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

I am writing to express my extreme frustration and concern regarding the repeated attempts to remove fraudulent items from my credit report. Despite providing clear evidence of fraudulent activity and requesting their immediate removal, these items persist on my credit report, posing a significant threat to my financial well-being. 

The fraudulent items in question include [ describe the specific fraudulent entries, such as unauthorized accounts, inquiries. I have diligently reported these instances of fraud to your agency and have provided all necessary documentation to support my claims. However, to my dismay, these fraudulent entries remain on my credit report, tarnishing my creditworthiness and causing undue hardship. 

I urge you to take swift and decisive action to rectify this situation. It is imperative that these fraudulent items be expeditiously removed from my credit report to prevent further damage to my financial reputation. I demand immediate confirmation once the removal process has been completed. 

Furthermore, I expect your agency to implement enhanced security measures to prevent similar instances of fraud in the future. It is unacceptable that fraudulent activity continues to infiltrate my credit report despite my efforts to safeguard my personal information. 

I am deeply troubled by the impact that these fraudulent items are having on my financial stability and overall well-being. As a consumer, I rely on your agency to maintain accurate and reliable credit reports, free from fraudulent entries that undermine my financial credibility. 

I request a thorough investigation into the handling of my previous disputes and an explanation for the repeated failures to remove these fraudulent items from my credit report. Additionally, I seek assurance that measures will be taken to improve your procedures for handling fraud-related disputes and to prevent similar occurrences in the future. 

Please treat this matter with the utmost urgency and provide me with a comprehensive response outlining the steps taken to address my concerns. I am asking for your assisstance to remove these fraud items in my credit file : 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: Debt collection

XXXX, the debt collection agency, contacted me via phone XXXX times- on XX/XX/year>, XX/XX/year>, and XX/XX/year> - all the voicemails said is, " This is XXXX calling from XXXX and give me a call back '' with the callback number. No other details were given and I received no other communication either via email or mail, and now I see the debt on my credit report as of XX/XX/year>.
Product: Debt collection

I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED MY DISPUTES LAST MONTH AND STILL HAVEN'T HEARD BACK FROM THE CREDIT BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

604. Permissible purpose of consumer reports : In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 

15 U.S.C. 1681b ( a ) 2 In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

602. Congressional findings and statement of purpose [ 15 U.S.C 1681 ] ( a ) Accuracy and fairness of credit reporting. 

U.S.C. 1666b. Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any reason. 

FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( A ) Subject to section 1681-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Finanancial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions gave caused inconvenience, financial loss, and stress, so I seek appropriate redress for all of these violations.
Product: Debt collection

XXXX XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls
Product: Credit reporting or other personal consumer reports

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Experian didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

So capital one is claiming that I live at an address that Ive never lived there a day in my life. They said that they verified it, but when I asked them to tell me how and show me how they verified that I live at that address, they told me that its confidential and that they can not tell me how they verify the address And like I told them I sent them all proof and documents that Ive never ever a day in my life have lived at that address that theyre cleaning that I live at and I told them that they need to remove that account from my credit card report my credit report and they told me that they will not be removing the credit from the credit report because everything came back verified, but like I told him and sent them all the information. Ive never lived at the address that theyre claiming I live at And Ive never had a capital one credit card.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did a bt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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, credit repair services, or other personal consumer reports

To whom it may concern, I was recently looking at my credit report as I was thinking of making some home improvements. There are a few inquires on my credit report that are 100 % inaccurate and never authorized by me. These are all fraud and were never signed by me. I never signed any documents with any of the following companies and do not know anything about any of this other than wasn't me. Someone tried to steal my identity. According to my credit karma it says on transunion I tried to apply for premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and on equifax also is showing premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and a company XXXX XXXX XX/XX/XXXX. I am also being hit with a late fee from my car dealership. I had spoken to thing months ago when covid happen. I had been a loyal customer for over 10 years. To make a long story short they had said they would remove the late fee due to covid and as curtsy to me for being a trustworthy customer. When I called them today that had nothing in there notes which is one of the reasons I came to you guys to resolve and help fix all this negative stuff.
Product: Debt collection

