23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I contacted Kohl 's in reference to never receiving a credit limit increase after having the account for over a year. After hearing what the representative had to say, I stated that I would more than likely close my account once I have reached a {$0.00} balance. At a later date, XX/XX/XXXX, I was attempting to log-in to my account to make a payment. Online was n't working so I called the automated service, only to learn that my account was closed. I was completely surprised, and needless to say, furious! I immediately selected the option to speak to a representative so that I could get to the bottom of this. First, the representative stated the my account was closed, but there was no explanation. Minutes later, he returned to the phone, telling me that my account was closed at my request. I knew without a doubt that I did not make that request. After speaking to the representative and a supervisor, I was told that it could take days for them to retrieve the recording of the XX/XX/XXXX conversation. Days later, I contacted customer service again. This time, I was told that it could take weeks to retrieve the recording. After contacting the corporate office, I finally received a call back from XXXX in the executive office on XX/XX/XXXX. She was pleasant and assured me that she would pull the recording and that I would hear from her no later than XX/XX/XXXX. I never received a call back on Monday so I called her. XX/XX/XXXX, I received a call from XXXX. She stated that the conversation from XX/XX/XXXX was pulled and that I was correct, the employee did in fact close my account without my consent. I was told that my account had been reopened and that someone will speak with that employee. 
With my account being closed for 30 days, a negative reflect on my credit and not being able to use my credit card calls for more than a {$25.00} gift card, which is what she offered after I asked what Kohl 's was going to do to accommodate me for the inconvenience. When asked what I thought was fair, I suggested a line of credit increase or a {$500.00} gift card. I was told that they would not be able to do either, and that the decision was coming from the president 's office. I contacted the corporate office one last time and left a message with XXXX on XX/XX/XXXX. I never received a call back. I have never in my life experienced such horrible customer service, especially when the company is at fault. This is unacceptable!!!
Product: Debt collection

called each company below and asked for purchase agreement which I did not receive. Would you please verify that these collection are 100 % accurate and if not please remove them from my credit report. 
Bounce AI INC. Acct # XXXX for {$680.00} XXXX XXXX XXXX Acct # XXXX {$600.00} XXXX XXXX  Acct # XXXX $ XXXX
Product: Vehicle loan or lease

I bought a car from XXXX 5 years ago and never missed a payment until XXXX closed down my XXXX  They were supposedly working with me after my XXXX  stay of 4 months where I was XXXX and have XXXX XXXX ( XXXX ). They decide to repo my car I was not late on then make me pay a large sum of money to get it back with all my personal belongings. I was at their mercy so I paid this amount. They blocked me from logging into my account or accessing any info. Afterwards I was told that they reported it to the credit bureau as a charge off which means they no longer are trying to get the funds right? Nope because I still have the loan as always making these higher payments with now no interest?!?! It has wrecked my credit and the amount it says I owe is so far from the truth! But do I owe it since its a charge off? They told me I now have to call the day its due and if Im even a minute late they are coming to get it. But wait I thought you werent interested in the loan repayment now? Car is still registered to me I carry insurance on it and make the payments not to mention i had a payment scheduled and talked with them. So what they get to write off the amount they say I still owe which is not correct at all and I still have to pay this amount even thought you charged it off? This company sees an opportunity to pick on sick people who cant afford attorneys, wreck their credit, lie about amounts due then block you from accessing any of your loan details. Not to mention Ive had this loan for 5 years and it was never on my credit report until now. So all the years of on time even early payments was never reported. I spoke with an attorney and a Judge and gave them all supporting evidence that this is not legal and they agreed. But I can not afford an Attorney not to mention every single day of my life is a fight for survival with a medical condition I didnt deserve. Everywhere I turn I cant seem to get help.
Product: Credit card

Tomo card owes me {$520.00} dollars, stemming a refund from XXXX XXXX XXXX that went back to the card in 2023. 

I've tried to reach out to customer service multiple times through chat, email, phone and have received no responses. Hoping to get some or at least partial refund back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # -- -- --, 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

There was an inquiry made on my credit by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. I called them and alerted them of the fraud. Someone opened up a credit card and made purchases. I want the inquiry removed and I want to prosecute the fraudster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am eligible for payment from the Santander multi state settlement due to unfair business practices and also paid off the account I had with Santander. I received written correspondence from both the Attorney General regarding the payment that is due to me as well as a letter from Santander that states my debt was settled and paid in full. I have contacted XXXX, and XXXX  several times providing this proof, however they refuse to correct my credit report and it is negatively impacting my credit worthiness. I have attached copies of the documents provided to all three credit bureaus and demand that my credit report be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

XXXX PNC BANK I WAS OVERDRAFTED DOUBLE TIME WITH XXXX  LATE FEES
Product: Credit reporting or other personal consumer reports

Experian is reporting an account from XXXXXXXX XXXX that has been reporting for over seven years. It should be removed after seven years
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my FTC report. Along with my license to XXXX, Equifax, and XXXX. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX is constantly contacting me at ( XXXX ) -XXXX-XXXX. They will not give me the name they are calling for. Then they said they needed me to verify the last four of the social so I gave them the last four of both my wife and myself. They said " No neither one of those is correct '' They will not give me the name of the original creditor. The last time they called, a few days ago, they said they would take my phone number out of the system. I said, " thats what you told me last time ''. Their response was " Oh no, we will remove your number. On XX/XX/18 at XXXX they left another message on my answering machine. If you call them back the automated system says that the extension number you put in is not valid. I give up, please help. Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There is an unverified late payment, paid charge-off, and collection that hasn't been validated that's on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit was paid off as shown in previous credit reports now they are showing I owe a balance and saying and giving me a bad credit report with this when it was paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION REFUSES TO UPDATE MY ADDRESS AND INFO. 
MY SOCIAL SECURITY CARD WAS ISSUED IN XXXX BUT NOW IN XXXX, I LIVE IN PENNSYLVANIA. need this updated and verified, and confirmed. Please send me the annual ( free ) credit report. I provided my info in the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I requested verification of inaccurate information on an account listed by the credit consumer reporting agencies on multiple occasions from both the data furnisher and the credit reportion agency for XXXX account number XXXX. I also disputed this account directly with the data furnisher and as per XXXX they have no record of this account on file yet they continue to report a derogatory account in my name. I am enclosing the notice XXXX sent me as a reply to my inquiry. Which states they have no knowledge of this account and the letters sent to the reporting agencies I sent last to the Experian and XXXX which are continuing to violate my right to accurate reporting. Both agencies are reporting different dates of last activity. The are showing a balance for on the account that was allegedly written off as a bad debt. They are reporting different dates of being last reported. How can any of this be accurate if none of the parties involved XXXX, Experian, or XXXX are showing any of the same information.
Product: Checking or savings account

I had opened a Citi Bank business account in XXXX of 2020. I had made a deposit to open my account in starting XXXX XXXX from money I had saved. I had helped a childhood friend of mine who had applied for an SBA loan by allowing him to transfer his money to my account since he was in between business accounts and had applied for the loan during Covid to get back on track, once he had opened his new account I had transferred his money directly to his account and It was maybe a week later that Citi Bank froze my account and would not give a reason, they just told me that my account was under investigation. This was XX/XX/2020. 

I had called my branch business representative for help and he told me my money should be released within a week or so and then I received a letter from Citi stating they were closing my account permanently and would not give a reason but the letter said I should receive my funds in the account within 30-60 days. I had waited 60 days and nothing and then got back in touch with the business rep at Citi along with Business customer care and their Fraud department at which time they told me my account was frozen by SBA and that they were taking {$15000.00} from my friends loan back.

We both contacted SBA directly multiple times and it was verified that this was untrue and SBA did not freeze my account nor did they ask for my friends loan back yet Citi froze my money although my friends SBA loan money was long transferred to him and utilized for his business needs. I had made so many attempts to rectify this with Citi, all the while they were sending me Bank statements saying that my account was open with {$15000.00} in it until last week when I received a letter stating that my account had a XXXX balance and that Citi was now closing my account. 

My friend and I contacted SBA and they again verified that they did not take the money out of my account and did not initiate a fraud investigation in which Citi had seized my funds. They verified that my friends loan was in good standing and had even provided a date when his first payment is due. This is apparently Citi bank freezing my account even though I provided proof that my friend 's loan was valid and they now seized my funds for no reason. It is apparent Citi Bank is stealing my money and will not give me an explanation of where my Money is, they simply hang up the phone on me or usher me out of the branch telling me they will not discuss this again yet gave no explanation where my {$15000.00} is and SBA does not have it. I am XXXX years old and had saved my money for a longtime to be able to open XXXX XXXX  and they have hijacked my account without properly investigating or giving details on what and why my account was locked and where my money is now. Please Help Me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

EXPERIAN COLLECTION : XXXX XXXX AZ Balance {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COPPER XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALASKA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX AZ XXXX Balance {$0.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX RIGHT XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX RIGHT XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Certainly! Heres a letter you can use to address your situation with the Consumer Financial Protection Bureau ( CFPB ) regarding the XXXX XXXX account, now owned by Waypoint Resource Group LLC : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Request for Removal of Debt Due to Identity Theft and XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit accounts. I am a protected individual under the XXXX XXXX XXXX XXXX  ( XXXX ), and I am dealing with severe consequences related to XXXX XXXX and identity theft. 

**Account Details : ** - **Original Creditor : ** XXXX XXXX - **Current Owner : ** Waypoint Resource Group LLC - **Address for Waypoint Resource Group LLC : ** XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX **Amount Owed : ** {$660.00} **Background and Request for Resolution : ** During my time living in West Virginia, I was subjected to extreme XXXX XXXX by XXXX XXXX, who is also the individual listed in the XXXX XXXX XXXX I am submitting . This XXXX  included XXXX  XXXX, XXXX XXXX, and severe harassment. Notably, XXXX XXXX stole my identity, which has led to the creation of unauthorized accounts in my name, including the one with XXXX XXXX. 

I have never had any knowledge of, or involvement with, the account in question. The XXXX  and identity theft have significantly impacted my financial situation and have caused me immense distress. 

**Requested Action : ** - **Removal of Debt : ** I request that the account originally with XXXX XXXX  XXXX now held by Waypoint Resource Group LLC , be removed from my credit report. The account was fraudulently created due to identity theft perpetrated by XXXX XXXX during the course of the XXXX. 
- **Review and Adjustments : ** I ask for a thorough review of my situation and the removal of any related negative entries from my credit report that stem from this identity theft. 

Attached, you will find relevant documentation, including the XXXX XXXX XXXX and evidence supporting the identity theft and XXXX. I hope this information clarifies my situation and supports the request for removing this debt from my record. 

I appreciate your prompt attention to this matter and your understanding of the severe impact these circumstances have had on my life. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation. 

Thank you for your assistance and consideration. 

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

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} ; US DEPT ED XXXX XXXXXXXX : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.