23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against Kohl 's Dept. Store Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Kohl 's Dept. Store for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** Kohl 's Dept. Store has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Kohl 's Dept. Store cease such practices immediately.

4. **Failure to Provide Disclosures : ** Kohl 's Dept. Store has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by Kohl 's Dept. Store, and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Kohl 's Dept. Store and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Kohl 's Dept. Store. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

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

I requested my credit be permanently unfrozen with XXXX and Experian on XX/XX/2021. XXXX XXXX XXXX XXXX XXXXXXXX is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact Experian and XXXX by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX? XXXX I sent a letter to Experian and XXXX asking to provide me with documents that they were verifying as accurate on several accts. on XX/XX/XXXX it was submitted into dispute and on XX/XX/XXXX was once again verified as accurate without providing any information on how they verified this information. one of the account had been sold to a different source a couple years ago and I was never provided that information yet still appears on my credit profile. I sent a letter via certified mail stating to please provide me with MOV or I would be contacting CFPB
Product: Vehicle loan or lease

I am writing this second complaint against Bridgecrest XXXX, unfortunately, and after communicated - even pleading- directly for help. They fail to provide financial hardship relief for XXXX auto loans they are servicing, despite my residence in XXXX XXXX, Texas, a FEMA Presidential Disaster Declaration zone, in the wake of XXXX  XXXX. I first notified Bridgecrest of this hardship in early XX/XX/2024, following the disaster declaration, and consistently communicated with the company on a near weekly basis, sometimes more frequently, advising of my financial distress, loss of income, costs of repairs to our homestead, and consequent inability to make payments. A previous complaint was also filed to address other issues with unreasonable interest applied, yet Bridgecrest has provided no relief or leniency for the broad matter of debt relief. It seems they will intend to repossess the assets, of which the value has depreciated significantly. 

Bridgecrest egregiously insists that I must first default on my payments for at least a month before any hardship programs can be even be discussed. Even then, no promises of any hardship are made. And this is stated despite the federal assistance being made available through FEMA to residents in our immediate area. The loan terms are also exceedingly burdensome, with both loans carrying a 200 % + XXXX  ( XXXX ) ratio based on XXXX retail. I also maintain the interest rates exceed state statutory limits, making them excessive, and possibly usurious. I have no ability to trade the vehicles, even with their partner company ( or however related ), XXXX. They, too, will not honor a value of the assets consistent with even the remaining balance. And this balance is after a significant down payment on both loans. They won't negotiate any circumstantial buyback terms to put me in other vehicles, lower the payments, rates, or anything. Then, rising insurance rates have compounded our financial challenges. Bridgecrests refusal to offer assistance during a federally recognized disaster is both unreasonable and harmful.
Product: Student loan

Navient increased on of my loans interest rate to 10 % without notification or approval from me.
Product: Mortgage

Hello, M & T Mortgage has given me the run around. I have a VA loan and I am also working with a HUD Housing Counseling Agency. I was out of work and since XX/XX/2019 I started a new job. I have resolved my reason for delinquency and have provided the mortgage with all required documents. I have since XX/XX/XXXX have been told that they do not have my paystubs and then the reprehensive that I speak to finds them and then tells me they have everything. This is every day since XX/XX/XXXX. I was told on XX/XX/XXXX that my file would be escalated to the Intake Department. I am still getting told they do not have my paystubs to this day and then told they have them. My housing counselor was also told that there is not a required timeframe for follow up concerning the escalation. So in other words they are stalling and not communicating to me or my HUD housing counselor what is going on with my file and are telling us that there is nothing we can do about it and that we are not able to speak to anyone to get the issue resolved. My housing counselor also requested to speak to the office of the president and was denied. The mortgage company is not helpful and will not provide accurate information to help mitigate the issue. Please help. If this is happening to me I assure you it is happening to thousands of others. I have also reached out to the VA and they are trying to help with the issue but any additional help would be helpful. The lack of communication between mortgage companies and borrowers is completely out of hand and should be addressed.
Product: Credit card or prepaid card

I had my rent increased on my apartment rental by a significant amount. I am planning to find another place to live. Then, Hurricane Irma hit. I was evacuated to a shelter, had no power. I am XXXX, but work a little. I am an iXXXX XXXX and do XXXX XXXX XXXX. Because of the storm, I was unable to get to my patient to provide his care. I missed close to two weeks work. I do n't get paid unless I work. Because of all these factors, I missed payments on my XXXX XXXX Credit Card and my XXXX Credit Card, which are both through XXXX XXXX. When I was able to live in my apartment again, after the flooding receded and I had power. I called XXXX XXXX about both accounts being late. I arranged to have my next payment debited from my checking account on XX/XX/XXXX. I told them I would catch up and get my account current again, once I was back to work. On XX/XX/XXXX, I checked my checking account at XXXX XXXX XXXX. Two payments had been put through, one for XXXX, at {$35.00}, and one for XXXX XXXX, at {$20.00}. Because I only had a few dollars in my account, both overdrew my account. It takes several days for the charges to be returned, so I can not use my checking account. Now, I ca n't pay my cell phone bill and my cell phone is going to be shut off tomorrow. I called and complained, because I have never missed payments on these credit cards until all this happened. They said it was some kind of mistake. I asked them to forgive my XXXX payments, because, I live in a state that has been declared a federal disaster area, and that 's what my other creditors are doing. XXXX XXXX refused to do this. Now my cell phone will be shut off. I planned on paying it today, until XXXX overdrew my checking account. They wo n't help me.
Product: Checking or savings account

I received a letter in the mail from " The Huntington National Bank '' XXXX XXXX XXXX XXXX OH XXXX They are confirming that I opened a checking account on XX/XX/2020 and I DID NOT. 

When I called they told me they couldn't help me unless I supplied my Social Security Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  = this account was prepaid the card was Supposed to draft AUTOMATICALLY OUT of my account it NEVER did happen so i close this account XXXX THE BANK REPORT LATE PAYMENT AND on XXXX XXXX late i would like the bank to remove this this account is closed XXXX ) XXXX XXXX XXXX this was reported as late on XXXX & on XXXX XXXX & on XXXX XXXX XXXX on XXXX XXXX i would like to get the late payment remove XXXX ) XXXX XXXX THIS IS NOT ME REPORT ON XXXX XXXX FOR {$250.00} PLESE REMOVE ASAP XXXX ) USCB AMERICA = XXXX XXXX XXXX FOR MY XXXX XXXX  XXXX THIS IS AGAINST THE HIPAA LAW CAN NOT PUT THIS ON MY CREDIT TAKE THIS OFF MY REPORT 5 ) USCB AMERICA =MEDICAL {$370.00} THIS IS AFTERCARE XXXX  PLEASE TAKE THIS OFF MY CREDIT REPORT. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent the certified letter attached below to experian to send proof of account verification. Experian sent the attached email on XX/XX/23. That is a stall process. I called Experian on XX/XX/23, where the rep told me that company policy is above Federal Law. Experian is violating my civil rights if they are refusing to provide the requested information. These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an article about experiencing credit report system database was hacked, and to check to see if your information was compromised. When I filled out the form my information was a part of the investigation and I didnt receive receive any notification of my name, being a part of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

700 CREDITXXXX XXXX Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

Someone indicated they wanted to purchase a motorcycle we had posted for sale online at XXXX XXXX. The communication with the buyer was done online and per text and phone. He sent us a check via XXXX. We deposited the {$12000.00} check at Bank of America on XX/XX/year>. The bank credited the account the next day of XX/XX/year>. The potential buyer then said they changed their mind and requested the money back on XX/XX/year>, prior to receiving the motorcycle. They said to deduct 10 % due to the inconvenience. Since their check had cleared, we proceeded to send them the money on XX/XX/year>, per a wire transfer and XXXX XXXX  payments from our accounts that we had transferred the money we received to. Then on XX/XX/year> after close of business, Bank of America removed the full {$12000.00} from the account that it was deposited into. They called it a return item chargeback. Our account was left with a significant negative balance. We called the Bank of America on XX/XX/year> and they said that the check was written on a closed account from the XXXX XXXX XXXX XXXX. We immediately contacted the person from XXXX XXXX who purchased the motorcycle and requested our money back. They did not respond. We requested the XXXX  payments be returned from the person we sent XXXX to. We submitted fraud/scam claims to Bank of America and requested their assistance to obtain our money back. The wire transfer was to a BofA account so we felt strongly that they should t least be able to help with that. BofA has now sent us letters indicating that they were unable to retrieve any of our money. So we need some more help. Additionally we contacted the company whose name was on the bad check we received. They indicated that someone the previous week had also used a bad check from their company name to try and purchase something. The company name that was used on the check is XXXX XXXX XXXX XXXX. XXXX XXXX submitted the information to their bank ( XXXXXXXX XXXX XXXX XXXX ) but have not provided us any additional information. XXXX XXXX stated that they didn't have any employees who could have legally issued us that check. We have some names and some phone numbers and account names, copy of the check etc that can be shared with you. The actual money we are out is the check minus the 10 % so it is {$11000.00} plus the {$30.00} wire fee. Thanks for any help you can offer us in obtaining our money back. Please let me know what additional information you need.
Product: Mortgage

I am writing to file a complaint against Caliber Home Loans because I have been attempting obtain a loan modification from this company since XX/XX/XXXX. I have been jumping through hoops providing documents over and over to satisfy the underwriting department. Unfortunately, each time I thought that I was close to gaining approval I would be told that I needed to provide additional documents which happened to be documents I already provided but I was told that they expired due to the required amount of time it takes the underwriting department to review applications. I have continued to supply the documents that have been requested of me because my husband and I are in desperate need to save our home given our recent financial struggles. Nevertheless, after recently submitting my last loan modification packet in XX/XX/XXXXof this year and ensuring that I provided all required/requested documents, I was told yet again that I needed to provide more documents because the underwriters want up to date documents yet the documents I just provided in XX/XX/XXXXwere not considered expired or 90 days old as of yet. In addition to the fact that once I provide all of the documents that have been requested I will have to wait an additional 30 days for a decision to be made as the clock will start over again. I was also told that even after submitting requested documents that I should continue to submit update documents to avoid the documents from becoming expired and or the most current. I think that this is a feeble attempt to stall the approval process or to avoid providing modification assistance to those in need. The process that is being employed by this mortgage company is unreasonable and ridiculous. This is very unfair and unjust to the customers in need of assistance.
Product: Debt collection

I was surprised to find on my credit report a debt in the amount of {$4500.00} from XXXX XXXX XXXX representing XXXX XXXX XXXXXXXX XXXX from a medical emergency in XXXX. I never received written correspondence from either XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. 
When I saw this on my credit report on Monday XX/XX/XXXX, I immediately contacted my medical insurer at that time, XXXX XXXX ( a XXXX XXXX XXXX ) and spoke with XXXX. XXXX checked their records and told me that XXXX XXXX XXXX never contacted XXXX XXXX requesting payment for services that were supposedly rendered to me on XXXX which were the dates I received medical attention. XXXX and I both tried to look up information online for XXXX XXXX XXXX XXXX and the phone numbers we found were both disconnected. 
XXXX did note however that XXXX XXXX did negotiate and pay for anesthesia services to XXXX XXXX. We made a conference call to XXXX XXXX which was recorded and spoke with XXXX in XXXX XXXX Billing ( Phone # : XXXX ). XXXX confirmed that the XXXX services I received was paid in full, and promised that XXXX XXXX would have this information removed from my credit report within 24-48 hours. 
When this did not happen, I disputed this information with XXXX on XX/XX/XXXX. XXXX has not removed this information from my credit report, siding with XXXX XXXX XXXX for unknown reasons. 
This is why I am turning to you for help, because I have exhausted all of my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 'credit score ' dropped again today, XXXX points. I receive regular emails from XXXX Credit Bureau and today I received an email from XXXX alerting me that my credit scores increased. I login, to my XXXX account only to be disappointed again, that my score had been decreased XXXX points. There was never any increase today, according to the email sent to me, from XXXX, alerting me my scores had increased. As I reviewed my report, to figure out why my scores decreased, there was no explanation. Every time my score get into the XXXX 's, my score drops below XXXX. This has been going-on for the past year ( XXXX ), without fail and no real legit reason, why. 

I would like the 'cfpb ' to review my credit report history to see there has not been any recent negative activity on my 'credit reports ', ( also happening with TransUnion ) XXXX I'm told to use my credit cards to increase my credit scores, by realtor 's. I have a credit card with XXXX XXXX that suggest I use my card as much as possible, not to exceed a certain percentage or {$500.00} before the bill is due. Since having this card I've paid my bill on time, long before the bill is due, without fail. Do you know they increased by score, ( TransUnion ), XXXX point last month... that is an insult and no appreciation for on-time payments, to the customer, me. 

I've attached my recent XXXX report an a screen shot of my fake email sent to me today. I'm requesting reasons for the roller coaster ride I'm on with these credit reporting companies.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with Synchrony Bank RE : Care Credit Account # XXXX I have disputed and requested that an account, which identified me as a " cardholder '' be removed from my credit report for the following reasons : 1. I have never lived, resided, or received mail, at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. 

2- My former, legal address of record in Virginia was XXXX XXXX XXXX XXXX XXXX XXXX 
I gave no one permission to use my address with the intent to establish a financial debt or obligation associated with said usage. 

2. I have never established, cosigned, authorized, or otherwise received any services by means of credit card or loan accounts with Care Credit.

3- I have never made any payments to this account.

4- Any unknown employee of Synchrony Bank contacted me to obtain a " character reference '' for the other party named on this account.

5-I never established any secondary agreement to co-sign or act as a co-signer in co-making any agreement, with Synchrony Bank 6- Synchrony Bank did not have authorization from me to establish me as a " cardholder '' on any " Care Credit Account. 

7- I wrote to Synchrony bank and asked for the application and authorized signatures obtained o establish the account and to further identify what services were rendered to me as a borrower and received only copies of statements that reflect neither. 

This matter has been going on for some time and needs to be resolved. 
I am requesting my name and social security information be removed from this account as well as any negative reporting to the credit bureaus. 

Thank you XXXX XXXX Thank you for your assistance.