THE COMPANY XXXX XXXX XXXX IS IN DIRECT VIOLATION AND HARMED MY PUBLIC CONFIDENCE. AS THE AGGRIEVED PARTY THAT HAS RIGHTS TO PAYMENT IN THIS CONSUMER CREDIT TRANSACTION MY SECURITIES WAS SOLD TO A NON-AFFILIATED PARTY WITHOUT MY WRITTEN CONSENT. I AM A NATURAL PERSON AND THE ORIGINAL CREDITOR WITH EQUITABLE RIGHTS ON BEHALF OF THE PRINCIPAL. I REQUEST THIS BE RESOLVED AND FIXED IN 10 DAYS PLEASE SEE ATTACHED FILES
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX Subject : Dispute of Inaccurate information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information I identified on my credit report, which I reviewed on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate and complete. The following accounts are inaccurate or unverifiable and must be investigated and corrected : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX LOANS, XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Explanation of Dispute : These accounts violate my rights under 15 USC 1681 ( e ) ( b ), which requires consumer reporting agencies to XXXXollow reasonable procedures to ensure maximum possible accuracy of the information in my report. Additionally, under 15 USC 1681i ( 5 ), inaccurate or unverifiable information must be promptly corrected or deleted after a reinvestigation. 
I have attached supporting documentation, including a copy of my credit report highlighting the disputed items and any relevant correspondence. I request that you : 1. Investigate these accounts. 
2. Provide me with the results of your reinvestigation.

3. Remove or correct any information that can not be verified as accurate.

Failure to address this issue promptly and in accordance with the FCRA may result in action. I look forward to your response within 30 days, as required by law.

Thank you for your attention to this matter. Please contact me at ( 626 ) 408-4030 or XXXX if you require further information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, XXXX  and Experian are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
Product: Credit reporting or other personal consumer reports

I checked my credit reports with XXXX, XXXX and Equifax and notice multiple XXXX accounts, inquiries, and address on my credit file. I never applied for any XXXX  accounts and I Also never lived at those addresses. I attached a copy of my license, social security card and bank statement for proof of identity and address verification
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Midland Credit Management in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, Midland Credit Management nor XXXX XXXX XXXX. XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXXXXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX, Midland Credit Management, or any factoring company. In addition, I also sent a copies of these letters to XXXX, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Product: Credit card or prepaid card

I opened this secure card back in XXXX per the terms and the advertisement the card would graduate in XXXX a year after making all payments on time per credit report and records I received a letter XXXX that said my security deposit would be held another year no reason was provided now in XXXX they are holding my security deposit again with no real explanation I received a generic letter stating it was based on a review but there is no specific criteria for the decision provided. I called citi on XX/XX/XXXX and the representative was unable to provide a reason and there is nothing from stopping citi from continuing to hold my security deposit this traps me since I opened this account under false pretenses I opened to improve my credit score but if I close the account my score will take a hit and they are not holding there end of the agreement. By not disclosing the criteria that I am not meeting I am unable to improve this area to prevent further holding of my security deposit
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT COLLECTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my TransUnion, XXXX, and XXXX XXXX credit report I found that persons TranUnion, XXXX, and XXXX violated the fair credit reporting act laws and also damaged my consumer credit reputation with the following information listed Below 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681e - Compliance processes ( a ) Identity and purposes of credit users 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments XXXX is reporting the following accounts violating these laws : XXXX  account number XXXX, XXXX XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX. 

XXXX is reporting the following accounts violating these laws XXXX XXXX XXXX account number XXXX, XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX XXXX XXXX account number XXXX  , XXXX XXXX account number XXXX , XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX account number XXXX. 

TransUnion is reporting the following accounts violating these laws : XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX XXXXccount number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX, account number XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Information : - Name : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - Date : XX/XX/year> Bureau Information : - Bureau Name : Experian - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. 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.
Product: Credit reporting

I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries on my credit report : XXXX XXXX XXXX, XXXX/XXXX/16, XXXX XXXX XXXX, XXXX. The unauthorized inquiries do not belong to me.
Product: Vehicle loan or lease

I have lease 2 Vehicles with GM Financial, they are both electric and qualify for no sales tax in Washington state. Both my contracts show the correct payment but GM Financial is reporting to all the credit reports my payment with Tax included and also the payments listed online and on my statements are not correct. They are showing my payment with Tax which is not correct.

I have called Gm Financial about this multiple times and nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

can not unfreeze my report. Have had problems with Experian every year. Last complaint XX/XX/18 for same reason # XXXX - SORRY YOU HAVE TO SEND A LETTER!! No other info. This is holding up a Line of XXXX for my business. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent multiple letters and complaints about this XXXX XXXX that's connected to an address that I do not know. The date this account was open XX/XX/2018. As seen on my identification card I uploaded the address that I have resides is not connected to this account.These false information keeps being updated to my credit profile and keeps leaving a negative effect on my profile.I contacted the creditor and credit bureaus multiple times about this issue and nothing is being done.This issue is slowly giving me emotional damage. As Stated in 15 U.S. Code 1681c1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze.