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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. 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. 
XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a KOHL 'S credit card, account number XXXX in XX/XX/XXXX. I have an erroneous 30 day late payment on my 3 credit bureaus from XX/XX/XXXX. 
I would like the late payment removed but prefer the account to be removed.Kohl 's has since been sold to or is administered by CAPITAL ONE BANK.ALL CHARGES WERE FRAUDULENT ... YES, ALL CHARGES WERE EXCESSIVE.I WAS INDUCED BY KOHL 'S TO APPLY FOR CREDIT FOR A DEEP DISCOUNT ON MERCHANDISE. 
THE DISCOUNTS WERE ONLY PARTIALLY CREDITED. 
KOHL 'S HAS A PATTERN AND PRACTICE, EVEN TODAY OF FALSE ADVERTISING, ... .THE DISCOUNTS OF 10,20, 25, AND 35 PER CENT ARE NEVER CREDITED.THEY FALSELY ADVERTISE AND DO NOT THOROUGHLY AND COMPLETELY REVEAL THE BRANDS EXCLUDED FROM THE ADVERTISED DISCOUNT UNTIL YOU ARRIVE AT THE PAYMENT COUNTER..THEY WILL GIVE THE DISCOUNT ONLY ON THE CHEAP XXXX JUNK AND ON NONE OF THE NAME BRANDS.KOHL 'S IS IN THE RETAILING FRAUD BUSINESS.I LIKE THE STORE BUT I HAVE NEVER BEEN CHARGED FAIRLY FOR THE UNDISCLOSED EXCLUSIONS FOR THE SALE COME-ONS.IF THE CFPB INVESTIGATES THEY WILL BE ABLE TO PROSECUTE FOR THEY PRACTICE MY ALLEGATIONS AND VIOLATE WITH THEIR FALSE ADVERTISING TODAY.THEY ARE BOLD AND BLATANT CRIMINALS AND UNAFRAID TO INDUCE ANYONE INTO APPLYING FOR CREDIT FOR THE FALSE PROMISE OF DISCOUNTED MERCHANDISE.THEIR STORE WINDOWS AND MAIL ADVERTISING DO NOT OBEY THE LAW REGARDING ADVERTISED DISCOUNTS AND EXCLUSIONS IN CALIFORNIA ... .SO IN EFFECT ALL OF MY CREDIT CHARGES CONTAINED SOME LEVEL OF FRAUD OR THEFT BY KOHL'S..THEY NEED TO BE SUED BY A SMART CLASS ACTION ATTORNEY AND THE CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 20 failed attempts by Equifax to correct fraudulent errors on my file. I have sent FTC report and police report regarding accounts fraudulently opened using my information. I have also included proof of my identity and residence. 

In a letter dated XX/XX/2020 Equifax declined to block fraudulent information from my credit report. Stating it was doing so on the basis of Fair Credit Reporting Act Section 605B ( c ). However after close review of 605B ( c ) here are the parameters per the FCRA : ( c ) Authority to decline or rescind. 
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( A ) You have not determined my request is an error. I have submitted my CORRECT identification information along with multiple law enforcement reports regarding the fraud. This request is absolutely valid and no such error exists. 

( B ) There have been no material misrepresentations of any kind. The facts have been implicitly stated and verified multiple times. You have been provided with all details and proof including bills and deed stating my CORRECT address and information showing proof of my residence and whereabouts. 

( C ) I have not obtained nor do I possess any goods or services in association with any of these tragic events as evidenced by my credit inquiries. You can not show direct link to my receiving any goods or services because there are none to receive. I simply want these heinous lies removed from my file. There is nothing to obtain here other than a clear name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The previous submitted complaint was never resolved. IC systems has replied to the complaint and stated they have sent a response and did not. I have no contractual business with IC Systems and they have not responded to my initial letter.
Product: Credit card or prepaid card

I have had a poor experience the last few days trying to get a credit card replacement from Citi with my premium XXXX card. I called yesterday to report unauthorized activity on my card by the large XXXX train company XXXX XXXX ( this has happened before with Citi. Maybe Citi would like to find out why and put a block on them charging my cards?? ). I told Citi yesterday I would call them back with my address for the next few days in XXXX and that they would then mail me the card. I called today. The first person I could barely hear and had a terrible attitude. She had me on speaker and wanted to verify everything I already verified yesterday. The second person was nicer, I could hear, but clearly lacked training. After reading her the entire address she then said the system was not letting her send to me. She put me on hold again and then said the system would not let her send to XXXX as XXXX do not go there. XXXX do go to XXXX or you can send XXXX She said it could take 3 weeks to get a card to XXXX. I have never heard such ridiculous things. 

