23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 Kohl's/Capital One pulled my XXXX credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from Kohl 's. On XXXX XXXX 2017 I sent a letter to XXXX ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX 2017 I received a fresh report from XXXX ( Report number:XXXX Dated XXXX XXXX 2017 ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX 2017 at approximately XXXX EDT I called Kohl 's Credit Department at XXXX. Their automated system confirmed that my SSN was not  in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with XXXX. Of course, I informed her I had already done so and they had referred me back to Kohl 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in Kohl 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on Kohl 's part. However, I still need Kohl 's to correct their error and remove this erroneous inquiry from my XXXX  credit report so that future creditors will receive an accurate picture of my financial dealings.
Product: Checking or savings account

On XX/XX/XXXX I got an alert that XXXX was being deducted from my bank account by XXXX XXXX I did NOT authorize this transaction! I called chime immediately and told them XXXX somehow stolen my bank card information and updated it into their database, then proceeded to make an unauthorized transaction from my account. I also emailed chime alerting them of this as well. Yet my money is still not back in my account why do I have to fight for MY MONEY? I worked for my money! If I'm telling my bank that the transaction was unauthorized why do I got ta prove that it was unauthorized clearly I do Not dispute every single transaction that I make but with this particular transaction I am disputing it because my banking information was compromised and funds stolen out of my account due to an illegal unauthorized transaction. Yet chime still allowed my money to be stolen illegally.
Product: Credit reporting or other personal consumer reports

I spoke to a representative at Equifax in the beginning of XX/XX/2024 and sent in a letter to dispute items on my Equifax report. There are several things negatively affecting me and making it extremely difficult to get funding or approval for anything. In my letter to them I advised them I wanted my accounts updated to paid as agreed which is my right per US Code 1681b - Permissible purposes of Consumer Reports. I never gave them written permission to post or publish anything on my credit report. US Code 1681b a. ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax also violated my right to opt out of my private information being published per USC 15 6805 & 15 USC 6803- Disclosure of institution privacy policy.
Product: Consumer Loan

Wells Fargo Bank Auto Finance agreed to cancel two scheduled payments forXXXX XXXX and XXXX XXXX, 2015 in response to Consumer Financial Protection Bureau case # XXXX. Instead, they collected {$1300.00} through bankadjustment from my Wells Fargo checking account.
Product: Student loan

On XX/XX/XXXX, I was informed I had an account in collections with Regional Adjustment Bureau since XX/XX/XXXX. I was never made aware of this loan or this debt upon leaving the school.This debt was sold to RAB from XXXX XXXX XXXX. I attended this school in XX/XX/XXXX and was unaware of this loan. I was aware of the XXXX XXXX, but no additional loans. This debt has not appeared on my credit file and when I spoke with XXXX from RAB on XX/XX/XXXXand asked him to verify the address and the phone number they had on file for me, he gave a relatives address in which I have never shared and a phone number which belongs to an old friend, that has never belonged to me. I then requested verification of this debt so I could rectify it and restart with the school, I received something other thanverification and have been receiving 5 or more phone calls a day and voicemails that are 3 minutes long  where the representative is not talking but I am able to hear the other agents in the background talkin to other customers, I am able to hear the a rep in the background verifying another customers information, and further requests for verification of this debt have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are 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 and needs to be removed. My CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX  and XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

I already submitted similar complement before. However problem was not resolved comptly I want free to be reimbursed for all periods not just one month because it is not due to banking error but misrepresentation. 
I also can resolve all your Bank problems if you make CEO of your company or I will make your bank public institution
Product: Credit reporting or other personal consumer reports

UPLIFT  REINSERTED THE ACCOUNT ON MY XXXX REPORT IN XXXX, NO LATE PAYMENT NOR ACCOUNT VERIFICATIONS WERE PROVIDED TO ME REGARDING DELINQUENCIES AT ALL!!! 

IWANT THIS REMOVED IN ADDITION THEY ARE NO LONGER UPLIFT BUT FLEX PAY!! THIS ACCOUNT WAS PAID BEFORE IT WAS CHARGED OFF, I CALLED THE WEEK OF XX/XX/year> after I paid of the amount that was charged off and the representative said he was able to reserve the charge off status. I WANT THIS GONE NOW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to myequifax.com to request a free credit report and after entering all identity data correctly, equifax generates a nonsense message to call them. When you call the number provided they say to do it online.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a formal dispute I submitted to TRANSUNION, XXXX AND XXXX regarding inaccurate information reported on my credit file. The initial dispute was submitted on XX/XX/year>, and I have not received a response or resolution within the required timeframe as outlined under the Fair Credit Reporting Act ( FCRA ). 

The disputed account details are as follows : XXXX, XXXX XXXX, XXXX, DEPTEDXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that reporting on my credit thats not mines and old information over 7 years that's no mines as well. I really need help I received a letter from XXXX account XXXX stating they will delete the account if I pay 50 %. I said no because its not my account. I believe the system is designed to hold you back and make money from the consumer. Accounts not mines reporting on my account. 
XXXX XXXX acct XXXX XXXX card XXXX year XXXX XXXX XXXX positive XXXX, negative on XXXX year XXXX XXXX XXXX not mines and it has XXXX XXXX. year XXXX XXXX   XXXX XXXX XXXX closed XXXX XXXX XXXX XX/XX/XXXX XXXX not mines XXXX the XXXX XXXX XXXX not mines don't know where it came from
Product: Credit card or prepaid card

I couldnt pay monthly bill because I was sick with XXXX I offered to pay XXXX a month but they did not take offer now they call and text 5-6 times a day also called my job and told my buisness to coworker
Product: Debt collection

For several months now, I receive multiple calls a day from Synchrony Bank requesting to speak to my name. They will not disclose the nature of their call as I am not willing to confirm my identity & they state they can only speak to my name. I have asked them repeatedly to stop calling my number and put whatever it is they are calling about -since they will not say - in writing. I consider this harassment and have told them so. They keep calling. Calls appear to be from XXXX.
Product: Credit reporting or other personal consumer reports

I never open up this khols account. This account shows multiple different open date from all three-credit bureau. This inaccurate information falsely manipulates the statute of limitations you fail to investigate this account properly after I ask you to do it twice you all have neglect and violated my rights. I am demanding a deletion of the following account XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, expedian and XXXX are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from expedian letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONW STOLE MY INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME, THEY EVEN WENT SO FAR TO PAY ON THE ACCOUNTS UNTIL I REPORTED IT TO THE FTC AND THE XXXX POLICE REPORTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED : XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX   OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX USA OPENED XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax let my credit report information get stolen.
Product: Credit card or prepaid card

The XXXX XXXX XXXX card that is a Bank Of America prepaid card ; would have an atrocious customer service team. 

I have been waiting for months and months ; since last year for my backpay unemployment pandemic benefit. 

It is is very much challenging and all that NJ Dept Of Unemployment Insurance ; as well as Bank Of America can do is play games with a nice woman as myself. 

They owe me way more than {$3000.00} and then to take away my benefits where I am left even more stranded... .would be cruel and harsh treatment. 

Additionally ; I have permanent XXXX  injuries and to go through this aggravation is not fair and its not deserving. 

I will have to stop using business services and their companies ... .if they continue to hire incompetent, jealous haters aka cancel culture groups that have no idea that what they do ; will come back at them even worse. 

I am still waiting for my good karma. Its not a higher spiritual being that is blocking my good karma... .its evil people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Payday loan

