23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/XXXX. I called and made my Kohls payment via automated system. My bank account had sufficient funds to cover the {$52.00} payment the automated system said I owed. I entered my correct bank account number, and the system said hold while we process your payment. After a brief hold It said payment successful. I received a confirmation number XXXX. A few weeks later I went to Kohls and the card declined. I was shocked I have had this card from XXXX and never missed a payment or came close to this card 's limit. I called Kohls and they said our payment did n't go threw. REASON : Incorrect account number. After lengthy conversation with customer service they were able to get the last XXXX digits of account number used. It turns out the numbers were the XXXX digits before the last XXXX digits of my account. The system made an error and did n't compute the last XXXX digits of my account. 


At that time I asked what the total balance was and I paid in full. The total balance given to me was inaccurate and they sent me a refund check several months later because they had given me inaccurate high balance .. Also that day I asked if this system error was going to affect my credit and I was told yes because it made us 30 days late.. I asked to talk to the department that handles disputes. I was told they have no contact. I was told they would initiate the dispute and correspond with that department, After getting very frustrated they told me I can also send a letter. We promptly sent the letter to the XXXX XXXX XXXX We waited over 7 months and no response.. I am finding out months later they never Informed the credit bureau of dispute.. Calls letters, and emails over months with no resolution. I recently started calling customer service again, and XXXX to last Call to Kohls XXXX XXXX XXXX I recorded, and was told they would call credit burrow and correct their error made by automated system. But I followed up and was told nothing is in the notes.. call was made on XXXX XXXX at XXXX and taken by operator ID XXXX if recorded call is reviewed it will show just another lie told to us. On XXXX XXXX XXXX almost a year after our original phone calls and letters we get our first response that states. 

" I am very sorry to learn of your difficulties while making your payment. While this is certainly an unfortunate circumstance, I am unable to adjust your credit profile. 


1 ) I have been Kohls cardholder from XXXX never missed a payment. I have XXXX home loans, XXXX home equity loan XXXX limit, XXXX auto loans, XXXX student loans, and XXXX revolving credit lines in total XXXX limits, I have zero missed payments other than the {$52.00} Kohl 's automated system error. 


2 ) I paid XXXX other cards via automated system using same account same day with zero issues. 


3 ) I ENTERED CORRECT ACCOUNT NUMBER, and after the system said hold processing payment It said payment successful and gave confirmation number. I would have no reason to believe my payment was not processed. 


5 ) I was told 7 months ago they were initiating a dispute. It took months of letters and phone calls to even get XXXX response.
Product: Credit reporting

I was convicted of XXXX in XXXX in XXXX XXXXXXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX Court did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well.
Product: Vehicle loan or lease

I, the creditworthy consumer and living XXXX man, was denied credit by GM FINANCIAL when I applied for Auto Financing from XXXX XXXX in XXXX, TX on the XXXX of XXXX in the XXXX year of our XXXX. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. GM FINANCIAL is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by GM FINANCIAL with the response I received. GM FINANCIAL is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002.7 because I, the creditworthy consumer and living XXXX man, made an application in good faith, however credit was not issued.
Product: Credit reporting or other personal consumer reports

Check the information concerning the XXXX data breach in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion Credit Bureau is reporting a different information compared to other Credit Reporting Agencies. I sent a letter to TransUnion Credit Bureau on XX/XX/2022 informing them of their inaccuracy. The account XXXX XXXX XXXX with a Balance : {$0.00} is only reporting in TransUnion and was deleted from the other Bureaus because of the inaccurate information this account provides. If only TransUnion had been keeping their records accordingly, this account should have never been reported as delinquent. I am submitting this complaint to inform TransUnion to remove this erroneous account from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for a home purchase. One of the preparation steps I'm taking is monitoring my credit report. A couple of days ago I checked my credit report again and I saw a couple of items on my credit report that are not mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX. XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom i t may c oncern, I submitted an online dispute with Experian concerning inaccurate information on my credit report on my  XXXX   XXXX   XXXX  account for late payment. They originally responded back stating the information was verified. I called Experian stating I have receipts and for them to update the incorrect information and they requested I upload the documentation. After I upload the documentation, they replied back stating they reviewed the documentation can not use to make changes. I plan to purchase a home this year and having this inaccurate information on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX Balance {$760.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX  ) XXXX Balance {$1300.00} XXXX Inquired on XX/XX/XXXX 2021
Product: Student loan

On XX/XX/XXXX, I received a letter from FedLoan stating that my account had been reviewed for PSLF with consideration of the Limited Waiver and have not made enough qualifying payments. However, upon review, only loans since my consolidation to FedLoan in XXXX were reviewed. I have had FFEL loans since XXXX and have been working in public service since XXXX. It is clear that the Limited Waiver has not yet been applied as stated in the letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account # XXXX, XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Equifax continues to report a FRAUD account even though I have sent police reports ID THEFT Affidavits and other supporting documents to them proving this account is indeed fraud. I continue to request proof from EQUIFAX of how this account is begin determined to belong to me. EQUIFAX refuses to send me anything showing this account does indeed belong to me and every time I dispute this account I get a letter stating the documents I've sent in are not legible and therefore there deemed invalid! The account that is Fraud is XXXX XXXX XXXX XXXX  If Equifax refuses to honor the Valid and legal documents to remove this account then it is my understanding they have to by law per the FCRA. I have attached copies once more of all the documents showing this account is fraud. I have also mailed once again hard copies of these documents.
Product: Credit card

My husband and i both opened accounts with Acima. Me, XX/XX/XXXX. XXXX, XXXX XXXX, on XX/XX/XXXX. The experience has been horrendous. We were attempting to take advantage of the 90days same as cash but due to Acima doing unauthorized withdrawals, they constantly overdrew our bank accounts causing nsf fees. Then would apologize and send the money back with out the fees. Now, we owe waaaaay more than what we originally borrowed and it seems so unfair to me how they do business.
Product: Credit reporting or other personal consumer reports

XXXX reported my card late in XX/XX/year> due to their error .. they finally agreed to fix it and remove late reporting! yet it now again shows as late on my transunion! remove late reporting
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information in my credit report. Below are the details for your review : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Incorrect Addresses to be Removed : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Additionally, I request the deletion of the following previous employment records from my credit report : XXXX XXXX Date Updated : XXXX  Make A Difference Landscapes Date Updated : XX/XX/XXXX
Product: Debt collection

I RECENTLY REVIEWED MY CREDIT FILE AND NOTICED A ACCOUNTS I DID NOT AUTHORIZE. I OBTAINED A POLICE REPORT AND PROVIDED THIS INFORMATION TO THE THREE MAJOR CREDIT BUREAS. XXXX INVESTIGATED AND REMOVED THE INANCCURATE DATA. I FORWARDED THE INFORMATION TO XXXX AND XXXX BUT THEY HAVE YET TO FOLLOW THE FCRA, WHICH STATES ALL INVESTIGATED INFORMATION FOUND TO BE INACCURATE BY EITHER CREDIT REPORTING AGENCY IS TO BE SHARED WITH ALL OTHER BUREAS AND THE INFORMATION IS TO BE REMOVED ALSO I LIVE AT XXXX XXXX XXXX  XXXX XXXX TX XXXXXXXX NOW AND FINANCIAL ASSISTANCE IS NOT LICENSED IN THE STATE OF TEXAS WHERE I HAVE LIVED SINCE 2019 SO I NEED FINANCIAL ASSISTANCE REMOVED FROM MY CREDIT.
Product: Credit card

I am writing to file a complaint against Capital One for unauthorized charges and potential identity theft on my credit card account. This complaint is in regard to the mishandling of the reported unauthorized transactions and the subsequent responses received from Capital One. 

**Background** : - **Last Authorized Use & Account Closure** : My capital one credit card account was closed in XXXX  XXXX 2023 due to returned payments, despite my immediate efforts to resolve the issue I was informed by capital one that my account would not be reopened. 
My credit card account was closed XXXX XXXX XXXXXXXX by capital one, I was unable to use the card, capital one closed he account. I never received notice from capital one that I was approved to open a new account, or any correspondence that my previous account had been reopened. The account representative with capital one told me my account was closed. If capital one reopened the account that they closed for returned payments they never notified me of this. My understanding was that my account was closed and my credit card was unusable. 

- **Unauthorized Charges During Hospitalization** : During my hospitalization, my personal belongings were stolen, including my Identification Card, my social security card, my cell phone which I use to access my capital one account and my banking app, as we all as all of my contacts. This was the only way I used to access my account.Unbeknownst to me, over {$8000.00} in charges were made on this closed account, which I discovered after my discharge from the hospital. A police report was filed regarding this theft XXXX XXXX XXXXXXXX. XXXX ). 

**Capital Ones Response** : - **Initial Communication** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One acknowledged these unauthorized transactions, assuring me that I would not be held liable. 
- **Subsequent Contradictory Letter** : However, a subsequent letter XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX : XXXX ), contradicted this assurance, stating there was insufficient evidence of fraud and holding me responsible for the charges. 

**Legal Position** : - Under 15 U.S. Code 1643, my liability for unauthorized use of a credit card is capped at {$50.00}, provided I report the unauthorized transactions in the timeframe required which I reported the unauthorized use immediately upon discovering it. 
- I followed all required procedures for reporting the unauthorized use promptly and believe I have been unjustly held liable for charges beyond the statutory limit. 

**Request** : - I urge the CFPB to investigate this matter thoroughly. 
- I seek immediate rectification, including the removal of all fraudulent charges above the {$50.00} liability cap. 
- I also request a detailed explanation of the inconsistent responses and decisions made by Capital One in this case. 

I trust that the CFPB will address this matter with the urgency and seriousness it warrants. Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to verify my ID, i've sent registered mails to them proving my ID to remove fraudulant hard and soft pulls on my credit. XXXX  was able to remove them but not Equifax. This has been pending 4 Months+
Product: Mortgage

Hello, I bought a house in XX/XX/XXXX and borrowed {$390000.00} from Colorado Housing and Finance Authority with the first time Colorado program. I had been making payments on time until I was offered the COVID relief program in XXXX XXXX. I was able to miss 5 payments and was told that those monies would be placed on the back end of the loan. I began making payments in XX/XX/XXXX and have been making them since. 

