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

In XX/XX/2022, I contacted Kohls in regards to my store card after I became chronically ill. I was out of work for a prolonged period of time, and needed assistance with making my payments. After explaining this to the Kohls customer service representative, she explained that I could take part in a financial relief program that they offered. She told me that I would pay about $ XXXX while on the program, and that my card would be frozen until I paid off the balance. I asked her if my Kohls card would be closed, because I did not want to close it. She said that the card would not be closed, and that it would only be frozen. I agreed to join the program because I was told my card would not be closed. A few weeks after this phone call, I received a letter in the mail stating that my account was closed because of my enrollment into the program. I called Kohls back, and asked them why my account was closed. The agent informed me that the closure of the account was one of the terms of the agreement. I went back and forth with Kohls for a few weeks about this, and they eventually listened to the call in which the agent enrolled me into the program. They told me that they heard her tell me that they account would remain open, but there is nothing they could do since it had already been closed. The closure of this account caused my credit score to drop over XXXX points. This account was my second oldest account on my credit history.
Product: Checking or savings account

Chase Bank reversed the bank credit caused by XXXX XXXX XXXX charging me for equipment that I did not received. XXXX XXXX XXXX canceled the order.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 card or prepaid card

On XXXX XXXX my Cash app account was hacked and {$630.00} was stolen from me. I emailed cash app several times and on XX/XX/2021 cash app sent an email that this issue had been resolved and the $ XXXXwas credited back to my cash app account. Cash app credited this money to my old cash app account which was hacked. On XXXX XXXX I attempted to log into my cash app account and was unable to. I have sent cash app several emails asking for help to log into my account. Every representative that has responded back is not giving a resolution to the problem. I have asked Cash app to forward the credit to send the credit to my new cash app account or mail the credit to me in the form of a check.
Product: Debt collection

This was an XXXX DOLLAR CHARGE FROM 2013!! I PAID IT OFF MORE THAN 40 DAYS AGO. IT IS STILL SHOWING UP ON MY CREDIT REPORT ON XXXX. THE PEOPLE AT LOUISIANA RECOVERY SERVICES ARE SO STINKING RUDE!!!!
Product: Debt collection

asof XXXX I owed XXXX to Florida XXXX XXXX  XXXX. I had a conversation with someone at Florida XXXX XXXX  XXXX to give my forwarding address for final bill. I asked about my deposit I beleive is XXXX, she told me that the deposit would be applied tothe final bill and I would receive an updated bill to pay. Today I.C. Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ph # XXXX sent me by mail a collection notice for XXXX. 



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

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

ENHANCED RECOVERY CO L XXXX Balance {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor charged off and closed the account in XX/XX/XXXX. The company continues to report an increase in the balance and that the account charged off each month. The company increased the balance reporting XXXX, XXXX, XX/XX/XXXX and XXXX, XXXX, XXXX. The company is accessing my credit report for no legitimate business purposes. The account has been disputed with the major credit bureaus, however, the inaccurate information remains on my report. I continue to get alerts that the balance on the account has increased, and that the account is past due. The status is reported as charged off/closed on the credit report. The company is acting in an unfair and illegal manner by continuing to access my credit report after the charge-off/closure of account. The customer service representative for the company stated the account was in an accelerated pay-off status in their view. I have reported to the three major credit bureaus about the abuse. The company has been permitted to access my personal information repeatedly.
Product: Checking or savings account

Owner about XX/XX/XXXX. I made a billpay payment to XXXX  XXXX XXXX to pay my credit. Somewhere around XX/XX/XXXX XXXX called me and told me there was an issue issuing electronic checks that they were issuing a paper check. I believe they were having some kind of system issues that affected many of their clients, and not just me in particular They told me it would take XXXX to XXXX business days. I told them my payment was due on XX/XX/XXXX. I also explained that Im paying interest there so its important that the payment gets there as soon as possible. They gave me an XXXX number to call for any, I would like to make after the payment was made on XX/XX/XXXX. I contacted them again saying the payment still has not shown up the lady at the XXXX number told me she can not help me and I asked to speak to a supervisor. The supervisor told me theres nothing they could do that they could stop payment on the check and I would receive my money in XXXX to XXXX business days, I told him that check would come in the first or second week of XXXX not only will. I have been paying interest but I will also have a late payment and it will affect my credit. He said he could issue me a letter to clean up my credit if it messed it up, I told him his letter would not be very helpful since the credit is not Capital One, but it is my equity line of credit at XXXX XXXX  XXXX. He said that is all he could do to help me. I searched and found an XXXX number at Capital one for XXXX complaints. The person from their contacted me this morning Friday, XXXX XXXX she told me she would look into it and let me know something by XXXX. Meanwhile, Capital One has had my funds for over a month. They have never credited my account at XXXX XXXX XXXXXXXX where Im paying interest of 9 %. I am completely unsatisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never opened or had a grow credit account. Ive been asking for about 2 years now to show me where Ive opened the account. Plus any information thats incorrect should be removed by law. Ive tried multiple times to also reach out to credit card company. When finally in contact, I told them how was I a victim of fraud and even showed her a copy of the FTC report
Product: Mortgage

Rocket Mortgage appears to conveniently try to block certain communications with certain clients. As I've had previous problems with them and the telephone payment system, which also caused me to be late on payment. I've asked XXXX and her Supervisor, XXXX today to credit me for that payment because Rocket, formerly known as, Quicken Loan payment line XXXX, being inoperable. 

I'm also having difficulty right now faxing them a follow up, Qualified Written Request to XXXX, for current amortization and loan transaction history reports. 

Not sure whether this complaint is going to allow me to attach file, but her is letter been attempting to fax Rocket Mortgage a previous Qualified Written Request. And the suspicious nature of their documentation of communications with their clients. 

Previously requested a copy of loan amortization for account # XXXX. 

Rocket Mortgage ( RKT ) did not supply an updated amortization schedule reflecting actual loan amount, interest rate, and amortization period. 

Likewise, RKT also did not supply transaction payment history from start to date. 

Finally, Rocket Mortgage is supplying customers documents dated XX/XX/2022 and XX/XX/2022, while enclosing them in mailings post marked XX/XX/2022.
Product: Mortgage

Solicitation for refinance from Zillow Home Loans referencing a person who is not me or anyone who lives at my address. The addressee is shown as my first name and middle initial, with the last name of the person from whom I bought the house three plus years ago. 

This is either a bad data merge OR an attempt by an irate relative of the former homeowners tenant - but Ive got no way to tell. I will be attempting to contact Zillow home loans directly as well, but wish to understand if the data merge is fraudulent or illegal.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 4 complaints against Equifax asking them to provide me with the additional information they went on record on XXXX the XXXX and claimed they had that validated the debt between me and XXXX XXXX XXXX. The attached document ( Equifax XXXX ) is what they keep mailing to me in response to my complaints, There is nothing on that document that is different from the one I submitted in my complaints ( XXXX, XXXX, XXXX, XXXX ) that Equifax said they had the additional information on. Equifax keeps sending me the same identical information that they attached to my dispute resolution on XXXX the XXXX. ( See Equifax dispute 3 ). I want to see this additional information they claim to have. The information they keep mailing to me is not additional information from the original creditor that validated this debt. This is the same exact information that Equifax supplied me on XXXX the XXXX. This debt is not a valid debt and Equifax is lying when they say they have additional information that validates the debt. The SC Attorney General office Consumer Protection division has already opened a fraud investigation against XXXX XXXX XXXX for making up bogus s debts and supply them to the credit bureaus to scam people into paying these debts. I have a legal right to see this addition ( NOT THE SAME BUT ADDITIONAL ) information Equifax claims they have from the original creditor that validated this debt.Read the attached document I received in the mail from them today. This is not additional information that validates this debt. In the part of the document that says additional information there is nothing there. I want to see this additional information. Stop sending me the identical information you sent attached to my dispute resolution on XXXX the second. The information they keep se So far the CFPB once again has taken no action against Equifax even though Equifax is denying me my rights by not showing me this alleged addition information they claim to have.
Product: Debt collection

Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.
Product: Credit card or prepaid card

I purchased a Used transmission for XXXX from a junkyard on XX/XX/2022 with a 30 day warranty. Once transmission was received, the transmission was broken. After trying to resolve the issue with the XXXX ( XXXX 's auto recycling ), they claimed that they did not break the transmission and declined the return even though i provided them with pictures and proof instantly after receiving the transmission. Capital one advised me to get a XXXX opinion from a 2nd merchant and to return the item. The 2nd merchant concluded upon investigation that transmission was broken due to a car accident before shipment, i also returned the transmission with a tracking number. Despite doing everything capital one advised me to do, they declined the dispute. I have been using my capital one credit card for 6 years, spending over XXXX per week on it, only to be robbed from my money as a thank you. Capital one is terrible, and i advise everyone to stay away from visa and use a safer company like XXXX XXXX
Product: Credit reporting or other personal consumer reports

I basically asked XXXX for a credit report on me, its been a year now and they havent issued me a credit report with any credit on the report. Because of their error, im asking to have every credit report, XXXX, XXXX, and Experian to issue me and report with refer to this section of the U.S. Codes : Delete Inquiries 15 US Code 1681 ( a ) 15 US Code 1681 ( b ) Delete Late Payments 15 US Code 1666 ( b ) 15 US Code 1637 ( a ) Delete Collections 15 US Code 1692 ( g ) 15 US Code 1692 ( c ) Delete Chargeoffs 15 US Code 1681 ( e ) 15 US Code 1681 ( i ) Im asking the CFPB to assist me, because i havent received the proper response on my credit reports from XXXX, XXXX, or Experian. I also ask each report be released to me and creditors, XXXX is the company that hasnt given me a report in over a year. Just a blank page.
Product: Credit reporting or other personal consumer reports

Experian is dishonestly conducting business, after disputing and verifying the same accounts with the same information with the other two companies ( XXXX, and XXXX ) my credit was on track to be completely restored to my once perfect record. However they did not delete one single thing, they actually added accounts that werent previously recorded, so some how I decided to go back to XXXX after switching from my current service oXXXX XXXX XXXX XXXX and I apparently owe the XXXX for WHAT.?? I give them my Identity theft FTC report, and they say nope not not good enough and deny ALL my disputes which for the most part have ALL been deleted from all other Companies moving me from a XXXX to XXXX in XXXX months, and with experian playing their games its heading backwards. For accounts that ARE NOT MINE.!!
Product: Money transfer, virtual currency, or money service

Zelle accept payment from even the other payment or transaction is fraud and they wont reverse payment even though they can so i want people to know that zelle is not safe app because u will lost anyway.
Product: Checking or savings account

SINCE XXXX, I HAVE TOLD XXXX XXXX TO STOP AUTOPAY FROM MY ALLY BANK CHECKING ACCOUNT/DEBIT CARD WITH THE INTENTION OF PAYING THEM VIA CREDIT CARD FROM A DIFFERENT FINANCIAL INSTITUTION. AS IS MY RIGHT TO PERMIT AND WITHDRAW SUCH CONSENT. 

FURTHERMORE, I LEFT XXXX FOR XXXX XXXX XXXX XXXX IN THE SUMMER. AGAIN, I HAVE THE RIGHT TO DO SO. ANY POTENTIAL DISPUTES BETWEEN XXXX AND I WOULD ( SHOULD ) HAVE NOTHING TO DO WITH ALLY AT THIS POINT. OR SO I THOUGHT AS FREE XXXX. 

INSTEAD AND DESPITE CONTINUOUSLY WITHDRAWING CONSENT FOR AUTOPAY WITH XXXX DIRECTLY AND AT THE SAME TIME WITH ALLY TO STOP PAYMENT/BLOCK MERCHANT FROM USING MY ACCOUNT NUMBER AND DEBIT CARD NUMBER TO ACCESS MY FUNDS. I KNEW THIS WOULD HAPPEN SO I TRIED TO GET AHEAD OF IT. ALLY PROCEEDED TO ASSURE ME THAT THEY HAD MY BACK AS SUCH A SUPPOSEDLY VALUED CLIENT. THEY ENDED UP NOT BEING ABLE TO PREVENT SUCH UNAUTHORIZED WITHDRAWS EVEN AFTER A SUBSEQUENT REPLACEMENT OF THE DEBIT CARD THUS CHANGING THE NUMBERS. 

I OPENED DISPUTES THAT WERE AND ARE NOT BEING RESOLVED PROPERLY. XXXX CONTINUES TO ESSENTIALLY COLLUDE WITH AND CONSPIRE WITH ALLY TO DEFRAUD ME OF MY HARD EARNED MONEY. XXXX MAY VERY WELL BE A CORPORATE AMERICAN SCOURGE BUT ALLY HAD VIOLATED THEIR FIDUCIARY DUTY AND IS GUILTY OF MISMANAGEMENT AND GROSS NEGLECT OF THE HIGHEST MAGNITUDE. 

IN SUMMARY. I WAS BEING RIPPED OFF BY XXXX. I DESIRED TO SAFELY SWITCH PAYMENT METHODS TO AN ALTERNATIVE FINANCIAL INSTITUTION. XXXX REFUSED TO STOP THEIR AUTOPAY-AGAIN WHICH I COMPLETELY AND REPEATEDLY CANCELLED-AND THUS KEPT TAKING MY MONEY OUT OF MY LONE CHECKING ACCOUNT WHERE MY PAYCHECK GOES FOR MY FAMILY. EVEN AFTER I LEFT. MONTHS WENT BY WITH SUCH UNAUTHORIZED TRANSACTIONS TAKING PLACE. EVEN AFTER I REPEATEDLY INSTRUCTED ALLY TO PREVENT THESE FROM HAPPENING. I CONTACTED THEM BEFORE, DURING AND AFTER THESE TRANSACTIONS THROUGH THE PRESENT DAY ( FALL XXXX  ). I BET XXXX WILL STEAL MY MONEY NEXT MONTH AND BEYOND AS WELL UNDER THE BLIND EYE OF ALLY. THEY ALLEGEDLY STOPPED PAYMENT, HIDE MY ACCOUNT NUMBER, REPLACED MY DEBIT CARD AND OTHERWISE BLOCKED XXXX FROM ATTEMPTING TO WITHDRAW MY MONEY. THEY EVEN CLAIMED TO PUT A RANGE BETWEEN {$0.00} AND {$1000.00}. GUESS WHAT? THE FRAUD AND UNAUTHORIZED TRANSACTIONS CONTINUED AND WILL CONTINUE. 

IF THIS IS NOT A CFPB REGULATION E OFFENSE, I GENUINELY DO NOT KNOW WHAT IT. 

LORD HELP THIS BROKEN COUNTRY.
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. Please be notified that this is now my multiple warning that I fully propose to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery is attempting to collect a credit card debt that they bought. They call twice a day every day and never leave a message on my answering machine. They just let the phone ring and ring and then hang up, never leaving a message. Once I picked up the phone and told them to stop calling because they never leave a message. This has been happening for many many months.
Product: Credit reporting or other personal consumer reports

Dear Experian, XXXX, XXXX This letter is a follow-up to my previous correspondence dated XX/XX/2024 regarding inaccurate information on my credit report. In that communication, I disputed the following items : Late payment on account number XXXX on XX/XX/2024 there was a late payment posted on my account where i was never late Federal law, under the Fair Credit Reporting Act ( FCRA ), requires you to investigate disputes within 30 days of receiving them. As of today, XX/XX/2024, I have not received any response regarding my dispute. 

I request that you immediately investigate this matter and take the necessary steps to correct the inaccurate information on my credit report. Please provide me with a written update on the status of my dispute within XXXX business days of receiving this letter. 

For your reference, I have enclosed a copy of my previous correspondence and any supporting documentation I submitted with my initial dispute. 
Cfpb Account # XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX