23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I noticed a charge on my bank account for Kohl 's in the amount of {$50.00}. I assumed it was fraud because I have not bought anything at Kohl 's on credit for many years. I got a credit card from them in XXXX and added them to my bill paying service at my credit union. I haven't used the card since the first time and always paid in cash for any later purchases. 
I called my credit union and thought I was reporting fraud when they told me that I had sent the {$50.00} through their bill pay service. They said there was no way to stop payment because it was sent digitally the same day, XX/XX/XXXX. Two different bank representatives said they talked with supervisors and one contacted the company that does that service for them. I would have to deal with Kohl 's directly. On XX/XX/XXXX I called Kohl 's and on the automatic system I was asked to input my social security number. I did this five different times and then the message said I would be transferred to an agent. It seemed clear that their system did not recognize my SS number. 
The agent asked for my account number. I told her that I didn't know the number, that the bank for security reasons only had the last 4 numbers on their bill-pay webpage. 
Then she asked for my phone number. I told her that I didn't think they would have my phone number because I got the account 8 years ago. But I gave her my mobile number and also my land line which I haven't had for several years. She asked for my email. I gave it to her and it turned out that their records had no phone number nor email listed for me. So I don't think they recorded those things when I got the card. It was one of those deals where I buy something and they say, If you sign up for a credit card, you get 20 % off today 's purchases. I probably used the card then and entered it into my list of payees on my bill-pay service of the bank 's website. At any rate, the agent said she could not help me if I didn't have my account number. 
The same XX/XX/XXXX I called an hour or so later, after talking again with the bank. The Kohl 's agent basically told me the same thing. Can't help me. 
On XX/XX/XXXX I intended to send a deposit for {$50.00} to a farm for purchase of a pig. The company is XXXX XXXX. Kohl 's is listed right after the Farm on the webpage. I inadvertently sent {$50.00} to the wrong company. 
On XX/XX/XXXX I got the idea to send for my credit report and found the account number for Kohl 's. I called again with the number and the agent said he found my account but nothing more. I tried to find out from him if Kohl 's does their billing inhouse or contracts out with someone. The answer I got was that payments on accounts go to Capitol One bank. They did not have any contact to give me for that bank. 
So I am appealing to you for assistance. My Kohl 's account # was : ( the account was closed ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the government, loans are supposed to be brought current and with no reporting of default or delinquency. You all are still reporting delinquencies from closed accounts from 7 years ago. I need these delinquencies off my report.
Product: Consumer Loan

I purchased a vehicle from XXXX XXXX in XXXX XXXX approximately 5 years ago. I was contract to Wells Fargo Dealer Service for 54 monthly payment, I asked and received XXXX two ( 2 ) month extension. I have made all of my paymets. Wells Fargo Dealers Services, due to an error on their part, put insurance on my vehicle after I informed them that I had the coverage required. Both my self and the insurance company sent confirmation of the coverage. To date, Wells Fargo Dealer SErvices has not removed those fees from my account and they are now charging me late fess and interest on the late fees and interest on the interst. They raised my payment to {$310.00} and I have been paying {$320.00} but still my balance does not go down. I am now trying todispose of the vehicle but because of what they say is the remaining balance on the loan I am having serious problems. I called and asked them to please remove the interest on the fess and the interest on the interest and got no response even after the gentleman told me he wouldlook into it and call me back the next day. I then called Wells Fargo again and asked for the gentleman, Iwastold he was in a meeting and that he said that he was just washing his hands of the whole matter. So I am still without an answer, still not able to dispose of the vehicle and at the rate they are chargeing interst on fees and interest I will never pay this loan off. Is there anything that can be done to help e rectify this situation?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to Forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX used this credit reporting agency on XX/XX/2020 to use in a decision for a car loan. 
XXXX XXXX credit rating was XXXX. My credit score is in the 800-832 range with the other three reporting  agencies. 
Their reasons : Limited history for consumer at address and phone number. I have been at my current address for XXXX years and have had the same phone number for XXXX years. 
Distance between address and area code of phone. I live within 15 miles of the area code of my phone. 
Too few active accounts. I have a car loan for the last years and an open credit card account for the last three. All current with zero late payments. 
Total account balances. Percent of my debt to income is 20 % This company 's information is so far off that they seem fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