I am now in the process of refinancing my loan with a new lender, in order to lower my payment, and remove the PMI from the loan. I received the payoff statement from CHFA two weeks ago, however, and the Total Amount to Pay Loan in Full is over {$420000.00} -- {$28000.00} more than what I originally borrowed. I believe I know what is happening, the computer is ticking every day since the day I missed a payment for COVID relief, but no one has told the computer to stop ticking once I started making payments again last fall. The computer thinks I haven't made a payment since XXXX or XXXX of XXXX and my payoff statement reflects that, despite the fact I did make payments. 

I have spoken to multiple agents at the lender in all the departments, so far I think I've spoken to 30 representatives between Customer Service, Payoffs, Collections, and Loan Mitigation, and many of them supervisors. So far only two customer service agents have been able to understand my dilemma, none of the supervisors are willing to help beyond transferring me back and forth to Loss Mitigation from Customer Service where I have to start over from scratch.My feeling is either a ) no one has the time or inclination to help or, b ) no one has the skills to help. They are almost all very nice people but what would take me a few hours to do when I worked at a mortgage company, they are going on over two weeks. The folks at Loss Mitigation say I owe them {$12000.00} as of XX/XX/XXXX, which sounds like the amount of payments I missed for the five months in XXXX. To me at this point, they are hoping I go away-desperate to get the new loan so they can not have to bother with the math. 

I desperately want to pay these folks what I owe them, mostly so I can get back to work, but I don't want to spend my child 's college fund on their mistake.
Product: Mortgage

On XX/XX/2018 I attending a closing at the XXXX XXXX XXXX, XXXX XXXX offices to complete the sale of my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The firm was provided a payoff letter from the mortgage holder Mr. Cooper ( formerly Nationstar Mortgage ) created on XX/XX/2018 and good through XX/XX/2018. XXXX XXXX XXXX " cut a check '' ( actually prepared a wire transfer ) for Mr. Cooper in the amount stated on the document ( {$100000.00} ). I also had previously been in touch with Mr. Cooper, apprising them of my decision to sell the property. Mr. Cooper followed through with the foreclosure on the basis of a short payoff they said occurred because of a disbursement not listed on the payoff letter. Mr. Cooper now refuses to grant the release of the property while continuing to charge me for the monthly mortgage ( I haven't lived in the property since the closing ), as well as charging me for late fees, legal fees, and other charges. 

At the time I'm making this complaint, I'm also sending Mr. Cooper a demand that they rescind the late fees and other charges. 

Mr. Cooper made no attempt to contact me through e-mail, and terminated my online access to the account. I wouldn't be aware of the current situation had I not contacted Mr. Cooper of my own volition. 

The loan number from Mr. Cooper is XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent by registered mail, a letter addressed to Trans Union at XXXX XXXX  XXXX, XXXX, PA XXXX. Enclosed was a letter of dispute and a XXXX ( attached ) said letter was delivered on XX/XX/XXXX, at XXXX am per XXXX  Tracking ( attached ), The reason for the dispute was that XXXX XXXX was reporting The balance of {$1900.00} which I had disputed several times in the previous months with no avail, now that I received the XXXX in XX/XX/XXXX, I thought I would re-dispute with written proof, needless to say this was not the case. On or about the XX/XX/XXXX I received from Trans Union the investigation results dated XX/XX/XXXX, ( attached ) the results read " VERIFIED AS ACCURATE AND UPDATED '' showing a balance of {$1900.00}, even though the XXXX for {$1500.00} was sent from XXXX as well as sent to Trans Unions attention. Previous disputes where where " VERIFIED '' in the same fashion and with the same end results, another issue is the date of the identifiable event on the XXXX is dated XX/XX/XXXX, nearly a year prior to my disputes and XXXX still refuses to verify the correct information to Trans Union as well a the other two ( 2 ) remaining credit reporting agencies when asked to verify. Trans Union was furnished proper documentation and refused to update with documented proof and instead relies on undocumented press of a button.
Product: Debt collection

I have received two text messages stating the following : Message one TSI a debt collector, will send you account updates regarding your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX text STOP to opt out. 

Message two TSI, a debt Collector is here to help. Call XXXX so we can discuss options to resolve your XXXXXXXX XXXX  Text STOP to opt-out. XXXX XXXX XXXX XXXX XXXX I am not aware of any outstanding debt that I may have that would be in the hands of a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a message saying that I would be approved for new credit cards. I signed in and noticed there was a XXXX XXXX XXXX card. It said that if I was not approved, I would receive XXXX dollars. I applied but was not approved. 


XXXX XXXX has wasted over 2 weeks saying they are researching. Now they are saying that I am not eligible because I applied for the same card. I did not. My card with XXXX XXXX is an XXXX. It was already showing on my Credit Karma account BEFORE the XXXX dollar offer. I feel like Credit Karma might be running a scam but it is not helping my credit when I get turned down. I would NOT have applied if I thought I would be denied.