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

I made contact with Kohl 's Credit Card in reference to trying to settle my past due Kohl 's Credit Card account ( ending in XXXX ). I spoke with them sometime before or on XX/XX/2020. I received an agreement that they would settle my Kohl 's Credit Card account if I were to pay {$280.00}. I paid the {$280.00} that day over the phone and it was taken from my bank account on XX/XX/2020. I was told that after making this payment I would no longer owe any money and that my account would be closed and paid off. A few days later I received a letter from Kohl 's Credit Card stating they agreed to settle my account for {$280.00}. I called Kohl 's Credit Card on XX/XX/2020 to see if I could get a letter showing I paid the {$280.00} and they told me I still owe {$280.00}. I told them I received the letter in the mail with the settlement and that it was paid and they still would not close the account as being paid. I have attached the letter I received from Kohl 's Credit Card agreeing to the settlement, the statement showing where it shows I still owe {$280.00}, and my bank statement showing where I paid {$280.00} to Kohl 's Credit Card. This has caused me delay in purchasing a new house and has caused me to lose some houses which I wanted to purchase. This has also harmed my credit even more as this was paid two months ago and it still shows I owe money which it should not. I am requesting that Kohl 's Credit Card remove this account completely from all three of my credit reports as they did not hold up their end of the agreement and have caused my credit to be harmed more than it should have.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Copy of Form 1099-C Dear : Macy's/CBNA, I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus. 

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it. 

Here are my details for reference : Full Name : XXXX XXXX Account Number : XXXX Social Security Number : XXXX Date of Charge-Off/Collection:XXXX I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

For the last 6-8 months I have been in communication with XXXX and Experian about various accounts that were/are reporting that stem from identity theft. I have sent in numerous id theft reports and police reports. I have asked XXXX countless times to block and remove the accounts due to identity theft. XXXX did not honor my request nor did they send me a written response within the 5 days from my request stating the reasoning they elected not to block and remove the accounts. Clear violation of FCRA 605B. When I call to verify receipt of my documents I am being told that they have not received my documents even though the ups/usps tracking states that it was delivered or signed off on. XXXX and Experian within the last 2 months have deleted a few accounts but replace them with accounts that were deleted that were named in the identity theft reports. Accounts that I have been told are deleted on XXXX or Experian 3 credit Bureau reporting website are being hid within my credit report under closed accounts. I recently applied for mortgage and was told sent a copy of my XXXX and XXXX credit report showing the accounts : XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, I also asked company to remove the negative remarks that inpack my credit and fix accuracy. The accounts referenced above XXXX refuses to delete from my credit and Experian. It seems that XXXX and Experian doesn't follow the FCRA rules protecting consumers from identity theft. They do not send out communication. I have asked by letter two ( 2 ) times within the last 6 months for XXXX to present documents that show the verification process for these accounts. No correspondence from XXXX even after a 15 day demand. This complaint is the last step before I sue in Small Claims court.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was falsely XXXX  for 4 days I had went to XXXX  with no phone or any electronic devices as my belonging sheet stated During my false XXXX  which was later cleared my home was burglarized .. my phone was stolen and someone broke into my phone and stole XXXX dollars when I got out I found what happened and I called chase bank to try and recover my money I sent them proof of me being XXXX XXXX XXXX XXXX XXXX XXXX  without any phone services at all I also submitted a letter of my belonging while being XXXX As well as my XXXX XXXXXXXX  chase told me since I had sent money to the person before it meant fraud was not done to my own personal account I appealed it gave them more information as they requested and they still denied me there is no way I can have control over a phone and its apps if Im XXXX  I feel helpless and need my money this day and time XXXX isnt anything to take lightly I need help against big corporations when they know that I couldnt have authorize any type of transactions for that amount and I never have in the history sent anyone that much money.
Product: Prepaid card

I was XXXX and when I got out I went to check my balance on my card and I looked online and it said that someone had ordered a new card while I was XXXX and spent all the money off of the card I filed a dispute as soon as I found out I sent in proof of XXXX and they said that they did n't believe I was XXXX that they called the XXXX and they just said I was n't there which is it said that someone had ordered a new card while I was in XXXX and spent all the money off of the card I filed a dispute as soon as I found out I sent in proof of XXXX and they said that they did n't believe I was XXXX and they 're refusing to pay back the money they 're saying I thought they 'd think I was in the hospital.
Product: Consumer Loan

