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

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Portfolio Recovery. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00}. The Account Opened is Portfolio Recovery Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

Dear CFPB, I am writing to inform you of a dispute I have with my credit report. I have identified inaccurate information on my report from ( XXXX, XXXX, and XXXX ). 

Dear CREDENCE RESOURCE MANAGE, I, XXXX XXXX XXXX am disputing all debts owed. I am also writing you this letter to revoke all means of communication with me via email, text, mail, calls. 

CREDENCE RESOURCE MANAGE Collection Agency did not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on your consumer report.

I have not have not been given the opportunity to dispute account according to law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is currently violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law, CREDENCE RESOURCE MANAGE is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Also, I request that this debt be validated by furnishing my original purchase agreement between CREDENCE RESOURCE MANAGE And the original creditor. I am also requesting CREDENCE RESOURCE MANAGE their licensure and bond to collect this debt from me. 


I request that ( XXXX, XXXX, and XXXX ) investigate this dispute and remove or correct the inaccurate information within 30 days. 
Thank you for your time and assistance in this matter. 
Sincerely, XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I never benefitted from these items on my credit report that have resulted from fraud. I have already reported these to the Federal Trade Commission, but they are still appearing from my report. This is causing me immense XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified XXXXispute Letter to Transunion XXXX XXXX # XXXX XXXX and it was received on XXXX XXXX XXXX XXXX days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the covid19 pandemic i was trying to apply for a mortgage forbearance program with my mortgage company.after several attempts by my wife my mortgage company kept giving her the run around.she was informed that since the mortgage was in my name only i would have to call or give permission for her to speak on my behalf which i did at this point we where almost 1 month behind she was told since wr where applying for a forbearance that the 3 months where going to be moved towards the end of our mortgage it wouldn't be a problem then i went to lease a car for my daughter and i was informed that my credit score dropped by 100 points and i checked my experian credit report to find i was marked 2 months behind on my mortgage i imeaditly payed. To bring it current i called XXXX XXXX XXXX was told my score would go back to my original score but till this day it hasn't but my main concern is all my credit card companies dropped my credit substantially in a time of a pandemic and state of emergency without any prior notice i please ask that my credit rating be restored and all my available credit be reinstated since i never defaulted or was late with payments.p.s is it even legal i know it wasn't humanly moral thank you in advance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company Union Pacific Mortgage closed their doors abruptly. They turned over payment history to XXXX. I paid Union Pacific Mortgage through their company all the way to XXXX. Then started making payments to Mr. Cooper/ Nation Star in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, Nation Star reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX XXXX XXXXXXXX. I haven't been with this company since before the pandemic started in XXXX 

On top of that, Mr.Cooper/Nation Star is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.
Product: Money transfer, virtual currency, or money service

I Am Writing to Formally Express My Concerns Regarding Zelles Handling of Disputes, Particular in Light of The Recent CFPB Lawsuit Highlighting Significant Issues With The Platform. Despite Using Zelle Numerous Time and Reporting Discrepancies, My Financial Institution and Zelle Failed to Investigate My Claims Adequately. They Informed Me That Recovering Lost Funds was Impossible and That Tracking These Transactions was Unfeasible. The CFPBs Findings Indicate That Zelle Not Only Neglected to Protect Consumers But Has Also Allowed Repeat Offenders to Exploit the System, Leaving Users Vulnerable to Scams. This Lack of Accountability and Transparency is Unacceptable and Raises Serious Concerns About Consumer Safety.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, TransUnion, XXXX, and XXXX XXXX ( commonly known as XXXX XXXX ) for failing to properly investigate my disputes regarding inaccuracies in my credit report and the refund of my money. Despite my detailed submissions, XXXX, XXXX repeatedly responds within XXXX hours claiming the account is accurate, without providing any refund or evidence of a thorough investigation. Similarly, XXXX, TransUnion, and XXXX have failed to conduct reasonable investigations into my disputes, violating their obligations under federal law. 

This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of consumer disputes. Additionally, Experians actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

I respectfully request that the CFPB take immediate action to ensure that all parties involvedXXXX, TransUnion, XXXX, and XXXX, Inc.comply with federal law. They must provide clear proof of a reasonable investigation into my disputes and rectify the issues promptly.
Product: Credit reporting or other personal consumer reports

Experian have failed to fulfill it legal obligations. Under the fair credit reporting act. " FCRA '' to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolve. The consumer financial protection bureau " XXXX '' has recently file a lost suit against experience, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notified consumer of disputed outcome. These failures align with me experience, were experience has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correct action to remove are amend the disputed account, as experience 's inaction violate federal law and my rights as a consumer.
Product: Debt collection

This complaint is against debt collection agency Radius Global Solutions for Fair Debt Collection Practices Act violations as it relates to initial written communication.
Product: Debt collection

I offered to pay the amount but they refused to remove it from my credit report. Theres no benefit to paying it if they do not remove it. They do not think they have to remove it if its Paid. 

Account resolution Corp XXXX. XXXX XXXX XXXX mo XXXX XXXX
Product: Debt collection

I was repeatedly called by Portfolio recovery over XXXX times in a 10 year period for a debt that hadnt been on my credit report for at least that long. I asked for them to stop on multiple occasions which they did not. 
They never sent me anything in writing notifying me of what the debt was but refused to speak to me the first several times without reading a full disclaimer saying this is an attempt to collect a debt and any information we get from you will be used to collect that debt. There was no legal debt. They used this to intimidate and proceed with threats. 

The debt no longer existed by the time PR got it. They bought it after its removal from my credit report and continued to call me not just multiple times a day but multiple times a week. Their purchase is not my problem nor responsibility. 

