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

I recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX/XXXX Date of request XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
KOHLS/CAPONE Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX
Product: Debt collection

I have told them they are calling the wrong number repeatedly. They keep stating they have the right number stating I owe for a loan. I do not drive, nor do I take out loans. They keep finding new numbers to call from. This is beyond harassment. Not only that but the most recent calls they just stay on the phone. They don't know this but I have caller ID so I know its them. I've also had times they would not get off the line. We need our line to be open since more than one person in our household has serious health issues and they could turn deadly.
Product: Debt collection

According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rightsXXXX with the account number XXXX was paid as agreed on time. I was never late on this account. I tried disputing this account multiple times now but XXXX and Equifax still reported it as NEGATIVE on my current or new report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXXXXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit card or prepaid card

No action to restore my JCP store credit card has been taken to date ( XX/XX/XXXX ). 

Synchrony Bank sent me an upgraded store credit card to include MasterCard services without my request or consent. I confirmed ( XXXX ) with a Synchrony Bank supervisor that JCP store card holders are randomly selected to receive MasterCard services and new cards are automatically sent without request. Synchrony Bank does this because the MasterCard is rarely offered in the store, according to the supervisor I was speaking with on XX/XX/XXXX. I explained that I thought what I received was a replacement card for my store card and wanted master card canceled and the store card credit account restored. Synchrony informed me that because the card was activated, this was no longer possible at the time of the request. I would have to go into the store and re-apply for the store credit card. This was unsatisfactory to me because the store credit card won't issue a new card for up to 1 year after closing the store credit account - which is what happens with the JCP MasterCard authorization I did in error thinking it was just a replacement card for the store credit card. The account numbers between store credit card and JCP Mastercard services addition remain the same account numbers, which is why we think I thought I just got a replacement card, when in fact JCP Mastercard is opened when we activate the unsolicited card. They will need to look at the account history closely because a replacement card was issued after the switch to include MasterCard occurred in XXXX due to removal of an authorized signer that required I report the card lost/stolen to get a new account number. They need to review the XXXX card history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, XXXX XXXX {$750.00}. # 4.XXXX  XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Product: Prepaid card

On XX/XX/2024 I purchased XXXX ( XXXX ) {$XXXX} XXXX XXXX from XXXX 's supermarket. These gift cards are distributed and serviced by XXXX XXXX XXXX. When I tried to use these gift cards I was given an error message and was unable to use the cards. I tried several times and have never been able to use them. 

I first started talking to XXXX about my issue with my gift cards on XX/XX/2024. At that time they gave me a case number - XXXX. They also asked me to email them copies of the cards, copies of my receipt, a copy of my drivers license and a utility bill. I emailed all of that information to them on XX/XX/XXXX. 

I have now called XXXX several times to try to resolve this, including on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Despite my calls, they are just giving me the run around. They claim they " escalated '' my issue but every time I call they tell me they don't have an answer and to call back in a few days. Please help me!
Product: Debt collection

i reach out to DIVERSIFIED CONSULTANTS reguarding them reporting a debt to my credit report with a complete different social security number, had to call over three times to get the account info so i can call the creditor also was blind transfer to a manager voice mail.who was previous rude as XXXX, without a care in the world.everytime i try to make me pay for another account that was closed out for fraud already in a different state i dont live in..worst experience i every had dealing a collection agency.also i never recvd any calls nor validation of the debt know as validity to dispute this matter before reporting this matter as all..
Product: Mortgage

First, we were XXXX customers that happened to be swallowed up by the bailout and ended up a victim with XXXX. With that being said, we've been battling with its numbers subsidiaries since XXXX - XXXX, XXXX and XXXX XXXX, now XXXX and XXXX ( XXXX 's vendor attorney ) and subsequently XXXX XXXX and Loan Care. 

In XXXX XXXX took over our loan in XXXX and " lost '' our first payment and the problem began. We did not have these issues with XXXX. But, the constant reallocation and the massive fees that did not comply with the terms of our note, the HOA fees, ( we do not live in a HOA ) the establishment of escrow when we have a waiver, adding insurance when we have insurance, yet no insurance was ever paid on our account, the countless infractions, misallocations, misappropriations, constant reallocations just to make sure money would not be allocated to our monthly payment to ensure more fees was exhausting. We always paid more than what we owed. We made significant payments of {$90000.00} principal payments that were never applied properly that took months to correct that cost us thousands in interests and yet none of the servicer 's are actually capable of auditing our account to rectify where our money was actually applied. 

Now, XXXX sold it servicing rights in XX/XX/XXXX to XXXX XXXX XXXX. And, XXXX sold its servicing rights again to XXXX XXXX XXXX  in XX/XX/XXXX. When I brought this to the attention of XXXX XXXX  XXXX when they tried to fast track a foreclosure on our properties for XXXX in order to secure assets for XXXX 's bankruptcy proceedings. XXXX XXXX XXXX still has not responded to any of our correspondence. Neither has XXXX, XXXX XXXX, or Loan Care. Truth be told it seems none of these companies seem to actually service our loan. They seem to just take our money and not apply it to our account.
Product: Debt collection

