23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As a holiday incentive, Kohls offered an additional discount for items purchased during the XXXX holiday season. I accepted the offer, provided all required personal information for the credit card request including phone and email, made a {$210.00} purchase in XX/XX/XXXX and paid the amount in full on XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I moved to a new address and informed all creditors in advance or upon receipt of forwarded mail. We diligently and consistently visited our prior post office for several months after our move as recommended by our new post office as a preemptive action. We responded appropriately to any sender of our new address as necessary ( i.e. insurance companies, magazines and other appropriate companies ). After our payment of our XX/XX/XXXX purchase, we did not receive any credit card billing information or statements from Kohls. 

On XX/XX/XXXX, a {$49.00} purchase was made at our local Kohls store. While we continued to receive Kohls emails and other promotional mail after our move, we did not receive a monthly bill for the XXXX XXXX purchase. And, neither my wife nor I use department store cards as a regular payment means, but I did confirm today from XXXX, a Kohls credit card agent ( # XXXX ), that we apparently used our Kohls card for the {$49.00} purchase. 

On XX/XX/XXXX, we received a notice from XXXX XXXX that a charge-off amount of {$330.00} was reported to credit reporting agencies due to our failure to pay a debt. I immediately contacted the XXXX XXXX XXXX unit and was told that if it was my responsibility to contact Kohls for any information.

I would expect that Kohls would have received notice of a change of address and the appropriate bill would have been received and paid for the {$49.00} purchase. The past due interest, late fees and compounding amounts that drove the balance to {$330.00} is very unfair and my credit score has been reduced by over XXXX points ( from XXXX to XXXX per XXXX ) due to XXXX XXXX account servicing failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX   XXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}
Product: Checking or savings account

On XX/XX/23, I performed a deposit for {$300.00} in {$20.00} bills at the Wells Fargo ATM in XXXX NY XXXX. While performing the deposit, the ATM short circuited after taking my money. I was given a receipt that stated the deposit would be processed at a later time due to the malfunctioning ATM. I have no received the money and the representatives have been unhelpful in resolving my claim.
Product: Checking or savings account

I had filed a joint tax return and the check, for {$5300.00}, was made out to me and my wife. She is out of the country and because of marital problems she probably won't come back here. I tried to deposit the check in my account at XXXX  and they would not accept it without her being here. I also tried to open an account at XXXX XXXX but it was the same with them. I was assigned a taxpayer advocate by the IRS and she said that Chase Bank would accept it as a third party check. I called Chase on XX/XX/2019 to confirm and they did. I have them all the information about the check and they said they would take it without a problem. I opened an account at Chase on line later that day. The next day, XX/XX/XXXX, I went to a nearby branch to make the deposit. I double checked with a man I think was a manager to confirm they would accept the check and he confirmed they would so I made the deposit. The next morning I had an alert on my phone that my account was overdrawn by the amount of the check and my account was restricted and would be closed soon. I called Chase right away to see what happened. I was told that my wife would need to confirm that the check be deposited in my account ( we don't have a joint account ) and that they would not release the funds without her approval. I was told by the first few people I spoke to that if I could give them a US phone number issued in her name so they could call her to confirm. She is in XXXX and I'm not sure it is possible to get a prepaid SIM card I could send her, but the woman I spoke to at the CFPB said I should try. I have been working with a woman, XXXX, in Chase 's executive office to try to resolve this. Her number is XXXX ext. XXXX. It is urgent that I have access to this money as I am currently unemployed wait for SS XXXX, but at present I have no income, and rent is over due. I have been borrowing from family and friends and thought I would have the finds by now. I hope there is something you can do. I feel I have been robbed of this money. I was told they will hold it for 2-3 yeas and then release it to the state and I will be able to collect it as unclaimed funds. This doesn't seem acceptable. If their loss prevention department has decided not to release the funds to my account they should return them to me. XXXX is working on this, to get them to write me a new check, but she doesn't sound very confident when I speak with her. I hope you can help. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a phone call from a debt collector threatening to take legal action against me. She advised me that if I did not pay the amount owed, that a warrant would be issued for my arrest. She is using empty threats to collect a debt.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$22000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; XXXX XXXX XXXX XXXX {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XX/XX/XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Checking or savings account

