23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint because KOHLS have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues are with the below parties. I have reached out to them over five times to express this is incorrect. I even provided documentation from XXXX XXXX  to show I dont have a bankruptcy and they still fail to remove it. Please assist. 

XXXX. XXXX XXXX. Equifax XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX Account Number : XXXX Date Filed : XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XXXX Balance : {$560.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Additionally, I would like to address the following inquiries associated with 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 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 file this complaint to compel AMEX to provide me with a paper copy of my XXXX of XXXX bank statement and my 1099-INT form for XXXX immediately. I am unable to access these documents online. See attached. I closed this savings account in XXXX of XXXX because AMEX failed to timely fix login issues associated with this account. AMEX was indeed foolish, as I had been a customer since XXXX and AMEX lost close to {$27000.00} because of the account closure. But that is apparently of no consequence to AMEX. 

In any event, it is my understanding that AMEX is legally required to provide the 1099-INT form by XX/XX/XXXX. Today is XX/XX/XXXX, and I have yet to receive form 1099-INT. AMEX is impeding the filing of my tax return. I want these documents to be produced in paper form forthwith, and I want all future correspondence to be mailed to me. I also want the online portal to this account to be shut down. Do not attempt to fix it - that time has long since passed. My disappointment with AMEX can not be overstated. 

My drivers license is attached.
Product: Debt collection

On XX/XX/2021 & XX/XX/2021 I sent certified letters to Synergetic Communication , Inc and they have completely ignored my request for validation of the allege debt this company says I owe. I have asked for them to cease all collection attempts until they have proven that they have the authority to do so. I also asked them to provide me with with supporting documents or contact each credit bureau and tell them to remove/ delete the allege account..

It is now 3 months later and still I have yet to be taken serious.
Product: Credit card or prepaid card

I have a XXXX credit card and XXXX has gone into my checking account unauthorized for the last XXXX months and taken {$200.00} dollars each time to pay on my balance. 

The minimum payment is less than {$40.00} so, they have received over {$240.00} twice, by accessing my checking account and just taking {$200.00} extra each month. 

I contacted them last month and was informed that They would replace the overage. 

I received a letter informing me that they were keeping the overage. 

They took another {$200.00} above my authorized payment again this month, XX/XX/2023.
Product: Checking or savings account

I have been banking with Simple XXXX since 2015 and have been really happy with their budgeting tools. But I am now seeking to access my funds to purchase a home and have had significant issues with customer service responses and times. I have 2 days to send a deposit and simple has not transferred the funds on the date they promised to my other bank account so that I can wire the deposit. I have over XXXX in limbo ( no longer in my account ) but not in XXXX XXXX records ( the receiving bank ). I have called customer service and waited on the phone for a total of over 4 hours. No one has answered. Ive sent messages online and received a few very unhelpful responses. I am close to breaching my contract because I can not find out where the XXXX I sent actually is and they are not answering the phones.
Product: Debt collection

SUNRISE CREDIT SERVICES CALLED MY PRIVATE PHONE NUMBER TODAY, XX/XX/2018, APPROX. XXXX, FROM XXXX, HIDING THE NUMBER OF THIER BUSINESS WHICH IS XXXX. XXXX XXXX started barking claims at me, tell me i owe some type of debt. I immediately told her i have no contract with Sunrise Credit and they must NEVER call me again and I demanded Validation of Debt, pursuant to the Fair Debt Collections Practices Act and informed HER, they have 30 days to provide proof of their claim and any communication within that 30 days, other then about the Validation, is a {$1000.00} fine, per incident. I called the company back later on during the day to obtain an insurance Claim form from this company so i may make a claim for damages. They told me my number has been removed and then questioned me why i was calling them. I asked for a Claim form because i was damaged by this company. Everyone at this company has refused to supply me with an insurance claim form. I asked a manager for a claim form and he hung up on me. I had to call back again to ask for the Claim form, this time i was transferred to a Supervisor who refused to listen to me, continued to rudely speak over me, refused to comply with obtaining a Claim form for me, which i demanded several times, he claimed the FDCPA does NOT apply to Sunrise Credit and then hung up on me. I specifically told this Supervisor named XXXX that Sunrise has injured my person and i need a Claim form to file a claim. XXXX asked me Why, instead of supplying the form and then hung up on me. The manager also had the nerve to ask me for my Social Security Number and told me, he can ask me whatever he wants because of " THE LAW ''. ALL TELEPHONE CONVERSATIONS HAVE BEEN RECORDED. I HAVE AUDIO CONVERSATIONS WITH THIS COMPANY THAT HAVE BEEN SUBMITTED WITH THE XXXX  and CFPB IF APPLICABLE. Same recordings will be used in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Reporting Agencies to ignore a consumer 's rightful request for the removal of the fraudulent accounts and information from my Credit File! I hav read that under the fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus have not complied with the Federal statute and ignored my written requests sent last XX/XX/XXXX. Also the Credit Bureaus have failed to respond to my letters and have claimed that the disputed items belong under my name without sending me copies of proof of verification. Once again, I am requesting that the Credit Bureaus remove the following fraudulent accounts completely from my Credit report. 
XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX
Product: Debt collection

LVNV FUNDING LLC is trying to collect on a consumer credit transaction that I entered into with another company. They are violation my consumer right pursuant to 15 USC 1692 ( d ) ( 3 ) by listing alleged debt on my consumer report. They are also violation my rights by saying I owe a debt in the positive pursuant to 15 USC 1692e ( 2 ) ( A ). I requested LVNV FUNDING LLC to validate alleged debt pursuant to 15 USC 1692 ( g ) and they have not responded.
Product: Mortgage

I had a hardship of losing employment and also has loss if income on top of losing employment. I applied to New Jersey 's hardest hit fund with the direction of NJ Legal Services back in 2017. I was approved by NJ Hardest Hit Fund, but they had to decline me because my lender Homepoint financial decided not to accept the funds. I did call Homepoint to ask why they didn't accept the funds that were coming and I wasn't given an answer as to why they didn't. This could have prevented me from being in foreclosure. I did attempt a loan modification in which they stated they couldn't help, but I know there are additional programs for those who have FHA backed home loans. I never got the feeling that they go above and beyond for their borrowers. Any assistance I tried to get from them was shot down. I have recently reached out to HUD so that I can get the assistance I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am reporting a Fraudulent inquiries founding i my credit report
Product: Credit reporting

equifaxXXXX XXXX XXXXstatus showing collection/charge off ( should be unknown ) remarks should show account included in chapter XXXX bankruptcy filed XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX XXXX : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY
Product: Consumer Loan

I purchased a XXXX XXXX XXXX truck from XXXX XXXX XXXX on XX/XX/2016. I was financed through XXXX to Westlake Financial and had the truck for less than 14 days. I noticed something was wrong with it so I took it to a garage I deal with regularly thinking it just needed a tune-up. It turned out to have a bad engine and after taking it to several other repair shop and being told it would cost {$6000.00} to replace or repair the engine, I contacted XXXX and was told to take it to their shop. I paid that shop {$2100.00} for them to repair it. They had the truck for nearly 4 months. During that time I contacted them several times only to be given a series of excuses as to why it was n't repaired yet. When I contacted the dealership for assistance, I was told they would take that truck in as trade and I could purchase another truck. My partner and I went in to look at their stock and after they sold my partner another truck using the original amount we were credited on the XXXX truck as a downpayment for the XXXX truck did we learn that they did n't take the XXXX truck in as trade and that I still owed on it. By that time I was 3 months behind in payments and no one knew where the first truck was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 


I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code. 

PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. I ALSO WOULD LIKE TO KNOW THE METHOD USED TO VALIDATE THE DEBTS. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST REMOVED. REFER TO ATTACHMENT 1. PLEASE REMOVE THE FOLLOWING NAMES, ADDRESSES, PHONE NUMBERS, EMPLOYERS, SOCIAL SECURITY NUMBERS AND ANY OTHER VARIATIONS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.

REFER TO ATTACHMENT 2. 

MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NUMBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase sent me a letter stating that if I didn't use my card they would close it. Because of the letter, I went ahead and used the card ... And 2 months later the account was closed. Because of the account closure, my credit score dropped and will impact my ability to get a competitive rate. 

