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

Kohls is attempting to collect a debt on my credit that I do not owe. This debt is past the statute of limitations in Utah. I do not owe this debt. Also, it is so old that it is past the credit reporting limit per the FCRA. I am requesting that this account be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove this inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this inquiry not later than 4 business days. XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

We were advised by the TD Bank Credit Card representative on XX/XX/2022 that our credit card dispute would take a few hours to a few days to obtain our provisional credit back into our account for case no XXXX. We also provided a ton of documentary evidence to their fax number of ( XXXX ) XXXX demonstrating without a doubt that we were victimized by XXXX XXXX for Reason Codes 30 and 53, ie, " services not provided or merchandise not received, '' and/or " not as described or defective merchandise. '' To date we still have not received our provisional credit. Today when I called in to TD Bank Credit Card I spoke to 3 different morons none of whom could explain why this woman told us that, and then said I needed to wait 90 days ( 3 months ) which is totally unacceptable and unforgivable, especially when we provided documentary evidence also attached herein. Please urgently investigate and advise.
Product: Checking or savings account

Citibank wrongfully closed my checking account that was in good standing, on XX/XX/2023 with a balance of approximately {$6200.00}, for no reason. We spoke to many representatives from Citibank, both in the branch and at the numerous phone numbers each Citibank representative provided, and no one knows why the account was closed. Aside from that, this checking account is my sole account and the only income I receive is from my monthly social security benefits that get direct deposited to this account, which I will not receive as a result of this account being wrongfully closed. Aside from this, my Citi credit card that is scheduled for bill pay at the end of the month will not be paid and this will impact my credit. In addition, Citibank didn't even send one letter, email, or even make one phone call to me notifying me that the account will be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

UN-AUTHORIZED INQUIRIES ACCOUNTS NAMES ADDRESSES AND TELEPHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As XXXX, And XXXX are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy Case Number : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies XXXX, and XXXX has claimed the public record, XXXX XXXX bankruptcy was verified by a company named LEXISNEXIS. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, LEXISNEXIS agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies XXXX, and XXXX over and over with DOCUMENTATION stating the XXXX XXXX  bankruptcy is not verified by LEXISNEXIS, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

XXXX and XXXX are disregarding my documents from LexisNexis, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. XXXX and XXXX are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to XXXX and XXXX continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies XXXX and XXXX needs to stop giving me and LexisNexis a hard time disputing the bankruptcy.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Employers : XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Debt collection

Unannounced, they came into our place of business and started taking pictures. We are not a public-facing company. We are a private call center. They startled my employees. Would n't leave when asked. One girl went home crying. We threatened to call police and they said they had the right to be here. We started calling police and they left real fast.
Product: Credit card

I just paid my XXXX XXXX bill at the beginning of XXXX, on time. Today I needed a part for my hot water tank and when I tried to pay my card was declined even though I knew i had available credit at least as if a few days ago. I called the toll free customer service number where I was immediately met with a message that my account was closed and after battling with their automated system I spoke to a live agent who reiterated the account was closed and that a letter was sent. I checked my email and sure enough XXXX XXXX ago I got an email saying I had a " digital letter '' from Synchrony and had a link to view it. The PDF-based letter outlined their justifications for closing my account, none of which had anything to do with my payment history on the account itself. They use their own proprietary credit scoring model on top of all that which is not accessible like XXXX and other scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Reporting information on which I have Never requested,,,, in which impact my Credit and Score. I have sent letter on this issue to be eliminated asap from report and they ignored. 
The company are : XXXX XXXX XX/XX/2014XXXX XXXX XXXX XXXX XXXX XX/XX/2014I have not given authorization none of this Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, US DEPT. OF EDUCATION/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, credit repair services, or other personal consumer reports

Reported fraudulent reporting to all 3 agencies, Experian, XXXX, XXXX. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 + months, totally decimating my excellent credit.
Product: Debt collection

