23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an excellent payment history with Klarna and i pay off every order i have with them. I have no problem with a Company checking my credit when it's important and necessary and i know that the Company is checking my credit unlike Klarna that check your credit without your CONSENT cover it as a Pay In 4 option. Klarna claims to not check your credit yet on XXXX i received an alert that there was an Inquiry placed on my credit and i included a screenshot. Klarna claims to not do credit checks but this is a big LIE. I checked my credit report with XXXX on XXXX and KLARNA is on there for accessing my credit report without my CONSENT on XXXX. Klarna is LYING that XXXX checks your credit when Klarna is the ones checking your credit when in fact it's Klarna who is checking your credit and i included a screenshot from the Credit Bureau as proof that XXXX didn't check my credit Klarna did. Klarna also have this as a Bank Account when i have NEVER opened a bank account with them. So i contacted Klarna on XXXX about this and this is what happened ...... 

*AGENT # 1 ...... 
This agent refused to give me her name. She first said " Klarna doesn't check your credit it was XXXX that check your credit '' which i knew was a LIE because in all of my years of purchasing tickets from XXXX i've NEVER once known XXXX to check your credit for purchasing tickets with your Credit Card or your Debit Card and i've NEVER seen XXXX on my Credit Report. This agent then change her story and says, " Klarna check credit for purchases at Merchants ''. I then advised her that Klarna claims to not check your credit to shop at their Merchants. Then she changed her story again. She put it all on XXXX then she hung up in my face. 

*AGENT # 2 ...... 
This agent was Rude and kept being Sarcastic and XXXX telling me " you don't know me ''. This agent sat and told me that Klarna checks your credit when you use certain cards. I told her that was the dumbest thing i ever heard since Klarna claims they don't check your credit. I also informed her that i've NEVER had any Merchant check my credit because i'm using my Credit Card or Debit Card. Then she started being Rude saying, " yea i am XXXX and XXXX but you don't know me ''. Clearly their agents have ZERO knowledge about credit or assisting customers when they call in. 



Klarna clearly teach their employees to just Blatantly LIE and tell customers anything because they obviously think that customers are stupid but a smart customer like me will look into what these people tell you.
Product: Debt collection

On XX/XX/2021, I received a letter from POM Recoveries about a XXXX XXXX debt stating that I need to provide information regarding his debt. On XX/XX/2021, I sent a letter specifying that POM Recoveries validate the alleged debt. On XX/XX/2021, POM Recoveries sent me a letter with a bill with two unknown signatures and an alleged statement that the Pt mother gave verbal consent. On XX/XX/2021, I responded to POM Recoveries that I never gave XXXX XXXX verbal consent. I requested that they still validate the debt and provide evidence of the verbal consent, the name and title of the unknown signature, and some sort of verbal recording since the alleged verbal consent is being contested. 
On XX/XX/2021, I received a letter from POM Recoveries requesting my insurance information. On XX/XX/2021, I informed POM Recoveries that my insurance company requested multiple occasions from XXXX XXXX to send them an itemized bill pertaining to this alleged debt due to fraudulent claims ; however, XXXX XXXX refused to provide the necessary information to validate the debt. On XX/XX/2021, I received a letter from POM Recoveries stating they contacted XXXX XXXX and they will not provide any additional information to them on this alleged debt. Also, the letter stated that the Hospital diligently recorded the date and time with their employees initial on the Consent and they have acted in good faith since the date of services. In addition, if they do not hear from them within 15 days from the date of this letter, they will resume collection action. 
On XX/XX/2021, I sent POM Recoveries a letter stated that they had not validated the alleged debt and they took this risk without doing their due diligence. In addition, I requested that they provide evidence of the alleged debt, name, and title of the unknown signatures, evidence of the alleged verbal consent, and signatories presented. I have requested that POM Recoveries validated the debt on multiple occasions, but they have been unsuccessful. I receive at least two to three letters per month regarding this matter, which is becoming quite frustrated due to their inability to validate the debt.

Your assistance is needed with this matter because POM Recoveries will not validate the debt since XX/XX/2021, but is threatening to resume collection without doing their diligence to validate the debt.
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.

Account name : XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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
Product: Mortgage

A check was mailed to planet home lending from XXXX  on behalf of myself and wife, the check was mailed out XXXX XXXX and it took 4 phone calls, an open to dispute to locate the check which didn't happen until XXXX XXXX. After I was finally able to speak to a supervisor because all other customer service reps wouldn't help me in tracking down why they haven't received the check.
Product: Credit reporting or other personal consumer reports

I have no connection to these creditors and did not initiated these inquiries. I urge you to promptly remove them from my credit report.
Product: Credit card or prepaid card

Before i called the us bank, i called XXXX, XXXX  XXXX, XXXX and XXXX XXXX  and they were more than happy tto defer payment up to 3 months .I have two U.S. Bank Skypass visa credit cards. On XX/XX/20, XXXX XXXX PST, I called to request for defer a payment due to coronavirus hardship. 
i talked to a CS rep lady and she was very sympathetic but couldn't help me much so i asked to speak to a supervisor. 
A guy name XXXX ( he did not give me any employee # when i asked ) answered. 

I can tell right away by his tone of voice he was annoyed to talk to me. I asked him for defer payment. He flat out said no. I asked why. He said its because its handle by skypass visa, not U.S. Bank. I said but I always pay to U.S. Bank. 
I asked him to push out the minimum payment amount to 1 or 2 months but he said no. It will keep accrued if you don't make a payment. 
Meaning if i don't pay {$100.00}, it will go up to {$20.00} and so on. 
I said but that's not how other banks offered. 
He kept saying about the skypass visa so I need to pay no matter what. 
i said i did not agree anything like that in terms and condition when i first got the cards. 
It was like talking to a brick. No matter what i said he didn't want to hear me and work with me. Either he wins collecting the money or he loose. 
I was never late or delinquent for 7 years until coronavirus pandamic. 
Why is he being such a jerk in this crazy pandamic time? 
Funny thing is one of my cards got deferred automatically. But not the other one. 
So its not actually up to skypass visa but its up to u.s. bank. 
And please show me the terms and conditions that i agreed on accrued defer payments.
Product: Credit card or prepaid card

My wife and I recently discovered that Citibank has been charging us monthly for a program called XXXX XXXX, a program we never signed up for or agreed to have. Apparently, Citibank put me in this XXXX XXXX program in XX/XX/XXXX. Only recently, I have started to closely monitor my finances using XXXX. I called XXXX XXXX ( who is an agent of Citibank ), and discovered, to my dismay, that I have amassed over {$6300.00} in debt for this program! This does NOT even include the interest that I have been paying! 

Naturally, I asked Citibank to immediately cancel this program ( which they did ) and refund me all of the charges ( they did not ). Consequently. I turned to the Minnesota Attorney Generals office, who sent a letter to Citibank on XX/XX/XXXX. 

Citibank made this statement in their formal response : Due to the length of time your account was enrolled in the program and the prior communications that were sent to you, which included messages every month on your billing statements as a reminder of enrollment, we must decline your request for a refund. 

Basically, they are saying that because they were able to trick us for so long, they should be able to get away with it. The XXXX XXXX charges were different month to month, and were buried among all the other obscure taxes and charges. 

Naturally, Citibank has NO proof that I signed up for this program. No signature. No recording of me agreeing to this program. Nothing. Moreover, in XX/XX/XXXX, when this card was opened, I was about to enter the hospital for an extended period of time. That marked the beginning of a very dark period for me in terms of my physical and financial health. 

It bears noting that at present, my ENTIRE balance at Citibank is solely comprised of XXXX XXXX charges, and nothing else. This month, I paid {$72.00} in interest on this bogus program.
Product: Debt collection

I get a call on my desk line every few days from XXXX with a recorded message for " XXXX XXXX ''. No one by that name works with our company, nor do I have any idea who this person is. I emailed the company to ask them to stop calling and leaving messages, but the email bounced back.
Product: Credit reporting or other personal consumer reports

Im reaching out for help regarding an issue Ive been dealing with for a while now. My Discover card ( account number : XXXX XXXX XXXX  ) was opened in my name back on XX/XX/XXXX, but in XX/XX/XXXX, I found out that it was involved in identity theft. 

Since then, Ive been trying to get the account closed and removed from my credit reports, but nothing has worked. Ive contacted both XXXX and XXXX, and they keep telling me the account is verified, even though its fraudulent. Ive also called Discover and explained the situation, but I havent had any luck getting it resolved.

I really need help with this. I just want the account closed and removed from my reports, but no matter what Ive tried, its not happening. Could you please assist me in getting this taken care of? I have filed another identity theft report as well. 

Thank you so much for your time and help. I really appreciate it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 50 days. Furthermore, under 15 U.S.C. {$16000.00} ( a ) ( 5 ), any intormation tound to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, [ XXXX XXXX [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my legal name in XXXX of XXXX. On XX/XX/XXXX, I realized that my name still had not been changed with this credit bureau, so I started the process by calling them. They told me to submit a copy of by SSN card and driver 's license. I submitted both of them, then they told me they rejected it because I didn't attach a letter requesting my name change. I sent the information again with a letter, then it was rejected because they said that the letter didn't have the right information. I asked very specifically what information needs to be on the letter and copied exactly what they said. I sent it again, and this time it was rejected without giving me a reason as to why. I was told to file online, but, when I attempted to do so, I was given an error that says that I can not dispute this information because there is already a dispute under investigation, despite the fact that every dispute I filed has since been closed according to their website. Because of this, I have been unable to utilize my credit to get a loan, or lease an apartment. I want my name changed on my credit report.
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. 

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used to apply for a XXXX XXXX XX/XX/XXXX and another application was submitted to XXXX XX/XX/XXXX. Official disputes were sent to each XX/XX/XXXX and as of this date no reply to the results of the investigation have been received. This is a violation of FCRA.
Product: Debt collection

This debt is apart of class action suit against XXXX and another company has bought their paper at pennies on the dollar. 

I was sold a lemon from the dealership and XXXX didn't care about it. I was making my payments on time until I began having major problems with my car. 

They showed on my credit report that all but 1 payment was on time and have continued to harass me all these years since 2016. 

Here are a few suits in the process : https : XXXXXXXX  XXXX https : XXXX  Here is another lawsuit : https : XXXX Now this new company : NCB MANAGEMENT SERVICE is doing the same thing and has reported a debt that was original with Santander Consumer USA. 

I never received anything from NCB MANAGEMENT SERVICE regarding their purchase of the note at a discount. They are a Factoring Company that buys bad debt in bulk and harass consumers for full payment amount when debt has already been discharged.
Product: Mortgage

I suffered a fire on XX/XX/2022. My insurance company, XXXX XXXX XXXX ), has issued a check for over XXXX to start repairs on my home. I hired a Restoration company and an Electrical company to come to demolish the interior and also to install temporary electrical service. Both companies has finished their work, but my mortgage company, Bank of America, is refusing to release additional funds to pay the contractors. They initially release $ XXXX, but the final total to pay these two contractors are $ XXXX. Bank of America acts as if the monies belong to them. They refuse to release additional funds, and I'm unable to pay their final bill and also I'm unable to hire other contractors to finish my home.
Product: Credit card or prepaid card

I have had my Sam 's Club Mastercard ( issued by Synchrony Bank ) for over 5 years ( since XXXX ). I have never missed a payment and I have always paid on time. I always pay the balance in full. 

Yesterday ( Fri XX/XX/XXXX ), I looked at my account online and I discovered the company closed my account. I called them and they informed me that it was closed due to my being a " high credit risk. '' The woman was confused because she noted my impeccable payment history. I informed her that a year and a half ago, the pandemic caused my investments to crash, which forced me to settle with my other unsecured creditors, but that did not affect my Synchrony accounts at all. I kept current with every payment. 

In fact, I use the Sam 's Club card so much that I have already accumulated {$730.00} in cash back rewards even though only half the year has passed. When I asked if I will get that, she said no ; it is forfeited. I have a problem with that. How can they unilaterally shut down my account, and refuse to pay the cash back bonus that I have legitimately earned? 

To rectify my complaint, I request these two : ( 1 ) I would like them to reopen my account, or ( 2 ) I would like them to honor the payment of my earned cash back reward bonus.
Product: Mortgage

I have a loan with PNC MORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have excellent credit and pay all our accts within 30 days. However occasional fraud attempts result in need for replacement cards. Thus in early XXXX I requested a replacement card from XXXX and received it. But I also requested an additional card for my wife, which I had rejected years ago for lack of need. Subsequent and repeated requests for status resulted in being told that apparently no one was capable of accessing that information. Finally a call was received from an XXXX rep stating that due to a FRAUD ALERT ( about two years ago ) there was no telephone number on the FRAUD ALERT for them to contact me for approval. Huh? They just did, didn't they? 
The utterly frustrating experience of automated responses, virtual assistants and agents who can not access information is beyond belief. I simply wish to have an additional card for my wife. It has been impossible to get through the 3 credit bureaus automation to attempt to correct the lack of telephone numbers on their reports. I have no idea why that would not have been included. Today I received 3 separate " letters '' from XXXX incorrectly advising they were " confirming '' cancellation of Additional Card application ( s ) allegedly as I " requested ''. This has become a critical Catch 22 situation with no resolution within sight.