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

I have made multiple attempts to challenge this account, however it has been repeatedly re-added to my record, despite previous deletions by other agencies. This situation is causing me both XXXX  and financial XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting because I am really getting annoyed with the business practices of this card. I understand that it is a card for those with limited to bad credit, but the fees are outrageous. It was reported that XXXX maxed out or exceeded my limit. I did not max out the card. The fee of {$49.00} was added to the statement, making the account {$600.00}. It was not maxed out on my end. The added fee was what gave that result of {$600.00}. I paid for an XXXX XXXX & rental with this card & was strategic on not maxing out the card. Additionally, I did not receive a reminder of payment for the first month payment. So, after only 3 days grace period, I received a $ XXXX {$45.00} charge that was reported again. All of that which is reported is not helping my credit.
Product: Credit reporting or other personal consumer reports

Kikoff has consistently reported inaccurate information across all three credit bureaus, including NR ( No Rating ) for several months in XXXX, XXXX, and XXXX, which is not a valid status under the Fair Credit Reporting Act. Additionally, critical fields such as Date of Last Activity, Terms, Scheduled Payment, Credit Limit, and Payment Status are either left blank or incorrectly reported. These inaccuracies have caused significant financial hardship by impacting my credit score, making it more difficult to secure loans and financial opportunities. The ongoing reporting errors have also led to emotional distress, as the uncertainty surrounding my credit status has added unnecessary stress and confusion. The failure to address these issues in a timely manner continues to have a detrimental effect on my financial well-being. 


attached are the previous responses from kikoff
Product: Money transfers

I used Ebay as a selling tool to sell my used XXXX XXXX XXXX XXXX or XXXX driver headlight. The buy contacted me on several occasions and received all necessary information about the product via Ebay messages. My final message to the buyer included the part number and to ensure that the item fits his vehicle prior to buying it as i did not want any returns. I clearly stated that in the listing. Buyer proceeded and purchased the item from me 3 days later {$330.00} ). In addition to this purchase, buyer bought XXXX additional headlight ( {$30.00} ) from me that was in broken condition and was sold for parts only. Upon receiving the items, buy requested a return and stated that item does n't fit and the part # is not what he wanted. I advised that there are no returns. Buyer opened a return with Ebay and Ebay agreed with me ( seller ). The buyer however, is not realizing that he purchased both items from me and was opening the return for the {$30.00} headlight but wanted refund for the {$330.00} item. Then buyer stated that the item was damaged. I immediately contacted XXXX and filed a claim. XXXX examined the package and found that there was no damage and buyer falsely reported the claim. The buyer turned around and opened a case with Paypal which was used to pay for the product. I provided all my messages to paypal from ebay and from XXXX that the buyer was attempting to scam me and XXXX. Paypal reviewed the claim and contradicted all the evidence and allowed the return to the buyer without a valid cause. PayPal was used to transfer the money only and the initial agreement of purchase is held with Ebay. If ebay is deciding against the buyer, PayPal can not make their own decisions and contradict Ebay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$140.00} ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX of inquiry XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I contacted XXXX XXXX on Friday, XX/XX/2018 to inform them that my payment in the amount of $ XXXX will be postponed due to a financial setback and that payment would be remitted during the month of XX/XX/XXXX. The representative was combative and said that if a payment was not rendered prior to XX/XX/XXXX that it would be reported to credit bureau. I apologized and indicated it is unfortunate but there was no way payment could be made at that time.

Today, I noticed that they went ahead and processed this payment without my authorization which created an overdraft in my checking account. XXXX XXXX did not have authorization to withdraw this amount from my account.
Product: Credit reporting

Equifax has never in 6 and half years identified to me who verifies the information that XXXX XXXX is reporting. The statement from Equifax is the information has been verified and it is belongs to you. Who is verifying this? Surely it is not XXXX XXXX, I have court documents proving this account is no longer valid. Additionally, Equifax states no additional information has been received and closes the dispute. This is unbelievable, I know it is disgusting and deplorable but is n't this a failure by the Consumer Finance Protection Agency to stop this type problem for consumers?
Product: Credit reporting

Items on my credit report were due to identity theft and fraud. I disputed the items in question and were deleted. The items are now showing on my credit report again and not sure why. I have also contacted the collection agencies and told they are not reporting. The credit agency refuse to remove the incorrect/outdated/fraudulent items from my credit report.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see some incorrect information that is affecting my credit report and my ability to obtain credit at the moment, can you please investigate this account? 
account- XXXX account number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax by phone regarding my credit report im unable to get my report or score from XXXX XXXX or any other credit monitoring service. This is not the first time and its just an on going issue with my equifax credit report. They have fixed it before and it has happened again where all my credit accounts have vanished from my report. Its impacting my lifestyle and my credit worthiness to creditors. Every time I have contacted them they tell me all is fine on their end and I do have an actual file with them how ever nothing is reporting when I pull my report.
Product: Debt collection

I received a letter in the mail from : Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX www.credit-control.com It alleges I had a debt in XXXX with XXXX XXXX XXXX in the amount of {$7200.00} of which I allegedly owe {$16.00}, XXXX. XXXX XXXX YEARS AGO, ARE YOU KIDDING ME. 

I have never had a debt with this company. I pay all bills on time every time. I have lived at the same residence for the last 12 years and not ever received this sort of notification, and my credit report as of XXXX of XXXX does not reflect this debt. 

I do not want to communicate with this company because I think it is a scam of some sort, and want your guidance and/or assistance in this matter. 

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

XXXX XXXXXXXX XXXX is reporting a balance on a credit card that was settled and should be reporting a {$0.00} balance and showing settles. I have reached out to them and all credit bureaus and the item continues to be verified which is not true and they are literally breaking the law by not updating this. the Account number is listed as XXXX and it is currently reporting a past due balance of {$1400.00}. So I am also confused how a charge off can report a past due balance also? Especially after this account was settled on a recorded line with XXXX and they took full payment and still have not sent me any correspondence in the mail about this as they promised on the call.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their failure to respond to a dispute letter I mailed on XX/XX/XXXX, via USPS certified mail, tracking # XXXX XXXX XXXX XXXX XXXX XXXX In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. 
To facilitate the verification of my identity and address, I included a copy of my photo ID, Social Security card, and a recent bill with my current address along with the dispute letter. Despite my clear and thorough request and the provision of these documents, I have not received any response from Experian regarding the investigation results. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Product: Checking or savings account

On XX/XX/2018 Capital One put an offer for {$500.00} for their XXXX XXXX XXXX Account where if you deposited a cumulative amount of {$50000.00} you would receive the bonus. From XX/XX/XXXX to XX/XX/2018 I cumulatively deposited $ XXXX and I called in after 60 days asking for the {$500.00}, but the call agent said that there is a $ XXXX balance requirement that wasn't part of original offer letter. 

They are adding a new element to the terms and conditions that wasn't present in the original document in order to not pay out the bonus. 

Attached is the offer where there is no mention of a XXXX balance and screenshots of my bank statements where you can see I cumulatively deposited {$50000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 604A. States I have the right to privacy.

15 U.S.C 1681 section 604A. 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 with 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

sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX regarding to student loans paid off and very old accounts and request for deletion because its holding me back from getting ahead along with investigations for bankruptcy. However its been more than 30 days and the credit bureaus failed to send my investigation back. I XXXX  been going back and forth with this since XX/XX/XXXX. This is not making any sense. XX/XX/XXXX I have also sent a letter to the court asking if they report bankruptcy to credit bureaus and they sent me a corresponding letter stating they do not report to credit bureaus. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

I was under a financial hardship after my divorce and been laid off from my employment that caused me to be behind with my mortgage payment, I have tried several times to seek assistance with my current mortgage lender. Now I'm employed and my area has been affected by COVID-19 causing my income to decrease so I contacted the mortgage company again for assistance with a forbearance program that was approved on XX/XX/2020 but when I call to make the payment I have been advised that it was cancelled. I have been on the phone calling the mortgage company and no one can give the correct answer why the forbearance was approved and than cancelled.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation imposed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

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

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXXXXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action.
Product: Vehicle loan or lease

My husband and I purchased a XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX on XX/XX/XXXX. We financed the car through a company that we thought was a banking institute. When we got behind on the payment and contacted the office, the recording stated they were a debt collection agency. We questioned them on several occasions on how were we able to get a loan from them if they are a debt collection agency, everytime the rep stated they are not a collection agency. I feel we signed the contract under false pretense with the sales rep, due to we were told the banking institution that was financing our vehicle, isn't a bank but a Collection Agency name Consumer Portfolio Services , Inc, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, the local office near me is XXXX XXXX XXXX, XXXX, VA XXXX. Per the Federal Trade Commission in XXXX the company had to pay XXXX XXXX back to consumers for falsifying information, which was done to my husband and I. We were told that if we couldn't pay our loan balance off by the end of our matured date that we keep making payments, but they spoke to my father in law on XX/XX/XXXX and stated that they could repossess my vehicle at anytime even though we're making payments. I truly believe my husband and I were scammed into using this company because we really needed a vehicle for our family. I would like for this company to investigated, because the amount of money we paid to get up over the years and it seemed like the balance never changed, which is know is against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband and I finalized our divorce XX/XX/2020. He refinanced the loan on our previously joint owned home in XX/XX/2020. I have submitted multiple disputes as well as contacted gateway mortgage company here in XXXX. The disputes repeatedly state I am still responsible despite having submitted the refi paperwork and quit claim. The company essentially told me " we don't report every month so tough XXXX ''. I am looking to have this resolved as my current fiancee and I are going to be purchasing a home in the next 3-6 months.
Product: Credit card or prepaid card

This complaint is about a disputed charge on my MasterCard with Bank of America. A company called XXXX XXXX XXXX out of Florida offered to recoup charges made from a Fraudulent law firm. Bank America credited my account for this amount on XXXX XXXX XXXX so I paid XXXX XXXX XXXX the agreed 45 % ( {$1500.00} ) on XX/XX/XXXX. A week later Bank America took those funds back saying the charge was too old and closed the case. I have been trying to get XXXX XXXX XXXX to refund my {$1500.00} since. I filed a dispute with Bank America, case # XXXX. They requested additional information which I provided on time, that at first said they got too late and then admitted they got on time but it was n't enough information. Clearly XXXX XXXX XXXX has not fulfilled the signed contract, which Bank America is in possession of, but Bank America has closed the case and will not do anything further because the vendor, XXXX XXXX XXXX, will not answer any ones calls or Emails. I have spoken with Bank America on the following dates with no solution. XX/XX/XXXX ; XX/XX/XXXX ( with XXXX and XXXX in XXXX ), XX/XX/XXXX XXXX in Credit and XXXX in Texas, XX/XX/XXXX with XXXX in XXXX, and XX/XX/XXXX with XXXX and XXXX in XXXX. As far as XXXX XXXX XXXX, I have a voice mail from XXXX XXXX XXXX from XX/XX/XXXX in which an XXXX XXXX said he would submit a refund on that day. Never happened and I have since filed a complaint with the States Attorneys General Office in Pennsylvania and Florida and with the Better Business for XXXX Florida. I can not understand how Bank America can take this stand for this vendor over all the evidence I have submitted. They know I did not recover any funds because it was them who took the funds back. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from Experian and XXXX and was removed from XXXX After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account. 

I XXXX XXXX am submitting this I have enclosed my ID, and address information