I then requested to speak to her supervisor and she put me on hold and then call was disconnected. We know what that means. Why was I not called back? Do Citi not call customers back that are disconnected? The expectation is I keep calling back until I get someone competent? 

I need to have more competent service and the card sent to me as I was told it would be yesterday on the recorded Call. Please send to the exact address below and I need to receive by Thursday night. Thank you. 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

Multiple addresses that dont belong to me Numbers and my name is spelled different
Product: Bank account or service

PNC Bank closed out my checking account containing over {$70000.00} with no reason and no prior notification ( they said they reserve the right to conduct periodic reviews of customers accounts and close their accounts when they feel the banking relationship should end ). I need my money to pay bills and they have not given me my money. They are jerking me around. I spoke with a regional manager yesterday and he said they could not issue me a check at the bank and I would have to wait for it to be mailed. In the meantime, I have no money. Checks that I have written will surely bounce, automatic bill payments will not be made, and I have no cash for my daily life. Please help me. My family is dependent on my finances, which PNC irresponsibly cut me out of.
Product: Credit reporting or other personal consumer reports

I, the, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. By law, you have 30 days to respond to this letter. Please do so! 

This company failed to respond to my letter within 30 days. According to the FCRA, this is a violation. Please delete these accounts from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is still reporting a old debt that doesnt belong on my credit report. This is too old to be filed and needs to be removed. This dates back to 2009 and needs to be cleared ASAP Additionally the Wells Fargo Account is being posted twice on all my credit reports when it is only one account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment Made XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company. 

Original Creditor XXXX XXXX Past Due {$620.00}
Product: Credit reporting or other personal consumer reports

A request was submitted multiple times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, however I am not liable for this debt with XXXXXXXX XXXX for {$1400.00}. I do not have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as requested. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor is still reflecting the balance owed for this account. Please remove.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had a glitch in the computer system causing all hard inquiries to be deleted off my credit report. TransUnion later added them back onto my credit report without giving me the legally required written 5 days notice prior to them re-adding the hard inquiries. I contacted TransUnion in good faith and asked to please have the accounts removed since they were illegally re-added. The Transunion rep then told me that I could not have them removed because I was not affected, even though my credit report says otherwise. The inquiries are a burden and hardship, My credit score is being affected causing issues with trying to take out a mortgage. My rights were violated by TransUnion. Can you please help TransUnion stop victimizing me? I 'm hoping that I am able to come to a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Debt collection

Upon checking my credit report with XXXX, I noticed a collection for {$82.00} placed by CREDIT COLLECTION SERV. I do not know what this debt is and have not received anything in the mail from them.
Product: Credit card or prepaid card

After returning home in XXXX from the XXXX XXXX with the military I had canceled the monthly fee of {$34.00} with XXXX so no more charge would accur as I was leaving to go home. Two months after being home I see a XXXX and XXXX charge of {$34.00} on my Capital One Bill. Then in XXXX as well a charge of {$99.00} from XXXX with no consent of mine. I called XXXX and they said yes it was canceled and to contact capital one. I closed my card and they said they would take all charges off and issue me a new card. The new card came and I did not activate it. Then the charges appear again. No one even had my card numbers. I called Capital one again they said they would send out paperwork to remove the charges. I asked them to explain to me how these companies keep getting my new card when it was not even activated. They said it was " MASTERCARDS FAULT FOR GIVING OUT MY INFORMATION '' I have never heard such a thing. This is beyond Fraud this is Theft on Capital one and Mastercard. How can they do this to people. Here we are XX/XX/2020 and the both {$34.00} and {$99.00} charge are back again on a new card with new numbers at Capital One. I called for the third time and they said did you get the paperwork. I told them I just received the one for the two charges of {$34.00} but nothing for the {$99.00} one. They transferred me to a supervisor who was very rude ( calls are recorded please get a copy of this ). She was of no help I told her these charges have better be removed and I will be sending in everything they ask for. I told her at this point cancel my account as I always pay in full. I will not be paying the two {$34.00} and the {$99.00} charge as this is Fraud. Why do we have laws if they are not there to protect us. Capital One and Mastercard are fraudulently given consumers credit card information to creditors. This is against the law.
Product: Credit card or prepaid card

received online offer on my phone fro XXXX XXXX XXXX XXXX on my phone and charged {$150.00}. never received any email, letter or ordered merchandise. Tried to contact store with number that provided by Capital One Visa Credit Card ( XXXX ) and people on other side did not have any idea about online purchase. Contacted Capital one Dispute Department ( XXXX ) who credited the account for the same amount. later on XX/XX/2019 received the letter that they need supporting document and due to lake of it charge had been restored. I kept calling and explaining there is no receipt no email or any merchandise and their representatives keep repeating themselves due to no supporting document they have to process the charge. 
I just send them a letter and asked to close my account and will not pay the fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXX XXXX  - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX  ( Transunion & XXXX ) Address : XXXX XXXX XXXX XXXX XXXX ( Transunion ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Unauthorized Inquiries : XXXX ( 2 TIMES ) XXXX  XXXX XXXX 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$360.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have asked the purchased creditor to send me proof of the debt owed and the contract, to no avail. I have disputed the account twice and it still shows that it is validated. 

How is it validated when the requested information was not sent to me however, it is being stated as ( validated ) with the credit agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint about Experian reporting an incorrect address and I submitted my drivers license showing my address. Experian responded with this below : Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You indicated that there is an address that has never belonged to you listed on the credit report. You are requesting this address information to be deleted. Note we store address information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information reported the address you questioned, and it is a part of your credit history. If you believe an address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone at XXXX XXXX XXXX XXXX if you need additional assistance to determine the specific sources of particular address information on your credit report. Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload or dispute online by visiting https : //www.experian.com/disputes. For additional information related to fraud, please visit our website at : https : //www.experian.com/fraud/center.html or you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX XXXX XXXX, XXXX, TX XXXX XXXX Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumers swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian.
Product: Credit reporting or other personal consumer reports

The account should have been deleted from XXXX, Experian and XXXX. It is still being reported
Product: Vehicle loan or lease

They kept taking out payments from my checking account after loan was paid off. Also, I still haven't received the title.
Product: Credit reporting or other personal consumer reports

All credit reporting has outdated information and trans union has me at a zero ( this happened with the other 2 because a creditor claimed I was dead ). Ive reached out but no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # {$14000.00} 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 a account without my written instructions
Product: Payday loan, title loan, or personal loan

Interest rate is not within legal limits in California
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the negligent noncompliance of XXXX XXXX XXXX with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX, which addresses civil liability for negligent failure to comply with the requirements of the Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX, XXXX XXXX and Sage Stream. I am in the process of buying a home and I need access to my files asap.
Product: Checking or savings account

After being a loyal costumer for over 17 years. Boa does not want to do business with me no longer, they closed my accounts. I am having difficulty getting my money thats rightfully mine. This bank gives me the run around and is holding my money hostage. Ive been investigated and am now being reinvestigated. They say your case has been sent to the back office and have no way of getting ahold of someone in that department. Ive never heard of a department that can not be reached. Its fine that this institution doesnt want to do business with me. I can go with XXXX XXXX, which I already have but give me my money thats rightfully mine. This is outrageous ridiculous and not the way a financial center should be run holding my money hostage with no end in sight. I am very stressed out have lost sleep and and angry at the way you all are treating me. Please all I ask is for help Please get in contact with me asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my account with Seedfi/XXXX XXXX XXXX XXXX XXXX XXXX This company sets you up with a loan that you are paying off every 2 weeks or so, they report it to the credit buearu and it was supossed to help build my credit, which it was until XX/XX/XXXX. XXXX XXXX, I received an email stating that my loan was being transferred to another lender, and there was nothing to do on my end because everything would be the same. XX/XX/XXXX. My score dropped XXXX points, and this was the only change to my credit report since the switch of lenders. I have called XXXX XXXX to fight this and have also disputed this through XXXX XXXX several times. They claim the info is accurate but im not seeing how it's fair for my credit to take such a hit when I had no other changes, no delinquencies or anything and trying so hard to build my credit. XXXX XXXX tells me to call XXXX, XXXX tells me to call XXXX XXXX. I ve even disputed this directly through XXXX and XXXX directly. I specifically picked Seedfi because I moved to another state, and now I am unable to get an apartment with my credit score. Please help