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

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of this inaccurate and unverified information from my credit report : Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On numerous occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and upsetting my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening as quickly as time permits. I generously demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and trustworthiness of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$84.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Account was charged for over {$6700.00} by to merchants XXXX XXXX and XXXX XXXX. I have never done business with either merchant. I filed a report as soon as I noticed these transactions and claim was denied. I went to the branch to further provide information for the claim as the information on the documentation was incorrect. I am not sure what else to do here.
Product: Debt collection

I have s ent Nationwide Recovery Services l etters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!
Product: Debt collection

I was the victim of XXXX and financial exploitation of a XXXX XXXX and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX XXXX and these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Debt collection

Hello, I have been paying a law firm ( D Scott Carruthers ) out of XXXXXXXX CA that told me they were collecting my debt on behalf of the department of education for the past 4 years.  Ive paid them {$300.00} a month, totaling thousands of dollars just to find out they are a fraud, and now the department of education is trying to garnish my wages from work and when I confronted the law firm to send me a breakdown of all of my past payments the representative I usually deal with got very aggressive and mean and told me Im tired of your case anyways XXXX and hung up on me. I know they are fraudulent because I communicated with the department of education and they confirmed the law firm has no association with them. They have been terrible to me, they have threatened me when I dont pay, theyve threatened my family, called my job and embarrassed me. Its been a horrible experience. Please help me make sure this doesnt happen to anyone else and hopefully I can work toward getting my money back from them.
Product: Money transfer, virtual currency, or money service

Complaining about cashapp due to insecure customer services and unfair practices which violate the consumer financial protections act cash app failed tot take timely and effective measures to prevent and address fraud on their platform. Leaving my account unprotected
Product: Debt collection

Back in XXXX I was sent a letter and emails from XXXX  letting me know they had a breach and that my information was part of the breach. As a result I added my name to the lawsuit that was available and they also offered me security software. Fast Forward to XXXX I wanted to get a home and when the mortgage company pulled my credit they noticed several loans that I had not requested nor opened on my credit. All of them between XXXX and XXXX. I then hired a company called XXXX XXXX XXXX or XXXX XXXX  to help me fix my credit. I did not file a police report because It would have done no good. They cleaned my credit and removed the accounts except for one. XXXX XXXX - Acct # XXXX opened on XX/XX/XXXX for XXXX. I also added a fraud note on all three credit bureaus to prevent anyone from using my credit. My credit is in good standing now except for this.I guess now Ad Astra owns this account and they are colleting on it. I DO NOT OWN THIS LOAN, NOR DID I OPEN IT. I have spoken to them and I have also tried to dispute the accounts on All Credit Bureaus and they all refuse to listen or to remove the account. Ad Astra finally sent me a letter in which they ask me to send them an FTC Identity theft report which I did. But today I received notice from XXXX  where they closed my dispute as completed and nothing changed. I need this removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a collection - adverse account on my credit report on the behalf of XXXX XXXX XXXX. They state that XXXX XXXX XXXX deposited money into my account on XX/XX/XXXX in a checking account that I have opened since XX/XX/XXXX. They state that they deposited the money but could not get payment. That is not true!! Additionally, in XX/XX/XXXX someone filed taxes using my SS #. The IRS has since on annual basis issued me a pin to file taxes since they found my identity to be stolen. XXXX XXXX has never contacted me much less placed money in my account. There has n't even be an attempt to withdraw funds from my account or I would have definitely have addressed it. XXXX now refuses to provide proof of funds deposited into my account. XXXX XXXX XXXX states they have no information to give and they even have an incorrect email address for me. I need proof of the deposits and the attempts they took to withdraw the repayment of the loan through my checking account. If they ca n't provide proof it needs to be removed from credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedure within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : Account Name and Account Number : XXXX XXXX XXXXXXXX I kindly request that you provide a full description of the procedure used to investigate and verify the accuracy of this account. If you are unable to delete this account immediately, please furnish the required information detailing your investigation and verification processes. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I sent a payment of XXXX to Barclays Bank Miles and More Master Card it was taken from my XXXX  checking account but never credited to my Barclays account. Despite sending proof of withdrawal from XXXX along a with custom letter from XXXX XXXX  with tracking number. Barclays bank refuses to acknowledge payment I have made four phone calls to customer representatives and service managers sent two letters showing proof of withdrawal from XXXX and it is now three months with no response by letter I am told to call but when I call, I get the same run around and no action despite having verifiable proof, the representatives have no direct phone line, no email and refuse to accept any common sense solution. other then to tell me mail everything in and customer service will look into it.
Product: Debt collection

I have a few collection agencies reporting debt I do not owe and is not mine. Iv never been contacted by phone or mail from any of these companies about anything. I would like them removed.
Product: Credit reporting

Equifax is reporting for XXXX bank on my credit report and I was avictim of identity theft and proven by the police. they are also reporting me as a authorized user to an account I never had with XXXX. The account shows me as an authorized user. I have never given anyone permission to add me as a authorized user. They nor Equifax has any written proof. This is a outright VIOLATION OF SECTION 609 AND 611A OF THE FCRA. EQUIFAX IS ALSO REPORTING THIS TWICE ON MY FILE! ILLEGAL
Product: Checking or savings account

On XXXX XX/XX/year> a friend of mine posted on XXXX that she was selling items because her uncle was going to a long term care facility. I spoke to her on XXXXXXXX XXXX and decided to purchase a 10x20 dog kennel. I sent the money via XXXX through my bank XXXX XXXX. I received a txt message an hour later from my friend XXXX and it turns out her XXXX was hacked and it was a scam. I called XXXX XXXX and they said they would not be able to get my {$200.00} back.
Product: Checking or savings account

I tried opening and account online around XX/XX/XXXX and was denied. Then around XX/XX/XXXX I started receiving mail from Wells Fargo with odd names on them. Even received a few with my maiden name on them. I called the bank and reported this because I know to open accounts my credit has to be ran and while speaking with the representative noticed that the info used to Create the accounts wasnt even correct. They had my first name with my maiden name ( Ive been married for years ), and also had my year of birth XXXX number off. The email Was also changed to something I didnt recognize. She could not locate where the accounts were created so she routed me to the fraud department where I created a case. They told me the account was closed immediately and recommended I call credit bureau and fraud alert my social, so I did. The bank said they would get back to me within 7 days. I waited and no response from anyone regarding the situation. I called back and left messages and still no response. In XX/XX/XXXX I was scrolling through my old email and noticed I was receiving numerous emails about my wells Fargo account changes. I called wells Fargo again only to find out 2 more accounts were opened. I spoke with fraud department again and created a case. I asked numerous times how can accounts still be getting created with a fraud case open and alert of my social. The lady has no answer but assured me the current two accounts would be closed. I too it upon myself to look up the codes on the account numbers and noticed the accounts were being created around Nevada area. I live in North Carolina. I dont understand how several accounts can be open with my social but when I tried originally, it denied me. To this day I still receive mail with random names from Wells Fargo.
Product: Credit card or prepaid card

On XX/XX/2022, I reported a mistake in my balance. XXXX employees have told me that hundreds of cardholders have had their cash advances doubled, mistakenly, on their balances. That is, they don't receive double the money, they're just charged double the amount that they received. I called again today and the employee acknowledged that there is no evidence that I received double the amount, but that they are still " working on the case. '' I disputed this with the credit bureaus and XXXX responded that the information that they reported is accurate. So, while they acknowledge on the phone to me that it's inaccurate and they're working on fixing it, they are reporting inaccurate information and defending it. 

This harms my credit and the credit of everyone else that is experiencing this. And it's still going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. US DEPT ED Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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 cfpb 's findings indicate that zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

-On XX/XX/19 Lockhart , Morris & Montgomery illegally obtained and placed my account in a collection status. I required this company to validate a debt and they failed to comply within a legal time period. Furthermore they are attempting to validate disputes filed as accurate without legal right.
Product: Credit reporting or other personal consumer reports

Under The Fair Credit Reporting Act ( FCRA ), Experian, Equifax and TransUnion credit reporting agencies are violating my rights by reporting inaccurate information on my credit report that is harming my financial well-being, and my reputation as a consumer. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. The Consumer Financial Protection Bureau filed lawsuits against Experian, Equifax, and TransUnion in an effort to ensure that credit reporting agencies are held accountable for their failures to properly, and thoroughly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include but are not limited to : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my many disputes regarding inaccurate information on my credit reports have been continuously mishandled in a comparable manner.
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  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some stole my information and open some accounts up
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX