23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently applied for and received an American Express Delta Skymiles credit card. I since activated it and used successfully for XXXX internet purchase. I tried to make a XXXX shortly after and it was declined. Not being familiar with AmEx I thought maybe the merchant just did not accept american express and they did n't have anything specifically stating whether or not they accepted amex. I tried to use my AmEx card to rent a car at XXXX XXXX rental at XXXX airport in XXXX SC several days later and was told that the card was declined. I called the customer service number on the back of my card and was immediately transfered to the fraud protection department. The representative asked for my name and birth year to verify my account. I provided the correct information, then the representative asked if I had the reference number that was left on my voice mail. I said that I did not, he checked to see if there was another way to verify my identity and after a few moments he said he was sorry that he was unable to verify my identity and I asked what was wrong, he said my account was flagged with a fraud alert. I explained that I had n't received any missed calls or voicemail. He said to keep the line open and they would call back within 72 hours. I went online and signed into my account to see if there was anything I could do from there. I noticed there were XXXX numbers on my account, my work number and my cell phone number, XXXX of which I can not edit and which I can only see the last XXXX digits. After that i figured what may have happened is that they may have called the office/work number, which is the main number and not my direct line and either does n't have voicemail and if it does i do n't have access to it. I called back and explained to the representative my situation, she said she would remove the reference number and would call me back. I asked to please call me back on my mobile number and she said not to worry they would try all phone numbers on my account. I did not receive any call and over a week passed by. I received an email this morning stating my account would be close due to a fraud alert and they have been trying to contact me but could not reach me. I called back this morning a little irate and told them this was getting ridiculous, they lady said she would have a supervisor call me back and ask if there was a preferred number. I gave her my mobile number which is listed on the account, I still have not yet received a call. I just want to use my account, this is very frustrating and it feels like some kind of scam. i have since received a bill/payment due date for my XXXX purchase, yet they wont call me back. Someone please help!!! This is the worst experience I 've ever had with a credit card company.
Product: Debt collection

I XXXX XXXX returned a endorsed remittance slip provided by Capital One in which I Wrote on the negotiable instrument : Offer Accepted for value received {$560.00} for accord and satisfaction of the obligation due. Pay to the order : Capital Once :, for special deposits for special purposes such as bailment or general deposit. Acc # Ending : XXXX and added Without recourse, By accommodation : - to dishonor return within 2 days. on XX/XX/XXXX which they received and signed for XX/XX/XXXX. Capital One accepted and only applied {$1.00} to may balance and have been sending me late fee notices, interest and als reporting false information to the Credit agencies about me. 

I Then made another attempt XX/XX/XXXX which Capital One Received yet again and yet again not efforts have been made to resolve the issue. I then made another attempt but this time I sent a Notice Of Billing Error along with the Offer accepted for value on XXXX which Capital One received XX/XX/XXXX and still no written response nor efforts to resolve this problem. 

Also sent Conspicuous Notice : Enclosed is offer accepted, for an accord and satisfaction of the obligation due. To disregard this instrument still constitutes discharge due, to dishonor said negotiable instrument, payment must be sent back to the sender with a detailed explanation point for point as to why the instrument did not satisfy any claim associated with said " resident '' in accordance with GAAP as well as U.C.C. Article 3. Failure to apply discharge of the obligation to account ending XXXX associated with the claim will represent a billing error. 

Notice of billing error : 12 CFR 1026.13 ( 3 ) ( 4 ) ( 5 ) By Accommodation : Without Recourse I have attached all accompanying evidence for your review. Thank you
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Kohls, They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

During XXXX I went to the Kohls store, and was going to pay cash for a transaction, I was told if I applied for a Kohls card I would get a discount. I made the purchase and paid the person in cash, and in fact handed the person the exact amount.

however later I found out that not only did the Kohls rep take my cash, but they also charged the card. I only found out about this months later when I received calls from Kohls.

Kohls told me to dispute with the fraud dept which I did.

They made me go to the store to get camera proof, the store didnt help and while all this was going on, Kohls marked me late. 

I then paid off the collection company {$200.00} odd, theyve marked me late 90 days I never even activated the card. Im a frontline health care worker, I was robbed of cash by a Kohls representative and now due to this fraud I have. late payment.

Account information : Balance : {$0.00} Credit limit : {$300.00} Account status : Paid Closed :XX/XX/2019 Demand : I am requesting a deletion of my account from all credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Student loan

