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

On XX/XX/2018, I received an alert from XXXX  credit monitoring that " XXXX '', with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX and phone number of XXXX obtained a copy of my XXXX  credit report for a " home retail loan '' without my consent or authorization. 

I immediately contacted XXXX  to dispute the credit inquiry, and, at XXXX XXXX   direction, contacted Kohl 's at the number given on the credit report next to alert them that they pulled my credit without authorization and to try to get more information regarding what I assume was an identity theft issue. I wanted to make sure that no unauthorized credit account was being granted in my name, since it would be fraudulent. 

Kohl 's was utterly unhelpful and completely unprofessional. They refused to assist me. Incredibly, they refused to transfer me to their fraud department. Specifically, the customer service representative told me that " the fraud department would not take the call, '' even after she confirmed that an account had been applied for with my name and current address, without my consent. 

Later that day, I learned from several other of my credit card companies that my identity had been stolen and was being swiftly used to make unauthorized retail purchases, so I am sure that someone used my stolen identity to try to fraudulently open up a Kohl 's account in my name. I am still speechless at how Kohl 's did not care that they violated federal law by pulling my credit without my consent and completely refused to help me. 

After my failed conversation with Kohl 's, I filed a report with the FTC and mailed the FTC 's recommended letter to Kohl 's disputing the unauthorized obtaining of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not delete these fraudulent account off my credit profile, they claim they are verified that is wrong. I filled a report with the local police and sent it to them asking for an investigation, along with a letter stating they were fraud. They will not properly investigate, they keep sending me notices saying they will not remove them because they think the account is mine, they use stall tactics when I ask them to see proof of the accounts that belong to me, they can not send me proof. They violate my rights under fcra.
Product: Debt collection

I sent a certified letter to Frost-Arnett Company asking for proof of verification and signature and they sent me a misc document.
Product: Credit card

Over one year ago I ordered a chair from a company in XXXX, Ky. In order to complete the order which would take six weeks to get the company rep. took my information and stated they had special deals with a particular credit card company. I obtained the account information with a few weeks ( listed below ). After seven weeks I had not received my custom chair as ordered. I contacted the chair company and was told it would be at least another six weeks, because they were so backordered. I asked the rep to cancel which she promptly and courteously agreed and I have no further correspondence. The chair company rep did give me the " credit card '' company 's toll free number in to cancel the card account since I did not need another card and was not going to get the merchandise I was going to get on the credit account. I contacted XXXX XXXX and asked them to close the card account, to which the agreed. I have never used this card account or received any merchandise or service charged to the this account. They continuously harass and send me threatening letter and phone calls. I get statements which I have disputed in writing but stye continue to send account statements show interest and late fees being billed to me on this account and the original amount of approx. {$300.00}. As i have stated to XXXX XXXX reps many times, I never received the merchandise that was first order that started the account and I have advised them of this several times.
Product: Credit reporting

I have disputed XXXX on my Experian credit report several times. The debt was cancelled by XXXX and I received a XXXX form, stating the debt was cancelled. I paid taxes on the cancelled debt. Experian continues to incorrectly report the debt as delinquent and past due. I was recently turned down for a mortgage loan due to incorrect credit reporting by Experian. This is my final attempt to have Experian correct this error, before I sue them. I am attaching the latest document from Experian dated XXXX 2015 showing the result of their investigation. This error is after I submitted a copy of the XXXX C form that I am attaching to this complaint. I have been injured by Experian 's inaccurate reporting, and if the error is not correcting this time, I intend to sue them for for actual and punitive damages. Experian continues to ignore my requests to correct the error, even though I supply the documentation that I am attaching today to this complaint. This official complaint, if not corrected, will be used as additional proof of the malicious behavior Experian is subjecting me to. The account is paid in full and not past due. The debt has been cancelled, as the document states. Note the account numbers on XXXX the credit report and the XXXX are identical.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /2017 I received a letter in the mail from   XXXX   XXXX   XXXX   XXXX   for reasons unknown to me! I do not do ANY business with this institution! I opened the letter and it stated that i had made a recent application for a deposit account. I have done NO SUCH THING! I have never opened Or filled out any application for them! I DO NOT know how they even got this information. It says in the letter a credit score and soft inquiry have been made. None of which I did or gave anyone permission to do ...
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I do not know why this is happening I know this company is in the news for setting up fraudulent acoounts and I am positive this is what has happened to me! I do n't want this to affect me negativly with credit agencies but they have no right to open any account or get a credit report when i havent asked for it!
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The letter is from   XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD Please make this company remove my name from their data base and remove any incorrectly reported info from my credit report!
Product: Mortgage

