23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an account with Kohls/Capital one card which I have always had an outstanding payment history with them. In XXXX 2019 I went into the Kohls store located in XXXX NY to make a payment. They assured me all was well with the payment. it will post the day I paid which was prior to the due date. In fact that is not what happened they seemed to have had technical computer issues and never posted the payment. As soon as I was made aware of this issue I resolved it immediately. 

I also never received a notice in the mail in regards to my account getting a 30 day late which they are required to send.
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX dollars by someone pretending to be my bank, which is bank of america, and they are targeting bank of america customers, they had access to all my information in my account and they told me that someone was in my account trying to take XXXX dollars out so they had me do this transfer to recieve the money back that i was scammed out of in the first place, which was obviously a lie, but i contacted my bank and told them and they declined helping me.
Product: Vehicle loan or lease

Last year I purchased a XXXX XXXX from XXXX XXXX XXXX I put XXXX $ down when I first got the car I had to get a new transmission and a long the way more problems kept occurring I then stop making the payments for the car because of the issues few months later the car got repossessed and I filled out a affidavit.
Product: Credit reporting or other personal consumer reports

I am attaching an FTC report containing 5 fraudulent accounts! This is not a duplicate I am addressing the issue with 2 files not being able to be opened in a previous CFPB report containing a FTC report in accordance to FCRA 605B 4 day block due to identity theft. In this complaint I will attach files of my drivers license and social security card with bank statement to verify my identity along with the updated FTC report to hopefully bring about a resolution of these items being blocked, removed deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I would like to post a statement on my Equifax credit report regarding an adverse report.I have contacted Equifax in writing. My letter was opened, sealed back up and returned to me without comment. I have tried to call them repeatedly and am constantly disconnected without speaking to anyone. There are no instructions as to how to post this statement on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$28000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX store credit cards for XXXX XXXX and the XXXX. Reporting incorrect balances and history of cards. My cards were in perfect credit in XXXX until I had made purchases online at both stores that didn't fit, so I returned them to the store for credit-they never applied the credits. I contacted them, they said it would be corrected, but it wasn't after three months, so I closed both accounts. They continued adding " late charges '' on even after I closed them. Now XXXX sold the accounts to " XXXX XXXX XXXX '' who sends mail and calls constantly with different addresses and telephone numbers trying to harrass me into paying them and threatening to go court. This is affecting my credit report with incorrect information. I will never do business with any of those businesses again.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Prepaid card

I disputed charges occurring from the unauthorized use of my Bank of America account. Bank of America denied my dispute and I requested a reconsideration twice and then requested documentation they used to make their decision. I have not received any documentation explaining their decision. I still am appealing their decision.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

I have disputed this debt with XXXX XXXX on several occasions, with XXXX, XXXX and XXXX. This alleged debt was removed from my XXXX credit reports on XX/XX/2019 and XX/XX/2019, yet it keeps reappearing on my XXXX credit reports, causing injury to my credit score. I asked them to send me proof, to show that this is indeed my debt and they only send me a computer print-out, which is not proper validation of debt. Montgomery Ward has defamed my credit by reporting information that is unverified and inaccurate. This precedent was established by XXXX vs. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review my credit report on the XX/XX/2021 from Experian and XXXX. Upon reviewing My credit report, I found some inaccurate information. First error I observe that the addresses they have on file was not mine. Second, I seen some accounts that was inaccurate, labeled as a charge off with a incorrect balances. I wrote to Experian and XXXX demanding that they verify and validate these accounts and send me copies of validation. ( They didn't ) They ignored my request and updated more inaccurate information.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts 1. XXXX XXXX XXXX XXXX XXXX this account is being reported inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX ( perhaps coincident to the early spring XXXX hack ) my credit card activity had six or seven incidents of unauthorized use. I filed a report with the FTC and with my local police department. 

I decided it was best to freeze my accounts at the three credit bureaus. I confirmed that for the state of Oregon and because I was the victim of identity fraud, that I could freeze my accounts for free. 

XXXX was an easy freeze. 

I went on the Experian site and asked for a credit freeze. I could only get one if I paid {$10.00}. There was no option to select for those who were identity fraud victims and were entitled by Oregon State Law to a free credit freeze. Experian had a link which provided all the state laws regarding the charges for credit freeze. Virtually all were represented. Except one. As luck would have it, Oregon was missing. 

I called Experian and selected " add or remove credit freeze. '' That selection put me in a loop which did n't allow me to pursue a credit freeze. After a few minutes, it dumped me out. 

I had a similar experience with XXXX. I attempted to freeze my credit on line. I was given no option for a free freeze because of the ID theft. I called XXXX, and also got looped through to a number of recordings and false choices which eventually dumped me out. 

This has been a challenging experience, having one 's personal information and ID stolen. It is made all the more onerous because the credit agencies make requisite remedies difficult, and communications to resolve the issue close to impossible. It 's unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report after finding out that 6 companies that I am affiliated with have been breached and while scrolling through I noticed that there is a social security number on my report is not mine and I disputed it and they will not remove it, I did have sucess with them removing credit inquiries but not the ss #. Also there is a ambulance bill on my report that was paid by insurance and they still have not taking it off my report.
Product: Debt collection

I mailed them 2 certified letters on XX/XX/22, one for each of my accounts, asking for them to validate the debt as well as asking for a copy of my signature on a hippa release to them. They never sent me any documentation and are still attempting to collect.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX  TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

I applied for a modification in XXXX 2015 and continued to respond to requests for additional information through XXXX 2015. At a court date on XXXX XXXX, 2015, I was told orally by a representative for ASC that I had been denied for a modification. I was told at that court date that I would receive a letter explaining why I was denied. But, ASC has not provided that letter explaining why I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I am reaching out to you do to my Experian credit report. Couple months back I obtained a copy of my Experian credit report and on my credit report there was a duplicate account that was posting twice. One with no data and one with correct data So I contacted Experian and had it disputed. The consumers name that I was disputing for posting duplicate was XXXX XXXX  But unfortunately Experian member deleted an active account from a different company the name for that company was XXXX XXXX XXXX  due to the wrong deletion my credit score took an impact of dropping my score lower. I have tried contacting Experian multiple times but every time I do contact them I am greeted with the foreigner that does not understand what Im trying to explain every time I tell him they deleted the wrong one he tells me yes sir we deleted XXXX XXXX  and I tell him know yous deleted the wrong one then then they put someone else that still dont get that they deleted the wrong credit card posting. I had contacted XXXX XXXX and let them know they were going to post another months worth on my credit report but my concern is my past good credit report history is now missing due to experience deleting the wrong file.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I requested my bank ( XXXX XXXX XXXX XXXX  ) to wire transfer {$10000.00} to my XXXX XXXX account and the wire transfer was completed the same day at XXXX. The money was and still never received in my XXXX XXXX. The corespondent bank is Wells Fargo Bank which is who XXXX XXXX uses to receive wire transfers. I have exhaust all means of resolutions with my bank, Wells Fargo Bank and XXXX XXXX to no avail. Attached is the copy of the wire transfer conformation showing that Wells Fargo received the {$10000.00} wire transfer for XXXX XXXX XXXX.
Product: Debt collection

" There was no debt to begin with '' I used to be XXXX XXXX XXXX customer. In XXXX of 2016 I decided to discontinue using the service. I disconnected the equipment and returned it to the closest XXXX XXXX XXXX on XXXX/XXXX/2016. Then I tried to get XXXX to actually close my account. It took over a dozen phone calls and over 2 months for them to finally close it. Meantime their billing system kept adding new service charges and late fees. After the amount went over some threshold I started getting multiple robocalls per week from " Focus Receivables Management LLC '' collection agency to my personal cell phone. Even after I was finally able to get XXXX to close my account and remove all the bogus charges - the robocalls from the collection agency did not stop.
Product: Debt collection

I got a notice in the mail yesterday saying they are going to garnish my wadges and collect any money I am getting back from my taxes or Government. I never recieved any other letters prior to this. No one tried to get ahold of me or anything before this letter. It is unfair and I could have set up a payment plan before all this happened. I called them and they said they will take all our taxes unless we pay the total amount right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Intent to Sue for Willful Non-compliance Pursuant to 15 USC 1681n I am writing this letter to formally express my intent to pursue legal action against Transunion for willful non-compliance, as outlined in 15 USC 1681n. It is with deep disappointment and concern that I address Transunion 's unfair and unjust processes, which not only violate my rights as a consumer but also hinder my ability to maintain accurate credit information. 
Upon recently checking my dispute center, I discovered with dismay that there are no active disputes listed, and I have not received any notification of the results.
Product: Credit reporting 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 Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.