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

Kohls Bill Disputes : I DO NOT owe the balance of {$750.00} as of XX/XX/XXXX2020 or any other updated balance that Kohls currently alleges I owe for Account Number : XXXX due to the following : Kohl 's has NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed on the 2020 previous complaint I submitted to CFPB. 

Kohl 's has only provided a card agreement which is NOT a signed contract. 


Kohls received a CFPB XXXX XXXX # XXXX was received and replied to by Kohls that they were working on it. Kohls received my written bill dispute through certified mail - USPS. Tracking # XXXX ( confirms that it was delivered XX/XX/XXXX. @ XXXX with return receipt. I also called and spoke with several representatives on XX/XX/XXXX2020 to check on the status of the bill dispute surrounding the account in question. 

Despite the fact that Kohls is well aware of the written bill dispute that they have received, Kohls has continued to attempt collection on the account. When I called and spoke to XXXX and XXXX, they attempted to collect upon the account and stated that there was only a credit dispute amount noted on the account for XXXX/XXXX/20. The account with the disputed balance which Kohls alleges ownership to me, has not been placed into a bill dispute status. XXXX placed a request to place the account into forbearance status for XX/XX/XXXX2020 and XXXX 2020. He also stated he put in a request to credit another erroneously charged late fee of {$38.00}. I asked the representatives to note the confirmation # s and info of the written bill disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is not reporting on the appropriate standard times which causes my scores to be stagnated and stay still. For example XXXX  and XXXX representatives stated that the status is updated on the XXXXXXXX  of the month. Accordingly my research XXXX  did not update on the first of month as stated I noticed an update on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc in XXXX  and XXXX.This is not consistent. The dates are dates ae off. XXXX  representatives told me they update on the XXXX of every month. They are not updating properly which puts me at a disadvantage to move up financially and to look favorable for loans in the future for school.
Product: Money transfer, virtual currency, or money service

I am writing today to express my concerns regarding XXXX handling of disputes, particularly in light of the recent XXXX  lawsuit highlighting issues with this platform. I have used XXXX for several years now, and both my financial institution and XXXX themselves have failed to investigate my claims adequately. Theyve informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The XXXX  findings indicate that XXXX has neglected to protect their customers. They have allowed repeat offenders to exploit the system, and this leaves users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concern for us users safety.
Product: Checking or savings account

I deposited a check in the amount of {$520.00} to a Bank of America ATM machine. I contacted the bank over and over again to find out why the check was not credited to my checking account. The bank told me I had to get proof of the check because they did not receive the ATM check deposit. I asked XXXX XXXX over and over again to send me a copy of the check and proof that it had been cashed. I asked them several times to send me a copy and they never did. I had to file a complaint against XXXX in order for them to send me the copy of the check and proof that it had been cashed. They finally sent me the information and I provided it to Bank of America and they have not responded to me. This has been going on for a year now and the bank has been giving me the run around this entire time. I asked BOA to investigate what happened and they have not done so. I have a copy of the check and proof that it was cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion  more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Radius Global Solutions is attempting to collect on a debt that they purchased from XXXX  XXXX. My RIGHT to privacy has been violated. I am requesting deletion of this account and to cease collecting on this alleged debt. I am requesting that this company cease and desist contact with me. see attached letter to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone applied for credit under my social security number with XXXX XXXX. I called XXXX Card services and they say they have sent a request to have the inquiry removed but they refused to tell me any other information except that my name was on the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Citi Corp through Costco and the rep, XXXX told me over the phone that I do not have any late days past 30 days from my statements, He advised me the longest I've ever been past due was 8 days with does not constitute being late. I asked for him to remove the late fee of {$33.00} and he did but did not remove the 30 days past due. As you'll see in my attachment, I have a 30 days late on there and he advised me there isn't one but there is. This is strongly affecting my credit ratings as I'm trying to purchase a home. 

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

I sent a dispute letter to TransUnion and did not get an investigation into the companies I complained about.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union has placed account # XXXX on my consumer report. I have sent several emails and letters requesting a 1099-C. I know that once the company has placed the account in a charge-off status, they have used this debt as a tax write off, which now makes it taxable income for me. According to Fair Credit Reporting Act, 15 USC 1681c ( a ) ( 4 ), accounts placed for collection or charged to profit, and loss should be excluded from a consumer report. Because the status of this account/tradeline is in a charge-off state, it also should not be reporting a balance, but currently is reporting a balance of {$7900.00}. Due to the balance still being reported and the account being in a charge-off status, the information that is being reported is inaccurate, and it is continuing to be reported as of XX/XX/year>. 
According to 15 USC 1681e ( b ), XXXX shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The information provided above shows that the information that is being reported is not accurate. 
Also, Navy Federal Credit Union has failed to comply with 15 USC 1681c-2. The responsibilities of a furnisher of information to a consumer reporting agency. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. 
Although I have requested a 1099-C several times Navy Federal Credit Union has failed to comply, and they never responded to any of the letters that were sent. XXXX has failed to comply with the FCRA. I have sent letters to XXXX about this violation several times, but they have failed to remove this tradeline/account from my consumer report.
Product: Credit reporting or other personal consumer reports

After I noticed this negative account on my credit report, I reached out to the Credit Bureaus to verify this account and they fail to do so. So I am now demanding this account be deleted off my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

applied at XXXX XXXX XXXX XXXX  for residency only with the management company XXXX XXXX XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX. we gave her the application on XX/XX/XXXX and she pulled my moms and mine XX/XX/XXXX. she did not tell us we were denied until 22 business days after we applied. XXXX XXXX was extremely unprofessional and delayed the purchase of the mobile home XXXX XXXX XXXX, XXXX XXXX, ca XXXX my mom made 3 times the rent, had excellent credit and have lived in a rv in the park for 1 year. 
we had to fix everthing that was not ours in backgrounds and without our knowledge XXXX XXXX pulled our credit XX/XX/XXXX. she waited 18 business days to let us know we could be residents.

we did not authorize her to pull our credit the 2nd time and she did not even tell us we were having it pulled. 
XX/XX/XXXX i left XXXX XXXX XXXX XXXX  because of substandard unhealthy conditions where my rv was parked at XXXX XXXX. 
my mom and i appled for residency at XXXX XXXX in XXXX where we were accepted then 2 days later denied. my mom spoke with XXXX on the phone and the phone was on 3 way so i witnessed what XXXX said. she said she spoke withy XXXX XXXX of XXXX and she told him i was banned by XXXX XXXX XXXX XXXX 
blacklisting is against the law and XXXX blacklisted my mom and myself. 
i am XXXX XXXX with a XXXX XXXX XXXX injury and my mom has XXXX  XXXX.
Product: Debt collection

I recently pulled all three of my credit reports, XXXX XXXX and XXXX. After reviewing them I noticed a collection account in the amount of {$570.00}. I am not sure how this has come about. The company listed name is Jefferson capital. I have never had any business dealings with this company whatsoever. I have also disputed this account several times and continued to get automated email responses stating that the account is accurate and will continue to report as such. I have requested for the company to send real verified documentation showing that I am responsible for the bill, but they have yet to do so. I am working full time and I am also in the process of trying to purchase a new car but my credit score has been severely impacted in a negative way due to the inaccurate collection that is listed on my report. Please remove this negative item from my report.
Product: Checking or savings account

Representatives of BoA visited my business and offered a new product service for small business owners. I made sure this was a BoA product and it was confirmed that it was " Merchant Services, '' so I signed up. All seemed to be well for a period of time. I later noted a debit of {$10000.00} and a subsequent debit of {$3500.00}. When a large charge reaches my account I am always contacted by the bank 's Fraud Department to confirm the legitimacy of the charge. That did not occur with these transactions. Thereafter, I took notice of a number of chargebacks ( refunds ) in the account under the same institution. All of the transactions have since totaled around {$20000.00}. I called Bank of America for assistance because I was completely confused but I was told I would need to visit my local branch. Throughout several weeks I spoke with a number of people who explained to me that Bank of America discontinued it's relationship with that merchant, but did not notify any account holders. This service was again presented by, from, and as a Bank of America product. Due to this lack of communication and transparency I incurred charges and chargebacks from the company once their agreement ceased. Bank of America refused to help me dispute the charges and the reversal payments which occured as a result of them ending their contract with the service company. I explained thoroughly that only after the charges had I been told this was a partnership and they were ending their relationship. If I were made aware I would have taken the steps to do the same. Bank of America presented the service directly to me but did not any way shape or form let me know this product/service would no longer be offered. This situation is beyond unsettling because they refuse to move a toe in trying to assist me in protecting my account, disputing the charges, or getting my money returned back to me. They simply apologized and stated there is nothing they can do. They have completely thrown their hands up and not taken responsibility, not tried to help me in any way, nor explain how nor why I wasn't kept informed about anything. These are the those I continuously pleaded for help from XXXX 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: Student loan

Mohela continues to provide incorrect information to federal student loan borrowers that have them as their loan servicer. I submitted an XXXX  application on XX/XX/XXXX to change my XXXX plan to the XXXX program, so that I can resume payments and progress toward forgiveness under XXXX. A representative on XX/XX/XXXX incorrectly told me I would not be eligible for this program, since I am on the XXXX plan forbearance, and my application would not be processed. This is clearly inaccurate information, as the XXXX program was reopened specifically to accommodate people in my situation. She furthermore told me they did not have my application, despite my having screenshots confirming that the application was submitted on studentaid.gov and sent to Mohela. 

Mohela also sent an inaccurate email to borrowers on XX/XX/XXXX stating that interest continues to accrue during forbearance, which is not true, and despite being informed of this mistake by me and many others, they did not issue a retraction.
Product: Checking or savings account

In XXXX of 2020, I received a card dated XX/XX/2020 stating my certificates of deposit at Cadence Bank in XXXX, Alabama were up for renewal and I had ten days to respond or the CDs would automatically renew for the same term at the interest rate in effect on the maturity date. I called the toll free number and it went to the bank in XXXX, Alabama. A female employee told me she would ask someone in the XXXX branch to contact me. A few days later, Ms. XXXX XXXX, Branch Manager of the XXXX Cadence Bank, called me. We discussed the CDs and I agreed to renew the CDs for six months at a rate of .60 % which she stated was the rate the bank gave to their customers who had had accounts for years. She asked me to come in and sign the forms. Because of the Covid 19 pandemic, I told her I was in the high risk group and did not feel comfortable coming into the branch to sign the forms for renewal. She agreed to put the forms in the mail the next day for me to sign and return. However, I never received the forms. When I called her two weeks later, she apologized for not sending the forms and promised again to send the forms. I did not receive these forms either. I called for a third time and she again promised to send the forms. 

( See attached sheet )
Product: Mortgage

Currently 2 months behind on my morgaga and I'm only working 3 days a week
Product: Credit reporting

I have a XXXX Account for many years and have existing Investments through them. I moved to Hawaii in 2003 and there were no XXXX XXXX Locations in the State. Finally I had to close my account and open a local Bank of Hawaii account. 

I moved multiple times, always forwarding mail to my new address, however at the time I closed this account, I never received any late fee notices or contact via telephone or email. I submitted a letter to close my account and paid off the entire balance. There were absolutely No Late Fees I was made aware of at anytime. 

The amount disputed is {$15.00}, I have contacted XXXX locally in XXXX and Nationally, There is no account number they can provide me with, nor any details regarding this late payment. Ultimately, there is no proof I was late in payment and after multiple efforts contacting XXXX XXXX, they have not removed from small late fee from my credit history. I never even knew it existed until I checked my credit report history. 

Please advise on how I can dispute this and I 'm happy to comply in anyway to remove this from my record because I 'm fiscally responsible and am always on time with payments. 

Thank you for all your help in this situation, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred money through SoFi using XXXX to pay for concert tickets. On XX/XX/XXXX, I found out that the person who was selling those tickets had been hacked, and so we were not transferred the tickets, but still had sent the payment. The XXXX XXXX of XX/XX/XXXX, I reported this and disputed the transaction of {$900.00}. In that chat, the agent said when the dispute is closed, we would receive our money back. Today, XX/XX/XXXX, we received an email that the dispute was denied, signaling that we will not be getting our money back and the transaction will stand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX XXXX XXXX  via email with a Goodwill letter to see if they could adjust the late payments reporting on my student loan accounts with them. The alleged late payments came from periods that my forbearance supposedly covered. The rep said no because the information was accurate. XXXX is not complying with their policy that states any backdated, granted forbearance covers late payments if any shall be a result of it. They brought my account to current but failed to address and remove the late payments that occurred from XXXX XXXX XX/XX/2019 on the student loan accounts. XXXX  is reporting inaccurate information ( late payments ) on my consumer reports with XXXX, XXXX, and TransUnion.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I made a call to ACS or Conduent ustomer service about my student loan trade line item on my credit report from XXXX. It is being reported as 120 days past due. However, the student loan was transferred to another office, called XXXX, and is being reported as current. Both of these are showing on my credit report. I explained to customer service that their reporting is misrepresenting my credit profile as non-current when, in fact, it is current and in good standing. 

Customer service says that it was in default at the time it was reported. At that, I was contacted by another office who was willing to help me out of default through loan rehabilitation. When I finished that program, my loan was transferred to XXXX of which payments are in good standing. 

There should only be a single line item for my student loan, which is XXXX. ACS will not remove their derogatory information upon my request. I have reached out to XXXX via a credit dispute and they informed me that to contact ACS. My dispute to XXXX was that I have duplicate accounts on my credit report which is my student loan.