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

In accordance with the fair credit reporting act XXXX Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter displaying the requirement of an inquiry removal from XXXX XXXX XXXXXXXX in XX/XX/XXXX. They recieved the letter yesterday on XX/XX/XXXX. they emailed me a notice of dispute completion yesterday on the same day of recieving my letter. I called them today on XX/XX/XXXX and they told me that they don't investigate disputes for inquiries unless its on an open account. 

I highlighted the FCRA 604 - 15 U.S.C. 1681b. This states that A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

I also have highlighted the fact that they are in violation of 15 U.S. Code 1681i which states that the reporting agency must conduct a reasonable investigation after receiving a dispute from a consumer. since they received my letter and closed the dispute on the same day it is clear that they did not conduct any reasonable investigation.
Product: Debt collection

A balance of XXXX was placed on my credit report by a company named Transworld System Inc/XXXX  I never heard of this company and never had a contract with this company. 


This false information need to be deleted ASAP from my credit report. NO CONTRACT with this company.
Product: Bank account or service

Someone stole our debit card number and more than {$7000.00}. out of our BB & T bank account. My husband had the card in his possession, but when he used it, it must 've been copied or however criminals do it. I made a claim with the fraud department at BB & T bank and also a police report at the XXXX XXXX XXXX XXXX. I was then in a letter denied by BB & T for the return of our money. All of BB & T workers at the XXXX, Florida branch do not know policy and give you a complete runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are inaccurate, the balance status and date of payments are inaccurate. I have reported this to the bureaus, but I did not receive any response.
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 on 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 are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I RAN MY CREDIT AND FOUND SEVERAL ACCOUNTS THAT ARE NOT MINE. i NEED THEM DELETED IMMEDIATELY.. I HAVE ATTACHED AN IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS.
Product: Debt collection

Complaint Regarding Illegal Collection Practices Hunter Warfield , Inc .

To Whom It May Concern : I am writing to file a formal complaint against Hunter Warfield , Inc., a debt collection agency that has engaged in unfair and deceptive collection practices related to an account I have disputed as fraudulent ( Account # [ XXXX ] ). 

Despite providing the following documentation to Hunter Warfield : A police report documenting identity theft, and A Federal Trade Commission ( FTC ) Identity Theft Report, Hunter Warfield has failed to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). They continue to pursue collection efforts, including sending emails and legal notices, which have caused undue stress and financial burden. 

Specifically, I have requested : A copy of the original lease agreement, including my alleged signature. 
Proof of the identity verification process.

Payment records associating me with this debt.

Hunter Warfield has failed to provide these documents, violating 15 U.S.C. 1692g ( b ). Additionally, their continued collection efforts violate 15 U.S.C. 1692d, which prohibits harassment.

I request that the CFPB investigate these practices and take appropriate action to ensure Hunter Warfield ceases unlawful collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO UPDATE/ CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 

PLEASE UPDATE : MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
MY ONLY LEGAL NAME : XXXX XXXX XXXX XXXX MY ONLY SOCIAL # XXXX MY ONLY DOB : XX/XX/1993 SELF EMPLOYED I DO NOT WISH TO HAVE ANY TELEPHONE NUMBERS ON MY REPORT. 

PLEASE REMOVE ALL THE OTHERADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA, SINCE THEY ARE INACCURATE.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX, XXXX and Transunion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX UNIV Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; COAF Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX  which I disputed this account with the Bureau back XXXX XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Kohl 's / CapitalOne - Potential Usury.

I am submitting this complaint on behalf of consumers who may carry a balance on their Kohl 's cards. 

-- -I opened an " un-dated '' letter today ( XX/XX/2025 ) regarding an upcoming Revised Terms to my interest rate, and interest calculation. 
-- -The only recourse provided is to call and close the account, which obviously implies having to pay it off in full. 
-- -Interest charges changed to **DAILY** periodic rates from monthly periodic rates. 
Daily interest charges would continue to be charged if you carry any balance at all ( which is normal ). 
-- -New rate : 30.74 % ( Variable ) -- -Fortunately, I have no balance on this card, nor will I use it. I will not be harmed by this.

-- -However, for the average person, this could cause some serious harm to those who can not afford to pay off their retail credit card in full before the end of XXXX.

-- -The notice clearly states that any amount carried forward in a month would be subject to the daily interest charge. 
-- -This, combined with the ONLY form of recourse being to call and close the account, implies a " Pay in Full and Close Account '' or " Pay in Full to Avoid the Change '' option. -- -- -There is no way to not Pay in Full and still avoid this change. 

It is normal for credit cards to charge interest. However, the change from monthly interest, to daily interest, when this a variable rate debt, will probably lead to a lot of people simply getting stuck. There needs to be an option provided to consumers which *does not* require paying in full by the end of XXXX. I also question the timing of this letter ; It is just after the holidays, when balances would be highest for most people. Had they known earlier last month, they may not have charged as much to their cards. Frankly, I find this predatory.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the 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
Product: Credit card

For the past 2 weeks I called Costco Citi business credit card 10 times. Each call was 40minutes long. The fraud department constantly calls if someone opened a new card under my business name. I selected yes through text messages and phone calls. Each time we are making purchases at Costco hence Costco Citi credit card. It declines even with monies within our limit. After my frustration and bad customer service I requested to speak with the supervisor since I called so many time that my cell phone to send a clarifying text message was over used. I needed to go to my place of business to answer my the phone. Otherwise they would have to send a letter with directions on what to do next. This would disrupt my business as I need to make purchase for my business. Every call I made with with assistance with no prevail. Each time the agent would have to patch me to a supervisor and he or she would then tell me i would have no more problems. Today XX/XX/2023 they called my store, called my cell phone and texted messaged me twice today. I dont understand why this keeps happening. I wasn't rude to any of agents. I did express my frustration and confirmed if anything i could do, but at this point I do feel this was intentional. All I wanted was to have a good service with zero hick ups on my purchase. I spend about $ XXXX a week! On business purchases!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- balance owed incorrect . Total loss paid Personal Name reported XXXX XXXX XXXX XXXX-error XXXX XXXX All reports XXXX XXXX XXXX XXXX XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove the following account : XXXX aka XXXX aka XXXXXXXX XXXX account number : XXXX XXXX aka. account number XXXX aka : account number XXXX unsure why one account reports as three different names per consumer report with three different accounts numbers a different one on each report from my consumers report. 
Also remove all late payments attached with a XXXX account and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit card

I believe Capital One wrongfully charged me interest on my credit card account a day after I paid my credit card in full. My payment was due on XX/XX/year>, but I made a payment at one of their branches on XX/XX/year> and my receipt stated the credit would be on XX/XX/year>.
Product: Debt collection

They sold my medical informationto another creditor and its a HIPAA violation to send information to another company
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by XXXX XXXX. Specifically, I have been reported as delinquent by XXXXXXXX XXXX and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by XXXXXXXX XXXX as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by 15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy. 

Furthermore, per 15 USC 1666b, a creditor such as XXXXXXXX XXXX  is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my XXXX, XXXX, and Equifax credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by XXXX XXXX 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my XXXX, XXXX, and Equifax report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.