I am a XXXX veteran with a property tax exemption, and I have repeatedly reached out to my mortgage company to address an issue with my escrow payments. Despite providing all the necessary documentation confirming my exempt status, they have not made the required adjustment to my escrow account. This has resulted in ongoing overpayments and unnecessary financial strain. I am seeking immediate resolution to ensure my escrow payments reflect my tax-exempt status moving forward.
Product: Credit reporting

Transunion has consistently violated XXXX request to rescind any and all wording of foreclosure in the records of XXXX XXXX loan # XXXX. It 's shocking that the have continued this reporting with the knowledge that request to squash has been in there hands for years. This information was also presented to XXXX.
Product: Credit card

I cancelled my Amazon XXXX membership in XXXX. I continue to use the Amazon Chase Visa for other purchases. Around XX/XX/XXXX, random purchases started appearing on my Chase Amazon Visa for Services ( not products ) I did not order such as : Amazon XXXX purchases, XXXXXXXX XXXX XXXX XXXX. I tried several times to dispute the charges online but got an error message on Chase website to call a phone number. When I call Chase, they instructed me to dispute the charges with Amazon. I gained access to the Amazon account, but these charges are not showing up on my Amazon account so they can not be disputed with Amazon. I spoke to Chase in XX/XX/XXXX about the charges as I would be traveling overseas in XX/XX/XXXX. Some of these charges appear on the card when I am not in the country to use the services. Except for the Music Subscription, which was cancelled in XX/XX/XXXX, I do not use the services for which I am being charges. I can not dispute some of the charges with the vendor as they only appear on the credit card statement and not in the vendor account. I have now blocked the card to avoid further charges but need these pending charges throughout XXXX addressed.
Product: Student loan

I have been trying to pay my student loans off. I recently took a personal loan from a family member and made a large payment for the full amount owed to Aidvantage, but the balance continues to grow by about {$100.00} each day. I have continuously tried to reach customer service to find out what is going on. After waiting on the phone for an hour ( during my work day ) I finally got a human on the phone. They said the loan had been repaid, that the payment was still processing, and the additional interest charges will be removed. This is not true though. A few more days have passed since I confirmed this. Two days ago the balance was paid off. The money, however, has not been taken out of the account I paid from. So I went online to check again and the balance is back up to the previous amount plus a few hundred dollars interest. There is no email address for me to contact and no one to talk to unless I am able to sit on the phone for an hour and a half during my work day. I don't know what to do to get the loan paid off and am extremely frustrated that they are not providing me with any information on what is going on with my payment. It seems clear to me that they are purposely avoiding human contact with student loan borrowers and doing everything possible to keep me paying them interest.
Product: Credit card

I paid this credit card off through money management a debt consolidation company. I even received a check for over payment of this account. It is on my credit report as missed/late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are both furnishing inaccurate information on my consumer report regarding an ERC. account. They are both reporting this account as a collection and a charge off. Which one is it. There are a host of Inaccuracies associted with the information furnished.
Product: Debt collection

I made payment for outstanding parking balances owed on XX/XX/2018 through the website XXXX. The amount I paid was {$87.00}. This company just contacted me stating that I owe {$65.00} for parking ticket on XX/XX/18 that was included in amount I paid for {$87.00} on XX/XX/18. When I called to verify this with the company, they were very confused and said in their system it showed that I owe over {$300.00}. This is fraudulent debt and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX {$150.00} XXXX {$880.00} XXXX {$27.00}
Product: Credit reporting or other personal consumer reports

Submitting dispute letter to remove negative items off my credit report
Product: Credit reporting

It has been 30 days, this highly disorganized CRA needs to finish the investigation and send me a complete updated credit report. It is amazing that BOTH XXXX and XXXX have investigated, removed the subject items and already mailed a report.
Product: Checking or savings account

I have received two notices on XX/XX/18 stating that are debiting XXXX and XXXX from my account for an offset. I have been debited numerous times excelling over XXXX. I have previously put in a complaint about previous charges and I am still getting debited. I do not owe this bank this amount of money.
Product: Debt collection

We sold our house in XXXX Maryland in 2011 and paid our last monthly payment to XXXX by electronic transfer from our bank account. XXXX/XXXX/2011. Proof of payment to XXXX from XXXX XXXX XXXX enclosed. 
On XXXX/XXXX/11, XXXX sent us a REFUND. Enclosed is copy of the letter from XXXX that accompanied the refund. 
XXXX repeatedly sent us bills for the amount that was paid, even though we repeatedly sent them copies of the completed transaction. 
Enclosed is a copy of the bill from XXXX/XXXX/2011. 
Many phone calls were made to them with to no avail. We gave up. 
They then turned the bill over to a debt collection company which in turn as sold the debt many times to other debt collectors. We are being constantly harassed by the latest debt collector, Southwest Credit Systems. 
We are now applying for a mortgage and this old debt on our credit reports is affecting our interest rate. 
Please help us.
Product: Debt collection

So my situation is a little more complicated than what is listed above. I 've tried calling the CFPB but she could n't help me. Apparently I had debts in collection in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX right as I was changing jobs, I asked for a statement. I changed jobs and had a hard time with familial things at the same time and that was the last time I heard from this Credit reporting agency. Since I work for the Veteran 's Administration and it was hacked right after I started in XX/XX/XXXX, my credit is monitored through XXXX. Today I got on to check activity and it showed activity from this credit reporting agency from XX/XX/XXXX and XX/XX/XXXX. I have not heard or seen ANY activity since XX/XX/XXXX from this agency. When I ran my credit report through XXXX, it shows XXXX accounts with Professional Credit Service that are CLOSED. When I called XXXX and asked why they had n't contacted me, all they said was we contacted you XX/XX/XXXX and that was the last we heard from you ( me ). I do n't understand how they can legally close accounts and reopen them and start posting to credit reporting agencies two years later with no notification. I 'm very broke and I can not afford any more debt right now. Please help. Please tell me if they can legally reopen accounts they have listed as closed and have n't notified the debtors ( me and my husband ) in TWO YEARS : (. THANK YOU.
Product: Debt collection

Portfolio Recovery Associates ( PRA ) is reporting to the credit reporting bureaus for an account ( XXXX XXXX ) that has been paid in full. PRA also is reporting that there is a balance on the account, and from the last report, has increased. Upon filing a dispute with the credit bureaus, on XX/XX/XXXX, the credit bureaus ( XXXX, XXXX, XXXX ) all claim that PRA has provided that the balance is valid and accurately being reported by the FCRA.

PRA, during the dispute process with the credit bureaus, sent me documentation on XX/XX/XXXX, stating that the account was paid in full. Additionally, they have stated that they would have the tradeline removed from the credit reporting bureaus. This has not happened, instead, the balance on the account was increased by {$11.00} to now show {$22.00}.
Product: Credit card or prepaid card

Cheveron/Texaco I was recently the victim of Identity Theft I closed several of my accounts. I decided to no longer make payments on-line. I contacted the company and spoke to XXXX, XX/XX/XXXX at XXXX to changed my payment due date and reported that I made a payment by XXXX extra ( {$4.00} ). The young man said the date would be changed for the next billing cycle. I had him to update the account with the XXXX reference number. 

XX/XX/XXXX, I receive my bill and it had the late charge. I contacted the company and spoke to XXXX. She did not even let me explain but began to tell me how payment are processed by third party company. I told Ms. XXXX that I was aware that XXXX ( spoke to on XX/XX/XXXX ) had explained this to me ( I was not aware of third party payments ). I am never late with this payment. She was not very understanding but like a machine. 

