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

My account was closed without my knowledge and without proper notice. 

Ive had my Kohls charged since XXXX when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive had no issues with my Kohls charge until I moved and I changed my address. 

After I was notified of the issue with my address in XX/XX/XXXX, I contacted Kohls and ultimately spoke with their fraud department. I gave the fraud department my updated address and they updated my account. On three separate occasions in XXXX, I was able to use my Kohls charge with no problem. On XX/XX/XXXX, I logged into the website and paid the total balance on my Kohls charge, which was actually earlier than the due date. 

I then tried to use my Kohls charge online in XXXX and I received an error message. I was told to call customer service. When I call customer service, they told me that I need to speak to an account specialist, who is not available and gave me a number to call back. I called back the next day. I ultimately was bounced around to seven different departments and people. They finally told me that my account has been closed due to my address. They told me the account was closed in XX/XX/XXXX. 

Interestingly, when I went to pay my account in full in XXXX online, there was no notice that my account was going to be closed or that they needed an updated address from me. When I spoke to the account specialist, they all indicated that my account was closed due to not having my mailing address. However, they confirmed that they had my correct address. They repeatedly told me they could not reopen my account and that I should just reapply for a new Kohls charge. I told him this was not satisfactory because I did not want another credit inquiry on my credit report. I also told them that if I were to reapply for a new card, I would be using the same address that they already had on file which for some reason they claimed was an error. 

My account was closed due to an error on Kohl 's part, and nothing that I did. They have had my correct address since XX/XX/XXXX and they let me use my Kohls charge with that address in XXXX and XXXX. I do not understand why they close my account when they had my correct address. I would like them to re-open the same account that I had since XXXX without a credit inquiry. 

I have attached my billing statement from XXXX, which shows my correct address along with the charges. They allowed me to make on my credit card that actually had my correct address. I also attach proof of my payments for the full balance prior to the due date.
Product: Credit card or prepaid card

Citi Bank blocked my Citi XXXX XXXX on the first day of use, citing fraud prevention. I called them to ask them to lift the block. But they said they could not verify my identity using my cell phone, because my cell phone was not registered under my name. They said they would send me a physical letter with a code instead. I waited for weeks for the verification letter, but it never came. After a couple of weeks, I called them again to ask them to send another one, and the new one also never came. 

It has been almost XXXX months now, and I have not been able to use my credit card ( and can not meet the spending requirement during the first XXXX months to qualify for the sign-up bonus ). So I asked them to cancel my card and refund the annual fee. They refused to do so, saying that I would have to go through the verification process in order to be able to cancel the card. 

Citi Bank leaves me no option at all. My card is blocked with no practical way to lift it, and I can not even have the card cancelled.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 

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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fare credit report act the list of accounts listed below have violated my federally protected consumer rights to privacy under the 15 USC 1681. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC section 602 states u have the right to privacy. 15 USC 1681 section 604 A stars a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been contacted by MCM multiple times from DIFFERENT phone numbers. They will leave voicemails with vague information about calling them back but with no info on why they are calling, etc. Its clearly coming from a loud call center. I have blocked the numbers but they keep coming back with new ones. 

My XXXX call filter adds the name of the company unknown numbers come from and every time it says MCM. 

The voicemail that is left does not refer to me by name is always a version of : Hey this is NAME from MCM. Please contact me at XXXX. Thank you. This is a verbatim transcript of the recent call which shows up as coming from XXXX. Another came from XXXX, then XXXX, XXXX
Product: Debt collection

Was sent a collection of date to verify within 30 days in XXXX of XXXX from Evergreen Professional. Sent letter out XXXX the week of XXXX - XXXX. to verify the debt. I had waited over 60 days to get letters from Evergreen Professional that it was valid of not and had not heard from them. Certified mail card that I wanted signed to get back to me was signed on XX/XX/XXXX by " A ''. 

By the over 60 date mark of not hearing back - I sent a letter that they must terminate the collection because it wasn't validated and included the estoppel by silenced and since no such proof existed- they had to delete all of the collection debt they requested in the first place. That was signed by " A '' once again on XX/XX/XXXX. They had 15 days ( calendar ) to do so. 

I haven't heard from them until they sent a letter basically requesting that they haven't heard from me and now assume the debt is valid and if I didn't respond by XX/XX/XXXX that they seek the legal representation route. I'm in the process of sending everything I sent them ( copies ) with the fact that I've reported them to CFPB, FTC and kept my documents just in case it goes further. 

I haven't seen anything from them saying its my debt, the bureau 's didn't even send anything towards me either and I have reached out many times to them to validate it. I even have notes on the debt that is getting reported that I'm seeking validation on the so called debt I owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is unlawfully attempting to collect and reporting an account that has been included in my XXXX. Under the XXXX XXXX  XXXX, any collection efforts or reporting on this account are illegal due to the protections afforded by the automatic stay and discharge injunction. Furthermore, the information they have reported, particularly regarding the date of activity, is incorrect and misleading. This constitutes fraudulent reporting, and I am requesting an immediate correction. Specifically, I demand the deletion of this account from all records to rectify this violation and ensure compliance with federal law.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$7100.00}
Product: Mortgage

Received a 'firm offer ' of a guaranteed 'pre approved ' refinance of mortgage. The card, from American Financial Network , Inc. said that my rate was guaranteed until XX/XX/2020. 

When I called them on XX/XX/2020 to take advantage of the offer, it no longer existed and a new rate that was higher than that on the card ( over 4 % ) was offered instead of the 2.75 % rate 'guaranteed '. Call made at XXXX.
Product: Debt collection

I received a call from XXXX XXXX who called from XXXX XXXX XXXX and XXXX XXXX XXXX initially claimed i owe some amount and i said i am unaware of this amount. 

then she asked me personal information about my another person and asked what details I know about her and tried to collect more of Personal Identity information about another person and told she wants this information about another person she also claimed that i am part of a lease then when i asked the lease document, she changed her statement sorry it was mistake you are not part of lease. i asked why you kept changing the statement she hanged up. 

I called again the same number I got someone name XXXX who read a script and made me say Yes, I declined to say yes and he did not cooperate to answer the questions about their company 's debt collection process and he barely gave out the name of who called and he is saying they are now removing my name because I don't owe the debt and when asked why they are harassing in the first place, he says it was a mistake they are removing the name now
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the 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 need to be removed from my 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
Product: Credit reporting or other personal consumer reports

The XXXX, New Jersey Police Report and the FTC affidavit needs to be sent to all XXXX credit bureaus.
Product: Debt collection

Credence Resource Management reported a delinquent account on my credit report for {$70.00}. I told them that this was identity theft. They said that it's for a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska. I told them that I have never lived there or visited there in my life. I called XXXX XXXX myself and they said that they only do online disputes with a police report. That since they merged with XXXX XXXX XXXX, they can't file a complaint over the phone and that they only have limited access. I filed a police report with the XXXX of XXXX and they said that it takes some time to get a copy of the police report. The collection company refuses to delete this account from my credit reports. The collection company should be able to verify and dispute the account themselves, since they are the ones reporting it delinquent to my credit. I am in the process of applying for a home loan and this has derailed everything. This is a living nightmare. XXXX & XXXX XXXX should be held accountable for not fully verifying the identity of the person when this account was opened. I'm sure that I'm not the only victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # listed as XXXX Opened XX/XX/2018 Opened by someone named XXXX XXXX XXXX. This is a fraudulent account- my name is XXXX XXXX XXXX . I have sent this company my information and they just sent back to Experian and XXXX that the account was sold. I have my Texas driver 's license showing my legal name, so I need this deleted from Experian, XXXX, and XXXX. The address they gave on file is not my current or former residence.
Product: Checking or savings account

What is this complaint about?

Business Checking Account bonus of {$400.00} for promotion code " XXXX  '' was not paid to me.

What type of problem are you having?

The language in the promotion documentation is not clear. A clause in the language is being enforced but is in brackets. Items in brackets are considered as examples and not guidelines. The new money type restrictions are not mentioned in a full sentence. Due to this language being enforced, I have not received the {$400.00} bonus payment.

What happened? 
On XX/XX/2019, I opened a Silver Checking Business account along with a Money Market account. Opening deposit was {$100.00} to each account. I transferred in another {$4900.00} to the checking account on XX/XX/2019 using ACH. The total balance to both accounts was maintained at {$5100.00} for almost another 2 months. I transferred in another {$100.00} by ACH on XX/XX/2019. I made other transfers in but had to close the Money Market account. During these 3 months I was in touch with the Business Banker XXXX XXXX who was interacting with me, explained to me why the bonus may not be paid to me, and also opened an exception request for bonus payment. Ultimately in XX/XX/2019, the exception was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Product: Debt collection

Violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. ( FDCPA ), Telephone Consumer Protection Act ( TCPA ) and Fair Credit Reporting Act ( FCRA ). 

Unbeknownst to me, Diversified Consultants placed a collection account on my credit bureau reports and damaged my credit score/worthiness.I was also inundated with collections calls from DCI. Requests to cease and desist contacting me were disregarded, in violation of the, Telephone Consumer Protection Act. 

On XX/XX/2019 DCI was sent a letter asking to validate the debt. DCI did not respond to my request. Another debt validation letter was sent on XX/XX/2019. Despite the fact that the XXXX and XX/XX/2019 debt validation request letters were delivered and signed for, DCI failed to respond, in Violation of 15 U.S.C. 1692g Validation of Debts.

15 U.S.C. 1692g provides that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing certain enumerated information.

DCI has violated 1692e by using a false, deceptive and misleading representation in its attempt to collect a debt.5 U.S.C. 1692e prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

DCI falsely reported a collections account to credit bureaus that resulted in damage to my credit worthiness, in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

Bought Google credit for XXXX $ And have not been able to use it. 
It says account insufficient funds Deposit funds a week ago today.
Product: Debt collection

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

My credit card account was closed by Alliant Credit Union, the reason being for using the card for business activities. There hasn't been anything on the card that remotely qualify as business activity, and in fact I barely put any charge on there. Also I was just recently charged an annual fee when the bank decided to close my account after I paid, seems very sketchy.
Product: Debt collection

I have been receiving calls from an automated debt collection system ( a number search revealed it to be G.L.A Collections based in XXXX, KY. There were no identifying factors in the call regarding the agency or what the debt consists of ). Ive not been able to answer the call due to receiving them on my cell phone during work hours, so the messages have been left via voicemail. I have ran a credit check via XXXX, but there are no unpaid debts showing on the report. Ive also called the agencies Ive recently had bills from ( all medical facilities ) and they report no balances or referrals to a debt collection agency.
Product: Credit reporting or other personal consumer reports

I have been dealing with a lot of harassment. I couldnt figure out where the people harassing me where getting the information from On XXXX XXXX said they received a claim for damages done on a car I dont own anymore. The claim was for damages done on XX/XX/XXXX ( my husbands birthday 2 years ago ). This was not a legitimate claim and is fraudulent. I just couldnt figure out where the people harassing me got the info. Then I got smart and remember XXXX. I previously was a debt collector years ago and used the database with my previous employer. XXXX claims that XXXX an attorney in GA filed the claim. 

I called XXXX XXXX XXXX Solutions to find out if anyone has been running reports on me. This is what I found : PayPal ran my PERSONAL information on : XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times Then I thought to run my husbands too since the date of the claim was XX/XX/XXXX - his birthday 2 years ago. And low and behold look what we found : XX/XX/XXXX 2 times XX/XX/XXXX 2 times XX/XX/XXXX XXXX times XX/XX/XXXX 2 times And then because the harassment has been so bad and continuous in my life and I just couldnt understand why my predator knew so much about me, I conferenced my mother is as well and had her info run with XXXX XXXX Risk as well because she owns the house I live in, you wouldnt believe it : XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 2 times XX/XX/XXXX 2 times XXXX XXXX said that it was PayPal that ran it over and over and over again starting on the day of what I believe to be a fake claim with the intention to harass and upset me. 

There is no reason for PayPal to be running any of our information but especially that many time. I have to believe someone with this lawfirm XXXX  or at XXXX knows someone who works at PayPal. 

XXXX assured me it was the same user among all of our inquires, I am very upset that PayPal is running my information over and over again and the dates are just far too coincidental to the complaints I have filed about the XXXX claim. I filed with the GA State Bar Grievance for XXXX XXXX. And I filed with the Dept of Finance on XXXX. 

I feel this information was not used for the intended purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX NEW MEXIC ) XXXX Balance XXXX {$740.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : NEW MEXICO XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP ; month after month since XX/XX/2023 the accounts below have shown inaccurate reports ; returning to me as verified and in some subjects updated ; still very inaccurate. I am in need of help because I am being harassed by a debt collector who is sending letters of intent to sue. In accordance with the Fair Credit Reporting act. The ACCOUNT below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have told the XXXX, TRANSUNION, and XXXX multiple times to reinvestigate ( XXXX ) XXXX XXXX ( Transunion ) XXXX XXXX  XXXX. 
In todays case XXXX  XX/XX/2023 the inaccurate information between TRANSUNION XXXX XXXX  XXXX and XXXX XXXX XXXXLAST VERIFIED updated but inaccurate ; DATE OF LAST ACTIVITY updated but inaccurate ; DATE REPORTED updated but inaccurate ; DATE OPENED updated but inaccurate ; DISPUTE STATUS updated but inaccurate ; CREDITOR TYPE updated but inaccurate ; PAYMENT STATUS updated but inaccurate ; CREDITOR REMARKS updated but inaccurate ; ORIGINAL CREDITOR updated but inaccurate ; PAYMENT AMOUNT updated but inaccurate ; LAST PAYMENT updated but inaccurate ; ACCOUNT TYPE updated but inaccurate ; DAYS LATE-7 YEAR HISTORY updated but inaccurate.

Updated*/modified According to 15 USC 1681 ( 5 ) they are suppose to modify/delete accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.