit information, despite the absence of any contractual agreement or permissible purpose for such reporting. This letter serves as a formal demand for LexisNexis to immediately cease and desist from reporting any information related to my credit profile to any credit reporting agencies. The basis of my dispute includes the following crucial points, which highlight violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Absence of Creditor Relationship : I want to assert that LexisNexis is not my creditor, nor have I ever entered into any contractual agreement that authorizes LexisNexis to report my credit information to any credit reporting agencies. As such, LexisNexis lacks the legal standing to furnish my credit information under the FCRA, FDCPA, and CFPA.

Lack of Permissible Purpose : Pursuant to the FCRA - 15 U.S.C. 1681b, consumer reporting agencies, like LexisNexis, may only furnish credit information to third parties with a permissible purpose. Similarly, the FDCPA - 15 U.S.C. 1692e, requires that any debt collector 's communication with a consumer must be for a lawful purpose. To my knowledge, LexisNexis has not been granted any permissible purpose to report my credit information, thereby rendering any such reporting a violation of the FCRA and FDCPA.

Violation of Consumer Financial Protection Act ( CFPA ) : By reporting my credit information without a permissible purpose and lacking any creditor relationship, LexisNexis is also in direct violation of the CFPA - 12 U.S.C. 5481-5603, which safeguards consumers from unauthorized disclosures and ensures the accuracy and fairness of information provided by consumer reporting agencies.

Based on the aforementioned violations, I demand that LexisNexis immediately cease and desist from reporting any information regarding my credit profile to any credit reporting agencies, as per the FCRA, FDCPA, and CFPA. Any further reporting without a lawful permissible purpose will be considered a willful violation of these statutes, subjecting LexisNexis to potential civil and criminal penalties.

Furthermore, I kindly request that LexisNexis contacts all credit reporting agencies to update the inaccurate and unauthorized credit information that has been previously furnished. This update should reflect the cessation of reporting and the removal of any negative impact on my credit profile.

Please be advised that I am keeping a comprehensive record of all communications concerning this matter, and I am prepared to take further legal action if necessary to protect my rights under the FCRA, FDCPA, CFPA, and other relevant statutes. 

I expect an expeditious and satisfactory resolution to this dispute letter, including the requested credit report update. Thank you for your immediate attention to this matter.