23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I ordered a ring 4 times and never received it, ring kept getting mailed to the wrong address. Kohls stated that it was USPS error, I suggested for them to contact the vendor to make them aware and they said they could not do that. I also suggested for them to call the shipping department to avoid this from having again and again, they said the best they can do is email them. I expressed to the Kohls representative that an email will probably not avoid this from happening, I also recommended for them to ship to the store, they could not do that either. The orders are in the process of being refunded but it is not being refunded fast enough where I may incur finance charges and interest on these charges from my credit card. Due to the negative experience they provided me a cash Kohls that continues not to work, a few times! I have called to report this issue several times and these issues continue to be unresolved to date. The last representative XXXX XXXX XXXX stated there is an issue with their systems and decided to reprocess another cash Kohl 's, he was guided by supervisor named XXXX. I suggested for the cash Kohl 's to be entered into directly into my Kohls account and XXXX said that would not be possible and that they can only process another Kohls cash. It seems like the customer service department at Kohls really does not resolve any issues but continuously creates issues on top of the existing issues! I just started to be a customer at Kohls and I am certainly not encouraged to continue giving my business and time to Kohls. No one is able to resolve anything from the customer service department to the corporate department! They have a non working phone number on their website and when I entered my negative experience to the XXXX they were not able to resolve my issue but provide only an apology! I hope sharing my negative experience will help Kohl 's to change their internal processes to make things better for the customer and not continue to put barriers in getting things resolved much sooner and efficiently. 

Apologizing is fine which I have heard numerous times from the different customer service representatives at Kohl 's. However, their response to my complaints is not a resolution and at this time I am looking for a resolution from Kohls corporate office since my numerous attempts to your customer service department has not done so to date! In the many conversations I had with your customer service representatives I was advised to call USPS to intercept the package and make any necessary changes for the package to get tome which has caused me {$25.00} to do. I have the email from the USPS, proving the error from Kohls and the charges I have paid to get my package once and for all! I am requesting for Kohls to absorb this cost as this is the 5th time I havetried to get my paid merchandisefrom Kohls! Today they are charging my credit card for charges not authorized and my Kohl 's account has a Kohl 's credit card account that I do not own! All these issues really need to be investigated they are experiencing internal computer issues which is compromising customers information!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly secured my private data and allowed hackers access to my name, address, birthday, social security number, and potentially my driver 's license number and credit card numbers. Hackers had access to their system from mid-XX/XX/XXXX through XXXX 2017, up until Equifax discovered the breach on XX/XX/XXXX. 

Equifax 's Press Release : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies in the reported accounts.. 

Reporting in EQUIFAX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Reporting in XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report Reporting in XXXX : 1. Under 15 USC 1692g. Validation of debts XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting, that I'm paying on that account, I have not paid on this account for 6 or 7 years, I am asking that you remove it from my report.
Product: Debt collection

I recently checked my credit report and saw accounts reporting that I do not recognize
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : Untitled Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt collections that appears on my credit from Convergent Outsourcing but I do not have a contract with them and want the deragotry marks removed
Product: Debt collection

The credit card company calls me repeatedly. Back to back sometimes 7 times a day. They call before XXXX and after XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX - CARD SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed on my XXXX credit report that I had a notification about a hard credit inquiry had been pulled on my credit by CITI Bank. I immediately called and tried to get a hold of CITI to find out why. I do not have or have had an account with CITI, and I have not applied for credit in any form recently. CITI had no record of me as a customer, and they did not have an account in my name so they were not able to help me. I checked several times with CITI credit applications to make sure that there wasn't an application in process, and they also had to record of anyone requesting credit with my ID  or SS number. 

Learning this I initiated a credit freeze with the credit reporting agencies to prevent other accounts or inquiries being made without my requesting it. 

Details of the hard pull directly from my credit report : Inquirer Name : CBNA, Inquiry Date : XX/XX/2018 Business Type : Airlines Contact Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Product: Checking or savings account

Please see complaint # XXXX and add the following. I received a call yesterday from XXXX @ ( XXXX ) XXXX ext # XXXX told XXXX that she had NO answers for me and that I could contact her directly at the # and extension as provided. 

As she said she would likely be back to me today and as it is now XXXX Eastern time, having not heard from her I decided to call. 

No place to enter an extension or speak to a human at the # XXXX provided, XXXX attempts, I tried another CHASE #, got an agent on the line and was told, " WE DON'T HAVE EXTENSIONS '' feeling duped by Chase once again. 

Chase seems to pride itself in making things difficult for the consumer?
Product: Debt collection

I am dismayed by the ongoing inaccuracies in my credit profile despite multiple requests for correction. Your failure to address these issues promptly not only violates the Fair Credit Reporting Act but also reflects poorly on your professionalism. I am writing to express my extreme dissatisfaction regarding the ongoing inaccuracies in my personal credit profile, specifically pertaining to the accounts referenced below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report, which I believe is inaccurate. Under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the following item and remove or correct it as necessary. 
XXXX XXXX XXXX This account shows closed but here it says open and different balances This information is incorrect it should have the correct balance and information if the account is open I request that This account is closed and removed of my report due to wrongful information entry within the required 30-day period. Please provide me with the results of your investigation once completed. 

I have included copies of my credit report with the disputed item clearly marked, along with any supporting documents ( such as receipts, bank statements, or letters ) to substantiate my dispute. 

Please provide me with a written response confirming that the investigation has been completed, and any updates to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have leased two XXXX XXXX from XXXX XXXX, which was leased through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX I have cosigned one XXXX for my brother under account number XXXX I got shocked to receive default notice from TMCC in XXXX second week, that there is no payment has been submitted on this account. 
Upon investigation, I found out account number on this account was entered incorrectly, that why payments were not being made and bouncing back. 
It was fixed when found out. My credit has been reported for 2 late payments. 
How come lender never communicated with the person for 90 days. 
There was NO communication till XXXX first week, when we found out and cured. 
I think reporting adverse late payment history to credit bureau without even approaching borrower is not right practice. When the accounts get delinquent, Borrower/guarantee should have gotten a communication right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a alert that my credit was pulled for a installment loan. I havent applied for a loan so I called them. I provided my info and she stated it was in regards to a home my ex husband and I purchased in XXXX. I have been divorced from him since XXXX and I also filed bankruptcy which was discharged in XXXX that includes the house. I advised that I didnt authorize them to check my credit and I had never even heard of the company before. She stated something about them trying to collect a debt. I asked for it to be removed from my report because I didnt tell them they could run my credit for a home I havent had since XXXX and again was discharged on my bankruptcy. I was placed on hold then hung up on.
Product: Debt collection

One of my student loans went into default and I realized this when I logged into my students loan account. I have never received any correspondence from the debt collection agency Alltran education. I reached out to them to start the loan rehabilitation process, and I requested the loan rehabilitation process in writing I was asked for my bank account information and was told that I would be sent a letter after I started making payments. I made the mistake of giving them the information and was charged the first payment. I have yet to receive anything in the mail and I have been calling them every week. They just say that it will be sent to me, but it has already been 2 weeks and I have not received anything. I also requested to receive the information by email and that still has not been done.
Product: Mortgage

I purchased my home on XX/XX/20. When I purchased my home, it was clear that my property taxes were ~ {$11000.00}. Last year there was a significant shortage with my escrow account and there needed to be an adjustment made. I am a XXXX  mother on a fixed income and my mortgage payment went from {$2400.00} to {$2900.00} per month. That put me in a very precarious position. 

I was told by XXXX XXXX and the person who works for her, XXXX, that given the adjustment, there would not be an issue again with my escrow being short because of the changes that were made. I looked at my escrow amount yesterday and there is only {$1100.00} in escrow but nearly {$6000.00} is due next month. When I spoke to XXXX today she said that they hadn't made a mistake and that there would be another significant shortage. I asked to speak to her boss and she told me she was unavailable. I asked to speak to the CEO and her reply was that, " He doesn't speak to customers ''. 

I do not have the money to pay the {$5000.00} difference and I can't afford for my mortgage to go up monthly AGAIN! 

The mortgage company should be responsible for the mistake and pay the difference now and ensure that the amount that I am currently paying will cover escrow going forward unless my property taxes increase. 

I have contacted the media about this company 's horrible and deceptive business practices. 

I would like your assistance in holding XXXX XXXX in XXXX, XXXX accountable.
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan out in around XXXX from OneMain Financial and also bought an extra secure insurance to cover just in case I was unable to pay/finish paying my loan to cover me. I was paying on my loan and the extra insurance just fine until I lost my job. While looking for another job I contacted OneMain Financial to let them know. It was vert hard communicating and getting the right information regarding the extra insurance I added to the loan and was paying for. I kept getting forms in the mail to fill out and sent back with information and all the proof they requested. I will called after I've returned the form. Was told it was received but kept hitting a road block with excuses and getting the same forms sent to me. I was tired of the " runaround '' and My credit was ruin and I tried settling. I was told if I settle it was going take care of the negative impact on my credit.
Product: Credit reporting

I filed a dispute with Equifax and XXXX at the same time concerning a judgment that has been cancelled from my record in XX/XX/2015 and XXXX has removed it from my credit report in XX/XX/2015, Equifax had not and answered the dispute that the information was correct. On XXXX XXXX, 2015 I called Equifax concerning this and filed a dispute by phone and as of today the judgment is still on my Equifax credit report and I have n't received a letter or anything concerning this dispute which is been almost XXXX months. I want this corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries listed on my credit report. As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that these items be promptly blocked and removed from my credit file.

Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$1000.00} 2. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$2700.00} 3. Creditor Name : XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$460.00} Fraudulent Inquiry : 1. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

Attempting to collect a debt I don't know. Tried to get resolved previously.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting late payments for XXXX, XXXX, XXXX. 
I requested for these late payments to be removed off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - Back in XX/XX/2020, Banco Popular de Puerto Rico ( or Popular Services ) issued me a rewards MasterCard through XXXX XXXX XXXX  XXXX. 

I transferred a balance from XXXX XXXX to them. 

I never received any monthly statements, calls, emails, etc. My bank has credit alert benefit and alerted me that Banco Popular reported me as not making payments and reported me late. 

I contacted them, immediately brought my account current with them and advised them I did not received any correspondence. I also asked them to correct the late payment notice on my credit, they said to contact you. 

I would just like to have the late notice removed from the report for this bank. I have a feeling you have received many complaints regarding this financial institution. I will be paying my account off fairly soon and closing this account. 

Please assist me or advise how I can remedy this. 

Thank you for time in advance. 

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

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX : {$30.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you