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

On XX/XX/2019 I called Kohls after I received a call from a company called XXXX claiming to represent Kohls. I spoke to the Kohls representative inquiring about account status and was advised that I was 60 days delinquent as of that dayXX/XX/19. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the Kohls representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received Kohls would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for Kohls and this will not report as past due. On XX/XX/2019 I received updates from all bureaus that Kohls reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and Kohls honors what their representative advised me on XX/XX/2019.
Product: Student loan

MY ACCOUNT THAT I WAS PAYING ON THROUGH XXXX WAS TRANSFERRED TO MOHELA. I WAS PAYING ALL ALONG AND CONTINUED TO PAY THROUGH MOHELA. MY RECERTIFICATION IS DUE XX/XX/24, EVEN THOUGH ALL INCOME WAS REPORTED TO THEM, ( XXXX XXXX XXXX XXXX XXXX RETURNS ), AND THE PAYMENTS SUDDENLY STOPPED IN XX/XX/24 AND THE PAYMENT OF OVER {$4000.00} IS DUE ON XX/XX/24. I APPLIED OVER THE PHONE XXXX MONTHS AGO, BUT FOR SOME REASON THEY NEVER DID THE APPLICATION OVER THE PHONE, OR AS STATED, " A GLITCH IN THE SYSTEM '', SO AFTER XXXX COMMUNICATION FOR MONTHS I GET A BILL ON XX/XX/24, THAT MY BILL OF {$22.00} ( WITH AN XXXX  OF {$37000.00} ), WAS NOW OVER {$4000.00}. NO EXPLANATION, NO COMMUNICATION REQUESTING ANYTHING, NOTHING, I PHONED IN ON XXXX, BEING ON THE PHONE BETWEEN XXXX HOURS EVERY DAY, AND FOUND OUT THAT NO ONE DID THE SAVE PLAN APPLICATION, SO THE REPRESENTATIVE DID IT OVER THE PHONE, BUT THAT WAS NOT THE ONLY ISSUE. THE MAIN ISSUE WAS I NEEDED THE XXXX XXXX XXXX XXXX DEPARTMENT ( AS THEY TOLD ME TO CONTACT A SUPERVISOR ), WAS THE ONLY DEPARTMENT THAT SIMPLY NEEDED TO RESET MY ACCOUNT BACK TO MY IDR AND REVERT MY PAYMENT TO MY ORIGINAL IDR. I WAS TOLD IT WOULD BE DONE IN ABOUT XXXX  DAYS, BUT ONLY TAKES A MOMENT TO DO IT IN THE SYSTEM, WELL FAST FORWARD TO TODAY, XX/XX/24, NOTHING IS DONE AND NOW THEY ARE CLAIMING THEY DON'T KNOW ANYTHING AND CAN'T DO ANYTHING BECAUSE THEY NEED MY PAYMENT HISTORY FROM XXXX AND EVEN THOUGH THEY HAVE BILLED ME EVERY MONTH SINCE TRANSFER AND I PAY THROUGH THEIR WEBSITE OR OVER PHONE, THEY CAN'T HELP ME. SO NOW, THEY WILL REPORT THAT MISSED PAYMENT TO CREDIT REPORTING AGENCIES. THAT WILL DESTROY MY CREDIT. IT WILL NOT SHOW MY XXXX PAYMENT EVEN THOUGH I MADE A PAYMENT FOR XXXX. THEY SHOULD NOT BE LEGALLY ALLOWED TO REPORT ANY PAYMENT TO THE AGENCIES WHEN I NEVER MISSED ANY PAYMENT, THEY MADE IN ERROR IN NOT GETTING MY ENTIRE FILE FROM XXXX, WHICH XXXX CUSTOMER SERVICE JUST TOLD M E THIS EVENING THAT THEY JUST REQUESTED IT AND IT WILL TAKE SOME TIME TO GET IT TO MOHELA. WHY DID THEY WAIT XXXX MONTHS TO GET MY FILE? WHY DID XXXX NOT SEND MY ENTIRE FILE AND PAYMENT HISTORY WHEN THEY TRANSFERRED MY ACCOUNT? WHAT IS ACTUALLY GOING ON. I HAVE BEEN TOLD NUMEROUS TIMES THAT IT IS A SIMPLE ACCOUNT RESET SINCE I AM CERTIFIED UNTIL XX/XX/24 AND IT WAS JUST A " GLITCH IN THE SYSTEM ''. I ASKED FOR THE PHONE RECORDS TO PROVE THEIR UNTRUTHS OF NO ONE HELPING ME BUT MAKING XXXX EXCUSE AFTER ANOTHER THAT THEY HAVE TO REQUEST SUPERVISORS, DAYS UNTIL THEY CALL YOU, IF THEY CALL YOU, AND THAT NO ONE HAS ACCESS THE THE HIRE UP DEVISION THAT COULD FIX MY ACCOUNT BUT WONT. SO NOW, I CAN'T MAKE PAYMENTS ON MY ACCOUNT BECAUSE IT STATES I OWE OVER {$4000.00}. I CALL IN TO MAKE THE PAYMENT, BUT THAT IS GOING TO CAUSE A CREDIT ISSUE. 
I NEED ASSISTANCE IN THIS MATTER AND ALL CREDIT REPORTING STOPPED UNTIL MY LOAN IS FIXED DUE TO SOMEONE'S INCOMPETENCE, OR COMPUTER " GLITCH ''. 

