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

I pulled a copy of my credit report and noticed XXXX transactions that were not originated by me, XXXX XXXX. 
Pusuant to multiple laws within USC 1681,6802 and USC 1681c-2. 
The following accounts need to be immediately deleted. 
These entrants constitute identity theft and need to removed from TransUnion and XXXX. 

XXXX XXXX XXXX- XXXX This company went bankrupt, and I am unable to contact them. Please notify the credit bureaus that these are identity theft and need to be immediately removed. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charge off account from XXXX XXXX XXXX XXXX with a balance of {$300.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4500.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TAB SUNBIT # XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXas proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XX/XX/XXXX XXXX XXXX XXXX {$4700.00} 2. XX/XX/XXXX XXXX XXXX XXXX {$940.00} 3. XX/XX/XXXX XXXXXXXX XXXX XXXX {$570.00} 4. XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} 5. XX/XX/XXXXXX/XX/XXXX {$380.00} 6. XXXXXX/XX/XXXX {$37000.00} 7. XX/XX/XXXXXX/XX/XXXX{$1400.00} 8. XX/XX/XXXXXX/XX/XXXX {$940.00} 9. XX/XX/XXXX XX/XX/XXXX XXXX  {$670.00} I have no knowledge of these companies and this is fraud because I have never signed any written documents stating this was me.
Product: Debt collection

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. 

LVNV FUNDING LLC {$780.00} I believe these companies has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint Equifax for violations of the Fair Credit Reporting Act ( FCRA ). The inadequacies of Equifax have resulted in incorrect and misleading information on my credit reports and has significantly affected my credit score and credit history. 

I submitted a complaint to Equifax regarding these inaccuracies. Equifax acknowledge my complaint which I was not aware of until it too late give feedback, However, Equifax did not conduct a proper investigation Ignoring consumers written request and verbal request showing negligence and adhesion agreement. Instead, Equifax continued to report the inaccurate information on my credit report, which had a negative impact on my credit score and credit history. 

Equifax mishandling and failure to uphold the provisions of the FCRA has caused me significant emotional and financial damage. I believe that Equifax has violated various provisions of the FCRA, including : - FCRA 607 ( b ) - Failure or possible inaccurate reporting of Credit Information - FCRA 611 ( a ) - Duties of Furnishers of Information upon Notice of Dispute - FCRA 616 ( a ) ( 2 ) - Civil liability for willful noncompliance I am requesting that Equifax be removed from reporting on my credit file and opt out of any credit Insurance and I rescind all agreements voluntary and involuntary. Furthermore, I am demanding damages for the emotional and financial distress caused by Equifax 's violations of the FCRA. 

Thank you for your attention to this matter. I am enclosing copies of my credit report, and complaint/notice of suit.
Product: Debt collection

A debt collection was entered XX/XX/2017 by creditor AR RESOURCES INC. The debt was for a total of {$1100.00}. The creditor did not attempt to notify me of such debt by mail, email or phone. I mailed a certified letter with signature service requesting in writing debt validation. I have yet to receive any said documents from AR RESOURCES INC, stating my legal obligation to this {$1100.00} debt.
Product: Debt collection

On XX/XX/year> a collection named Ability Recovery Services LLC have reported a collection on my account in the amount of {$540.00}. I have no idea where this collection come from Im a victim of identity fraud and have reported this.
Product: Debt collection

To Whom it may concern, XXXX sneakily entrapped me in a 12 month contract at the end of XXXX, 2022. I do not knowingly sign into long contracts and I stopped my service with the site 2 weeks to the date I signed up.. I trie dthree or four times to contact XXXX. They would not acknowledge the fact that I was wanting to end contract. They would not acknowledge that I had remove myself from their site. And, they sent my name to collections and tried to ruin my credit. This is not acceptable. What consumer does not have the right to disengage from a service. I have great credit and they are threatening to ruin it. I have already received a letter from XXXX, XXXX XXXX XXXX XXXX, IL. XXXX. XXXX. 
Please help me. 
In good health, XXXX XXXX
Product: Credit card or prepaid card

I am writing in regards to an issue with my Kohls credit card. It is a joint account with my husband XXXX XXXX In XX/XX/2022, I made what I believed was a full balance payment to my Kohls card. A {$21.00} charge that was posted to the account the day before my payment was not included in the balance at that time, but I believed it was. I was charged a late fee on the XXXX statement in error, as I made a XXXX payment that was greater than the minimum due. Another late fee was charged in XXXX. I was unaware of this because I am enrolled in paperless statements. I was not contacted by Kohls even though they have my correct home address, email address and mobile phone number. I only found out about the issue because XXXX XXXX sent me a message that my XXXX score had been effected. Although I am enrolled in paperless, I never recieved communication from them that my statement was available. Additionally, they offer paperless statements, but do not offer automatic payments, which prevented this situation. 