I have both a business and personal account at Bank of America. I have had accounts with Bank of America for over 25 years. The business account is XXXX XXXX and XXXX XXXX XXXX XXXX and the personal account is XXXX XXXX XXXX. 
XXXX. On XX/XX/2023 {$6900.00} was fraudulently transferred out of my business account to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. This person is not known to me and the address is a rundown property in foreclosure. The transfer was not discovered until XX/XX/2023 at which time the Fraud Dept. at BOFA was called and a complaint was filed. No 'recipient added ' notice, nor the code notices were received for the fraudulent person and the transaction. I followed all instructions from BOFA about changing passwords, etc., when instructed that day. 
Paperwork was sent to the Fraud Dept XX/XX/XXXX, XXXX It was Denied. Paperwork was refiled after a police report was made. 
2. Another attempt was made to transfer {$10000.00} on XXXX XXXX. I received a notification and called the bank and the Fraud was stopped. 
3. Personal Saving account- On Friday XX/XX/2023 I checked my balance which was {$10000.00} in the morning before running payroll. I deposited several checks into my business account and went back into the account on my computer to pay payroll. My saving account showed {$1100.00} and that {$9500.00} had been transferred out to a XXXX XXXX. I immediately called BOFA to stop the transfer, they said the best they could do is file a claim. I did not receive again the notice of 'Recipient ADDED ' or that a transfer had been made, which is what happens when a transfer had been made. The funds transferred back into my account on Monday, XXXX XXXX at which time BOFA did a FORCED DEBIT to the fraudulent account even though the account had been locked down on the previous Friday. The Fraud complaint has never been responded to to date. 
TO DATE : I have not had any of my funds returned to me. It is apparent that Bank of America 's online system is not secure and can easily be overridden. Bank of America is uncooperative in responding. Calls are made to follow up on the Fraud, and you are kept on the phone for over an hour as you are transferred from one person to another. Please advise what to do. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Again this debt appears on my 3 credit reports when it was al ready disputed and removed due to inaccuracy and unverified.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed the following information are listed in error. The FERA states that the only permissible purpose for pulling someone's credit report is A ) firm offer of credit B ) c insurance C ) employment or D ) a court order The following inquiries are related to none of the aforementioned permissible purpose XXXX XXXX XXXX  -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Product: Checking or savings account

I have a Spend Account with Credit Karma. My entire payroll check is directly deposited into my account and my account has been frozen. I have contacted customer service who tells me my account is " under review '' but can not give me a reason why or a number to contact to determine the issue. Customer service also informs me that I am able to use my debit card but I can not. I also have an auto payment which came back as account frozen. No one knows what the problem is and I have no access to my money. I have rent and car payment due and can not make any payments or withdraw money. I am attaching the last email I received from them. It indicates I am trying to open an external account which I had not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX/XXXX  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX  with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

I had been victim of ID theft, and therefor two XXXX XXXX XXXX accounts were opened under my name with out my knowledge ( FTC attached shows all the account numbers and the opened dates and the amounts ), and my credit was screwed beyond my imagination that such thing can really happen. i have tried to call the creditors and also the bureaus experian who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing experian XXXX and XXXX. please have these fraud accounts removed from my credit file thank you and XXXX bless you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. I HAVE TO DATE RECIEVED NO PROOF THAT I OWE SAID COMPANY ANY DEBT. ITS HAS NOW BEEN OVER 30DAYS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020
Product: Money transfer, virtual currency, or money service