About 3 weeks ago I received an email saying my loan was pending with castlepayday. I ignored. Within the hour another email arrived saying the loan had been approved. I called the number in the email and told them I never applied for a loan, the agent said it was just an offer. I proceeded to delete the emails. On XX/XX/XXXX I noticed that castlepayday had deposited {$900.00} into my checking acct. I called my bank, XXXX, and asked what to do. I also filed a complaint with the FTC and contacted an advocacy group. At this time I had no idea how to contact CPD however in the meantime XXXX was watching my account and did a stop payment so castlepayday could not takeany money out of my account as a precaution. XXXX also made arrangements to return the money to CPD as soon as it finished processing. 2 days later the loan processed. I now had a contact number for CPD and called them and told them I never applied for a loan and they would receive the funds of {$900.00} back within 5 business days. I spoke with a XXXX, supervisor, who assured me they would not take any money from my account and would close this and erase me from their system. On XX/XX/XXXX castlepayday.com withdrew {$310.00} from my checking account. The name now included .com and the system only knew to do a stop payment on Castlepayday not castlepayday.com. XXXX has been contacted again and explained to me how CPD got around my account. I called CPD and requested the money to be returned since they were never authorized to take money from my account. CPD kept insisting that they needed to verify the funds were removed by talking to my bank or checking with my online banking or having me send them a bank statement. I refused all XXXX since they already have this in their system. I told them I was not going to give them any additional information since they had what they needed to get into my account. For some reason they kept insisting they needed the info so I asked for a manager since the agent was n't getting that they have the information including my {$310.00}. A manager named XXXX finally got on the phone and she requested the same info I told her know that they already have it so she is suppose to contact their research team to look into this and get back with me on XX/XX/2015 in the meantime my bank is blocking them from having access to my account under CastlePayday.com. I have no idea how they got my banking information or what gives them the right to take money from my account without my permission.
Product: Mortgage

My monthly mortgage payment is {$1700.00}. XXXX , XXXX, as sub-servicer for Nationwide Mortgage Bankers , Inc., received a partial payment on XX/XX/2022 in the amount of {$820.00} and properly credited this to the Suspense Account, as partial payments are not allowed under the terms of this loan 's servicing. The following day ( XX/XX/2022 ), however, the servicer unilaterally and without notice applied this payment as a principal-only payment instead, without my advice or permission. Upon contacting the servicer, they indicated that partial payment money can not be held in the suspense account and incorrectly claimed that servicers have the right and obligation to apply suspense however they see fit at any time. This interpretation contradicts the express meaning, purpose, and operation of the suspense account as described in Regulation Z at 12 CFR 1026.36 ( c ) ( 1 ). Mortgage servicer has subsequently agreed, at my request, to reverse their " principal curtailment '' action and merge the {$820.00} partial payment instead with the other {$910.00} in partial payments subsequently received on XX/XX/2022 into the suspense account, and then appropriately apply the combined amount of {$1700.00} towards my XX/XX/XXXX payment, albeit posted on XX/XX/XXXX despite the fact that the remainder of the payment was actually received on XX/XX/XXXX. No late fee was charged in this case since I brought the issue to their attention during the 15 day grace period.
Product: Debt collection

Continued attempts to collect debt not owed. Account was removed from my credit report on  XXXX   XXXX  , 2017 and was placed back on my credit without my knowledge. I do n't have a contract with National Credit Adjuster 's and this debt is not owed. A complaint will be made to the BBB if this is not removed. The address you have tied to the account in question is one that I ha ve never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX, ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 

Remove the account XXXX XXXX  number XXXX i did not give consent or permission to furnish this on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX
Product: Credit reporting 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 # 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 : 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 or other personal consumer reports

XXXX is intentionally committing fraud. They are intentionally putting false information on consumers credit report. I have never lived in New York. Theyve put a false debt, from a company thats not located in New York, on my credit report. This is a XXXX party debt collector attempting to extort money from me with a false debt. I do not owe this company or any company this money. XXXX must be shut down and all its employees terminated. This is the only solution. XXXX staff understands that the XXXX administration doesnt care about this agency and will be shutting it down. No ones protecting consumers. XXXX is trash. This agency is untrustworthy.
Product: Credit reporting or other personal consumer reports

I applied for a card with Comenity Bank. I received a letter stating they could not access my XXXX report despite it being unlocked. I called and, without my permission, they pulled my report again. They stated that didn't work either and they still couldn't access my report, so they couldn't process the application. None of this was true as they made two hard inquiries on my account without processing my application. I want these inquiries removed as Comenity operated without my permission to pull one and claimed they couldn't access my account on the other, when they obviously did.