Since I was made aware, I have tried to contact Kohls on multiple occassions. I have twice waited through long holds times, only to be disconnected when I was finallly transferred to an agent. I have spoken to chat agents. On the first occassion, I was told that if I paid the {$21.00} transation, the fees would be adjusted, so I paid that amount. I contacted chat after that and was told they could not help me because my account was delinquent. 

Today we were working with a loan officer because we are looking to purchase a new home. I found out that this one issue, that stemmed from a {$21.00} transaction, has dropped out credit score by XXXX points. We both previously had XXXX XXXX XXXX credit scores and they are now in the below XXXX. This will make it very hard to get a mortgage. I am beyond devestated to be missing out on this opportunity beause of Kohls predatory practices. 

The fees associated with this issue have now accumulated to over {$140.00} since XXXX. Please keep in mind, the {$21.00} transaction was paid, per their instructions, and nothing was done to correct the account.
Product: Debt collection

This is additional documentation to fully explain the collection and it's lack of validity. This debt has past the statute of limitations as per the new law in California where a debt can not be collected or put on a consumers credit report if the last billing is 4 years or older. This debt is XXXX years old to date. Please review letter to explain all details and the exhibits to back up to include court orders, etc. 

I offered a settlement and the collector refused to make arrangements with even though I don't owe the money, he said he was going to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove the items that are opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. Specifically, I have marked the following accounts as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear NAVY FCU, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws applicable in XXXX, Missouri. 

It has unequivocally come to my attention that NAVY FCU has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Missouri state law, particularly in XXXX, underscores the importance of protecting consumers from unauthorized use of their personal information. Missouri 's Revised Statutes, Chapter 570 on identity theft, highlight the criminal implications of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I went to XXXX, WA branch of Chase bank to wire transfer money to XXXX. I wanted to send my sister XXXX XXXX yen, thus I asked bank agent is there any fee incur her to receive. He found out that XXXX XXXX yen would be charged, so I added XXXX. XXXX XXXX XXXX equaled {$430.00} at the day 's rate. I also paid {$50.00} transfer fee. At the end I paid Total {$480.00}. I let my sister know I sent her XXXX plus receiving fee of XXXX so she wouldn't have to pay any fee. 
However my sister only received only XXXX XXXX yen. She asked her XXXX XXXX the reason, Bank told her that they received only XXXX, the document showed XXXX was already taken as fee. XXXX XXXX said they charged fee of XXXX yen for my sister to receive. I also called the bank and talked directly several time. They explained money arrived Chase Japan and go through one other bank before come to their bank, however none of them charge fee. So XXXX has to be taken at Chase. I received copy of the documents from XXXX and emailed them to Chase agent. I went to Chase XXXX 4 times to discuss and called XXXX to dispute, but they do nothing, Chase had been insisting that the document indicate they sent XXXX.
Product: Mortgage

I have been trying DESPERATELY to obtain a mortgage modificationfrom BSI / XXXX XXXX XXXX, I have been LIED to misled, treated rudely, and continueously misinformed about the process needed to save myhome. I have hired a consultant to help me thru this process and theyhave received the same treatment, I was made to use my 2 two weekextensions to try to make it thru this process but this company hasfought me every step of the way, I am asking you PLEASE for someassistance in this matter My family and I are at our wits end, if you re-view this matter I am confident that you will see that this process hasbeen TOTALLY Flawed, My home is due to go to sheriff sale XX/XX/2015 and we ask that this receive your immediate Attention
Product: Credit reporting or other personal consumer reports

XXXX has been reporting false and inaccurate information on my credit files, reporting my account 30 days past due. I went into a hardship program approximately XX/XX/XXXX, with payments being set at {$110.00} due on the XXXX of each month. If payments are not received on the XXXX of the month, XXXX reports the payment as 30 days past due, no matter if the payment is made on the XXXX or XXXX of the month. 

Also, in or around the end of XXXX, beginning of XXXX, I reached out to XXXX in reference to my account balance, and scheduled payments. I asked XXXX rep. if my current payment plan of {$110.00} was up to date, because I had paid my balance down by $ XXXX {$400.00}. I wanted to know if my payment was going to be less than {$110.00} going forward, since the balance was lower. The rep. stated your PAYMENTS are {$80.00}, not {$110.00}, and I asked her if she was sure that my payment was now {$80.00}, she assured me that it was. Prior to this phone call, I made an early payment of {$200.00} on XX/XX/XXXX, towards my XXXX payment, which wasnt due until XX/XX/XXXX. 

On XX/XX/XXXX, I made an {$80.00} payment on my XXXX charge account, which was thee amount the XXXX rep. told me my payment would be going forward. And on XX/XX/XXXX, I made another payment of {$80.00} on my XXXX charge account, but XXXX reported my account 30 days past due for the months of XXXX and XXXX, with an outstanding payment of {$74.00} due. 
I paid {$200.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, {$80.00} XX/XX/XXXX, and another payment of {$110.00} on XX/XX/XXXX, which is a total of {$470.00}. 

If the said payments were in fact {$110.00} per month and not {$80.00} per month, then that totals {$350.00} ( for 3 months XXXX, XXXX, and XXXX ), which is {$120.00} more than what was due and required of me to pay for the three months ( XXXX, XXXX, and XXXX )! Therefore, I am requesting an immediate audit of my XXXX CHARGE ACCOUNT! 

The credit bureau reporting guidelines state that a creditor may report a consumers account late, if a consumer pays an account 30 DAYS AFTER THE PAYMENT DUE DATE!!! On my most recent credit report it shows XXXX and XXXX as 30 days past due, which is ABSOLUTELY FALSE / INAACURATE! 

Further, XXXX is reporting inaccurate and false information against the Fair credit reporting act and Consumer protection agency rules and guidelines, and is refusing to remove such negative reporting. I have proof and receipts of all payments made on my account, which shows that payments were made before 30 DAYS AFTER THE PAYMENT DUE DATE! A creditor CAN NOT submit false information to the credit bureau just because a payment is past due by 1-29 days. As long as the payment is made within the 30 days cutoff period, they have to follow and abide by the laws of the Fair credit reporting act, and the Consumer protection agency. 

This company needs to be investigated for unfair business practices and laws. Further, under the hardship programs a consumers account is not supposed to be reported to credit bureaus, and especially is the payments are not received 30 DAYS AFTER THE PAYMENT DUE DATE.
Product: Mortgage

Information on my credit report is wrong, I sent debt validation on XX/XX/2019 and XX/XX/2019 still havent heard anything yet. And foreclosure is over XXXX old still on my credit.
Product: Checking or savings account

When deposits hit my account the same day *checks* clear. The bank purposely clears the checks first to charge overdraft. 

Then the reflected balance indicates everything went through. Then 1-2 days later everything goes negative even though I had the funds in my account.
Product: Debt collection

I joined a XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. Otherwise known as XXXX XXXX. However after agreeing to join it i never received what i paid for to help me find someone as they promised to help me do. They promised a website, professional photography, and event meets. I never got any of that. No services or anything. And now they sent a company after me for {$2300.00} cents. That was no where near what i originally agreed to pay. Especially for a scam dating service that did not give me anything for what i paid and i decided to abandon it. The debt collector after me is called Fair Collections and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX and threatening to ruin my credit with the 3 major credit companies by sending me letters in the mail. Because other than this my credit is good. It has taken me 3 years to make it good.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit file without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$200.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$76000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies my information I only gave it to XXXX to apply for there cars but they ran my credit 52 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block , inc ) for inadequate customer service and unsure practices under the Consumer Financial Protection Act which were violated. Cash App failed to take timely and effective measures to prevent and assess fraud on their platform, leaving my account unprotected and vulnerable. Their dispute resolution process was unfair and deceptive. It did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ). Their actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Checking or savings account

I opened my account XX/XX/XXXX and have my direct deposit from my job go in. They put a fraud alert for me buying XXXXXXXX XXXX sneakers and spending XXXX XXXX at XXXX XXXX. As of today XX/XX/XXXX my account is restricted while they investigate fraud and I can not access my funds that were direct deposited today. When I asked why its suspected fraud they refuse to give me an answer.