My name is XXXX XXXX. My maiden name and name on my loan is XXXX XXXX. My account # is XXXX ( XXXX ) and XXXX XXXX XXXX ( AES ). I began my loan replayments in XXXX. I consolidated my student loans. I was with the lender XXXX XXXX XXXX XXXX XXXX. My monthly payment was set at {$140.00} and I was paying ahead. In I believe XXXX, my account was moved to servicing at XXXX. My monthly payments remained at {$140.00}. On XX/XX/XXXX, my loan was transferred again per a letter. This time to American Education Services ( AES - XXXX # XXXX ). I set up direct deposit, but had to cancel it shortly after I was notified that I had to make the remained of my loan payments in 3 installments with the first payment of {$2000.00} being due on XX/XX/XXXX and it had outstanding interest even though I was paid ahead from when it was at XXXX XXXX had never missed a payment with XXXX. My payoff amount is set at {$5600.00} as of XX/XX/XXXX. I called on XX/XX/XXXX and was told a review would be completed. I was never contacted about the review. On XX/XX/XXXX, I called again and was told my loan term was 15 years and there was nothing to do about the balloon payment. The agent did not look into anything or offer any options. She told me I had to pay. I contacted XXXX via their chat system after to ask about my loan after. The agent said they would send me details about my loan, did not know why my account was transferred, and suggested AES contact them to update their information. I called back and the agent looked up the review and said they determined the loan was a 15 year with a balloon. So no one was reaching out to XXXX further, because of their review. I asked for a copy of my Note. She said it would be sent to me. She offered to put my account in forbearance for 3 months with an option of another 12 months being something to look into after. I am trying to figure out the breakdown on my account. I never opted for an income based loan set up on my original loan and when I consolidated I never opted for that either. How did my fixed loan with a payment suddenly become a 15 year balloon? I feel there is some type of miscommunication or there was some type of fraud done. I feel blindsided and duped with a very convenient servicing transfer that made it so none of the companies are talking to each other.
Product: Debt collection

I have an unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Portfolio Recovery Associates , LLC claims that I owe. I requested that Portfolio Recovery Associates , LLC provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of this supposed debt. I demanded that Portfolio Recovery Associates , LLC remove any and all Tradelines that are reporting on my credit report with XXXX. Their response? They reported it to all XXXX credit bureaus. I 've sent them numerous letters and I 've called them several times. They claim they sent me a dispute affidavit but I never received one. I am extremely frustrated and upset dealing with them as I have been dealing with them for over a year. They are damaging my reputation and preventing me from buying a home considering my credit score is damaged. I have provided a copy of the latest letter that I sent them which they did not comply with as well. The letter I sent them was notarized and I have XXXX other notarized copies if i need to pursue this in court.
Product: Payday loan, title loan, or personal loan

XX/XX/2018 I am complaining about the service that I got from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ( GreenSky, LLC ). XXXX XXXX started in XX/XX/XXXX on our kitchen and finish in XX/XX/XXXX. Now the water faucet do not work proper, it ' second faucet they put in.

We accept their working schedule and understood that there would be days that they could not work, but not stopping and be gone two weeks, come back work one day, then stop work take a other weeks. Our kitchen is not that big, it a small kitchen. The CREW 2 had a bad reputation for working on kitchens.

My wife became ill from the XXXX and frustration, that her kitchen was taken so long to finish, that she have be admit to hospital. She had to cancel dinners and wash dishes in the bathtub.

Yes we have been corresponding with XXXX XXXX  complaint center. Then it get like " passing buck '' to different representatives. Then all communication stop. Ms.XXXX XXXX, the XXXX XXXX representative said as soon as they finish we will be compensation.

I am asking for {$3000.00} be subtraction from my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The CAPITAL ONE failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix this account completely from my Credit Reports : CAPITAL ONE XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : nquiries : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name : XXXX XXXX XXXX XXXX : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB AUTO FINANCE has violated my rights XXXX XXXX XXXXXXXX XXXX XXXXXXXX States I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXXXXXX XXXX  XXXX - Definitions ; rules of construction - Exclusions.-Except as provided in XXXX the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under an - open end consumer credit plan as late for purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why if a security freeze was placed on my report, why or how come the " freeze '' is not being honored? 
Why even offer a freeze to consumers when it does not work? 
Scammers are gaining access overseas quicker and faster than people in USA to my information. 
Why is America so far behind in computer access for information. Stop exposing consumer credit reports so much to the outside world for jobs, and credit lines.

Mine looks a hot mess. 
Companies that I do not authorize are pulling my credit file to always sell me something that I do not need or ask for. Stop this XXXX XXXX. 
Anyone can get my information quicker and faster than I can. XXXX, everyone is afraid that I will make a million dollars or something I guess. This credit report is like a XXXX criminal record to me. How can I get it expunged and wiped clean for a new slate?
Product: Credit reporting or other personal consumer reports

Subject : Unlawful Credit Reporting and Demand for Action In Accordance with Ohio FCRA Identity Theft Fraud Laws Dear SOURCE RECEIVABLES MNG, I am reaching out to address a serious breach concerning the unauthorized dissemination of my personal information to credit reporting agencies, in direct violation of Ohio 's Fair Credit Reporting Act ( FCRA ) statutes pertaining to identity theft, as well as other pertinent laws.

It has come to my attention that SOURCE RECEIVABLES MNG has been reporting information to my credit file without procuring my explicit consent. According to Ohio FCRA identity theft fraud laws, particularly sections XXXX, this action constitutes a flagrant infringement on my rights. 

Moreover, Ohio FCRA mandates that consumer consent is imperative for any such reporting activities, as outlined in section XXXX. The failure to obtain my explicit permission prior to reporting is a clear transgression of state law. 

I assert unequivocally that I have not granted SOURCE RECEIVABLES MNG permission to disseminate any information to my credit report. This glaring lack of consent represents a direct violation of my rights and could potentially harm my creditworthiness.

Therefore, I demand that SOURCE RECEIVABLES MNG cease all further reporting of my information to credit agencies without my explicit consent, as mandated by Ohio FCRA identity theft fraud laws. Failure to comply within a 30-day period will be considered willful noncompliance and will be met with appropriate legal action, including penalties under Ohio state laws.

It is imperative to understand that obtaining consent is not optional but a legal requirement under Ohio FCRA identity theft fraud laws. This is not a negotiation ; it is a demand for adherence to both state and federal regulations, which safeguard consumers like myself from unauthorized and damaging credit reporting practices.

I expect immediate action on this matter from SOURCE RECEIVABLES MNG, demonstrating compliance with Ohio FCRA identity theft fraud laws and rectification of these unlawful actions.

This communication is made in good faith, with the expectation of prompt resolution.
Product: Debt collection

I received a bill for {$180.00} from Enhanced Recovery Company , LLC trying to collect for a debt from XXXX XXXX XXXX, XXXX. I have not used XXXX in probably XXXX years, and closed all accounts properly at the time and have not received any bills from XXXX ever since closing my account with them.
Product: Mortgage

I made a payment of XXXX for my XX/XX/XXXX payment and freedom mortgage and there is an option to pay a late payment that im not obligated to pay now of XXXX. Instead of applying my payment to my mortgage, they applied it to that despite my selection. That was on XX/XX/XXXX and now it is the XXXX. The issue still hasnt been resolved. Freedom mortgage makes me jump through hoops to make payments every month. They also keep asking about a repayment plan that was paid off earlier that month. Not to mention they just hang up on me.
Product: Credit card or prepaid card

I FILES FOR CHAPTER  XXXX  PROTECTION IN   XX/XX/XXXX  . PAID INTO THE PLAN FOR 5 YEARS AND WAS  DISCHARGED  IN  XX/XX/XXXX . THE BANKRUPTCY FELL OF MY  XXXX  CREDIT REPORTS IN   XX/XX/XXXX . I HAVE A AMEX CREDIT CARD WITH A LIMI T OF  XXXX  WHICH I KEEP PAID OFF. I APPLIED FOR A   XXXX    AMEX CARD ON   XX/XX/XXXX   AND WAS DECLINED BECAUSE THEY SAID I FILED FOR A BANKRUPTCY. THERES NO COLLECTIONS, BANKRUPTCIES OR DEROGATORY MARKS ON ANY OF MY REPORTS. I BELIEVE THEIR HOLDING A OLD BANKRUPTCY AGAINST ME TO NOT EXTEND CREDIT TO ME AND THATS WRONG. THANKS I MIGHT ALSO ADD THAT THEY NEVER PULLED A COPY OF MY CREDIT REPORT EITHER TIMES IVE ASKED FOR CREDIT WHICH HAS BEEN A FEW TIMES. I HAVE ALERTS WITH   XXXX   AND THIS IS THEIR CREDIT REPORTING AGENCY OF CHOICE.
Product: Checking or savings account

Hi! On Saturday XX/XX/XXXX I want to my branch in XXXX tx to deposit XXXX the atm took ALL the money but I still missing XXXX dollars. I told the lady in the bank and she told me to call. I called at the exact the same moment and did my claim. The guy in the phone made the claim for XXXX which is wrong. Cause I see some money in my count but Im missing XXXX. 
I already made XXXX phone complaints and both were denied. Im overseas now so I can not go in person again. 
The last time I called the customer service representative gang on me. 
I looked online and this same issue happened to many people before. 

The deposit was inside the bank in business hours. 
Im honestly can not understand how the case refused to give my money back. 
FYI I have my accounts and credit cards for them for years. 

My credit score is XXXX. 

The bank should have cameras that should the ATM returned bills to me twice and I put everything inside again. 
When the day finishes it must be XXXX dollars extra that they are mine. 

Please help me with these cause I really need the money. 
I tried exposing them un XXXX too but since I dont have many followers it didnt work.
Product: Debt collection

I was contacted by mail about a debt on XXXX XXXX. I responded to the message via mail on XXXX XXXX. In that message I authorized the company to communicate with me via mail and no other means as is my right per FTC regulations. I received a letter in the mail dated XXXX XXXX. This was a response to my previous communication in which Medicredit recognized that they had received and understood the communication. I received a phone call from XXXX XXXX XXXX XXXX ( which is the phone number of XXXX as listed on their communications ) on XXXX XXXX  regarding the collection of the debt. This phone call was made after the company had received my explicit request to cease communication other than that through mail. I believe this to be a violation of the The Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

Repeated transactions declined for suspected fraud activity but transactions are valid and authorized ( 4> in 24 hrs ). No history of claims for fraud on account. Verified transaction by phone but more transactions blocked in subsequent 24 hours. Received email saying to call XXXX but was advised that nobody could resolve the issue.