I asked her about the payment due date she placed me on hold for 10-15 minutes. She said her manager XXXX said the due date could not  be changed on a closed account. I had more questions, she said would you like to speak to her I said yes. She transferred me to XXXX. Ms. XXXX tone when she answered the phone she seemed annoyed. I was not asking for anything just a due date change. She proceed to tell me that once an account is closed the due date can not be changed. I asked if I had any other options. She said no, " automatic billing '' ( she did not listen to my Identity Theft story and how I am not paying bills on-line ). I asked Ms. XXXX if the account can be opened and closed again after the due date is changed. She said an account has to be re-opened within 24hours. 

These two ladies showed no compassion or understanding for their customer. Just because I am no longer an active member you don't have to be non- understanding.
Product: Credit card or prepaid card

on XX/XX/2018 I purchased 4 XXXX gift cards from XXXX XXXX XXXX in XXXX XXXX, CA totaling {$2000.00}. Upon purchasing, I noticed that all the cards were opened. I was able to register my cards, two of them I was able to remove the balances, while the other two were hijacked and used at a XXXX over 100 miles away.

The cards are issued by US Bank, and I have called their fraud help line to file a report. I filed the report the same day. I am assuming that they are not going to investigate and they are telling me that it may take longer than 90 days to get my money back. I have been ripped off for about {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always go on XXXX XXXX to check my credit score. I should only have one card open on my account which is XXXX XXXX XXXX XXXX It says there was an update on my account on XXXX XXXX on XX/XX/2023 and it said that I had an account open for a year and one month in the name of it was community credit/Pierier it says the amount that was open was {$350.00} credit limit. It says there was 0 % usage but it says it was open the year ago. I have not seen anything like this on my account. I check my account frequently like once a month and I never saw this until today. I did take a picture of it as well. I just didnt want it to affect my credit. I called two different banks that I thought the credit card was with, but both of the bank, said that it is not a bank that they even recognize, and that it could be credit fraud. I just wan na double check to make sure nothing is on there that I did not do. Thank you so much for your time.
Product: Debt collection

Utility power account was opened in my name at XXXX XXXX. The physical address was XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX Texas XXXX XXXX
Product: Credit card or prepaid card

Twice Synchrony Bank has made a mistake of a " duplicate '' payment and sending me refund checks. Even after I requested that the " duplicate '' payment or refund check be voided, I was sent another check. These continual " mistakes '' has resulted in a balance that I am asking to be credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, has violated my rights. 

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

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

My Cash App issued debit card was charged {$350.00} on XX/XX/XXXX at XXXX. I initiated my dispute on XX/XX/XXXX where XXXX or XXXX ( two names were on that single email but both Cash App employees ) emailed saying the investigation was underway and that my card was blocked and for me to get a new one. I didnt hear anything for a month ( when I was suppose to be updated or given a credit after 10 days ) so I asked for a update on XX/XX/XXXX and XXXX stated they had 45 days from XX/XX/XXXX & that XX/XX/XXXX was only day 37, still no credit. I reached out again on XX/XX/XXXX since thats 45 calendar days from XX/XX/XXXX and a lady on the phone said I had to wait until the following Thursday ( XX/XX/XXXX, today ) since the holidays wouldnt count towards the 45 days although XXXX had clearly counted them. I reached out today and XXXX provided me the same generic message saying my dispute was escalated and someone will reach out. I am tired of waiting on my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a postcard from XXXX thanking me for applying for a checking account on XX/XX/XXXX. The applicaton number is XXXX. I didn't apply for this checking account. Also on XX/XX/XXXX a visa credit card application XXXX was applied for. I didn't apply for this credit card. Bothe the checking account and credit card applications were denied by XXXX XXXX. My social security number and personal information were used fraudulently. I want the hard inquiry to be removed from all my credit reports
Product: Prepaid card

In XXXXXX/XX/XXXX {$2000.00} was stolen from my account. this happened in new york. I live in XXXX. They said they investigated but never sent me the documents and declined to reimburse me. everytime they say they will call me back and don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of inquiries on my credit report that I do not recognize therefore I never gave permission for the inqury. I have contacted all but its still reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX FINANCE ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX  XXXX XXXX ( Bank ) XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XX/XX/2020 CAPITAL XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX  ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2020 REGIONAL XXXX XXXX ( Bank XXXX XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Auto ) XX/XX/2020 XXXX XXXX XXXX  ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 2020