23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX : Kohls account late charge explanation and rebuttal Account # : XXXX To whom it may concern, I rarely use my Kohls card. When I do its for small purchases. This one was a shirt for XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I got the email on my statement. On XX/XX/XXXX, before I made a payment, I went in and edited my bank account information. 

I changed the account number, and clicked submit, then went in and made a payment. 


I never received an email that this payment failed. 


I was confused when on, I received another email that I had a balance, which had doubled ( which I shouldnt since I paid it ), So once again, I went in, updated my bank information, clicked submit on the edit, and made the payment. 


I logged in and checked on XX/XX/XXXX and it says you have a balance of {$0.00}. This was when I realized this takes a week to update the balance after a failed payment. I immediately called Kohls, ( the balance still said {$0.00} ), filed a complaint, and asked for a credit for my fees. ( I received no email on this nor confirmation number on my complaint, but when I called again, they had it on their record ) On XX/XX/XXXX, I did the same thing again. I logged in, changed my account, clicked submit, and made the payment. Immediately after, I called, and asked them to run my debit card to make the payment since It was going to tell me {$0.00}, and I would be charged more fees. ( see second payment on XX/XX/XXXX ). 

The bottom line is, their edit feature on their page is faulty, and because of that, my credit score dropped over XXXX points. As you can tell from my history, this is not a normal occurrence. I would like to be credited all the fees, and the late payments removed from my credit report. I would really love to close this card, but I do believe it would cause much trouble with my credit score at the moment. 

I've attached a detailed document with screenshots for the incident as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the below letter to Transunion. 

To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Transunion continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Transunion. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Transunion, this should be removed, correct? I was not given any additional information on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX 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

My credit report as of XX/XX/2022 is still showing XXXX XXXX XXXX when company cease, agreed to stop reporting that account in the case with CFPB
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration regarding the numerous unsuccessful attempts and delayed correction of the late opening of my accounts with Credit Bureaus. Despite multiple communications and persistent efforts on my part, the issue of late account openings persists, causing significant inconvenience and frustration. 



Initial attempt to open the accounts was made, but I encountered issues with the process. 

Contacted customer service immediately and was assured that the issue would be resolved promptly. 

Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Subsequent attempts to open the accounts were made, yet the issue continued to persist. 

Numerous calls and efforts were made to customer service, each time receiving assurances that the matter was being escalated, but the accounts remain unopened. 

The prolonged delay in correcting these issues has not only hindered my ability to access the accounts ' services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings.

Transparent communication regarding the steps being taken to correct the issues.

Swift resolution and correction of the account opening problems, with confirmation of the successful resolution.

Assurance that these issues will not impact my accounts ' functionality or standing once resolved.

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings.

I insist on a resolution within the exact time frame from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct the late open accounts in my credit file XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX Balance : {$20000.00}.
Product: Debt collection

In XXXX of 2022, we tested a wifi hotspot from a locally-owned XXXX store in on XXXX XXXX in XXXX, MO. 
We returned the device within the 30 days required for a refund due to the inefficiency of the bandwidth of the item. 
The store claims that they never received the device back. 
We went by the store after receiving the bill to confirm that they had the device and were going to correct the amount owed. They agreed. 
The next month the bill came and still showed the outstanding amount, so we then called XXXX customer service line. They created a case and ensured us they would correct the fee after talking with the store. We called again and confirmed same thing 1 month later, but to no avail... the charge remained and ultimately went to collections. We do not own or use this device and returned it within the proper time frame that was required, therefore we do NOT owe this fee.
Product: Credit reporting or other personal consumer reports

Hello there, I was placed in check systems for suspected fraud from Bank XXXX XXXX. I am a victim of identity theft. I had an account that was closed XX/XX/XXXX underneath my social. I had no idea about this account at all until I tried to open an account with XXXX XXXX XXXX XXXX XX/XX/XXXX. I was instantly denied, I had asked the reason for the denial and the representative told me over the phone XXXX receive my denial letter in the mail XXXX business days. On the denial letter I they showed me what was on my consumers report. And I seen suspected fraud from Bank XXXX XXXX. Which was an account I never opened to began with! Im unsure of what to do, someone told me I could report them on here and also file a police report as well.
Product: Debt collection

I never was severed paperwork to me at my home and they sent a garnishment to my job on a debt they say was from XX/XX/year> which I believe to be not within statute of limitations. On paperwork it doesnt say who the original debt is from and when I ask them they say like three different companies. Can not provide me with a full account number or any sign proof of debt that I believe is over 7 years now. Its not even on my credit report that I believe but I dont have enough information to know for sure
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my credit score with XXXX and Experian was XXXX, I am not sure what XXXX was, but it was running close. During that time period, XXXX XXXX offered me a credit card for a $ XXXX limit and I thought that would be a good card to have and I was approved. Shortly after I started getting calls for a mortgage loan which I was planning to do anyway because I have been working on buying a home for the past year. 

Maybe I misunderstood, but I was under the impression while looking for a mortgage loan it wouldn't affect my score. I guess I was wrong because my score is now down to XXXX and only went down after 3 attempts of talking to loan companies and giving them the right to check my credit. I have good credit and I have worked very hard getting it but it seems like all three credit bureaus refuse to allow me to keep it. There are inquiries I don't recognize as well and all are considered hard inquiries. I lost XXXX points for inquiries? Why? When I am trying to make my life easier and better, it makes no sense at all and I am very upset with this dictatorship of my personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian... Certified mail with my complaints .... I even filed several complaints with the CFPB ... with the same issues and they did nothing. Under 15 USC 1681 i have the right to privacy, and I did not give Experian, XXXX, or, XXXX written permission to report any of these items. under 15 USC 1681 602 ( 4 ) 604 ( A ) 623..This federal law spells out the duties of a data Furnisher..Under these standing laws ... these bureaus are acting Misleading, and fraudulent by continuing to report fraudulent and misleading items on my bureaus ... All the following items must be removed, because of the fraudulent acts ... and there inaccuracies. they are the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .Experian is still reporting my 2015 bankruptcy... they are using a 3rd party data provider XXXX XXXX, or organizations like that to obtain information..illegal ! The courts do not provide any information. XXXX XXXX XXXX is still reporting on these bureaus..I had XXXX XXXX, so the debt was paid and should report accordingly! Last, these hard inquiries should be removed because these fraudlulent.. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all names and addresses, jobs that doesn't match my current information must be removed
Product: Credit reporting or other personal consumer reports

I am writing in response to their recent decision made on XX/XX/year> to deny my request for the removal of the " charge-off '' status and other negative remarks from my account which I requested on XX/XX/year>. I strongly disagree with their decision and am formally demanding a redetermination based on several legal grounds. 

Firstly, under 15 U.S. Code 1692g - Validation of debts, only the original creditor has the authority to validate debts. As the original creditor, I assert that I do not validate these debts or accounts. Their attempt to present themselves as the original creditor is misleading. My signature and Social Security Number on the application signify that I am the one who granted value, thus making me the original creditor. Therefore, any claim of debt by their company is invalid and must be removed from my account records. 

Additionally, I wish to highlight that their company is in violation of 15 U.S. Code 1601, which outlines the necessity for transparency and fairness in credit transactions. Their failure to comply with these regulations is unacceptable. Moreover, under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance, their company 's actions have caused significant harm to my credit standing.
Product: Debt collection

This complaint is regard to false inaccurate erroneous information on my credit report. Sentry Recovery has been reporting this false information on my credit account since XX/XX/2018. I reviewed my credit report and noticed the amount that they claim is owed has changed several times from {$1100.00} to current {$1300.00}. I have been in contact with the original creditor and they are not able to provide me with any records on why any balance is on my account or the reason a balance is going up. 
This debt is not mine. Also I did not receive any notification of any debt being added to my credit profile which from my understanding is illegal. 

I have spoken with representatives at Sentry recovery on several different occasions due to them harassing me over this alleged debt. They have not been able to provide me with any breakdown of fees, deposits or pictures of any alleged claims for an account. I have spoke with XXXX XXXX, XXXX and as well XXXX XXXX just to name a few. 
Each call ends with them either hanging up due to them not being able to verify any info or long wait times. These communications have been made over the course of three years too long.If they are not able to provide these things then they should not be legally able to collect. 

I have disputed this information with the major credit companies and this false account has been removed from each except XXXX. They claim this is a valid account but are not able to provide with any validation such as records, price breakdown or fees. 

This account is affecting me in many ways. My next steps is a lawsuit for deformation and reporting false information. Please remove Sentry Recovery Collections from my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 PREVIOUS ADDRESS : 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

Equifax is dysfunctional. 

A bank loan that I have apparently sold itself to a different facilitator. I had nothing to do with it. I continue to owe the money and pay the money, on time. Equifax showed this as a " closed '' account. I disputed that and explained it was not closed just that the loan had been sold. Simple. Easy.  Not a big deal. Except they do not have a process that works and since they handle our credit that is wrong. 

So they send me a notice that it has been handled. They repeatedly send the dispute confirmation number of XXXX by email. The email instructs I view the results. When I do it asks for a litany of information including social security number & birthdate. It does not ask for the confirmation number. When I submit that info it tells me they need more info and provide a phone number. That phone number is automated and does not offer a path to view or hear the resolution. 

So I find another number, and finally get a human but I can not understand her English. It was very difficult to understand her. This person asked a series of questions that are difficult to answer like did I ever have a bank loan, with whom and what was the balance. There are ten or more of these questions. Over 40 minutes on the phone. When I finally pass the test she can tell me nothing. 

Today another email came. Same drill. Same process except I am writing you instead of calling where ever their call center is located to repeat that awful experience. 

Equifax is dysfunctional. Their on-line dispute process does not work. It is torture, They should not be allowed to handle Americans credit information.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is regarding an account on my credit report that lists XXXX XXXX as the original creditor of account XXXX. XXXX is reporting 180 days late in XXXX of XXXX and 180 days late in XXXX of XXXX  ( credit report attached ). How does the meet FCRA regulations? The vehicle in question under the laws of XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. I requested XXXX XXXX proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS, 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. The company was required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. No such proof was provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency is considered null and void, and any continued reporting of this invalid claim on my credit reports will be considered a violation of the FCRA. XXXX and XXXX have deleted this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX weeks ago, a collection account popped up on all three of my consumer credit reports from a company called The XXXX XXXX. This is a MEDICAL collection that I absolutely, positively DO NOT OWE. Additionally, I NEVER ONCE signed a HIPAA release form to allow my private, protected medical records to be shared with ANY outside parties, including this collection agency. I have reached out to The XXXX XXXX MULTIPLE times and even sent their CEO an email, but they have chosen to completely ignore me, which is a blatant violation of my rights under FCRA. I have additionally disputed this account with all three credit bureaus ( XXXX, XXXX, and Transunion ), and they have entirely failed to delete this erroneous, slanderous medical collection account. First of all, because this is a MEDICAL collection, this is treated much differently than any other collection due to the sensitive nature of the information being collected on. In order for The XXXX XXXX or any of the credit bureaus to validate this debt, they would need to be able to provide a FULL BREAKDOWN and explanation of exactly what medical services I received that I owe this alleged debt for. However, they CAN NOT do that because I never signed a HIPAA authorization allowing this information to be shared with any parties outside of my medical provider 's office. Therefore, NO ONE is allowed to have access to this information but myself and my medical provider. Despite my disputes with XXXX, Transunion, and XXXX, they have somehow " verified '' this debt and left it on my credit reports. They have no way of verifying this debt because, under HIPAA laws, they should not have access to the information required to verify or validate anything about this alleged debt, which I do not even owe. They can not tell me WHAT services I allegedly owe for because that would be a violation of HIPAA if they had access to this information. I am hereby DEMANDING that this erroneous collection account from The XXXX Agency be IMMEDIATELY deleted from my credit reports. Otherwise I will be pursuing legal action for not only false reporting, but violating my HIPAA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX on XX/XX/2020 I pulled my credit from Experian.com. numerous accounts were open without my knowledge nor consent. ( Details of these account will be found in my dispute letter ) These accounts were open after someone who broke into my car & stole my personnel info, causing me to be a victim of Identity Theft. Please remove these fraudulent accounts from my credit report as they do not belong to me.
Product: Vehicle loan or lease

Exeter finance has been one of few creditors who is reporting late payments and charge-off ( s ), multiple times on the account inaccurately and derogatorily since account was closed. Investigate the creditor 's recorded phone conversations with me and you will find out that I paid the last payment in full however much the payment was, in XXXX. They have went as far as reporting a new charge-off date ( s ) in XXXX due to the account reporting derogatorily inaccurate accounts for the length of time IT has. I can't have XXXX charge-off dates all reporting as accurate XXXX in XXXX and a new one in XXXX reported as accurate. Late payment history was also investigated and is proven in accurate via comparison between credit reports from the XXXX major credit bureaus. I've requested that the company investigate and provide further insight into my payment history and derogatorily inaccurate reported charge-off ( s ). They told me that it's the credit bureau 's responsibility to provide a thorough and accurate credit investigations to the customer and not the creditor 's fault if something is reported as verifiably accurate. The bureaus rely on creditor 's records for accuracy. This company can't even tell me anything about my reported past payment history or why the account is derogatorily compromised by charge off ( s ).