One day I was surfing the internet, I desired to my credit on line, I found XXXX accounts, I did n't have any knowledge of the them, I opened a disputed, and XXXX of accounts XXXX was removed from my credit report without a problem, the other account Midland Credit Management.Inc. without investigation, they desired to kept opened on my credit report, I opened a second investigation, I sent an E-mail, I explained, the reason why the account did n't belong to me, nothing happened, I got the comfirmention number from the investigation on my report ( XXXX ) with a missing number, it must be XXXX digits, I was looking for the account number I could n't find it, I contacted the Midland Credit, the person who answered my called asked me for the account number, I told him I did n't have and could n't find it in my report, then he asked me for my social security number, I told he I wo n't give to him that 's personal inf, I said to him, I started a disputed on a account with people, I can give you the confirmention number of your investigation, he replied without account number or ssn, he wo n't be able to help me and he just hang up the phone, so disrepecfull and without good manner, not giving me any other option to correct this problem, I belived those are the same people who opened this account .and was waiting for me to call them so they get full assects to social security and personal inf, I urge you please take matters in this issued and help me to bring down this people before the Law.Thank you I hope to hear from you soon.Sincerly XXXX XXXX .
Product: Mortgage

Lakeview Loan Servicing is our mortgage processing firm. Our account number is ending in XXXX. We have been dutifully paying our mortgage for years to this firm. We use their XXXX XXXX ACH payment system. In XXXX of this year, 2023, they made changes to their XXXX XXXX system. When we tried to pay our mortgage in XXXX apparently their system could not pull the ACH from our account when requested. We received no notification that their system could not access our checking account to make the payment. Instead we started receiving daily, automated collection phone calls. We, not Lakeview, finally discovered that their XXXX XXXX system was not working properly and mailed our XXXX check into Lakeview. They told us due to the ACH system payment not working that we could not use it for XXXX  months. So here in XXXX we again dutifully mailed in our mortgage payment... .and the automated collection phone calls started again. I called Lakeview back today and they said, in direct contradiction to what they told me in XXXX, that our account was again in suspense and that although they had received our XXXX payment that it had been applied to a suspense account and not our outstanding balance account (? ) therefore we were again inexplicably sent to their collections department and the automated phone calls started again. I am in financial services and understand how poor Lakeviews systems are and how poorly trained their representative are ... .I can only imagine how many people who do not understand Lakeview 's ineptitude and quick 'collections trigger ' must feel about their harassing phone calls... .even when they themselves caused the issue. Thanks for allowing me to submit.
Product: Mortgage

I attempted to get a loan modification and my lender escalated my loan to foreclosure and I was forced to file for bankruptcy protection. I am now gainfully employed and I am ready to modify my loan and bring my account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a Kohl 's Credit Customer Service Representative in XX/XX/2018 and spoke about sending in a settlement for my account as I was going through a separation that was causing a hardship on my financials. The Kohl 's collection representative said told me they would settle for a {$100.00} payment and gave me instructions to send the check with the details " Paid In Full By Settlements and send a letter with the payment in regards to our conversation. I did so on XX/XX/2018 and they indeed cashed my check but the account still remains on my credit report as a " closed charged off sold '' account BUT still showing I owe a balance. I have contacted via mail and by phone to get this resolved since its been over a year and they claim there was no settlement done. I have sent them copies of the letters and the endorsed check with the details showing on the front and back. In the last 3 weeks, I have spoken to several of their representatives ( ID # XXXX, ID # XXXX ) where I was told that yes they see the notes on the settlement in the system and that I would be getting a letter stating it was resolved by settlement and the credit reports will be updated. I was told this on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX however, when I called to check on the status on XX/XX/XXXX I was told they see nothing in the system even though I was told by the last 3 representatives that they saw all the notes. They are continues unprofessional and should be considered fraudulently games when I did everything I was supposed to do and followed the instructions of their company 's employee. I feel that the law should protect me as a consumer against a company like this. I attempted to leave a message for their corporate office legal department with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with the Credit reporting agencies XXXX, TransUnion, and XXXX for over XXXX years now in regard to the inaccuracies on my credit report. I've even shown proof/copies of the inaccuracies and each time they send it back updated and verified. I know this to be false because they would easily remove the accounts from my report if they have done a proper investigation. They also have failed to provide proof of a proper investigation which I have asked for multiple times. TODAY I am taking a stand in gaining my life back. Because of these detrimental inaccuracies, I have been shamed by peers and employers neither have I been able to provide for my children as well, so today I am filing a huge complaint against XXXX!
Product: Mortgage

Thursday XX/XX/XXXX my loan was cleared to close. On Friday XX/XX/XXXX the closing was cancelled a hour before scheduled closing due to findings on current property. My mortgage broker and myself have been reaching out for answers since the closing was canceled. Today we were told the loan was denied due to the rental agreement being adding after the Debt to income was an issue. This is within QL guidelines. My dti was well below 50 % even without a lease. XXXX didnt like it above 37 % dti so we provided a lease.This issue came up and was resolved after the lease agreement was provided. If this was truly a problem this loan would have never been cleared to close. The ideal of me getting a new property was to use my current property as an investment property. When the debt to income issue came up I just provided the rental agreement to show the property will be rented. The renter lease agreement started XX/XX/XXXX. Now I am in a situation where I have no where to live. Legally I can not evict the renter. I did everything right to make sure there would be no issues during this process. I spoke With multiple people at QL and other lenders about this situation. It does matter what time during the process you resubmit the rental agreement. That should not be a reason to deny the loan. The house is current being rented. The rental agreement starter XXXX and my loan is being denied on XX/XX/XXXX due to a issue with my current home being rented. If the house is currently being rented why is this a issue? No one has ever seen this issue. I honestly feel like I am being discriminated against. I also contacted multiple people by email and no one responded. I am currently homeless. No one from QL would speak to me on this issues. My mortgage broker and real estate agent all feel I was discriminated against and treated unfairly. No reason my loan should have been denied. I also lost all the money I invested in the property during this process
Product: Credit reporting, credit repair services, or other personal consumer reports

MY DESPUTES CAME BACK VERIFIED FOR BEING ACCURATE FOR XXXX, ACCOUNT XXXX 1.DATE OPEN IS ININACCURATE. 2.TERMS ARE INACCURATE. 3.HIGH CREDIT IS INACCURATE. 4.LAST REPORTED IS INACCURATE. 5.DATE OF LAST ACTIVITY IS INACCURATE. 5. DATE OF LAST PAYMENTIS INACCURATE. 6.PAYMENT HISTORY IS INACCURATE. THESE ARE THE THINGS I SEE THATS INACCURATE ON MY XXXX, EXPERIAN, AN XXXX CREDIT REPORT WICH IS GROUNDS FOR REMOVAL. AND THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY. AND UNDER 15 U.S.C. 1681 SECTION 604 A. STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITIN 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 15 U.S.C. 1681s- ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTINGAGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS ACCURATE.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I started a loan with XXXX. They insisted that the first loan payment needed to be drawn directly from my bank account, but said I could change the payment option to a credit/debit card after. 

After taking the first payment of the XXXX loan, I tried to change the payment method, but they refused to accept any other method of payment. At the time I had other banks and credit cards I could have used for loan payments to XXXX. 

They continued to charge and ultimately overdraw the account, the bank account is now closed. 

The XXXX charged off and closed, and is now in collections from LVNV Funding. 

https : //www.lvnvfunding.com I'm aware of an XXXX settlement lawsuit from the FTC, and I've tried to contact LVNV about the settlement, but they refuse to stop collections activity. 

XXXX has removed their records off of my credit report, LVNV is still listed and active. 

I have paid about {$4000.00} to this loan before it was charged off, I am unable to get detailed records because XXXX has removed their information off of my credit report.
Product: Mortgage

Wells Fargo has force placed insurance on my property as a XXXX mortgagee. I have told them several times that I already have mortgage insurance through my XXXX mortgage which is XXXX. The XXXX mortgage policy is with XXXX. They insisted on creating the policy anyway stating that they would deduct the money from my escrow account. This is how ridiculous they are. I do not have an escrow account with them. The Wells Fargo Account # XXXX.