My account was transferred to Transworld Systems XX/XX/XXXX from XXXX XXXX XXXX. Account # XXXX. The reason for my complaint is that they will not send me monthly statements of the debt. The reason being because they are not a billing coming and the longer I wait to pay the debt it is incurring weekly interest. The last statement I recalled I received was from XXXX XXXX XXXX before turning over to the collection agency there was a balance of {$820.00}. Now I have a balance of {$890.00} as of XXXX/XXXX/XXXX. When I spoke with a representative XX/XX/XXXX I explained that I can only making payments of {$10.00} a month/ I explained to them that I had been XXXX twice in XXXX and having a difficult time make full payments due to several other deductibles I am paying to others. I was told they can not make a formal payment arrangement with me unless I agree to pay {$36.00} a month to stop interest from accruing and at that point they can send me statement. But earlier I was told they can not send statements. I believe this is unfair collection efforts, how can they charge weekly interest on a debt that was sent to them by XXXX XXXX XXXX in which they never charged interest. I would never get this paid off. The debt keeps going up and up. In the meantime they are continuing to cash my {$10.00} checks. I refused to send them anymore payment until I get a running balance of what I owe and I want the interest to stop. This is clearly a UDAAP violation. Please assist me in getting this resolve. I want the balance verified that was transferred from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have attached my affidavit from the ftc website.
Product: Prepaid card

I am a Paypal card holder and was using my account to deposit and withdraw my small online slot game winnings given that the slot game offers Paypal as a form of payment. Paypal has now permanently limited my account to the point where I can not withdraw my money or removed a debit card that I had linked to the account. I both verbally verified with them that I am not a buyer or seller of anything as well submitted online the purpose of the transactions. I feel I have been treated like a common criminal by Paypal. 

The Customer Service agents are of no help whatsoever. I have been told that I have to wait as long as 180 days before I can even consider trying to get my money. 

Any help would be appreciated. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries was supposed to been removed and is still showing. This is on my Experian report which I pay monthly for. 


XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX date XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XX/XX/XXXX-Inquiry date XX/XX/XXXX-Removal date Bank Credit Cards XX/XX/XXXX, XXXX XX/XX/XXXX BYMAILONLY
Product: Debt collection

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Debt collection

I have spoken to someone from Check & Go in the past & told them that the account was not mine, I did not apply for a loan, the information they had on me was not mine. I asked them several times to remove it. I did not find out they referred the account to an collection agency until I applied for a housing loan & was denied due to the collection agency XXXX XXXX XXXX being on my credit report. I had no knowledge of this collection agency or any contact information to call/email them. I filed a XXXX compliant on XXXX XXXX XXXX XXXX XXXX collection agency. I received a response from them within 2 days. XXXX told me they reached out to the credit reporting agency back on XX/XX/2021 that the account was closed in their office & remove the account from my credit report. They agreed to send a second notification to the credit reporting agency to remove account from my credit report. With that being said I would like to file a compliant on Check & Go, XXXX XXXX XXXX XXXX XXXX & the credit reporting agency. I lost money applying for a housing loan & being denied due to this negative account on my credit report. I have to start the whole process over again. This is not fair. Something should be done about these companies causing problems like this.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to notify you that I was harmed by incorrect credit report details and I write to dispute these items in my file resulting from this matter. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from the inaccuracies in my credit profile : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4000.00} ================ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$1100.00} XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance Owed : {$4000.00} ================ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$680.00} XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1900.00}. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

I have been an American Express Platinum  Delta SkyMiles card user for 15+ years with an average card spend of $ XXXX/year while paying the $ XXXX/year annual membership fee. Yet Amex did not treat me fairly or equitably. 

I always pay off my entire balance each month and in all these years, I had never had a late payment! Never that is, until about 7 months ago when I decided to sign up for eBills ( Autopay ) service via XXXX XXXX. When I first signed up, eBills failed due to which I had my first late payment ever with Amex in 15+ years as a platinum  customer. At that time, when I called customer service, Amex DID reverse my late fee and interest accrued ( about {$150.00} ), for the first time EVER on my account. 

After that first mishap, eBills seemed to work well and everything was good with paying off the card automatically each month. However, I noticed today, while scanning charges on my Amex card after a recent trip, that I had accrued serious interest charges which I should not have given that I pay the balance off in full each month. 

Turns out, XXXX XXXX does not consider Saturday a business day ( which is the case with most banks ) but Amex DOES consider it a business day, at least for the purposes of payment due dates and penalties. My eBills was setup to send payment 2 business days prior to the due date for each of my credit cards, because that is how long it takes XXXX XXXX to process the bill pay. For the XXXX Amex payment however, the due date fell on a Saturday ( XX/XX/XXXX ), so when XXXX XXXX auto paid on Thursday ( XX/XX/XXXX ), Amex did not receive it until Monday ( XX/XX/XXXX ). Since XXXX XXXX does not consider Saturday or Sunday a business day, the payment was not delivered to Amex until the next business day which was Monday ( XX/XX/XXXX ). 

This resulted in Amex charging me $ 590+ in accrued interest and late fees. Of course I called them. But despite speaking with several managers, they REFUSED to reverse anything because they had reversed the charges for the only other instance when I had been late, mentioned above, in XX/XX/XXXX!! 

After all these years as a premium customer with never a late payment, that Amex has made tons of money off of via transaction fees and annual membership fees, this is where we are. I have an excellent payment track record that spans years and based on the proof of payment from XXXX XXXX for the bill pay, this was clearly not intentional or a delay tactic. Amex is not acting in good faith!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH 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 my 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 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 XXXXXXXX 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: Credit card or prepaid card

I received an unsolicited pre-paid mastercard from Brinks. I did not participate in any promotion. There is supposed to be no balance positive or negative on the card.