23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted KOHLS regarding their negative reporting on my credit reports. This account was paid off and I was told it would be removed from my credit reports and it never was. When I reached out to KOHLS they sent me a letter saying they do not have this agreement on file because the " retention period has passed ''. They also claim to not be able to find my information in their systems without me providing them with the account number which I no longer know. This is unfair to me as a consumer and I would like for them to hold up their end of the deal that was made years ago. This account shows that is has a zero balance but it still shows up as a charge off/collection on my reports, that has a negative impact on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate information on my credit report, which I received from your agency. I am aware that as per the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that the information on my credit report is accurate, complete, and up to date. 

After reviewing my credit report, I have identified the following errors : There is an account under the name of XXXX XXXX XXXX with the account number XXXX. I would like to bring to your attention that this account has been verified by your agency, while other bureaus could not do so and have removed it. According to the FCRA, you are required to investigate and remove any inaccurate information from my credit report immediately. 

There are several instances of personal information that are incorrect. The following addresses do not belong to me and should be removed from my report immediately, as per the FCRA : XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) There are two names on my credit report that do not belong to me. The following names should be removed from my report immediately as per the FCRA : XXXX XXXX XXXX XXXX XXXX I request you to take prompt action on the above-mentioned errors and remove them from my credit report, as per the FCRA guidelines XXXX I also request you to send me a written confirmation of the removal of inaccurate information from my credit report. 

Thank you for your attention and assistance in this matter. 

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

They contained : 1 ) Statement from my educational institution abroad which showed I was living abroad when fraudulent accounts were opened. 2 ) A police report from XXXX XXXX, Iowa police that verifies I am the victim of fraud. 3 ) A police report from the jurisdiction where the fraud took place. 4 ) Statement from the property management company that owns two addresses that proves Ive never lived at those addresses. 5 ) An identity theft report from the IRS. 6 ) Documents to prove my identity. All of this ( a total of 43 ) pages was received by Equifax. Miraculously, they have claimed that this information is not enough to block these fraudulent accounts - an assertion that my local police department has called flabbergasting. Further, my attorney informs me that Equifax is now in direct violation of the FCRAs 605B provision. Apparently, Equifax is now summarily refusing to block the fraudulent information for millions of consumers - which they are not allowed to do legally, especially when 43 pages of official documents prove the fraud of these accounts.
Product: Credit card or prepaid card

AMEX ( Date opened XX/XX/XXXX ) add a negative mark ( XX/XX/XXXX ) on my credit report per XXXX. I do not know why this mark appeared in the report. In my opinion an error has occurred and I ask you to remove the mark.
Product: Credit card or prepaid card

In XXXX XXXX, I initiated a credit transfer from Capital One credit card to my XXXX XXXX  credit card in the amount of {$4300.00} That amount was charged to my XXXX XXXX XXXX, but had not been credited to my Capital One credit card. 

After a month of waiting for the payment to clear with Capital One, I called Capital One on XXXX XXXX XXXX to inquire why the payment from XXXX to Capital One had not been credited. I ended up on a XXXX way call between myself, and agent from Capital One, and an agent from XXXX XXXX. An investigation was opened by both parties, and the issue was resolved, with Capital One reducing my balance by {$4300.00} + interested charges that had been made in the previous statement. At this time, I had also sent a certified letter to Capital One disputing the incorrect statement that did not reflect the payment they received and cleared from XXXX XXXX. After the corrections had been made to my Capital One account, I was under the assumption that the matter was resolved and over. 

I then received a letter from Capital One dated XXXX XXXX XXXX that stated a credit was incorrectly applied to my account and and they fixed it by debiting {$4300.00} to my account. 

Today, XXXX XXXX XXXX I called Capital One to inquire how the the correction was reversed. They stated, in a recorded phone conversation, that I requested that {$4300.00} be refunded to XXXX XXXX. I at no time requested that verbally or in writing, so from my understanding, Capital One made an unauthorized and illegal balance transfer to XXXX XXXX. The agent that I spoke with confirmed that this was not a cancelled XXXX XXXX  check causing the charge, but a check that Capital One made to XXXX, dated XXXX XXXX XXXX, check number XXXX. Again, this was not a request that I made through any official channel, online, or verbally. I stated that the payment was unauthorized and that I would like to open an investigation into the payment, and that I dispute the payment made to XXXX. I was told that the request for that payment to XXXX came from XXXX, and that I XXXX not dispute it or open an investigation, and that I needed to contact XXXX. I was also told that they can not tell me who or what XXXX  is, connect me with them, or open an investigation regarding how XXXX  determined that Capital One needs to send a payment to XXXX. Essentially they said that the error that Capital One made is not their problem and I have no recourse with them to resolve it. 