There is a clear disconnect between the claim that Chase made on the letter and the action that they took.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am missing a credit card from XXXX  XXXX on my equifax report which is my longest standing card and is negatively affecting my credit score. It shows on my XXXX. 
I also have a issue with XXXX  not reporting for me AT ALL. I have no score which is affecting me trying to buy a house.
Product: Credit reporting or other personal consumer reports

Before XXXX XXXX  this morning experian is closing complaints again without addressing any of our problems. NOW GOING ON 2 YEARS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK UNLESS I PAYTHEM, EXTORTION IS ILLEGAL
Product: Credit reporting or other personal consumer reports

This account is not mine and is fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report ( identity theft report attached here ). The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. XXXX is not on any of my other credit reports as it is NOT MINE. please remove ASAP. 

Equifax and XXXX funding are in VIOLATION of 15 U.S. Code S 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 identify theft, no later than XXXX business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete this IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$7600.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Student loan

I reached out to American Education Services ( AES ) on XX/XX/2019 to get copies of my payment history on all of my student loans. I am being sued for {$8400.00} by a different carry, XXXX XXXX XXXX XXXX XXXX, for a loan I confirmed I made payments on through American Education Services. I talk to a representative on XX/XX/2019 at AES and they said they had to mail me the transcripts. After 2 weeks, I still had not received the transcripts. I reached out again to AES and a gentleman named XXXX told me the system showed that the transcripts of my payment history were mailed. To this date, I still have not received my payment history from AES. I need this information in order to prove to the current company suing me that I have made payments.
Product: Credit card

i have a Kohls card, i was declined at XXXX, on Kohl.com ; I called and they stated that i needed to send a copy of my SS card. gave me a fax number. i did this on Tuesday, because i received the confirmation that the fax went through. i called the XXXX number to verify, was told can't talk to that department. said it would be a couple of days until the account was updated. this was Wednesday morning ; it is now Saturday. i tried to place the order again as i had noticed that the card number on my Kohls App had been updated, and i asked about this specific question within my fax. i was provided a 35 % off coupon, that can not be used basically. i was told on my first phone call today that my card was active and has a good credit limit. they suggested i remove the card and then put the card back into the app. did that, used chat service, again told to call the XXXX number, mind you different XXXX # 's. called that number, was transferred to a different department that went through the verification process again, now 3 times just today. verified who i was, then told that the fax still hadn't been notated on my account. representative on Wednesday said a couple of days, asked for a call back, advised they don't have phones, they are an internal department. asked for the CFO phone number or email address, advised one doesn't exist. asked for a board of directors email or phone number, was given one, will try it on Monday when they should be in the office to see if it works. i have been a customer of Kohls for 20 years. i am not sure what flagged this but it is getting to the point were i dont even want to be associated with them. the only thing that keeps me with them, are the discounts they offer. XXXX i have talked to Kohls via chat, and 2 different XXXX # 's at least 10 times in the past week. XXXX when i spoke with them last week when they asked for my SS card to be faxed, they said they mailed me a letter asking for this information. welp, you know the mail today, never received that letter. i also asked why it was needed, was fraud on my account? whats the purpose. no explanation as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified by XXXX, my credit monitoring company, that my score had dropped over 100 points due to a delinquent payment. 

Upon looking into my history, the delinquent payment listed was my mortgage for Home Point Financial. It stated that the XX/XX/XXXX payment was over 30 days overdue and had been reported to XXXX. 

I have been trying to contact Home Point Financial since Saturday, XX/XX/XXXX, but they have taken down their customer service lines. I have messaged them on XXXX and not received an answer. I have also emailed them and received no answer. 

They have indicated that there is a problem with reporting and many people were affected. Some people, however, were contacted by email or phone. We received no such contact and can still not reach Home Point Financial. 

This is an egregious breach of trust in a mortgage company sending out damning reports on borrowers financial standing. If we were to not pay our mortgage, we would have to respond to debt collectors and eventually end up in court. Why are these companies not paying any penalty at all for their horrible mistakes?
Product: Mortgage

I am an XXXX XXXX XXXX XXXX XXXX member, XXXX in Louisiana with a home of record in Louisiana. Louisiana law, ( XXXX. XXXX ) requires all creditors to cap interest rates at 6  %. This was not honored by Cross Country Mortgage.