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

I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became a victim of identity theft and I was informed by the Credit agencies that I needed to get a police report and an identity theft report from the federal trade commission as well. XXXX of the accounts in dispute was a XXXX XXXX  account with the account number XXXX. This account was removed once I submitted my police report and identity theft report about XXXX weeks ago. Today it was placed back on my account. I called experian and informed them the account was not mine and had already been removed and by law they cant place it back ones its been removed. I spoke with a representative named XXXX in which he stated XXXX XXXXXXXX place it back and I am unable to dispute it or have it removed. He stated it is permanently on my account. Even though I submitted my police report stating Ive been a victim of identity theft he stated they are not going to touch it. I asked him how is possible he stated thats just how it is. XXXX XXXXXXXX wanted it back so thats that.
Product: Credit card or prepaid card

Re-Kohls Department Stores Credit Card Division XXXX, Wisconsin XXXX Complaint : 1. Credit card statements no longer itemize purchases, it only shows dates and store location which purchase were made from.

2. Recently Kohls published their late payment warning showing a penalty late fee of {$37.00} plus interest if payment is not received by listed date.

3. Our last statement indicated a closing date of XX/XX/2019. Statement received on XX/XX/2019, delivered by US Mail. The statement showed a due date of XX/XX/2019. 
Fraud, I believe that this division of Kohls sends their statements out late or holds them back from mailing increasing the possibility that the returned payments will be received late and posted after the due date. This would increase their revenue by {$37.00} per month from each payer. 
4. I attempted to relate this trend to corporate, explaining that their customer 's will see this fraud and will result in losing customers, revenue, and creating stockholders losses. This message unfortunately fell on deaf ears.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to see the Credit Bureaus doing nothing to correct my Credit Report despite the multiple letters I have been sending requesting that the Credit Bureaus remove the disputed items from my Credit report. I am a victim of identity theft and the items I am disputing do not relate to any transactions that I have made or authorized. Neither did I received any benefits as a result of the theft of my identity. I informed the Credit Bureaus regarding my situation through the letters I have been sending them with complete attachments of my complete personal information and FTC 's ID THEFT REPORT. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer considered asaan item resulting from the identity theft under the Fair Credit Reporting Act section 605b. But despite XXXX constant reminder of the significance of the FCRA to the Credit Bureaus, It is clear that the Credit Bureuas are not willing to coply with the Federal regulation. The Credit Bureaus have been non-cooperative since I started disputing my Credit File. The last letter I sent was in XX/XX/XXXX yet again emphasizing the FCRA section 605b. I ma submitting this complaint to remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized accounts on my credit report, likely added without my consent. Requesting immediate removal and blocking of these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam CFPB, I am writing to address the unresolved disputes on my consumer report and request a prompt resolution in accordance with the Fair Credit Reporting Act ( FCRA ). By the way, i'm in my bedroom on my XXXX writing this out which is causes time and effort unnecessary means to this issue. 

Despite providing all necessary documentation and following the proper procedures, Transunion has failed to conduct a thorough investigation, provide a timely response, and remove the disputed items from my credit report. 
I sent certified mail on XX/XX/2023. Transunion acknowledged receiving documents on XX/XX/2023. I have the tracking number ( XXXX ) and a copy of their signature from USPS Transunion accepting items in question and personal information and supporting documents. 

I urge Transunion to take immediate action to rectify this matter to avoid any courts intervention. 

The FCRA mandates that credit bureaus conduct a reasonable investigation and provide a written resolution within 30 days of receiving a dispute. 

However, it has been well beyond the required timeframe, and I have not received any substantial response or resolution from Transunion, what shame. This failure to comply with the FCRA 's guidelines not only undermines the integrity of the dispute resolution process but also negatively impacts my financial well-being.

Given the credit bureau 's noncompliance with the FCRA and the extended period of time that has passed, I assert that the disputed items should be promptly removed from my credit report along with updated personal information.

The absence of a timely response and resolution demonstrates a failure on the part of Transunion to fulfill its obligations and protect my rights as a consumer.

Therefore, I kindly request the following : Timely Resolution : I urge Transunion to conduct an immediate and thorough investigation into the disputed items on my credit report such as personal information.

Removal of Disputed Items : In light of the extended period of time that has passed since I initiated the disputes, I request the prompt removal of all disputed items from my credit report. The failure to provide a timely response and resolution should be taken as evidence of the inaccuracies of these items.

Credit Report Update : Upon the removal of the disputed items, I request that Transunion updates my consumer report accordingly to reflect the accurate and fair information. I also request that Transunion notifies all relevant parties, including creditors and lenders, of the resolution to ensure the accuracy and fairness of my credit profile.

I trust that Transunion will address this matter with the utmost urgency and provide a written response within 15 calendar days to ensure the timely resolution of these disputes. 

Failure to comply with the FCRA and neglecting to take appropriate action will necessitate further escalation of this issue. 

Thank you for your attention to this matter. I anticipate your prompt response and a satisfactory resolution that upholds the principles of the FCRA. 

Sincerely, concerned consumer
Product: Debt collection

I am not liable for this debt with CAINE & WEINER, they did not provide me with the original contract as I requested. This account was fraudulently opened in my name due to identity theft.
Product: Credit reporting or other personal consumer reports

The credit buruea has violated 15 USC 1681o : Civil liability for negligent noncompliance Text contains those laws in effect on XX/XX/year> and is in civil disobedience and non complaince when they failed to fix my credit report by removing all unathorized inquiries and disputed items
Product: Credit reporting, credit repair services, or other personal consumer reports

came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XX/XX/2021
Product: Credit card

I received an alert of a potentially fraudulent charge of {$2100.00} in XXXX of 2023 on my Citi card. I immediately reported it as a fraudulent charge. The charge was removed in XX/XX/2023. In XX/XX/2023, Citi wrote to me and advised that they had reversed the charges because of paper documentation provided by the entity and Citi confirmed it was a valid charge to my card by XXXX XXXX XXXX XXXX 

I contacted Citi and advised them that the person who made the charge, XXXX XXXX, was not an authorized user of my card and I did not authorize the charge to my card. I have complained to them telephonically several times and they still have not removed the charge. I submitted a written complaint to them in XX/XX/2023 and they still have not removed the charge. 

I want the charge and any associated interest removed from my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy I dont want this account reporting on my credit report. 

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has failed to provide copies of ( 2 ) original documents ( a consumer contract with my signature ) according to the law, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) from XXXX XXXX XXXX after numerous written requests and phone calls.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax several times to inform them that my mortgage account with XXXX XXXX XXXX is not past due. I spoke to XXXX XXXX XXXX and they sent me two letters stating that the account is not past due, that they do not even report anything to the credit bureaus regarding this account. 

When I talk to Equifax they asked for a copy of the letter and statement which I sent them. This account is not past due and my credit report should not reflect that it is.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am reaching out regarding the two recent claims I filed with Cash App for refunds that have been denied. 

Flight Purchase on XXXX XXXX - On XX/XX/year>, I made a purchase for a flight in the amount of {$380.00} through Cash App. I am no longer taking this flight and have provided proof of this. 

Venue Table Reservation in XXXX XXXX - On XX/XX/year>, I made a payment of {$120.00} for a table reservation at a venue in XXXX XXXX. Due to changes in my plans, I am no longer attending, and I have provided supporting evidence of this as well. 

Despite providing clear proof that I will not be utilizing either service, both claims have been denied. This is disappointing, and I believe my requests are valid given the circumstances. 

For reference, I have also filed a complaint with the Federal Trade Commission regarding this issue. 

Please let me know if there is any further action I can take to resolve this matter. I am hoping for a timely and fair resolution. 

Thank you for your attention to this.
Product: Debt collection

Im not aware of this hospital debt, I need this debt to be verified, and if it is not verified then it needs to be taken off of my credit report. Please and thank you Collection Open date : XXXX XXXX XXXX Original Loan amount : {$420.00}
Product: Vehicle loan or lease

On XX/XX/2023 I called Gm financial to have my account notated to apply all future overpayments directly to the principle. 
The first customer service rep informed me that any overpayment up to {$200.00} would be automatically applied to the principle but anything over that would require a call every time. I asked to speak with a supervisor. 
The first supervisor reiterated everything the first CSR said. I asked for another supervisor.

The 2nd supervisor started out telling me that every overpayment would require a phone call to get it applied to the principle. After speaking for several minutes and informing them what i had been told by the previous customer service reps they changed their story to say that if I made 4 overpayments in a row, with calls, that on the 5th overpayment that i could call again and get them to apply all future overpayments directly to the principle... 

This seems like a very shady business practice to me. To put overpayments to the principle behind a phone call and subsequent wait time is to discourage early payoff first and foremost and secondly to misapply overpayments if the customer does not check on where the payment is applied. This puts too much burden on the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a inquire on my credit report from Chex System that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) collection agent called and failed to disclose that he was calling from a debt collection agency. Asked to confirm the last 4 of my social and DOB. I responded that I would not confirm over the phone. Agent proceeded to inform that a judgement had been filed against me for a debt that was out of statue 10 years ago and if I would like to settle today. I responded that I will not respond over the phone and will respond via certified mail. He informed me that correspondence had already been sent, that I would be served in a lawsuit, and that I knew that I owed the debt and was beating around the bush. Agent hung up the phone before I could respond.
Product: Credit reporting or other personal consumer reports

I received a notice of data breach from XXXX, and their attempt to make it " okay '', which is insufficient, is two years of credit monitoring via Equifax. Equifax refused to verify my identity by asking me questions about information they allegedly have on me in their reports, but I can't validate that information as accurate unless I can accurately guess at what they think. 

All of that is in the attempt to activate the two years of credit monitoring that XXXX provided. 

Instead, they've told me to give them a call when I'm busy by only providing hours in XXXX, so that, during the workweek, I'm busy actually working ; on the XXXX, I'm catching up on all the household work I can't get done during the workweek because I'm working.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In this unfortunate situation, I had to report fraudulent activity on my old account after falling victim to a spoof email scam that compromised my account. Despite notifying the bank about suspicious transactions, the institution neglected to take immediate action, leading to further fraudulent activities. As a result, the bank decided to close the my old account as a precautionary measure to prevent additional financial losses and protect me from further harm. However, this closure has now created new challenges for the me, as I am facing difficulties in opening a new account with the same institution. I am understandably frustrated with the handling of their initial complaint and the subsequent account closure, making the process of seeking resolution and regaining my banking access a frustrating and cumbersome endeavor. To find a resolution, I consider contacting the bank again to discuss their concerns and explore options for opening a new account or alternative banking solutions and they stated that they arent allowed to discuss any options. -Account closure 2020
Product: Credit reporting

When checking my credit report, today XXXX/XXXX/16, It stated that since my last update onXX/XX/2016, A previously deleted account on my Transunion Credit Report on XXXX/XXXX/16 ; was added back to my credit report. The Debt Collector is XXXX, and the Original Creditor was XXXX XXXX XXXX. The balance on this report on XXXX/XXXX/16, shows balance owed as {$0.00}. When it was originally reported as deleted on XXXX/XXXX/16 amount deleted was {$470.00} and accounts were closed. Reported on XXXX/XXXX/16 credit report for XXXX for same accounts, these were deleted per the original creditors request.
Product: Credit card or prepaid card

On XX/XX/2022 my wallet was stolen with all my credit cards and ID I contacted XXXX comenity bank credit card right away about it. It was {$580.00} and the said they took it off. I kept checking it has not been removed. I called several times waiting on the phone for extended periods of time and talking to different people giving them all my information and then not doing anything about it. Every time I call they say there wasnt any information about it which Im thinking people are not doing anything at their job Im highly frustrated I filed a police report and all my other credit cards have given me the funds back except for them. Its hard to talk to someone and when I do they just lie about it