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

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and update it from my personal credit file. Thank you. XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

In XX/XX/XXXX received statement from Kohl 's for ~ {$1200.00}. The charges are not mine. Called Kohl 's and filed complaint. Received letter from Kohl 's dated XX/XX/XXXX stating 'we have determined the charges were not fraudulent based on your prior account history and activity. ' Called Kohl 's on XX/XX/XXXX and was told the name does not match mine and it was pickup orders. Refiled complaint. Received letter from Kohl 's dated XX/XX/XXXX again stating 'we have determined the charges were not fraudulent based on your prior account history and activity. ' I called on XX/XX/XXXX and refiled complaint. I don't know when this letter was received as I was out of town for 10 days. On XX/XX/XXXX again received a letter from Kohl 's about reinvestigation.
Product: Student loan

hello I just now finishing school i Dont work and i cant pay my loans off i disable
Product: Debt collection

Edfinancial Services XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Consumer File, Original Agreement, and Verification Methods Account # - XXXX Dear Edfinancial Services, I am writing to formally request a copy of my consumer file and the original agreement associated with the above-referenced account. I am concerned about the accuracy and validity of the information you are reporting regarding this account, as it appears on my credit report. Before I take further action, I would like to better understand the methods used by your company to ensure compliance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681s-2.

To ensure that this account is being reported accurately and legally, I request detailed answers to the following questions regarding your verification processes : Verification Process Questions Accuracy of Reporting : What evidence or findings support the accuracy of the information you are reporting for this account?

Certified Documentation : What certified documents did you review to verify the accuracy of this accounts balance, payment history, and reporting details?

Communication with Data Furnisher : Did your representatives contact the data furnisher ( or any other entity ) to confirm the reported details? 
If yes, who did they contact? 
What information was shared or received during these communications? 
What methods were used to ensure the accuracy of the information provided?

Complete Reporting Timeline : What is the specific date of the commencement of delinquency for this account?

What is the date this account is scheduled to cease reporting?

Investigation Methods : Please provide an explanation of your internal methods to ensure that the account complies with the FCRAs requirement for accurate and complete reporting.

Certification of Accuracy : Provide a notarized affidavit certifying the accuracy of your investigation findings and the information currently reported for this account. 
Additional Requests To help me better understand this account, I also request the following : A complete copy of my consumer file as it pertains to this account. 
A copy of the original agreement between myself and Edfinancial Services.

Purpose of This Letter This letter is not a formal dispute at this time ; instead, I am seeking clarity on the methods you have used to verify the accuracy of the account and the reporting practices you employ. However, if I find that the information you have provided is inaccurate, incomplete, or unverifiable, I will take the necessary steps to protect my rights under the FCRA and pursue all appropriate remedies, including filing formal disputes or seeking legal enforcement of my rights. 

Please respond to this request within 30 days, as mandated under the FCRA. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

Here is the itemized list of events that occurred. 
My bank Regions- Branch XXXX XXXX # XXXX, item serial # XXXX, Item Trans Code # XXXX, State of TN XXXX XXXX XXXX ( Written Statement of Unauthorized /Improper ACH Debit Activity. 
I have had 2 debit card replacements in a 30day period less than 2weeks apart due to fraud and unauthorized charges on my account. My bank is not protecting or securing my checking account! 
The first debit card was closed XXXX XXXX and the other XXXX XXXX, XXXX. First fraud occurred XXXX XXXX, XXXX - {$72.00} from XXXX XXXX serial # XXXX. I disputed and my funds were refunded/corrected XXXX XXXX. The next fraud occurred XXXX XXXX, XXXX in the amount of {$10.00} from XXXX XXXX - serial # XXXX - disputed / unresolved. 
Next fraud - XXXX XXXX XXXXXXXX - XXXX XXXX - {$100000.00} deposited into my checking account. Money was disputed and flagged. XXXX XXXX withdrew the {$100000.00} on XXXX XXXX, XXXX - time XXXX transaction type - Merchant. They also withdrew an additional {$350.00} of my money. I disputed - issue unresolved. I went to bank and have a Written Statement of Unauthorized Improper ACH Debit Activity on XXXX XXXX, XXXX. Issue is still unresolved! I have a police report created XXXX XXXX, XXXX - report # XXXX. 
I went to the bank on XXXX XXXX XXXX and was told to come back on the next day the XXXX because no one was there to see me, three people were out. My account was exposed and unprotected. I am XXXX and on a fixed income and this put me in a dire financial situation. I have XXXX XXXXXXXX XXXX, and this is too stressful! This has to STOP! This is my 3rd time of going thru this. My account needs protection now! A bank statement was supplied to me and that was all I received from this bank! I want ALL my money refunded and my account secured from this point forward. The manager XXXX is who I saw on XX/XX/XXXX and she transferred my case to XXXX XXXX without any backstory on XXXX XXXX, XXXX. XXXX XXXX assisted with the Unathorized ACH after filing out wrong paperwork. This is unprofessional and shows no concern on XXXX for customers of the bank. I was there from XXXX - XXXX. with XXXX XXXX with no resolution and she said she would call me and never called.
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 filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly shows XXXX 30-day late payments in XX/XX/XXXX and XX/XX/XXXX, while all payments were submitted on time. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for Immediate Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX XXXX XXXX. Here is the Tracking number XXXX, to Transunion tracking number XXXX. I sent a second letter on XX/XX/XXXX tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information 's. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Product: Debt collection

This debt does not belong to me. Does this company " Ability Recovery '' whom I 've never heard of have any financial instrument with my signature on it? 

I do not owe this money. 

Please see attached.
Product: Debt collection

Credit Management, is attempting to collect a invalid debt from me, which I never made contract to pay them over know who they are. This is another collection agency XXXX XXXX has hired to attempt to collect an unverified debt from me. 

Credit Management has a WRONG ADDRESS on file for me and their amount is WRONG! They also CAN NOT verify the debt to me. Please delete this unverified account from my credit reports or I will sue them. 

I'm not asking to verify my name, address or social/date of birth, anybody can get that information. I'm asking them to follow the FCRA and show proof of a signed contract agreement, that I agreed to ever pay them any amount!
Product: Debt collection

I haven't received any notification about this debt. I have no knowledge about this debt or belief that this debt belongs to me. This amount {$420.00} is nothing I owe. I would like to see the original creditor not another collection agency the original credit company that shows I applied for this debt and any correspondence verification.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX OF XXXX # XXXX, # XXXX has violated my rights. 

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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my personal statement, fc report, identification card and I identified the accounts that were inaccurate.
Product: Credit card

Best buy has a technical support team that I paid to fix the computers. ( many ) from them and the technician kept downloading webroot and all kinds of protection that never worked for me. Someone ( unknown user ) kept asking for my password so I locked him out on my 2 week old ( my baby ) XXXX '' XXXX laptop after 2 weeks so the ( unknown ) destroyed my operating system and Best buy from California customer care was looking for someone else to pay me back and I never got a dime only a new computer after new laptop with same problem. I brought best buys technician my first computer and he said what's the motherboard password I told him he said nope that's not it I told him I never made a motherboard password so he sent me away with it and told me he couldn't do anything I need to buy a new one. I looked in XXXX and learned to take out the battery and I fixed it myself. I also signed contract for a XXXX XXXX phone but their employee locked it in the safe and I got a big bill and XXXX XXXX XXXX didn't believe me so I spoke to the president of XXXX XXXX XXXX and he was wonderful and fixed it but I never got the phone. I had went to court about this and have proof and they have been harassing me for years and years with phone calls and this credit stuff. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Credit Bureau, There are some Fraudulent Hard Inquiries on my credit report, so I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They recommended me to contact Credit Bureaus. I called Transunion customer service and they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. I already sent all the necessary documents but haven't get any reply so far. Im enclosing the FTC Report to this letter. These hard inquiries are not mine, please remove them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter serves as a formal demand for the immediate removal or update of my student loan accounts from all credit reporting agencies due to multiple violations of my consumer rights under federal law. 

XXXXXXXX XXXX XXXXXXXX First and foremost, my student loans are in deferment until XXXX, meaning there should be no late payments reported under any circumstances. Reporting late payments while my loans are in deferment is an outright violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or misleading information. You are knowingly reporting false data, damaging my credit profile unlawfully. 

Additionally, under the Gramm-Leach-Bliley Act ( GLBA ), I have the right to opt out of having my non-public personal information ( NPI ) shared with third parties. Companies such as TransUnion, Equifax, Experian, and any other unauthorized entitiesincluding XXXX XXXX or affiliated businessesare third parties and should not have had access to my private information. You failed to provide me with the required opt-out disclosure, violating my privacy rights. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 6802 ( b ) ( GLBA Violation ) You shared my non-public personal information without proper opt-out procedures.

15 U.S.C. 1681b ( FCRA Violation ) My consumer report was accessed without permissible purpose.

15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) Any inaccurate, unverifiable, or unauthorized information must be deleted.

15 U.S.C. 1692e ( FDCPA Violation ) Reporting inaccurate or unlawful debt is a deceptive practice. 

By illegally allowing unauthorized access to my personal data and reporting false late payments while my loans are in deferment, you have violated my federal consumer rights and must immediately remove these accounts from my credit report. This is not a request but a demand. 

I expect immediate corrective action. Failure to comply within 15 days will result in formal complaints filed with the CFPB, FTC, State Attorney General, and potential legal action. 

I require a written response confirming the removal of these accounts. If you believe you are in compliance, provide proof of my signed authorization allowing access to my personal financial records by third parties and documentation supporting the false late payment reporting while in deferment. 

This is your final notice before escalation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. Transunion has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with Transunion i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n  cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.