my name is XXXX XXXX XXXX  residing in XXXX Ga. on the XXXX/XXXX/XXXX i sent money to my wife in XXXX, specifically to cross river state, XXXX. the amount was {$800.00}. through MONEYGRAM WITH THEIR AGENT, THE XXXX STORE AT XXXX XXXX XXXX XXXX, GA XXXX. THIS TRANSACTION HAS BEEN DONE ON A REGULAR BASIS, MONTHLY, AND THE MONEY WAS ALWAYS PAID AT XXXX XXXX  XXXX XXXX IN THE CITY OF XXXX. ON THIS PARTICULAR TRANSACTION, THE MONEY WAS NOT PAID TO MY WIFE WHEN SHE WAS IN THE BANK ON XXXX/XXXX/XXXX BECAUSE THIS TRANSACTION DID NOT EXIST AT ALL. THE CASHIER AT THE XXXX XXXX XXXX XXXXXXXX CALLED MONEYGRAM AND LEFT AN ERROR CODE WITH THEM. I THEN RUSHED ON THIS SAME DAY ( XXXX/XXXX/XXXX ) TO XXXX TO REPORT THE PROBLEM. I WAS TOLD THAT AN INVESTIGATION WAS STARTED THAT WOULD TAKE 90 DAYS TO RESOLVE. OVER THE COURSE OF THIS PERIOD I HAVE CALLED MONEYGRAM UP TO 40 TIMES FOR A RESOLVE WHICH THEY ALWAYS TOLD ME THAT THE CASE HAS BEEN RESOLVED BECAUSE MY WIFE HAD COLLECTED THE MONEY. I INSISTED THAT IT IS MY RIGHT TO KNOW THE LOCATION WHERE THE MONEY WAS PAID, WHAT BANK AND THE NAME OF THE CASHIER WHO PAID THE MONEY AND TO WHOM. JUST ABOUT LAST WEEK THEY NOW TOLD ME ON THE PHONE THAT THE MONEY WAS PAID TO MY WIFE 300 MILES AWAY FROM THE USUAL CITY, AND PAID FROM A BANK THAT MY WIFE THOSE NO HAVE AN ACCOUNT IN, AND THEY REFUSED TO GIVE THE NAME OF THE CASHIER THAT PAID THE MONEY OR TO SEND ME THE INFORMATION IN ITS ENTIRETY. THE MONEY THEY SAID WAS PAID FROM XXXX XXXX IN XXXX XXXX, IN THE CITY OF XXXX, THE ADDRESS BEING XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX. MY WIFE IS 300 MILES AWAY. SHE IS IN XXXX XXXX. HER BANK IS XXXX XXXX XXXX XXXX AND THIS IS WHERE SHE USUALLY RECEIVES THIS MONEY ON A MONTHLY BASIS. I THEN PROVIDED MY WIFE WITH THE INFORMATION MONEYGRAM GAVE ME AND SHE CONFRONTED AN XXXX XXXX IN XXXX WHERE THEY TOLD HER TO GET THE NAME OF THE CASHIER WHO PAID THE MONEY AND THAT OF THE RECEIVER. THIS IS THE CRUX OF THE MATTER. MONEYGRAM HAS REFUSED TO GIVE ME THIS INFORMATION AND ALL THEY TELL ME IS THAT THE CASE HAS BEEN CLOSED. THEY LAUGH AT ME ON THE PHONE AND END CONVERSATIONS ABRUPTLY.PLEASE I NEED HELP TO RESOLVE THIS MATTER BECAUSE MY WIFE AND OUR XXXX CHILDREN ARE SUFFERING. MY PHONE # IS XXXX
Product: Debt collection

I rented a two bedroom apartment at XXXX XXXX XXXX   ( XXXX XXXX ) in XXXX, VA from XX/XX/XXXX - XX/XX/XXXX. I moved out in XX/XX/XXXX & continued to pay the lease until XX/XX/XXXX. When I returned the keys, management charged me {$990.00} for pet damage to the carpet ( The maintenance man pulled the carpet up and decided there were stains underneath of the carpet. ) I have photos of him doing this. I have never had a pet and have signed affidavits attesting to that fact. I subsequently took XXXX XXXX  to civil court in XXXX County, VA and on XX/XX/XXXX judgement was entered on my behalf ( case # XXXX ) and XXXX XXXX  ( XXXX XXXX ) sent me a check for my security deposit. Hunter Warfield ( a collection agency ) has been calling me for the last 2 years trying to collect the {$990.00}. I've sent letters to Hunter Warfied and XXXX with documentation explaining that this was adjudicated in a court of law. ( I have copies of all letters. ) I can not get Hunter Warfield to understand this debt is not owed. I can not get XXXX to send Hunter Warfield documentation saying I do not owe this debt. This has affected my credit rating.
Product: Debt collection

This is not a valid debt. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$62.00} ; DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF EDXXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Money transfer, virtual currency, or money service

Wells fargo closed my savings account. I live in XXXX. Money not received, trying since XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXXXX/XX/XXXX {$18000.00} These above accounts where involved in identity theft and and not mines I was incarcerated
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX/RESURGENT CAP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity  theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX/RESURGENT CAP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX