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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX- XXXX XXXX  XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$8700.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX  : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  : {$470.00} ; XXXX XXXX XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX  : {$540.00} XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) XXXX XXXX : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  : {$450.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX {$540.00} ; XXXX XXXX XXXX  : {$7100.00} ; XXXX  XXXX XXXX  : {$1700.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX  : {$7200.00} ; XXXX XXXX XXXX  : {$7100.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

My business banking acount with bank of america was locked on XX/XX/year> for suspected fraud because I ran payroll using XXXX  and changed the verification phone number. I have spent XXXX hours on the phone with customer service agents, sales, fraud deparrment and others trying to regain access to the account. The only " solution '' offered is to walk into a branch. I live in XXXX and there are no branches here. I need access to my accounts restored and restrictions removed. This is drastically negatively impacting my business.
Product: Debt collection

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Experian are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Product: Credit card

On XXXX the XXXX 2023 I ordered 2 leather women 's purses from Kohl 's department store online. 

Both of the items was charged to my KohlsCharge account ending in XXXX. 

The first amount charged to my account was A {$120.00}. For a women 's black leather handbag. 

The second amount charged to my account was. A {$150.00}. For a women 's red leather handbag. 

Unfortunately, when the items arrive, they were damaged within 5 to 7 business days. The merchandise was returned to my local Kohls, department store in XXXX, California. 

Kohl 's refused to give me my entire credit. 

I have spoken to the corporate offer several times I have spoken to my local clothes. Department store several times What I have been informed each and every time because the merchandise was on sale. And the cold cash dollars was used. I have to pay for the cash dollars that was used. 

My question to everyone that I have spoken to is if I have kept the merchandise. What would I have to pay for? 

What amount would be charged to my credit card? 
Apparently when Kohl 's allows the customer to use the cash dollars that you have on your account. Due to prior purchases, you build cash dollars. They're apparently upset when the merchandise is returned. So they're charging you the cash dollar fee and not giving the customer the entire credit amount that was charged originally to the credit card. 

I filed a complaintwith the complaint resolution department and disputed the charges. That have appeared on my call statement. Those charges are basically a return fee or a stocking fee for the items. Return back to the department store. 

Due to this ongoing unfair dispute, kohls has reported a negative reporting for my credit bureau. Reports have called me Repeatedly harassing me. 
And has emailed me with a fraudulent statement indicating that I try to access my account online. I've never access my account online. It's going harassment.
Product: Debt collection

I have received two separate letters in the mail 2 days apart from Linberger Goggan Blair and Sampson LLP addressed to myself but with a XXXX at the end ( I am not a XXXX ) claiming that I have unpaid tolls in both Delaware and Pennsylvania dating from XXXX to XXXX. I was never in either state during that time period - we were locked down due to COVID. 

They claim to be the collection agency for both states. They list a Pennsylvania license plate number as the vehicle I used. I do not have a car registered in PA or a license plate with that number. I live in Massachusetts and have two vehicles registered in MA. 

I called the number they provided in the letter, spoke to a representative and told the woman that I thought I was a victim of fraud. She put me on hold. Came back on the line and said very nervously " This call has been compromised '' and she hung up. I then contacted the law firm using another number and spoke to the " office manager. '' I said that I was convinced it was fraud and I was not paying the bill. He hung up on me as well. 

This is all very suspicious and it needs to be reported and addressed. Either the law firm is real and has fraudulent information, or this whole thing is a scam. They would not have. hung up so quickly if it wasn't fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX 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 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 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. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My wife and I were in XXXX XXXX for vacation and ate at a restaurant called XXXXXXXX XXXX XXXXXXXX. The bill was {$61.00}, including a tip. The restaurant submitted the bill to Citibank for {$660.00}, adding {$600.00} to the bill. I contacted Citibank and told them of the error. I provided a copy of the menu and precisely what we ordered. I also noted that XXXX other couples were with us and, therefore, we had XXXX eyewitnesses to the fact that we did not spend {$660.00}. 

Citibank did not honor the dispute and I called them to determine why. the call took place at XXXX XXXX. on XX/XX/XXXX. I spoke with XXXX in their Fraud Department and XXXX in Arizona, before being transferred to a supervisor named XXXX. He told me that they were denying our challenge of this charge because they had reached out to the merchant XXXX teims and the merchant had never responded to them. So, despie the evidence submitted to Citibank of apparent fraud, they took no action because the perpetrator of the fraud did not bother to return their call. 

Citibank says that it provides fraud protection for customers. This episode appears to offer evidence that this claim is inaccurate and a fraud committed by a vendor will, in fact, be protected even if the vendor chooses to wholly ignore Citibank. It is difficult in this case to ascertain who may have committed the larger fraud, XXXX XXXX XXXXXXXX or Citibank. 

I further note that I have had my Citibank card for more than XXXX  years and have never previously lodged such a fraud complaint.
Product: Debt collection

The company is Account Recovery Services. I received phone calls from this company daily sometimes two or three times a day. I have called them back several times requesting information on the debt so I can verify its legitimacy. The company has refused to send me any information. On XX/XX/XXXX sometimes in the XXXX XXXX hour, I received phone call from them. I returned a phone call and the person on phone transferred me to a young lady who called herself XXXX. Again requested information to verify that the company is a legitimate company and the debt is mine. XXXX stated that I just need to send money and paid the bill. I told her that I was not going to send money to a company whom I dont know. I again asked her to send me information to verify the company and the debt. She again refused and said I needed to pay {$1100.00}. I stated to her that I was not sending money to a company that I was not sure was even a legitimate company. I also told her that the fact that she was refusing to send me information made me believe that she was a scammer. That made her angry, she started yelling insults and called me broke. I hung the phone up in her face. I am a professional middle aged woman. I refused to be harassed by this company. If they had sent the information and I verified the company and the debt, I would have paid it, I believe this company is a scam. If not their conduct is very unprofessional. Please address this issue and I appreciate your time in the matter. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was an inaccurate reporting on XXXX credit report XXXX I already file a dispute on this last XX/XX/XXXX and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
Product: Debt collection

I dont recognize this debt. From Ad Astra recovery service. Account opened XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting this procedure in case of disputed completeness and accuracy.

15 U.S.C. 1681 Section 602 : States I, the consumer have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681b ( a ) ( 2 ) Permissable Purpose Can you please reinvestigate the accuracy and completeness list of accounts below : Account # XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Today XX/XX/2017 a woman stating to be with the county of XXXX ( but when asked would not give her name or department ) called my mother on her personal cell phone looking for me, she stated that she had a process server within 30 minutes of my mothers address and that if I wasn't there they would sue my mother. After my mother was hung up on they called her back 5 times, she picked up the phone to tell them they had the wrong number and a gentleman this time said " We know who you are ( my name ) '' when she told them her name his response was " sure you are, we will be there in five minutes you better have photo id ''. 

My mother is XXXX and is in no way financially responsible for any debt I have incurred. I have spoken with this company many times and disputed the debt as I have proof it was paid off. Now they are harassing my mother illegally and causing her and I both undue stress.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : DPT EDXXXX Account Number : XXXX Dates of Late Payments XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by DPT ED/XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank records, the payment was made on time, and there should be no late payment reflected in the report. I have enclosed bank statements showing the exact date of the transaction. 
Creditor Acknowledgement Delay : The creditor accepted the payment but failed to update their system promptly, resulting in an unjustified late payment entry. I have included communication from the creditor acknowledging the delay on their end.

Miscommunication from Creditor : There was an error in the creditor 's communication about the payment schedule, which caused confusion about the due date. This confusion was acknowledged by the creditor, and I have included the relevant correspondence as evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted within four ( 4 ) business days from the company Experian credit reporting agency. My last four ( 4 ) of my social is- XXXXXXXX XXXX XXXX My name is XXXX XXXX. Accounts : XXXX XXXX XXXX XXXXXXXX {$410.00}, XXXX XXXX XXXX {$280.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX {$82.00}, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX {$900.00}, XXXX XXXX {$2100.00}, XXXX XXXX XXXX XXXX XXXX {$19000.00}, XXXX XXXX XXXX XXXXXXXX {$950.00}, XXXX XXXX {$3800.00}, XXXX XXXX XXXX XXXX {$810.00}, XXXX XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX XXXX {$2100.00}, XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$1700.00} As per the guidance from the CFPB, the documents needed is a picture ID, a bill and a letter from an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according trafficking debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block and delete this information from my credit report with in four ( 4 ) business days pursuant to 605C of the Fair Credit Reporting Ac. I have given you my information as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1002.142 ( b ) ( 6 ) please remove fraudulent address off of my report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I complained to you with complaint XXXX, and the bank responded with old bills on the account I closed. The sen t me the same bills. They did ot respond to you or me on why after closing the account paying some money, and receiving some money back, and they cut up my bank card, my account was closed.Later they said the Cash Advance wasn't closed... it was part of my account... bank SCAM. A few months after closing he account I got a bill for {$26.00} for the fee on the Cash Advance the a few months later a bill for {$56.00} for the same thing, then again a bill for {$76.00} for the same thing... .SCAM