Vehicle was traded in and paid in full by XXXX XXXX XXXX XXXX and Ally Financial released the title to the dealership ( which in turn went to auction ). Ally financial continues to contact and harass me after advising them to stop. They released the title and I no longer own vehicle.
Product: Debt collection

I CALLED MIDLAND FUNDING ON SEVERAL CALLS AND GOT DISCONNECTED.WHEN SPEAKING TO THEM THEY GAVE ME A TOTAL THAT WAS DOUBLE THE ACTUAL AMOUNT OWE. I ALSO ASK THEM TO SETTLE AND THEY SAID NO.
Product: Debt collection

11 months and 34 days POST final divorce decree issued by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX XXXX ) collections is attempting to collect a debt that is owed by ex-wife. 
The services provided to her post divorce are her bill. Not mine. All Court matters were concluded and over. 
The services provided were not done within the scope of a prior XXXX order it was individual service to my ex-wife. I have no obligations for any services provide to ex-wife at all. 
XXXX tried this before and they had to nonsuit me and I was awarded back by the XXXX 100 % of my fees and costs. XXXX has a judgement against her for the first collections issue but I have nothing to do with that either. The XXXX XXXX ruled 100 % in my favor against XXXX claim the first time they tried this deceptive tactic and XXXX lost. They are attempting to collect on a second situation which is as this is filed pending in XXXX with counter suit against them. XXXX has listed the ex-wife 's debt on my credit file in what i believe to be not legal as there is basis to do so. This was post divorce and I have no obligations for her debts other than what is listed in the decree and this is not XXXX of them. There were never any joint accounts, nothing signed by me, and currently there is a pending court case regarding this matter. They know it is not my debt and this appears to be malicious, deceptive and second attempt because they lost the first time and embarrassed themselves. after they Non-suited me they took 4 months to correct my credit report. 
When they first served me with papers and contacted me I sent registered letter denying the I owed this with in the time frame clearly stating that this is not my debt. They acknowledge receipt of that letter. I ask in writing for their documentation and they refused to provide any. 
This is typical of XXXX here in XXXX and I am seeking a counter suit in this situation and in discussions of a class action status against XXXX as others have had similar situations of their collection practices.
Product: Debt collection

I am un aware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe i received proper notification please provide the certified mail with a receipt with my signature on it stating i received it.
Product: Debt collection

I received a collection notification of a resolution opportunity from NSA or North Shore Agency that was dated XX/XX/2021. They state in the letter that they represent " XXXX  '' as the Creditor with NSA ID # XXXX & Creditor Account # XXXX in the amount of {$350.00}. I do not have an account with XXXX  COLLECTOR and believe that this collection agency is attempting to fraudulently collect from me money that I do not owe. 

I tried to contact them at the phone number on the letter and when I enter my zip code and the account # listed on the letter, the automated voice states that the information entered doesn't match their records. I also tried to contact the company through other phone # 's available online but can not reach anyone. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

Original debit/ account was daleqant from XXXXXXXX XXXX XXXX XXXX XXXX XXXX The new creditor DRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported the debit on my XXXX report as new as of XX/XX/XXXX. The company waited until after my bankruptcy case was resolved to report. This information is false/old and I would like for it to be removed or corrected on my credit report. I have reached out to both XXXX XXXX and DRS with no response. 

Thank you, XXXX XXXX
Product: Mortgage

By a lack of knowledge of Mortgage in Pre Qualification process, I lost my money and affront expensive process to find a new living place for my family members of XXXX. After a Pre Qualification confirmation in XXXX XXXX using all credits reports pulled out, I start the process of a mortgage loan. I signed a Sales buyer agreement in XXXX XXXX. The processor XXXX XXXX review with me all options available for my loan. I request a Conventional Loan, but he reject it because my credit history. I did n't qualify for that one by a law or rule of 3 years. He offer me a great rate on FHA type loan. and he was convinced that I was qualify for that loan. After I start my personal arrangements to leave my current rent agreement and start my furniture investments. From XXXX XXXX I invest in all inspections requirements, appraisal process and paid in cash to all {$880.00}. Also change my insurance cars company to get a discount and join the home insurance quote and sent to the mortgage for closing purposes. Later in XXXX XXXX I got confirmation of the closing date and complete signed all Loan Disclosure forms, FHA forms, home tool kits and also got the Closing cost amount. I starts my personal arrangement 's to get all set for closing cost and date. In XXXX XXXX in my initiative of follow up I got denial letter and confirmation that the loan cant be processed because another rule or law that state I cant be eligible for a FHA loan if I was involve in a Short sale process in the past in a Conventional loan in XXXX XXXX, So I cant qualify for a FHA loan until I complete a punishment time of 3 years. All FHA forms only describe some restrictions for loans on Foreclosures, Defaults and delinquent on Mortgage transactions. There is NO Short Sale restrictions on those forms. If this is a FHA rule or law or if this is a Credit requirements, or a lender criteria I did n't get any of those restrictions advisement during this processing. I should got a Qualification or a better counsel by the Processor or someone in the Lender institution, because they pulled out my credit report from XXXX companies. Where all details come from there. Now I am working to get back my {$2000.00} earnest money, but I still loosing closing cost by a loan never completed, plus a raise of rent by last minute seeking, Storage cost for all new furniture invested, Schools transportation cost and a frustrate family.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : USDOE/XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 Usc 1681 Account Name XXXX XXXX XXXX  # XXXX, Account Name - XXXX XXXXXXXX XXXX  # XXXX, Account Name - XXXX XXXX  # XXXX, Account Name - XXXX XXXX XXXX  XXXX  # XXXX, Account Name - XXXX  / XXXX XXXX # XXXX, Account Name - XXXX XXXX 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. ( a5 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 an 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 completed an application for XXXX loan in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXXbiweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ 67 pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking XXXX, XXXX or XXXX the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

Transunion : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 monthXXXX XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months XXXX : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XXXX, Term : 54 months
Product: Debt collection

I have sent requests for validation to XXXX debitors, I have sent these via mail certified. I have never received any response. I have also put complaints with XXXX that I have never received this documentation, and XXXX has not removed these debts from my report. I have been fighting these debts since XXXX  when I first mailed my requests. 

One debt from XXXX XXXX was completely discharged. In fact, I was compensated through a settlement. Now this company is trying to come after from money that was completely discharged. 

The other two debts I do not recognize and have been a victim of identity theft however, XXXX continues to side with the debtor despite there never being any information or validation of debt supplied to me.
Product: Debt collection

Called my work number. When I told them that they were not to call the main number of work or call me at work, they told me that they could call anytime to verify employment because they were going to file a suit against me for XXXX. I asked them why they were filing a suit if I was giving them my hsa card information for payment. They said I had given them my debit card and it did n't go through, and I told them it got eaten by the ATM, which it did and I was waiting for a new card. Then she proceeded to say she had to have the XXXX by XX/XX/XXXX but then " spoke to her supervisor '' and could postpone it a week. Ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing.

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer. 
If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
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 1681e ( 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. 15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a 30 day late on my credit for XXXX and XXXX I have asked them to be remove and it still has not been done yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, did not authorize nor benefit from any of the inquiries listed below that Equifax decided to furnish. Pursuant to 15 U.S. Code 1681c-2, Equifax needs to delete these fraudulent and harmful claims. Failure to do so will result in further legal action. If an Equifax senior executive will certify under the penalty of perjury that I received goods or services as a result of any transaction, this need not apply to that particular inquiry. The required identity theft report is in the attachments along with the required identification. 
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
Product: Mortgage

I was applying for a loan but I had to cancel the process because the second home inspection was not favorable due to termites and water damage in the property. Plus I didnt have the XXXX that MeadowBrook was requested hence why I asked them to issue a denial letter because I didnt qualify for the loan. Its been a month since I requested the letter and MeadowBrook mortgage is not responding or sending the letter. I need the letter so that I can get back deposit from the seller. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Consumer Portfolio ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken.
Product: Bank account or service

AFTER NUMEROUS COMPLAINTS,, BANK OF AMERICA REFUSES TO ANSWER SIMPLE QUESTIONS, THEY ARE EVASIVE AND ACT WITH CRIMINAL INTENT!!! 
ANSWER THE QUESTIONS!!! 

CAN YOU SHOW A CURRENT VALID CONTRACT WITH ME,? YES OR NO?? 

CAN YOU SHOW VALIDATION OF THE ALLEGED DEBT.? YES OR NO?? 

WHY ARE YOU REPORTING ON AN ALLEGED DEBT AFTER 7 YEARS,?? WHY WHY WHY????? TELL ME WHY YOU HAVE VIOLATED THE LAW SO MANY TIMES AND DO NOT SHOW ME AN OLD CONTRACT FROM XX/XX/XXXX-XX/XX/XXXX, ITS NOT VALID!!!!!!!!!! 

AND DO NOT SHOW ME A STATEMENT!!!!! A STATEMENT IS NOT A BILL YOU XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX