23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report to see that 01 CASH CENTRAL is calming that I have {$140.00} outstanding and placed for collection. It looks like they are a payday lending company. I have never and would never be involved with pay day lending and have never heard of this company before. 

This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider This Complaint as a Follow-up to my previous complaint. My previous Complaint contains these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute the inclusion of a fraudulent Closed account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : Capital One Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification. 





2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XX/XX/XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XX/XX/XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.
Product: Debt collection

I went to XXXX hospital for treatments and from then they started sending me very high bills instead of using the insurance provided to them. They never made me aware wether the insurance was active or not. They never provided me with any treatments as of today but they decided to send me to collections without notice. They are refusing to assist me and are ruining my credit. I really need help
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and was deeply distressed to find unverifiable, invalidated, inaccurate, and questionable items. It is evident that your agency did not ensure these items were reported with 100 % accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be completely accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), the reporting of these accounts violates the requirement for 100 % accuracy.

I am attaching copies of all relevant letters for your reference.
Product: Credit reporting or other personal consumer reports

I have not authorized inquiries in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I mailed out via XXXX certified mail an Identity Theft report dispute package XXXX instructs victims like me to use as a safeguard to make sure items are properly verified. The packages were XXXX certified to XXXX, XXXX and XXXX regarding an alleged Bank of America account showing on my credit report. 
They received the first dispute packages on or about XX/XX/XXXX. I never received any correspondence or documentation. 
I waited patiently for 6 months. I then filed a direct dispute to Bank of America and enclosed " What Information Furnishers Need to Know '' This 8 page document was prepared by the Federal Trade Commission and explains what Data Furnishers need to send consumers like myself to resolve this Identity Theft issue as it relates to the alledged Bank of America Account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX : XXXX, XX/XX/XXXXXXXX  : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian 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 a personal credit card account opened at XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) because of poor customer service and what I believe are unfair practices. They failed to take proper steps to prevent or address fraud on their platform, which left my account vulnerable and unprotected. 

When I tried to resolve the issue, their dispute process felt unfair and misleading. They didnt follow the requirements for handling errors under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This has caused me a lot of frustration and financial loss, and Im asking for the appropriate action to address these problems
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

They claim to have contacted me on certain dates. It is a flat out lie, PHONE RECORDS will prove it when this is seen by an attorney as well as all the other documentation we have that proves that Chase Bank is lying.
Product: Debt collection

I contacted RISE Credit after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX  XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of the charge-off account reported by XXXX XXXX XXXX XXXX credit reports with XXXX, XXXX, and TransUnion. This account is reported with a balance of {$1600.00}, a credit limit of {$2000.00}, and an open date of XX/XX/XXXX. It also reflects a closed date of XX/XX/XXXX, a current status of " Charge-off, '' and remarks stating " Profit and loss write-off. '' Additionally, the account indicates a past due amount of {$1600.00}, with the worst payment status reported as XXXX days late, and payment history showing 43 % of payments made on time. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy, validity, and completeness of this account. I demand that XXXX XXXX provide a copy of the original signed contract containing my full signature and Social Security number to validate this alleged debt. Furthermore, I challenge the accuracy of all account details, including the balance, date opened, date closed, charge-off status, amount past due, credit limit, and payment history. Without adequate documentation to verify these details, this account must be deemed unverifiable and removed from my credit report. The reporting of this account also violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of information. The discrepancies in the reported data and the failure to provide substantiating documentation demonstrate clear violations of my rights under the FCRA. As such, I request the immediate removal and deletion of this account from my credit reports. Failure to resolve this matter XXXX result in further action to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Our complaint is about Trustmark Bank, XXXX XXXX Our parents created a living trust several years ago ; our mother passed away 4 1/2 years ago, then our father suffered a XXXX approximately 1 year ago and passed away a couple of weeks ago. The provisions of the trust allowed my brother and me to make all financial decisions ( power of attorney while he lived, co-trustees after his death ). Trustmark Bank has refused us access to the money which he had saved over many years, specifically saved to take care of him. They said " we do not accept '' trust documents. Documents which were notarized and filed with the court. 
We are fortunate that we had other financial resources and were able to care for him until his death. We went to the Trustmark branch in XXXX, XXXX after his XXXX approximately one year ago and received nothing but contempt, even though the terms of the trust allowed us to make decisions upon his incapacity. They acted like we were trying to steal his money -- highly insulting. We decided not to sue them since the amount of money was not significant. After his death my brother and I went to the same branch and received the same -- give us the trust documents ( which we have now submitted 4 times ). The lady refused to look at the trust documents, saying she had to get a ruling from " Legal ''. Note that the bank accepted his deposits under the terms of the trust, which were submitted at the time of account opening. 
When asked for a time frame, she said it might be several days or several weeks. Although we were fortunate to have financial resources to care for our father, now deceased, we are concerned about others who may not. We recommend a full investigation of all trust accounts accepted by Trustmark over the past 20 years. This is not an isolated incident ; I discussed our estate settlement with a friend who also said that Trustmark was the largest obstacle to settling his family 's estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. XXXX et seq. I assert that TransUnion, the primary credit reporting agency, and its partner, XXXX XXXX, have failed to provide accurate and truthful reporting of my credit information, which led to the wrongful denial of credit by XXXX XXXX ( XXXX XXXX ). The denial was based on a materially inaccurate credit score discrepancyspecifically, a variance of approximately XXXX points between the credit score reported by TransUnion and the one used by XXXX XXXX ( XXXX XXXX ) to deny me credit.The actions of TransUnion, XXXX XXXX, and XXXX XXXX XXXX XXXX are in violation of several provisions within the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy, completeness, and fairness of consumer credit reporting. Specifically : 15 U.S.C. XXXXe ( b ) / 15 U.S.C. XXXXi / 15 U.S.C. XXXXm / XXXX XXXX XXXX The wrongful denial of my credit application due to the inaccurate credit reporting by TransUnion has caused me to lose all trust in the accuracy and integrity of the information reported by this credit reporting agency. Given the severe discrepancies in my credit score and the lack of resolution to my dispute, I can no longer rely on TransUnion to provide accurate or trustworthy data. This experience has led me to question whether my XXXX score, or any other score provided by TransUnion, is calculated correctly or with fairness. 

In light of this situation and the ongoing harm caused by the mishandling of my credit report, I not only demand compensation for the damages incurred but also demand that TransUnion immediately adjust my credit score to XXXX. This is necessary to restore my confidence in their reporting system and to compensate for the inaccuracies that have unfairly impacted my creditworthiness. Until this adjustment is made, I will remain unable to trust TransUnion or its reported data in any capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of an unverified account, which they refused. I submitted enough information to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX # XXXX BAL : {$680.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with trans union regarding a derogatory item on my credit from XXXX funding. The dispute was submitted in XXXX. Im not sure of the exact date, and I cant get any information from the TransUnion website. The site is always experiencing errors. The company XXXX funding violated my credit rights. They used fraudulent deceptive tactics. They took advantage of me. Because I missed a payment. Led me to believe that if I paid {$50.00} they would resume my payments plan. After they took the XXXX out. They came back and told me that they would not be able to let me keep my payment plan. Yet, they continued to take money out for the plan. Trans union has refused to remove this item off my credit report. Even though XXXX is in violation.