IM DISPUTING AN ALLEGE LATE PAYMENT ON MY CREDIT ACCOUNT FROM XXXX, I'VE BEEN DISPUTING THIS FOR MONTHS NOW, AND I JUST READ ONLINE THAT XXXX HAS BEEN SUED FOR IMPROPERLY NOT FOLLOWING THE LAW AND GUIEDLINES FOR CUSUMERS LIKE MYSELF..XXXX IS NOT READING THE DOCUMENTS THAT ; S BEEN SENT TO CUSUMERS LIKE MYSELF, AND THEY HAVE BEEN PRACTICING UNLAWFUL BUISNESS PRACTICES, XXXX IS THE PROBLEM FOR ALLOWING AND EXCEPTING THIS ALLEGE LATE PAYMENTS AND NOT GETTING TO THE HEART OF THE PROBLEM..IM SO HAPPY THAT THE CFPB HAS SUED XXXX, SO CUSUMERS LIKE MYSELF CAN GET JUSTICE ... TRANSUNION NEEDS TO BE LOOKED AT ALSO ... IM ASKING THE CFPB TO ENFORCE XXXX AND TRANSUNION TO REMOVE THIS UNFOUNDED LATE PAYMENT OFF MY CREDIT REPORT... ESPECIALLY DUE TO THE FINDINGS ALL ON THE NEWS AND ONLINE... XXXX NEEDS TO BE ASHAMED OF THEMSELVES FOR THIS CROOKED UNDERHANDED BUISNESS PRACTICES... BUT IM NOT SURPRISED!!!
Product: Checking or savings account

I have been calling for months trying to get my stimulus checks released to me! I have faxed numerous documents to the fraud department and they keep adding additional paperwork and then when I call too see if they receive it they are hanging up on me. I just want my money.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan from Ally Lending for electrical work at my house around XX/XX/XXXX. I asked them to make payments out for the end of the month. Also, I was given the promotion for interest free payments until XX/XX/XXXX. Ally Lending has not acted in good faith regarding payments and system access to pay on the account. We have our payments due on the XXXX each month and they have charged interest on this account since XXXX. We have asked for relief on this but no one has called back. This is not a good company for me. I am 100 % on time payments for several years so this has been a set back. 

I filed a complaint with the XXXX  on XX/XX/XXXX so this company has refused to honor the agreement of interest free payments and provide a platform to make payments online. 

This company is trying to act in a predatory manner for payments. My credit is good so I should not have to pay predatory terms to this company.
Product: Consumer Loan

Regional Acceptance continues to fill my work mailbox with voice mails after I have repeatedly asked them not to call my place of work and have advised them that I would never answer the phone if they called me at work. They call numerous times a day, they begin calling as soon as a payment is late. I had been advised on a few different occasions that they would remove my work number from their calling list and that has not happened. Yesterday I picked up the phone for XXXX of their calls for the XXXX time. I advised them that I had setup a payment arrangement a day prior to taking the call. Again I told them not to call my job. Today, even though a payment arrangement has already been setup, the calls to my job continue. These folks have proven themselves to be so incompetent, they tell you what you want to hear and they keep harassing you. I got back from XXXX 4 weeks ago and found my work mailbox completely full. Because of the numerous voice messages, coming from both an automated system as well as employees calling, there was no mail box space available for actual business calls. I want the calls to my job to STOP.
Product: Checking or savings account

I reported my debit card stolen approx XXXX on XX/XX/2018 over the phone with a TCF customer support agent. Later that evening, I was contacted via automated phone call by TCF fraud protection services, asking for confirmation on purchases and ATM withdrawals that I did not make. There were charges for XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. As well as ATM transfers and withdrawals from both checking and savings accounts at two separate downtown ATMs. The following day I went into a branch location to figure out what happened. I was informed that the thief called and requested the card be re-activated ( pretending to be me ) and that the bank complied with this. It took going to a branch to file fraud reports four times throughout the week until everything was finally accounted for. Staff has been consistently in-comprehensive and the computer system has caused multiple problems, including ; the disappearance of the card in question, not being able to file a fraud claim until days after the offense, and obfuscating account notes. One claim has been refunded, but there are still five pending charge claims that have been rejected multiple times over the course of the last month on the basis that I " was aware that someone had access to my account/PIN and did not notify the bank in a timely manner to prevent the fraud '' I notified them before any fraud occurred, and then again nearly every day for weeks. The bank is at fault for re-opening the card, and my money should have been insured and reimbursed weeks ago. The investigation has not been transparent and they have made it exceedingly difficult to get straight answers or make any attempt at streamlining the process. The outstanding loss is {$2100.00} I have spoken with XXXX XXXX XXXX, Assistant Vice-President and branch manager, branch supervisors XXXX XXXX, and XXXX XXXX, multiple tellers and Customer service operators, Vice President and regional Manager XXXX XXXX, and most recently XXXX XXXX XXXX. I have filed each induvidual fraud claim, and filed appeals for each claim 3-4 times and provided a detailed narrative and financial breakdown of the offenses as well as filing a police report with the XXXX XXXX Precinct. Due to the egregious amount of time and effort to fix this problem on my own with no success, I have filed complaints with the XXXX, OCC, CFPB, Federal Reserve, and At tourney General of Minnesota.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed several fraudulent accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to all of these collectors asking for anything thing with my wet signature and none of them were able to furnish anything I signed. I have reached out to them THREE times in writing asking them to remove these fraudulent accounts from my report and haven't gotten a response. It have been over 90 days. The fraudulent accounts that I noticed on my report are listed with the amounts, account numbers and name of collector below : XXXX ) XXXX XXXX account XXXX Date Opened : XX/XX/XXXX amount : {$410.00} XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX Date opened : XX/XX/XXXX amount : {$1500.00} XXXX ) XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) account XXXX XXXX XXXX Date Opened : XX/XX/XXXX amount : {$8200.00} XXXX ) XXXX XXXX account number : XXXX Date Opened : XX/XX/XXXX amount : {$600.00} XXXX ) XXXX XXXX  account number : XXXX date opened : XX/XX/XXXX amount : {$600.00} There were also a stream of inquires that I didn't notice from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX
Product: Checking or savings account

I tried to open a Chime checking account and was instantly denied after entering my birthday. I think that this was pretty unusual, especially since I was given any indication as to why my application was instantly denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 SECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL AS XX/XX/XXXX THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS. 
account name : 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 the 3 credit bureas removed this fraud account, and then between XX/XX/XXXX -- -- XX/XX/XXXX this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as iam not mobile and not able to get better paying jobs due to bad credit and a car and home as well.

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! 

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Product: Credit reporting

XXXX is reporting a collection account on my experian credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft
Product: Credit card or prepaid card

3 of my AMEX credit cards was closed in XX/XX/2022. I was not late making a payment and I had a flawless payment history meaning I always paid on time. They closed my account without providing me with a legit reason. I would like my membership reward points back for my XXXX Credit Card ending in XXXX and XXXX XXXX ending in XXXX. Those points were completely earned by me and I currently have a platinum card open. I would like my points transferred to my platinum card ending in XXXX please so I can continue to earn rewards and enjoy the benefits of my reward cards. These cards are too expensive. I only got them due to their Amazing reward program. Rewards that has been completely robbed from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion credit company because I was unable to access my account in order to unlock the freeze on my account. 
I first spoke to one woman, but the connection was very bad perhaps due to a recording being done or the person answering was far away. ( XXXX? ) A second attempt a few minutes later had the same problem and I hung up and waited until sunday XX/XX/XXXX to try. After then being on hold for over 20 minutes twice I gave up. 

On monday XX/XX/XXXX I was able to get through and after explaining my unability to access my account I was told that a new password would be sent in 5-15 minutes.

After waiting 60 minutes I called again and was told the same thing. I did check again that they had the correct email and it was indeed correct. As of this writing it is now over one hour of my last call and so far no email with a password.
Product: Credit card

I set up recurring payments so that I would not forget to make my credit card payments. I had successfully made adjustments to this scheduled payment in the past and was NEVER informed it would take a month in order for it go through. I was subsequently charged a late fee and I was given a hard time when I called to explain the situation and have it removed. The rep told me that there was nothing he could do until I got very angry. He then said his supervisor could reverse it, which they did. He explained that this error was not my fault but I still had to pay the {$27.00} late fee as part of my monthly payment. I do not understand why this is legal? This left me with a total of {$120.00} to pay for XXXX and XXXX. ( even though it was their fault the automatic payment was not received ) instead of the regular {$45.00} per month payment. I can not avoid paying this because Synchrony Bank will charge me another fee for not paying the monthly minimum, which they have changed to $ XXXX.I had recently received a letter stating that although I have a great payment history with them, they would be lowering my balance from {$1600.00} to {$1400.00} due to my credit with other companies. When they lowered my balance to {$1400.00}, I was at the maximum amount of the card. Immediate after this, my scheduled payment conveniently was not taken from my account. I am not happy with this company 's policy I feel it takes advantage of the consumer and does not allow for the late fee to actually affect the monthly payment. I am seeking {$27.00} + interest from this company
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX 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 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.

I did not grant permission for any of these accounts to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a identification theft report to equifax on multiple occasions with all my information showing that where I live I own the house my copy of property tax from state I reside my license is another state I submitted proof. Via certified Mail same to XXXX Late payments and closed accounts deleted off my reports. Delete all traffics tickets and violations off XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 3 hard inquires on my credit report without my authorization. 
The names of the companies and dates of the inquires in my credit report are : XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX