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

Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my identity that are currently appearing on my credit report. The details of the disputed accounts are as follows : Account Name : XXXX XXXX XXXX Account Numbers : * Account number XXXX ... 
* Account number XXXX ... 
* Account number XXXX ... 
* Recent Balances : * {$560.00} as of XX/XX/2023 * {$450.00} as of XX/XX/2023 * {$1500.00} as of XX/XX/2023 * Date Opened : XX/XX/2023 * Status : Collection account. {$560.00}, {$450.00}, and {$1500.00} past due as of XX/XX/2023, respectively. 
I am contesting these collection accounts based on the grounds that my personal belongings, which included documents containing my identity, were unlawfully taken from my car. It is my understanding that under the provisions outlined in 15 U.S. Code 1681c2, any information resulting from identity theft must be promptly blocked by the consumer reporting agency. 
Therefore, I formally request that these negative accounts, for which I have no affiliation or contractual agreement, be expeditiously removed from all three major credit bureaus. I want to emphasize that I have not authorized the inclusion of any information on my credit report that is unrelated to my financial history or identity. 
I believe that these collection accounts are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of any information resulting from identity theft. I kindly request your immediate attention to this matter and the deletion of these accounts from my credit history. 
I expect a thorough investigation into this dispute and request that you provide me with written confirmation of the removal of these accounts from my credit report within the legally stipulated time frame. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost care and professionalism. Please do not hesitate to contact me if you require any additional information or documentation to support my claim.

In addition, I assert that the cease and desist process can be appropriately used to address credit report issues arising from identity theft. Section 611 of the Fair Credit Reporting Act ( FCRA ) explicitly grants consumers the right to challenge the completeness or accuracy of information within their credit files with consumer reporting agencies. Furthermore, Section 623 of the FCRA establishes potential liability for those who willfully fail to comply with its requirements, offering remedies that can include actual damages suffered as a result of such failures or statutory damages ranging from {$100.00} to {$1000.00}. This underscores the importance of a thorough and expedited resolution to my dispute.
Product: Debt collection

I did not elect to have car insurance with XXXX XXXX XXXX. The agent is XXXX XXXX. 
I am getting a bill for {$200.00}. 
I have contacted the agent to remove this bill and to fix the negative information being supplied to the credit company. 
Previous All State Account number is XXXX XXXX XXXX. 
I filed, today, with XXXX, a complaint against the agent and agency since I am still being billed for a policy I did not elect to have and now have been sent to a collection agency. 
Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to take my disputes and fail to do a 100 % complete accurate verifiable investigation. They sent a letter stating my dispute was not illegible which is false. The letter was typed and printed out and mailed correctly. The attachment of their delay response is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 1082 ( a ) This company breached my personal information without my consent. 
15 U.S.C 6802 Gramm-Leach-Bliley 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly, disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, by law is a violation of identity theft. 
15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institution did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; I was never given the consumer opportunity, to initially disclose this information, to refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. 
15 U.S.C 1681s-2 ( a ) This company closed and furnished an account on my consumer report without my consent. 
15 U.S.C 6802 ( d ) This company disclosed my payments to nonaffiliated third parties which still reflects on my consumer report.

12 CFR 226.15 ( a ) As a consumer I was not rightfully sent two copies of notice that gives the option to opt-out from this company with my rights to rescind clearly and conspicuously.
Product: Credit reporting or other personal consumer reports

I have received reports from XXXX XXXX on 2 hard inquiries that I absolutely did not submit. One from XX/XX/year> and then again yesterday on XX/XX/year>. I see the XX/XX/year> XXXX is from XXXX XXXX  and the XX/XX/year> one is from Capital One. 

I received a letter in mail today regarding XXXX XXXX  declining my application due to lack of personal information. So someone is submitting these inquiries, has my correct address since the mail came here, but is missing some information. 

Both were placed on a Sunday and exactly one week apart apparently.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report and have identified the following item ( s ) that contain inaccurate information : The following personal information is incorrect Employers : XXXX XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 1. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding the unjust investigation of three fraudulent transactions that occurred on XX/XX/2023. Despite providing concrete evidence, I have been informed that my case has been closed, and I have not been properly assisted in resolving the issue. 

To begin with, I want to emphasize that I only have a XXXX XXXX account since XX/XX/2023, and the two fraudulent transactions of {$110.00} and {$30.00} were both made from XXXX. I have no affiliation with XXXX-XXXX, and these transactions are undoubtedly fraudulent. Furthermore, a third transaction of {$4.00} was made at a place called " XXXX XXXX XXXX. '' As a XXXX, I do not consume candy, and I have no knowledge of such an establishment. 

I have taken all necessary steps to address this matter promptly. On XX/XX/2023, I filed a police report at the XXXX precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. A detective is currently handling my criminal case, further validating the seriousness of the situation. 

However, when I spoke with a female supervisor from TD Bank 's US headquarters on XX/XX/2023, I was shocked to learn that the investigation had been closed without a satisfactory resolution. The supervisor 's explanation that the transactions were not fraudulent because the thief would not stop at three transactions in a day and that I must know the perpetrator was both baseless and unfair. It is essential to note that TD Bank had already closed my account and reissued me a new card, making it implausible for additional transactions to occur with the canceled card. 

I firmly believe that TD Bank 's handling of this situation is in violation of the Electronic Fund Transfer Act ( EFTA ) and has severely infringed upon my customer rights. 

Therefore, I kindly request the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that TD Bank rectifies their significant errors promptly. I demand that the amount of {$110.00}, {$30.00}, and {$4.00}, which were fraudulently taken from my account, be permanently credited back to my account without any further delays. Additionally, I expect to be treated with the respect and dignity that every customer deserves. 

Attached to this complaint letter, please find my new TD Bank debit card information for your reference : Name : XXXX XXXX XXXX number : XXXX Thank you for your prompt attention to this urgent matter. I am hopeful that with the assistance of CFPB, this issue will be resolved satisfactorily. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3500.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Debt or credit management

Requested money back, merchant provided receipt and refund. USAA reversed request and will not give me my money back. Issue has been ongoing for 2 months.
Product: Credit reporting or other personal consumer reports

According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed IMMEDIATELY!! 

XXXX XXXX {$370.00} XXXX XXXX XXXX {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

open XXXX/XXXX/2015. Credit Card with SYNCB/PPC. with a balance of XXXX, credit limit of XXXX. I have disputed this account with the credit bureau and it still has not been removed from my credit report. This is not my account. I have no idea where this account came from and I don't have an account with Synchrony Bank
Product: Debt collection

My level of frustration is exasperated because of all the abusive debt collection practices, the several reporting inaccurate information, late payments, collection activity and false debt. 
This ordeal has caused me emotional distress, and my diminished credit score which sent me into XXXX after being denied auto loans, lines of credit as well as housing my life changed forever and I will never be the same. 
Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate. 
I am requesting that an immediate deletion of all unfair reporting remarks and late payment as well as collection activity from my credit. This on my credit illegally and unfair remarks because the debt collector is in Violation of the Federal Fair Debt Collection Practices Act
Product: Credit reporting or other personal consumer reports

Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) so therefore they are not reporting accuracy on my credit profile. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. They are violating my rights, my privacy and personal identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the National Budget Planners and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX National Budget Planners sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.
Product: Debt collection

I previously disputed an alleged collection debt with a debt collection company by the name of General Reveune Corporation on XX/XX/XXXX. It was then removed from my credit report on XX/XX/XXXX. The debt collector illegally added the alleged debt back to my credit XXXX, XXXX  and XXXX  report on XXXX XXXX XXXX The debt collector failed to provide me with a dunning letter within 5 business days that it was reinserted back on my credit report. This is a violation of Fair Credit Reporting Act 611 ( 2 ) ( A ). I would like this account PERMANENTLY deleted from my XXXX, XXXX  and XXXX  credit reports immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$23000.00} XX/XX/XXXX XXXX & XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX BANK XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX Account number : XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX, This is the reason of the Data Breach. 
Delete it from my credit Report XXXX! 
XXXX XXXX XXXX : Account number : XXXX XXXX XXXX L : Account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX  : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX : XXXX, DEPT OF EDXXXX : XXXX, XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX. : XXXX, XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Good morning from XXXX. 

Good morning from XXXX. I used Klarna to pay for the XXXX men 's ties I purchased from XXXX XXXX, which I later returned. XXXX XXXX took some time to acknowledge my return but did not give me the full refund. Several weeks later they sent me an email listing the amounts they supposedly sent to Klarna. 

Since making the purchase, Klarna has continued withdrawing the scheduled payments from my bank account despite the assurances from their Chat representative but has also insisted that I contact XXXX for the refund. 

When I informed them of the refund XXXX sent them, they ( Klarna ) once again assured me that they would look into it and get back to me. I never heard from them again. 

As I was getting nowhere as Klarna would insist I talk to XXXX XXXX while XXXX would tell me to contact Klarna I finally decided to contact Klarna 's CEO, who replied which I unfortunately deleted as spam. I requested a resend but I never heard from him again. 

Attached is the list of payments Klarna withdrew from my bank as well as the credit they gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ),
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS EXPOSED IN EQUIFAX BREACH. I SENT MULTIPLE LETTERS TO EQUIFAX IN REGRADS TO THE FOLLOWING ACCOUNTS AND EQUIFAX HAS YET TO REMOVE THESE ACCOUNTS. THIS IS MY LAST ATTEMPT TO RESLOVE THIS MATTER BEFORE I PURSUE LITIGATION AGAINST EQUIFAX. 
1. Deficient of Physically Verified Validation XXXX  Account Number : XXXX Account under litigation. Please remove it from my credit report. 

2. I have no Knowledge of this Account XXXXXXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

3. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

4. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

5. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

6. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

7. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

8. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and XXXX XXXX Account # 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 a account without my written instructions.