The purpose of this complaint is to resolve the illegal and unauthorized balance transfer from Capital One to XXXX that was made without my consent or request, verbally or in writing. This was an error on Capital One 's side, and should not be my issue to solve with XXXX. I expect Capital One to resolve this as they made this illegal error. Failure to do so will lead to small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$9800.00} ; XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$5500.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX XXXXXXXX Balance : {$4800.00} ; XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Debt collection

I just got a call from a collection agency at XXXX on XX/XX/XXXX stating that I owe $ XXXX to XXXX County Florida for an automobile-related ticket in XX/XX/XXXX. It is currently XX/XX/XXXX. That means that they waited seven years to collect a debt I was completely unaware of. The original debt was {$10.00}. I should n't have been able to renew my license or vehicle registration with any outstanding balance. I had no notice that there was a debt owed. My XXXX credit score that I have worked hard to build is going to be ruined for seven years over {$27.00} that I would have paid seven years ago if I knew it was outstanding. I think this a complete oversight on the part of XXXX County. I ca n't imagine it is legal, and it is certainly unethical, to send someone to collections without notice over a supposed {$27.00} debt that was owed seven years ago. My credit is extremely precious to me. I 'm outraged to say the least. I would pay XXXX County Florida literally thousands of dollars not to trash my credit for the better part of the next decade.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint 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 fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and they agreed to CORRECT the misleading information in my file. Please update and repair all the late payment accounts below : XXXX XXXX, XXXX CARD XXXX, XXXX  XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal has a feature that allows someone to request money from another PayPal user. The problem is that there is no way to turn it off, so anyone can request money from you for any amount. What I've observed is that I continue to receive money requests many times each month, from different PayPal users, for years. I'm worried I may one day hit the wrong button and accidentally send money to the scammers. I have never received a legitimate request for money, it isn't a feature I need or use. To give an indication of the volume of scam requests for funds I receive through PayPal, I've attached a screenshot. I diligently report the requests and block the requester, but if does not stop the flow of requests. I believe the scammers just create new PayPal accounts and send the requests again.
Product: Checking or savings account

I came across information re the overdraft lawsuit with regions. I have incurred overdraft fees and held deposits over the XXXX years of banking with them. I have complained for years. Commonly about my deposits going in after transactions to cause the overdraft fees. I would like to be added to the current overdraft lawsuit if I am able.
Product: Credit reporting or other personal consumer reports

The Response below from Comenity Bank/Comenity Capital Bank is a lie since the unauthorized hard inquiry still shows up on my credit report, causing significant distress and potential financial harm. I have call logs from Comenity Bank/Comenity Capital Bank that they harassed me by calling me after they found out they made a mistake. Their repeated evasion of the unauthorized hard inquiry when asked about it is evident in these call logs. They also appear to misrepresent themselves to consumers and XXXX, as XXXX keeps saying, " we didn't get any information from Comenity Bank/Comenity Capital Bank but we are trying to remove it and its hard since Comenity Bank/Comenity Capital Bank doesn't inform us of anything. Also my credit report clearly shows the unauthorized - Hard Inquiry " Inquiry details. 
COMENITYCAPITAL/XXXX  XX/XX/2023 '' Comenity Bank/Comenity Capital Bank already has a lot of complaints from consumers due to its illicit activities. 
There should be Monetary relief of ~ $ XXXX since my credit score took a ding by some points due to their unauthorized hard check, which prevents me from obtaining the best rates in loans, mortgages, etc. 

Below Are Comenity Bank/Comenity Capital Bank lies/evade their wrongdoing : " Company 's Response " We previously requested that the credit reporting agencies remove the inquiry from the credit report. We reached out to XXXX, and they confirmed they could not find an inquiry about this. ''
Product: Credit reporting

On the same day TransUnion has issued XXXX different credit scores. The XXXX Score XXXX Credit Score for me is stated as XXXX ; however, TransUnion Credit Monitoring is showing XXXX. Also XXXX XXXX had deleted an illegal collection and advised TransUnion to delete this. ; unfortunately, each representative told me it had not been deleted. After arguing with these people, they found that it had been deleted ; but this deleted collection is still determining my vantage score XXXX credit score with TransUnion. It is only with TransUnion that I have such a low credit score. TransUnion had made too many mistakes on the file causing me to have a low credit score. There is a serous problem with the system at TransUnion.
Product: Debt collection

Request for debt validation, purchase agreement from the original creditor, cancellation of debt from the original creditor, chain of title, when the last payment was received and if there was any judgement or if the statue of limitations has expired has not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information XXXX XXXX XXXX is reporting is inaccurate. They falsely reporting fraud to Early Warning Services and fraud or negligence never occurred.
Product: Debt collection

Southwest Credit systems is reporting on my credit that I owe them and or XXXX XXXX. I in fact do NOT owe them as I've never opened a account with South West Credit. Several attempts have been made to XXXX and XXXX to have this removed from my credit report immediately.
Product: Debt collection

I XXXX XXXX Report XXXX XXXX XXXX. I spoken to the company XXXX XXXX regarding to payment options in my account ending in XXXX, I advised that I was not working and could not make payments due to lack of employment And the company agent has placed me in a financial program Company Comenity Capital Bank Program. a charged off was later added on my account after being place into program due to lack of payments. Another company has taken my information and attempted to proceed to legal action. Not only has my information been shared with different companys Im being harassed for payments Im unable to pay at this current moment
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX I applied for a personal line of credit with Wells Fargo in the amount of {$30000.00}. After applying I received a message that my application was under review. a few minutes later I received a text message from Wells Fargo 's automated system indicated that my loan was conditionally approved and that I needed to sign into wellsfargo.com/status for more details. When I signed into the website and clicked on the application it asked me to agree to digitally signature. I went through the process and and agreed. The system then told me that my line of credit request was approved conditionally upon signing the credit agreement which stated that my line requested was for {$30000.00} and my approved amount was {$30000.00}. It also indicated that my apr was 13.25 % variable. Once I reviewed the document ( several pages long that indicated all of the terms and conditions of the line of credit ) I got a pop up message that said " Congratulations you application has been fully approved ''. 2 hours later I received another text message from Wells Fargo that said my application was declined. I logged back in and reviewed the information provided. Still holding in hand a document that stating that my line approval was for {$30000.00}. I called Wells Fargo and asked for more details. They said there was a known glitch in there system. I asked to escalate as I already signed a legally binding loan agreement with them online that said the loan terms and conditions were non-negotiable on the bottom of the documents. When speaking to the supervisor, he indicated that this was a known glitch that the system was approving tons of people who did not qualify for the lines of credit since they migrated to a new platform months ago. I told him that I had a signed a legally binding contract with wells fargo for this line of credit and that this was UDAAP & Fair Lending issue. It would be one thing to deny the application but since the application had already been approved and the contract signed/executed that this was unfair and deceptive. He said there was nothing he could do and offered to transfer me to there executive office. There executive office opened a case on XX/XX/XXXX number XXXX. I was told this would be resolved within XXXX days. We are now more than 30 days out and I have not even received a phone call from them. I did receive a letter dated XX/XX/XXXX from a XXXX indicated that they needed more time to investigate and that I should be contacted no later than XX/XX/XXXX. Wells Fargo has failed to meet there commitments at every turn in this process. They are in clear violation of UDAP, UDAAP, and fair lending laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Incorrect information on my credit report. In XX/XX/XXXX A collection was placed on my credit profile by Sequium Asset Solutions for a XXXX XXXX account I had no knowledge of. I spoke with Sequium, who then told me contact XXXX XXXX, in which I did. On XX/XX/XXXX I received an official email from XXXX XXXX stating that it was investigated and discovered to be fraud, please give it 6 to 8 weeks for the collection to be removed from my credit report. Well Its now been well past their 8 week mark & neither company, SEQUIUM ASSET SOLUTIONS or XXXX XXXX will not properly handle this situation and remove the collection from my credit report. Instead theyre sending me in circles, blaming each other.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

- Within 30 days of closing XXXX told me that not using their lender would cause the purchase agreement price to go up XXXX even before appraisal was done - XXXX also did not give me an option of purchasing a loan without PMI, said it was absolutely not possible to have a loan w/ less than 20 % down to not include PMI forcing me to choose a product I did not want - Before we signed the contract XXXX Sales Consultant , XXXX XXXX , told me that we can use any lender with only losing the XXXX incentive in closing costs
Product: Credit card or prepaid card

Bank of America continues to take people 's money by letting it go into limbo between the customer and the banking systems. This is a common issue is what I was told by the customer service rep on XX/XX/2018. This isn't right. This bank is stealing money. I'm just one person but I hope this comment can start some type of investigation into this. This bank isn't being fair to the public. Yes, my issue was resolved but I had to spend days and hours doing investigation work myself with watching transactions and taking screen shots to get my issue resolved. This isn't right. No one should have to go through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$980.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$660.00} XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  Please update ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding inaccuracies on my credit files with Experian, XXXX, and XXXX. Despite submitting supporting documentation, I am encountering ongoing difficulties with these agencies, which are prolonging the dispute process and putting me at risk of identity theft.

As outlined in my original complaint, each of these agencies has requested that I send my personal information, including my ID and Social Security number, by mail. This request is both unnecessary and concerning, particularly given that each agency is aware that I have an identity theft alert on my credit files. Additionally, they have all blocked me from uploading my documents through their secure online portals, making it impossible to directly submit the required information. Instead, they are forcing me into an unsafe process that exposes me to further risks.

Furthermore, I am required to undergo a verification process over the phone before being transferred to their special handling departments to dispute inaccuracies. I have followed all instructions and uploaded copies of my ID and the last four digits of my Social Security number through the CFPB portal, and the phone representatives have confirmed receipt of this documentation. Despite this, the process continues to be unnecessarily delayed and complicated.

I believe these actions are being taken in bad faith, and they are causing me undue hardship. The credit reporting agencies are fully aware of my identity theft history, and their actions seem deliberately designed to impede the resolution of my disputes. I respectfully request that the CFPB investigate this matter to ensure the credit reporting agencies handle my case in accordance with the law, especially considering the risk to my personal information.

In my complaint, I have included supporting documentation : a copy of my ID, my Social Security card ( with only the last four digits visible ), a current utility bill as proof of address, and the letter from the reporting agencies. I refuse to send a copy of my Social Security card and ID through the USPS mail system due to security concerns.