THANK YOU, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requested up-to-date credit reports from XXXX, LexisNexis, XXXX & XXXX. Information incorrect & affecting personal & business insurance pricing, credit, etc. Some sent new reports stating they " fixed '', but never did! USELESS!
Product: Checking or savings account

Hello, I updated the bank app a few weeks ago, and when I tried to access is requestin the SSN. 
As im not XXXX XXXX  I dont have that document. So please fix this issue so I can access to my online banking trough the app. 

Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX they took money out of my account to refund someone that should not have been refunded when they received this money in XXXX of XXXX  And I want all of the money refunded back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I drafted a letter to Experian on XX/XX/2018 requesting removal of unverified accounts and/or details of the validation of verified accounts which was received by their agent on XX/XX/2018. Experian did NOT respond within the 30 days required under the FCRA which is a direct violation of the law. The response received was postmarked AFTER the 30 days they are allotted by law. I will attach proof of the tracking and their postmarked response.
Product: Vehicle loan or lease

I am making my monthly payments and they keep reporting that I am 30 days late every month.
Product: Credit card

On XX/XX/XXXX, I received the Destiny MasterCard from Concora Credit Inc . I was pre-approved for a {$700.00} limit. A hard inquiry was applied to my credit report. 

I used the card once on XX/XX/XXXX for {$69.00}. I attempted a purchase of {$39.00} for an overseas course company and the transaction was blocked on XX/XX/XXXX. I called to verify it was me making the purchase. The rep asked 3 times if I was out of the country. I stated no I was in the US making a purchase with an overseas merchant. They stated the card was unblocked and to make the purchase again. Card was declined again. Called again and a rep asked again if I was in the actual country I was purchasing from. I stated again no I am in the US purchasing from an overseas merchant. XXXX stated the card was unblocked and to wait 5 to 10 minutes before trying to purchase again. Waited an hour or so, tried again and the purchase failed. Called Destiny MasterCard again on XX/XX/XXXX and a rep asked if I was in the country. I stated yes and they place me on a hold for XXXX minutes and then disconnected the call. 

I paid a {$170.00} in full for the annual fee and was allowed to make XXXX charge on the account. After that, it was promptly blocked, and the reps have not been able to actually resolve the issue. This company also asked for my driver 's license to place my card into my XXXX XXXX. I did so, was successfully verified only to be told to wait until my card arrived. This company now has my personal information and did not comply with adding my card to my wallet as stated. I feel this is data mining and a bait and switch to get customer data and information. 

Also, this can open customers to possible discrimination as the customer 's driver 's license data can be used allegedly by Concora Credit Inc, Destiny MasterCard, and their representatives and staff to block purchases, reduce limits, etc. based off the customers driver 's license data which includes a photo image, race, age, weight, geographic location, etc.
Product: Checking or savings account

As explained in numerous prior CFPB complaints against Wells Fargo, a settlement amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me in XX/XX/XXXX by an XXXX XXXX. The total amount with estimated taxes is {$5100.00}. An affidavit was signed, sent in to Wells Fargo, check investigated and funds returned to Wells Fargo .... A second check sent to my old address supposedly prior to me moving in XX/XX/XXXX or XX/XX/XXXX, I had moved in XX/XX/XXXX to my current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. XXXX sent to old address via XXXX, XXXX, etc, would not be received. Also, a mediation offer amount of {$500.00} plus estimated taxes sent to old address was not received, the total amount including taxes is not available to me at this time, it was detailed in prior CFPB complaint, unresolved. Wells Fargo reps attempt to refer to a mediation confirmation letter sent to me which was not received or signed by myself and needless to say, can not refer to it.. In case either check shows cashed, it was not by myself in which case, no funds received. Further, verifying address they had at the time, which is old address, does not address non-receipt of funds. The last Wells Fargo rep attempted to refer to signature decline of XXXX package containing check which I am not aware of and even so, does not address non-receipt of funds. In case Wells Fargo rep ( s ) attempt to refer again to address verification, that does not address non-receipt of funds, nor does supposed signature decline of a XXXX package I am unaware of.. It appears Wells Fargo reps are unwilling to investigate this matter, simply want to pass it off and refer to old address as verified. I've checked again with Post Office, they show no missing mail to me which is being forwarded from old address, nothing from Wells Fargo.
Product: Checking or savings account

My situation is with Capital One Bank, I open an account few years back and I added my daughter on this account, she turned XXXX and start working, so apparently I added the social security wrong and I sent them a W9 with the copy of my daughter ID to fix this problem. They freeze the account on XX/XX/XXXX and they still have her money freeze. She need her money to pay her insurance and gas. They said wait 5-10 days and then when I Called they still saying that they still working on it. 
Please help me with this situation. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I am a victim of identity theft and that the inquiries beling disputed were not made by me neither by someone I authorized. In short, these Inquiries werenever mine! Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the siputed inquiries from my Credit Report and stop these erroneous reporting. I have been sending dispute letters to the Credit Bureaus having the exact same requets for the removal of the Dispute inquiries and they have failed to respond to my letters. The Credit Bureaus continued reporting the dispute inquiries without providing me copies of documents bearing my signature to support their claims that the inquiries were mine. I need the following inquiries removed from my Credit Report : 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 or other personal consumer reports

On XX/XX/year> I received an email that my experian profile was updated. I did not update it, so attempted to log in directly. I was unable to log in and my phone number was no longer associated with my account. I was unable to proceed. I tried for 3 hours to get a person on the phone for fraud. 100 % autoattendant who could do no more than I could as self service. Called the California business office where I sat on hold for over an hour until it disconnected. Emailed the support desk, but there is no reply. This is absolutely unacceptable for a service that I subscribe to, and worse, this is a service that has access to all of my identity information. I'd like CFPB to hold Experian accountable for having service desk agents or chat agents for urgent assistance when their own accounts are subject to fraud. Thank you.
Product: Debt collection

I called XXXX to remove the debt from my credit report. It has been paid 6+ months ago and has not come off, even after phone calls to stop reporting. I am purchasing a home and it is directly slowing us down.
Product: Mortgage

Loan # XXXX My wife and I recently completed a VA loan assumption from Freedom Mortgage. We took over a loan from another VA qualified individual. The loan process was long ( 90 days ) and tedious. Approximately 15 days after we closed, I noticed that I was unable to login to our account page. After I called Freedom on XXXX I was informed that Freedom Mortgage doesn't allow assumptions to have online accounts and deleted my online account. I pressed further and the representative seemed to go back and forth whether it was company policy or an information system problem. As mentioned above I was able to create an account and login in to make the first payment. It seems to me I am being denied ease of information for vital consumer finance documents such as escrow account info, loan payoff, interest each month, and amortization schedules because I assumed a loan. During the loan process it was never discussed that I wouldn't have access to an online portal. There was several documents and emails outlining the online portal and how to create an account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I -  EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  ( Original Creditor : XXXXXXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was made aware of the XXXX credit breach so i went on their site and found out my personal information was exposed during the breach. I then ordered my credit report and discovered there are accounts on my credit that I did not authorize. Please research the XXXX XXXX card that was opened in XXXX of XXXX, and the JPMCB Card that was opened in XXXX of XXXX, and the XXXX XXXX XXXX account that was opened on XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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: Checking or savings account

I have paid my auto insurance for nine months on time, never a late payment. I have gone from $ XXXX to $ XXXX. On XX/XX/2018, I got into a minor accident because I was told to reverse on a one way road by a XXXX airport employee refused to pop the gate. Anyway, my driver sideview mirror was damaged. I filed a claim through USAA auto insurance since i have my automobile policy through them. They told me to get an estimate from XXXX XXXX and then submit it online and via email. They said i would be issued an electronic payment minus my {$500.00} deductible. 

On XX/XX/2018, at XXXX XXXX, I emailed a copy of the estimate for {$970.00} to XXXX and to XXXX. I also took a picture and uploaded the estimate to the USAA Claims Center portal. I never heard anything back about the status for a couple days. So, on XX/XX/2018, i sent a message via the USAA Claims portal about the status. I was told by XXXX XXXX that on XX/XX/2018 at XXXX CST that my estimate was received and was sent for review. No messages or phone calls or emails after that. On XX/XX/2018, at XXXX CST, I received a portal message stating that a payment of {$390.00} was issued. After doing the math, I noticed there was an {$80.00} decrease in their payment to me, which would result in me not paying {$500.00} for my deductible but {$570.00}. 

I contacted USAA and the first rep, XXXX, was very unaware and didnt have the proper knowledge to assist. I demanded a supervisor. After being on hold for a few minutes XXXX, the Claims supervisor, takes the call. XXXX tells me that XXXX XXXX contacted the dealership on their behalf WITHOUT contacting me first to negotiate a deal on parts and labor. XXXX XXXX DOES NOT negotiate on parts and labor. So, the service tech who was responsible for my estimate, XXXX XXXX, said that the claims rep contacted her and pretty much made her order used parts instead of a new part. The estimate is for a new part, not used. XXXX stated the price of the estimate did not change because USAA prefers a used part. The costs remain the same throughout, which means I have been cheated by USAA.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my Venmo account was frozen because of suspicious sign in attempts. I followed all instructions to re-activate the account and verify my identity. There were no fraudulent transactions. They said the issue would be resolved within 7 business days but its been over a month and the account is still frozen. {$230.00} in cash is frozen in the account and {$240.00} in crypto currency that I am unable to access. I have tried to contact the company multiple times via chat and email and havent received any information on when the issue will be resolved. I need that money that is frozen in the account.
Product: Debt collection

I have been receiving automatic calls from a company called ProCollect requesting that I contact them to settle an amount of {$150.00} that I owe. This amount has been reported in my credit report. I have called them to provide me with proof of this debt and they have not provided any proof. The last time I received a call from ProCollect was XX/XX/XXXX or XXXX, 2023.
Product: Credit reporting or other personal consumer reports

I have an issue with my credit report with XXXX. I can see CIBC account inquiry on my credit report whereas i am not even CIBC customer. I have been only doing my banking with XXXX since XXXX XX/XX/year> ( when i landed in XXXX ). Because my name is common in my home country so they have alot of girls with same name here in XXXX too. Whenever any company report about any account, transunion just match my name with someone else and put the inquiry on my account. I have been loyal customer for last 5 years and i do not have any loan and debt on my name. But due to some other girls who are not paying their bills and they have same name as me which causes me alot of problems. Last month, i had same inquiry on my credit report i contacted transunion and told them that i can see additional account inquiry for cibc with current balance {$140.00} which does not belong to me. I sent them my documents including my XXXX statement but they gave me result that information is accurate and account belongs to me and they decreased my XXXX XXXX to XXXX. But when i checked my XXXX XXXX today after XXXX month again, now it shows that it has been decreased to XXXX which is unacceptable for me. This is not the first time, transunion is doing this to me for last 5 years since i came to XXXX. So, everytime they just match my name and birthday with someone who doesnt pay the bills on time and put myself in trouble. So, that is why, i want to make a complaint against them because they do not check whole information like Social insurance number or other specific documentation and using my identity on someone elses account. Can you please reach out to them so that they can remove this false information from my credit report. I will look forward to hearing from you. I would really appreciate your assistance. 
Thank you Have a good day.
Product: Money transfer, virtual currency, or money service

At this time Coinbase is giving me the run around about the transfer of my {$2700.00} + balance in a lost-access Coinbase account. I have submitted multple proofs of identification only for them to approve it and then send me emails asking me to do the same thing, over and over. Coinbase is deliberately and inadvertantly using XXXX to thwart me from gaining access to my old account. My account is traced through an email named : XXXX. I can no longer gain access to the gmail account. Coinbase needs to attach my account to my name, not through XXXX!!!! I already knew where this was going so I am preemptively filing this complaint. I do not have time to go back and forth with them.
Product: Debt collection

I had a XXXX, XXXX and a XXXX XXXX in XX/XX/XXXX and ended up with a hospital stay. Coming from XXXX I thought I was adequately insured with Obama Care through Covered California. I was in no XXXX or XXXX state to deal with reality as I was fighting to keep my job as a XXXX and get well at the same time. I tried speaking to the hospital when I realized that the bills coming through were not for my insurance, but me. The hospital did not want to negotiate and handed it to a debt collector, who then handed it to a 2nd one. Both accepted a payment of {$10.00} a month as I hardly can afford anything on my monthly wages. Due to this my debt has now climbed to {$190000.00} and has damaged my credit report dramatically. 
Original Amount XX/XX/XXXX {$120000.00} Todays Amount XX/XX/XXXX {$190000.00} 1st Debt Collector XXXX XXXX Interest Amount XX/XX/XXXX {$10000.00} 2nd Debt Collector XXXX XXXX XXXX Amount {$190000.00} The HIPPA law has been violated. All invoice/ medical details have been shared amongst all without my approval.
Product: Debt collection

I received a letter yesterday, claiming from me {$92.00}. The name of the collection agency is IC System. The name of the creditor is XXXX. 
I called XXXX the day after wich is today, I spoke with XXXX XXXX, and he confirmed to me that my balance is {$0.00} since XXXX/XXXX/XXXX. 
Aproximetelly 20 days ago I filled another similar complaint with the same claiming amount, but with other collection agency name
Product: Debt collection

XXXX, and other employees from security finance.. would call my work on a daily bases ... to the point that it jeopardize my job ... because of all the calls that kept coming in ... I asked the finance empolyees ( more than XXXX ) .... Please do not call me at work ... and even when I asked them, not to call my work ... the kept calling. If that was n't enough ... XXXX would go to my home.. and harass my underage kids! Too many times this person called me at work and went to my home ... after I told them ..to please stop.. knowing that I was not home.. ( only my kids ) ..one day my friend was meowing my grass and .. told that person ... my finance situation ... and told that person if, I did not pay they were going to take 21 % of my paycheck until I paid off the loan! These company harassed my in more than one way! is there something I can do? need help please