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

Purchased a new mattress who uses Klarna Inc as a payment provider. Since then, we receive bills in the mail from Klarna, but their website will not link my contact information to my account, which makes it impossible to make a payment online. Customer support is at best described as terrible utilizing only a website " chat '' function because their XXXX number just disconnects you when you try to use it. I want to pay off my account so I never have to use this terrible website again, but they won't allow me to make a payment and they are now saying I am behind in my payments even though I HAVE TRIED NUMEROUS TIMES. This company is fraudulent because they willfully prevent consumers from making payments, then they charge a " fee '' when the payment is not applied.
Product: Credit card

On XX/XX/2023 I bought a pair of shoes at a website called XXXX for an amount of XXXX, my order was shipped XX/XX/XXXX WITH the TRACKING NUMBER XXXX through XXXX. According to this seller was item then was deliver on the XXXX the XXXX under a different tracking number XXXX. I tried first to contact the seller and he send to usps to get a lost mail " certificated '' but when I went there the item never arrived to usps, I to tracked the through usps the label said " Label created, not yet in the system so I contact the customer service of that company XXXX and submit a dispute for 4 days and they denied me because the seller have proved of delivery. 
So I request to be send the proof of delivery to the seller and when I said proof of delivery is that usps take when they deliver a item that can not fit in the mail box like this air of shoes. The seller couldn't not provide proof of that, I talked with the customer service and they refer me to XXXX but when I contacted them they send me back to USPS. So I contacted USPS to get a proof and she said that unfortunately the item was never in the system so they could not provide any proof other that was the screenshot of the tracking in the usps website. I already have bought item outside of the country the tracking number never changes and they are also able to be tracked in the usps website, a status of 'label created, not yet in the system means that usps is still waiting for the item so this seller never send the item.

When I contacted my bank they denied my three times my dispute saying that they seller have proofs of the delivery even though I send them all the SC shoot of them and the seller going back and forth and not been able to proved proof of delivery outside o the tracking number in the website called XXXXXXXX XXXX as well the reviews of other customers not receiving their packages.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian is reporting a late they say one month old and I have no recent lates they are blocking my ability to dispute on line or via telephone requiring me to order a report via us mail then to dispute in which could take 60 90 days to correct their mistake which is costing me credit approvals as again my score reflects a late when there is none
Product: Credit reporting

did not request credit increase from XXXX XXXX dept store and it has damaged my credit
Product: Credit reporting or other personal consumer reports

After receiving reports of personal info on credit incorrect. I sent a certified letter to them of all the updated info and havent received anything. I sent the letters out in XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX I contacted the data furnisher company XXXX XXXX at that time I filed a dispute on the following accounts that are being reported as collections.1. XXXX XXXX XXXX XXXX ACCOUNT NO # XXXX and 2. XXXXXXXX XXXX account no. # XXXX. On XX/XX/XXXX I received a response to my dispute stating that has of the date of the letter they forward me that this account had been deleted .Further more they furnish me with a letter to contact the following credit bureaus XXXX XXXX XXXX XXXX and Experian that they furnished this inaccurate data. At that time I filed disputes with EXPERIAN, XXXX, and XXXX  on XX/XX/XXXX, I also forwarded them a copy of the letter that was furnished to me by XXXX XXXX proving that these accounts had been deleted. In my dispute to these credit bureaus I requested that these accounts be deleted because the data furnisher company that had provided them with this inaccurate data had deleted these account that they were reporting on my consumer report. On XX/XX/XXXX and I received my XXXX credit report file number XXXX and my Experian credit report file number XXXX saying that there investigation was done and the results were that the creditor updated this information. How could this be when I have 3 letters from the data furnisher stating these accounts have been deleted.. Please investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohl 's Charge account from Capital One Finance is reporting incorrectly. 

I initially called in XXXX to Kohl 's ( who handles the customer service on these accounts ) and was advised a XXXX was issued on my account and the debt was forgiven. 

I called for 2 months weekly trying to get a copy of the XXXX sent to my proper address.. Weekly, I was told it was mailed. Never received. 

At the beginning of XXXX, I finally received it and the Kohl 's CS representative admitted those were requests and it took a long time to actually be mailed. 

The information on it is incorrect. Balance and account number are not mine. Kohl 's blames Capital One. 

After multiple calls with representatives who couldn't advise on the issue, they told me I would receive a fax stating the error and that my account was issued a XXXX forgiven debt notice with my name, balance, and account number. Never received. A rude supervisor told me I wasn't being patient enough a week after it was promised within 24 hours. Never received. This is Kohl 's customer service. 

Taxes are past due. A corrected form was never received. Who knows if it was issued. I want a corrected XXXX sent to me with TRACKING to verify its location. 

It's quite scary that Kohl 's maintains such poor records and practices and constantly blame it on another department or on Capital One. 

I am filing this complaint against Capital One, as they need to provide accurate information. 

Since I have disputed the error ( s ) with the credit bureaus, and you obviously verified them, I am very curious as to what kinds of records you may have for this alleged account. 

Under the FCRA, you are required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation you may have verifying the legitimacy and accuracy of your verification and reporting of the account as stated above. This has not happened. 

Remove this account from my credit report so that I can be done with this mess of customer service and incorrect data and reporting. This account is over 5 years since charge off and I will proceed with litigation if this is not resolved.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inadequate investigation and improper credit reporting practices conducted by Experian, XXXX, and XXXX in relation to a disputed collection account reported by XXXX XXXX XXXX, XXXX. 

Despite numerous attempts over the past several months to dispute this account and provide evidence proving that the debt is invalid, the credit bureaus have failed to take appropriate action. Their investigations have been inadequate, and they continue to report the account incorrectly. 

Specific Issues with the Investigation : Failure to Conduct a Proper Investigation : Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the credit bureaus are required to conduct a reasonable investigation into disputed information. However, the responses I have received have been generic and automated, simply stating that the account has been " verified '' without considering the evidence I have provided. This failure to perform a thorough investigation has resulted in the continued reporting of inaccurate information. 

Improper Collection Reporting Under Louisiana XXXX XXXX : The original creditor, XXXX Bank, prematurely charged off the account XXXX days before the payment due date, violating the agreed-upon terms. 
No final demand letter was sent, as required by Louisiana Revised Statutes 9:3527, before the debt was charged off and sold to XXXX XXXX XXXX. 
The debt is now time-barred under Louisianas three-year statute of limitations for open accounts ( Louisiana Civil Code 3494 ), making it ineligible for collection and reporting. 
These violations demonstrate that this debt should not have been reported to the credit bureaus in the first place and should have been deleted upon my initial dispute. 

Failure to Provide Proof of Debt : Despite multiple requests, XXXX XXXX XXXX has failed to provide valid proof of the debt, such as the original purchase agreement with my signature or a complete payment history. Under FCRA 611 ( a ) ( 1 ), if a debt can not be verified, it must be deleted from the credit report. The credit bureaus have ignored this requirement, allowing inaccurate information to remain on my reports. 

XXXX Failure to Delete the Account : XXXX recently marked the disputed account as " closed '' rather than deleting it entirely. This is unacceptable and does not resolve the issue, as the account should not exist on my credit report at all. Merely " closing '' the account does not address the legal violations associated with its reporting. FCRA 611 ( a ) mandates the deletion of inaccurate or unverifiable information, not just its closure. 

Violation of My XXXX Rights : The continued reporting of this invalid account, along with the credit bureaus XXXX XXXX XXXX XXXX XXXX for their investigations, has caused significant stress and hardship. Their failure to conduct a proper investigation and correct the inaccuracies on my credit report is a direct violation of my rights under the FCRA
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX and i am writing this complaint because the ( 3 ) major credit bureaus XXXX, Experian and XXXX are reporting inaccurate inquiries on my credit report that are hurting my image and profile. This is stressful because i am strengthening my profile and these errors are holding my back. I have contacted all three credit reporting agencies and they refuse to help me. I need ALL of these removed because i did not apply or authorize these inquiries. PLEASE help me here as i have exhausted all my remedies.
Product: Credit card or prepaid card

I am a cardholder with AMEX. I recently had a plantinum card, but was receiving marketing and promotional items on their new Gold Card. I was enticed to switch because I use my card for work. The majority of my purchases are for entertainment and travel. The new gold card   provides better rewards and benefits for what I use my card for on a daily basis. I contacted AMEX before switching to make sure everything was good and was confirmed with the rep that everything would be taken care of. I had initiated the change on XXXX. On XX/XX/16, I received an email saying they were removing XXXX points or {$600.00} from my rewards account for downgrading/misuse of the rewards program. No one ever made me aware that this could happen or I would have stayed with the card I had. Moreover, I reached out 3 times over the follow three weeks to inquire or get this fixed. They said there was nothing they could do. I asked if they could at least honor the promotional offering for the new card and they said no. I was told they took the points because I didnt stay with the platinum card for a year. Its been 9 months. They also said I couldnt get the $ XXXX/XXXX point offer after spending {$2000.00} because I downgraded. I filed a corporate complaint weeks ago and have not heard back and continue to get the run around with employees. Theyre treating me like a thief when all I did was switch to a card they were advertising and marketing to me. Worst part about it is that they continue to send me mail reminding me about the new promotion for the gold card and every time I call in they say sorry, everyone gets that mail, but we cant give you the promotion. I need help since they wont do anything nor put me in touch with the right people. This all could have been prevented if they warned me this might happen before making the switch over to their new credit Card that they were marketing to me! Please help!
Product: Credit reporting or other personal consumer reports

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 XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are XXXX  to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Agency keeps calling me stating I owe them money for an account that they state was sold to them. I believe the debt not to be mine and am requesting a full validation of debt, original signed agreement with original company, and full list of all charges that were made.
Product: Debt collection

These medical collection accounts has been reaged XXXX  is showing a last activity date of XXXX and XXXX is showing XXXX. How can this be so different? 

I have send 3 disputes to XXXX and XXXX they have yet to respond or remove the accounts from my credit report. 

This is inaccurate and inconsistent and must be deleted. 

I have attached my dispute that I have sent for the last 3 months and they have ignored my letters.
Product: Credit card

In XXXX of XXXX, I took out a 12 month interest free loan from Wells Fargo to purchase furniture. I immediately set up automatic payments to pay about {$500.00} per month on the loan. Then in early XXXX, XXXX I called Wells Fargo to get an accurate pay-off amount to avoid over or under paying the loan. The representative told me the interest free period ends in XXXX and to contact Wells Fargo at that time to pay off the loan. I contacted Wells Fargo on XXXX XXXX to get the pay off balance. They told me the interest free period expired on XXXX XXXX and that I owed the full {$4000.00} in interest accrued for the entire year ( 27.99 % interest rate!! ). I explained that I called in XXXX and wanted to pay it off then and was told to wait. I told them to listen to the recorded phone call. They ignored me and then offered to take off {$2000.00} of interest only if I paid immediately. I declined and the representative said it would go into dispute and threatened that interest would still be charged up to 60 days more. Based on my phone records, it is obvious my intent was to pay off the loan to avoid interest charges. I have a high credit score and have no problems paying off the loan. What are my options?
Product: Vehicle loan or lease

My ex-husband owns the vehicle. He pressured me into being a CO-Signer for him while we were still married. I found out a couple of months later that I was added by the dealership as the main account holder. I tried to get that taken care of but Ally Financial refuses to help me. After our divorce in XX/XX/2021, my ex husband was awarded the car and took FULL responsibility of the vehicle and it was approved through the courts. Him and I both contacted Ally financial to show proof of that from our court papers and they refused to look at them. I am not supposed to be on the vehicle at all at this point but nobody is willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow to a complain I sent back in XX/XX/2022. XXXX response was incomplete. They responded on XX/XX/2022 with I may have been a victim of fraud. That was their conclusion. Experian responded that they contacted the data furnishers and asked them to verify the accuracy of the information with I disagreed. They responded and verified that the disputed information was accurate and verified. XXXX responded that item was removed and not currently reporting on credit file. 

How is it that XXXX wasn't able to verify that the report was accurate but Experian claims that the companies was able to verify it as accurate. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview 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. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

These accounts are still reporting as in accurate XXXX XXXX account # XXXX XXXX XXXX XXXX # XXXX. I have attached an updated credit report. 

Also, XXXX stated that they removed the accounts and not currently reporting but somehow, they are still reported on XXXX report.
Product: Credit card or prepaid card

I have 3 accounts through Comenity bank - Wayfair, XXXX and Victorias Secret. I have contacted Comenity Bank on multiple occasions to release the cease and desist order on my accounts, after having to seek an attorney for prior issues with this company. I have sent them a written, mailed letter AND I have sent a letter via the message portal through my account login. Every time I call back to verify the letters were received, no one can locate them. I need to arrange a hardship payment plan due to COVID 19. Comenity Bank is now preventing me from bringing my account current all because they do not have an effective method of receiving items they ask for. Please pull all the calls associated with this request and you will see that Ive been calling for months now. RIDICULOUS!
Product: Vehicle loan or lease

Got a loan on a boat inXX/XX/XXXXpaid the loan off in full XX/XX/XXXX. Tried to find out why I couldnt receive the title and got a run around and never could receive it. Fast forward to XX/XX/XXXX I called again to find out how to get the title because nc wildlife stated there is a lien from Wells Fargo bank still on the title so I called the bank and I was told they will send a notarized lien release and I would receive it in 7 days I waited 3 weeks then I called back they told me it was not approved and they where going to send one out again this happened 3 times now. I also was told by numerous supervisors they would reach out to me about the issue and they never have. Its now XX/XX/XXXX and I still can not get answers about receiving a notarized lien release no one is reaching out as they said they would after I sent documentation showing that they indeed have a lien still on the title. I need the title and Wells Fargo has just been giving the run around and every time I call to get an update I have to explain the entire story over and over and start from step one again due to speaking to someone different every time because they can not give me a direct line so I can talk to the same supervisors or other employees that I talked to before about the issue and that know whats all going on and the issues Ive been having.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on Equifax, i noticed there is an inquiry from XXXX XXXX XXXX XXXX which i have no clue. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : XXXX XXXX  / XXXX XXXX Date : XXXX, XXXX, 2019
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX / XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I was having problems with employment and had alerted the company. I was able to catch up on my XXXX XXXX i had acquired employment. However they did not take into account my earlier report of employment troubles and dinged my credit. When I contacted them about the issue they sent me to a manger that said they hay people companion about that all the time and they can not do nothing about it.
Product: Debt collection

I received a title loan from InstaLoan/TitleMax in 2023. I lost my job shortly after due to being laid off. When I got the loan, I purchased insurance just in case of unemployment so I contacted the company quickly in an attempt to get my payments paused temporarily. They never responded to my request and continued to harass me for payment daily. Ive been paying off this loan, now far more than the original amount due to interest and late fees. They call me every single day, sometimes multiple times in the same day. This far exceeds what is allowed by federal law.