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

I recently filed a chapter XXXX bankruptcy. The account XXXX XXXX  with the original creditor being XXXX was included but is still showing as an open account with a XXXX balance. I have tried disputing this through transunion several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am wondering why my Kohls and Cabelas account show up as Derogatory information on my credit report. My Kohls card I use and pay off so I do n't know why they should harm my credit score. My Cabelas account should be closed, I do n't even have a card for it anymore. I called Cabelas the  first week in XXXX 2017 and asked them if I still had an open account with them, I gave them all my information and they told me that they had no account with that information anymore. So I took that as my account was closed and no longer active. That should not be harming my credit score. I have no balance, I have had no late payments, nothing. Can  you please help me get these off my account as something bad. Yes I have a lot of student loans, but I pay them. I do n't need an account I do n't even have harming my score for the future. Please help. Thank you. XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I have sent numerous affidavits and police reports to Total Card, Inc., in reference to the following account : *******************. The reference account do not belong to me. I want Total Card, in the spirit of good customer service, to close the above referenced account. Cease and desist all collection efforts immediately and permanently and have the account, deleted from my XXXX credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had -- -First let me start by saying I might not have checked the right complaint box. This is my problem.. I had a XXXX  credit score with experian credit bureau for the last month. Now in this month they tell me that my credit score dropped 10 points because I had an inquiry with XXXX. Does my XXXX credit report have a bearing on my Experian credit report. If so why not just have one credit bureau and be done with it. Also if that is the case, XXXX  only dropped my score by 2 points so why isn't Experian following suite . Is there a government website I can go to to find out my rights with credit reporting. Is this legal
Product: Checking or savings account

My account was restricted on XXXX XXXX XXXX after I deposited a check from XXXX XXXX in the amouint of XXXX. I have been told the reason that this happened was because "due to activity that is outside of Navy Federals acceptable level of risk." I was informed on XXXX XXXX XXXX "our branch representative contacted the paying financial institution and was advised that the check was altered and would not be paid. Therefore, the funds will not be released, and the account restriction will remain permanently." I have now been in contact with XXXX XXXX and have received two official letters proving the legitimacy of the check deposited. The letters from XXXX XXXX provides the check number, a copy of the check that was deposited into my Navy Federal Account, the amount of the check, the date the check was paid, and any other information that would be necessary to prove the legitimacy of the check I deposited into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX data breach victim. I was a part of the class action law suit against XXXX and was awarded some financial relief in reference to my information being leaked on the dark web. 
This is a violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ). 
I am submitting an identity theft report along with other personal identifiable information. 
Here are the fraudulent items that are a result of Identity theft : XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX These items are combined {$5600.00} of debt that I can not afford to have on my credit report. 
Experian credit report # XXXX I have filed a report with the Federal Trade Commission report # XXXX and attached it in this complaint. 
I have also attached personal identity verification documents in accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ) Which requires a personal statement, Identity theft report and Identity verification documents such as a drivers license and social. Thank you.
Product: Debt collection

On XX/XX/XXXX I sent NCB Management Services a Cease and Desist letter that was delivered and signed on XX/XX/XXXX.

On XX/XX/XXXX I sent NCB Management Services a copy of a complaint letter that I sent the Bureau of Financial Protection. The letter was delivered on XX/XX/XXXX.

NCB Management Services has not been in compliance and are in violation of the FCRA and FDCPA. Please see enclosed documentation
Product: Checking or savings account

Bank of America frequently changes the date of charges and arranges them in a way that causes the consumer to go into debt. They pull money out when asked not too. They turn off overdraft protection when the account is created with it. Contacted the company but was told that there wasnt anything they could do.
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 one 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 payment, I have attached a copy of my report to this complaint on the following dates ( XX/XX/2024, ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt accin.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Payday loan, title loan, personal loan, or advance loan

I received notification that I received an inquiry for a loan from Continental FinanceXXXX. I didnt applied to this loan nor did I agree to have my information used to process the application. I also received their credit card. Again, I didnt applied to the credit card as well. I attempted to call the Bank however I was on hold for XXXX hrs. 

Thank you XXXX XXXX Continental FinanceXXXX XXXX XXXX, XXXX from XXXX
Product: Debt collection

To whom this may concern, Ive reached out to Lexis Nexis and got a letter saying they do not have anything on record. As of XX/XX/XXXX. 
XXXX gave the same response as of XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX I got a notice that my account was restricted without providing information about why. Robinhood claims XXXX support but this is untrue since because I had no way to contact a person. The app won't let you call anyone and you can't reach Robinhood at all outside of the app. I can't start a chat with anyone the app only gives me the option to say everything is ok but it's not. I literally have no way to communicate with a real person.
Product: Student loan

I was attending XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I read about the school closing so I withdrew on XXXX/XXXX/2014. My Federal Loans are qualified to be discharges since I withdrew after XXXX XXXX, 2014 but I still have {$9200.00} in private loans to pay off. My private loans were from XXXX XXXX but they transferred my loans over to University Accounting Service , LLC . I would like to know if there 's anything possible I can do to relief my loans or some of my loans. I was able to transfer some credits out but not all. I was not able to continue my XXXX program so I am currently in a different program. If someone can please help with this situation, I would be very grateful since I could not get any information on private loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX  Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed XXXX charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX  {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kovo Credit reported on my XXXX credit report as if the account I opened with them was a collection and I settled for less than what they lent me PLEASE SEE ATTACHED ). Based on Kovo credit website, it is a credit builder company. That have a monthly service for some sort of downloadable books or pdf 's. Nowhere on their website does it says you can cancel and if you cancel you will be penalized. I have attached screenshots from their website and the only email screenshots that I have. Nothing mentions any sort of cancellation repercussion. I signed up for their membership ( NO CONTRACT ) on XX/XX/XXXX and made the first payment, I made another auto payment from my account on XX/XX/XXXX, and on XX/XX/XXXX I sent them a cancellation email. On XX/XX/XXXX they responded to the email and acknowledged they cancelled my account per request and will be sending me my money back ( SEE ATTACHED ). 

Under no circumstances did I get any credit from them or services from them, for them to inaccurately flag my report as " Settled Account '' and report it negatively. THIS IS MISREPORTING. THIS MISREPORTING CAUSED MY CREDIT SCORE TO SIGNIFICANTLY DROP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  Original creditor XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX  XXXX Balance {$1700.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$44000.00} XXXX XXXX  Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for the violation of my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). Despite providing TransUnion with all necessary documentation, including the FTC identity theft affidavit, Police report, proof of identification, and proof of residency, TransUnion has failed to comply with the statutory mandate to block fraudulent information from my credit report within the stipulated timeline. 

Once again, I am attaching all of the required documentation to this dispute to show that TransUnion has everything they need, as per the law, to block these fraudulent accounts. 

The specific issues I am facing involve the presence of multiple fraudulent accounts that are causing significant distress and financial disruption. Despite my status as a victim of identity theft and having reported the incident to both the Federal Trade Commission ( FTC ) and the XXXX Police Department, TransUnion has not taken the necessary steps to block these accounts from my credit report. 

Furthermore, I have requested TransUnion to block all addresses not belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report. I have also requested the removal of all aliases not limited to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the elimination of employment information not associated with XXXX XXXX. TransUnion 's failure to adhere to these directives exacerbates the inaccuracies and financial impact caused by the identity theft. 

I have previously communicated these concerns directly to TransUnion, as detailed in the attached correspondence. Despite these efforts, the issue remains unresolved. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that TransUnion complies with the law and takes immediate action to rectify these issues by blocking the fraudulent accounts, removing unauthorized addresses and aliases, and eliminating incorrect employment information from my credit report. 

I appreciate your prompt attention to this matter and request assistance in resolving this issue in accordance with the FCRA and consumer protection laws. 

Sincerely, XXXX XXXX
Product: Credit reporting

I 'm writing with regards to a dispute I did with Experian in regards to an incorrect item on my credit report. They came back and somehow initially not only verified the inaccurate item but updated it as me being 90 days late back in XXXX 2015. I was not even late and there was no payment history for this item yet somehow they managed to not only verify but also update the reporting as me being late!!! 

I have contacted the original creditor XXXX XXXX with regards to this item and they have no records of it, subsequently neither XXXX or XXXX has this on my reports. 

Yet again I disputed this item through the mail both detailing the fact that I could not possibly be 90 days late on an account that was not suppose to be on my record in the first place. Amazingly the account also shows that its closed with no balance and no payment history, yet I 'm 90 days past due for the month of XXXX 2015 somehow?
Product: Credit reporting or other personal consumer reports

TransUnion, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The listed inquiry was without authorization , and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 
Sincerely, your signature Your Name SSN # XXXX Copyright XXXX, XXXX XXXX, XXXX XXXX All Rights Reserved. XXXX XXXX XXXX.
Product: Credit reporting

I have disputed with the credit burea regarding an inaccurate public record ( Bankruptcy ) being reported on my credit report. I never file for bankruptcy. I contact the BK courthouse, and they agree, they do not report to the credit agencies, and they are not responsible for inaccurate records being held at third party companies. I have also sent a copy of my dispute letter to the Transunion XXXX XXXX CEO. I never filed bankruptcy and Transunion is in violation of the Fair Credit Reporting Act 623 ( a ) ( 3 ) My next step is to file suite against Transunion, they have never verified and validated with the BK courthouse, like they claim, I know this, because the BK court house does n't communicate to the credit bureaus. They are getting information from thrid parties, which there information most of the time is not accurate.
Product: Debt collection

First Financial Asset Management Inc, contacted my father on  XX/XX/XXXX  to attemp collection on a debt i no longer owe in  the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.
Product: Debt collection

I had used XXXX  to Enroll my XXXX  checking account to be used with the XXXXXXXX XXXX account that's XXXX XXXX XXXX offers through their XXXX XXXX. XXXX took my XXXX log on credentilals and was able to send the relevant information to the XXXX XXXX account XXXX offers on there XXXX XXXX. I can confirm the account was correct. Purchases I made with the account some reason they did not get the information at my bank no proof that an attempt was made. The unpaid balance is now sent to checkredi within 2 days and they are charging a XXXXXXXX XXXX fee per transaction there are 4 more left and they allowed me to not pay the fee on the first 2 so I don't understand why they wouldn't for these others. Same issue.