They will say they have stopped calling and that is a completely unacceptable response. They stopped because I took action and would not have stopped otherwise. The damage is done and they need to be held accountable. 
This was made illegal in NY to after 2022. They continued well after that. 
They called XXXX times. I am contacting the AG.
Product: Payday loan, title loan, or personal loan

1.I have never had an account with this company REGIONAL ACCEPTANCE CORP , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONAL ACCEPTANCE CORP the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported by TransUnion XX/XX/2018, Got notified by XXXX XXXX an inquiry by XXXX was made using my identity. I am kindly contacting you because I did not personally make or authorize this inquiry. I contacted XXXX and they advised me to follow instructions on website and submit a request to have this hard inquiry deleted from my credit information. Thanks in advance
Product: Debt collection

I XXXX XXXX claim that a company known as USA Funds , Inc. has been for a great deal of time tried to collect a debt that may no longer be valid. The referenced collections state that the debt service date to be 1998. If these debts were in fact educational loans, they would have been backed by guarantee with the U.S. Department of Education. 

I claim that USA Funds, Inc. acquired these debts from a debt pool system, and that the enforcement date can no longer be valid by California laws. The only method in which these loans would be valid is by a guarantee to the U.S. Department of Education. 
USA Funds , Inc. state that one of their options is to assign the listed student loans to the U. S. Department of Education. If that were true that USA Funds Inc. could, then I advise them to do so. The attached letter is in violation of the Fair Debt Collection Practices Act based upon the following facts that the attached letter even stipulates : LENDER : XXXX XXXX XXXX XXXX - This means that the loans were securitized and then ownership was fractionalized. USA Funds Inc. has no skin in the game other than to use my credit history hostage, they have no assigned right to ownership from any f the fractionalized owners of the debts that were securitized, and for USA Funds Inc. to take a position that they can take legal action where they have zero chain of ownership or assignment of authority is not only an FDCPA violation, but a violation of my civil rights as a member of the XXXX XXXX XXXX. 

I DEMAND THE CFPB AND THE FTC PURSUE USA FUNDS INC FOR MY FDCPA AND CIVIL RIGHTS VIOLATIONS AS MANDATED BY FEDERAL GUIDELINES!!! 
The attached letter if full of abusive threats to me as a person and my own credit history. USA Funds Inc. will be sued if they persist with these threats and if they do not purge my complete file immediately. This company is nothing more than XXXX of XXXX of collection agencies nationwide that abuse the system and due process as mandated under my protected legal and constitutional rights. 

This letter is proof that these loans were securitized through a third party investor. USA Funds Inc. has destroyed my personal credit on debts that are no longer valid. I will proceed with a federal lawsuit against USA Funds Inc. if they can not validate a legal collection process. 

I demand that a letter of release be submitted within 30 days, and that all illegal collection processes cease immediately, along with the deletion of all accounts from each pertinent credit bureau.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXgelhardt v. Gravens ( mo ) 281 XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX {$36000.00}, XXXX XXXXXXXX XXXX  balance {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO HOME MORTGAGE XXXX XXXX 2021, Open/Never Late. Comment section : COMPLETED INVESTIGATION OF FCRA DISPUTE - CONSUMER DISAGREES. This caused my credit report to drop 5 points. I did not initiate a FCRA dispute. False information.
Product: Credit card or prepaid card

I tried to transfer balance {$8000.00} from Discover credit card to XXXX XXXXXXXX on XXXX XX/XX/2022. After 3 or 4 days Discover showing my payment was posted. When i checked my payment on XXXX XXXX, I did not find any payment came from Discover. I told Discover I have not received any amount. 
Then Discover opened a case, and I told them I want do dispute that if payment is not posted. They told me ok. In XXXX Doscover told payment has not cashed out then they resent the checque to XXXX XXXX, still I have not received any amount. I called to XXXX XXXX  to find out any amount came from Discover, XXXX XXXX said no amount found. 
Then I called Discover to find what's going on my payment. On XXXX Discover opened a case to dispute and informed me they will adjust my payment to my account. And I saw {$8000.00} adjusted to Discover. 
And they told me it's for temporary, if they found payment posted they will take {$8000.00} from my account. 
Today XXXX XXXX Discover emaild me that " XXXX XXXX has informed us the payment has posted '' But still I have not received that amount. I talked to Discover they told me I have to talk XXXX XXXXXXXX I already talked to XXXX XXXX they told me there is no such investigation going on my account with Discover. And they have not received any amount from Discover. 
Discover telling me XXXX XXXX told them payment posted But XXXX XXXX telling me there is no such statement like that. 
Discover already charged {$8000.00} Please I would like to complain about Discover, they are playing with me and don't give me enough information which I asked .likewise how XXXX XXXXXXXX told u, how they received, etc. 
Currently I am serving XXXX military XXXX station I can't take this pain anymore from Discover They are not fixing my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : US DEPT ED XXXX XXXX : {$3800.00} XXXX  XXXX Balance : {$430.00} Chapter XXXX bankruptcy discharged Reference # : XXXX Asset Amount : {$0.00} XXXX  XXXX XXXX Inquired oXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX XXXX, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( XXXX ), I request these items be blocked from my credit report. Additionally, under XXXX XXXX XXXX XXXX ( protection of personally identifiable information ) and XXXX XXXX XXXX XXXX ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
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. I ask XXXX, XXXX, and Equifax to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX  Account # XXXX Reason : Account is fraudulent AccountName : XXXX Account # XXXX Reason : Account is fraudulent Account Name : XXXX Account # XXXX Reason : Account is fraudulent. Account Name : XXXX XXXX XXXX Account # XXXX Reason : Account is fraudulent.