23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I tried to dispute information that is being reported by Kohl 's credit card as being inaccurate by calling Kohl 's credit department multiple times. Kohl 's marked my credit report as being XXXX months late. Even though I told them it was n't my fault and I believe the fault lies more with them ... the reason being because I am signed up for paperless statements and emails all went to my vast junk mail without me ever knowing, because Kohl 's sent me an excessive amount of spam email in a short amount of time, my email service considered Kohl 's junk mail by default. Kohl 's blamed me and said they would not dispute the marks against me, even though I was acting in good faith and trying to work with them. Kohls ' options for paying my bill make me very nervous because I had to give my routing and account number over the phone which I was hesitant to do for a long time. Also my Kohl 's account number is hidden on the statement and they refused to give it to me over the phone, so I could not pay the bill in a manner I felt to be safer such as online bill payment ( where my bank has an account designed specifically for paying bills in a protected manner ). I can not believe Kohl 's policies on this. They need to be more respectful of the amount of excessive emails they send and they need to supply their customer 's their account number so the customer can pay in a comfortable safer manner. They also need to take a customer 's dispute more seriously, because the laws now are very strict in when it comes to a consumer making a genuine dispute and I felt I was treated unfairly, abused and being denied information. What is worse is my life is being negatively impacted this because I tried to get pre-approve for a mortgage and got denied and the banker mentioned Kohl 's! This credit card balance was approx. a small amount of {$150.00} and is now paid including late fees. I 'm getting denied from being able to buy my first home and starting my life as an adult because of Kohl 's abuse of financial power after lack of concern for their customer 's credit report for an error that occurred because of their excessive email spamming. ( screenshot proof of excessive email attached ).
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding fraudulent items on my account. Despite making XXXX attempts to resolve this issue, the fraudulent items have not been removed, and the matter remains unresolved. Since then, I have made XXXX attempts to get these items removed. I have attached copies of all relevant correspondence and documentation for your reference. By this lack of resolution, I am now seeking assistance from you. Please provide a detailed update on the status of my complaint and the steps being taken to correct the issue. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$240.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXXXXXX Bankruptcy Reference XXXX XXXXXXXX Date Filed/Reported 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXXXXXX 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: Checking or savings account

My account with venmo has been locked for 3 months I received a email saying on XX/XX/XXXXXX/XX/XXXX it will be unlocked I will be able to withdraw my remaining funds .since these funds have been locked away from me so that I can't access them I haven't been able to pay bills like rent medical bills and utilities... .XX/XX/XXXX passed and they still have yet to unlock my account like they were supposed to .since then they haven't responded to any of my emails or gave me any updates I will like for my funds to be released immediately please
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.
Product: Debt collection

Received alerts from all 3 bureaus that non medical debt had been posted to my reports on XX/XX/XXXX. 

Creditor : XXXX  Dollar amount : {$750.00} It would seem to be a zombie debt from XXXX XXXX XXXX  in XXXX. 

Dropped off the reports in XXXX and XXXX XXXX Again, have received zero mail, and the posting is vague on the report.
Product: Debt collection

Portfolio Recovery has called me at different hours of the day or night and on weekends. I have told them to stop calling and have notified them in writing to stop calling. They are trying to collect on an old credit card debt that has past the statute of limitations in South Carolina, which is three years. The letter was sent on XX/XX/2020 and the last phone call received from them was XX/XX/2020. I told the lady who called that I have notified them in writing to stop calling and she said she would not because I would not give her my information. I told her I have already done that in writing and would not give it over the phone. I believe they are using collection tactics to try and restart the statute of limitations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Collection - Account Amount {$2200.00} Dear DRS, I am writing to formally dispute a collection effort related to an account that I believe to be fraudulent. According to my records, I have no obligation to pay the amount of {$2200.00} that has been claimed by your company. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you provide me with verification of this debt, including documentation that proves the validity of the account and its rightful ownership. I believe this collection is erroneous and may be affecting my credit report.

Please provide the following information : 1. Proof of the debt, including the original account number and the original creditors name.

2. A detailed statement of the charges leading to the claimed amount.

3. Any relevant documentation that demonstrates my responsibility for this debt.

Additionally, I request that you cease all collection efforts until this matter is resolved.

I appreciate your prompt attention to this issue. Please respond to me in writing at the address provided above within 30 days. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I previously disputed this account with the credit bureaus and it was deleted from my XXXX ( I've attached screenshots ) but Equifax has failed to perform an investigation and delete the disputed information. You are required to report only accurate and complete information per the FCRA. Please delete this information from my file. The law that mandates credit reporting agencies to report accurate and complete information is : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Key provisions related to accuracy include : Section 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, TransUnion Still has this Address in my credit report and other False information in my credit report I have had a bank account With XXXX from XX/XX/XXXX until XXXX at witch time I had closed that account Because XXXX also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and XXXX was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that TransUnion Provides
Product: Credit reporting or other personal consumer reports

Complaint Description : I recently discovered that my identity was stolen, and fraudulent accounts and transactions have appeared on my credit report. These unauthorized activities have negatively impacted my credit score and financial standing. 

Details of the Issue : I did not authorize these accounts or transactions. 

I have contacted the credit bureaus ( Experian, XXXX, and XXXX ) to dispute the fraudulent items, but the issue has not been fully resolved. 

I have also reached out to the creditors involved, but I am still facing difficulties in removing these unauthorized accounts from my credit report. 

The fraudulent activity has caused financial harm, including potential denial of credit, increased interest rates, and reputational damage. 


Actions Taken : Reported the identity theft to the Federal Trade Commission ( FTC ) via IdentityTheft.gov. 

Filed disputes with the major credit bureaus. 

Attempted to resolve the issue with the creditors but have not received satisfactory assistance. 

Filed a police report ( if applicable ). 



Requested Resolution : I request that the CFPB intervene to ensure that the credit bureaus and creditors properly investigate and remove all fraudulent accounts and transactions from my credit report. Additionally, I request that my credit file be corrected and any negative impact on my credit score be rectified. 

Here are the following accounts Amex- {$14000.00} XXXX XXXX XXXXXXXX XXXX  XXXX {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX {$11000.00} XXXX XXXX {$11000.00} XXXX- {$4400.00} XXXX XXXX XXXX- {$45.00} XXXX {$270.00}
Product: Credit reporting or other personal consumer reports

A company engaged in false advertising by promoting its credit card application process as involving only a " soft pull, '' claiming there would be no impact on the applicant 's credit score. However, upon applying, consumers discovered that the company performed a hard inquiry on XXXX and XXXX instead, which negatively affected their credit scores. This deceptive practice misled potential applicants into believing they could explore their eligibility risk-free, only to face unexpected consequences. The company 's misleading claims not only breached consumer trust but also potentially violated fair advertising and credit reporting regulations, leaving me frustrated and dissatisfied. Please see attached a screen shot of the advertisement on XXXX
Product: Credit reporting or other personal consumer reports

I was in an accident the person at fault insurance XXXX XXXX had me go to the chiropractor. I ended up going to the XXXX XXXXXXXX by my house. I could have used the XXXX but XXXX XXXX was paying. Fast forward 3 years I seen XXXX collections on my credit after doing research it was from the accident. While looking at the report it had errors also. It wasnt mine plus errors. I disputed it letting the Experian know of wrong dates and it wasnt mine. I requested through Experian for them to give me a copy of the contract with me agreeing to pay for this. I knew the dont have XXXX like I told Experian because it never happened. While waiting on the results got ahold of XXXX XXXX apparently I was maxed out and wasnt notified of this at all. I thought should be illegal my bill is almost XXXX. I received a total for pain and suffering XXXX. My dispute comes back verified without a contract I immediately disputed again reminding Experian that their job was to report accurately and indorse rules set forth by XXXX credit act. And asked again for the contract set copy of wrong dates stating collection was closed XX/XX/XXXX along with another of my rights are being ignored I was never contacted by this collection agency and still havent been to this day. No contact no report implemented in XXXX are not being followed by collection company and Experian. Again it comes back validated with no contract I have done this 5 times now. Its been well over 30 days ago time line subscribed by fair credit act and cfbc. I ended up finally talking to having to go this route multiple times my rights have been ignored by this collection agency with the blessing of Experian. This has caused me so many sleepless nights and hours of my time fighting for my rights. It is all wrong and demand someone in authority make them realize it. They sre not above the law. Experian has so much power over my day to day life. It has caused my family hardship and it needs to stop. I thought one violation would be good enough but apparently the law doesnt have to be followed if it has anything to do with me. To be honest I dont think there was any kind of investigation
Product: Credit card or prepaid card

I RESPONDED TO AN OFFER BY American Express TO GET XXXX POINTS IF I SPENT {$3000.00} IN 3 MONTHS, WHICH I DID.I DID NOT RECEIVE THE POINTS & THEY CLAIM THE OFFER WAS NOT AVAILABLE TO ME ; HOWEVER, ON MY AMEX CARD WEBSITE, THE OFFER WAS DISPLAYED NUMEROUS TIMES DURING THE MONTH.ALSO, A SEARCH OF CREDIT CARD OFFERS FOR THAT MONTH INDICATED THE SAME OFFER.I APPLIED FOR THE CARD 0N XXXX XXXX .I CURRNTLY HAVE HAD AN AMEX CARD FOR OVER 20 YEARS AND ON AND OFF OVER THE COURSE OF XXXX, WHEN I LOGGED ONTO MY ACCT, THERE WOULD BE AN OFFER TO UPGRADE TO A XXXX HONORS XXXX & RECEIVE THEBONUS POINTS NOTED ABOVE.I SPENT THE {$3000.00} IN ABOUUT AMONTH XXXX BUT NO POINTS WERE GIVEN.I CALLED AND SPOKE TWICE TO VARIOU REPS., AND WAS GIVEN A CONTROL # ABOUT MY COMPLAINT. AROUND XXXX/XXXX/XXXX ( XXXX XXXX & WAS TOLD I WOULD HEAR FROM THEM IN 6-8 WEEKS.NEVER DID SO I CALLED LAST WEEK & THEY TOLD ME I WAS NOT ELIGIBLE FOR THE AS I HAD NOT RECEIVED AN OFFER FOR IT EVEN THOUGH I HAD RECEIVED THIS NUMEROUS TIMES ON MY WESITE & STILL DO. I have downloaded various info about the bonus upgrade which is available now & was available during most of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed for bankruptcy on XX/XX/XXXX. XXXX  flagged my credit report with the bankruptcy information. All the companies I filed on also reported " debt included in discharge through Bankruptcy ChapterXXXX '' with closed. Including Navient, I also filed on them and included them in my Bankruptcy. I received my discharge XX/XX/XXXX. XXXX has not flagged my credit report as discharged and all my accounts reopened. This information is not correct. I have disputed with them and nothing has been done.
Product: Credit card or prepaid card

First purchased gift card at a XXXX on XX/XX/2023. 

Tried to use the card online on XX/XX/2023 thats when I discovered the security code was scratched and whited out. 

Went back to XXXX to get an exchange said I had to contact the company for that. 

Contacted the company on XX/XX/2023, and told them the problem. They said I should email them the images of the card ( front and back ) and the receipt, and they would issue me a new gift card. They said I had to wait 30 business days to get the card. 

After 30 business days, I received no confirmation or contact on the status of my new card. I contacted the company, and they said I should wait 24 hours. Did that, no confirmation of new card. Contacted them again, and they told me to wait until after the XXXX of XXXX holiday. Did that, still no confirmation of new card. 

Called several times more, even asked to speak to the supervisor and they said they would expedite my request. They said they would refund me for the entire purchase, which is {$40.00} ( I still have the XXXX receipt to confirm this amount ). 

Finally, after XXXX calls, they said on Tuesday morning, XX/XX/2023, I should receive an email with confirmation of my refund processed. I never received such email. 

I dont want to contact them again. I believe they will not refund me. Now Im out {$40.00} and have a bad gift card that XXXX cant use in store and online. I no longer want a replacement card because I do not trust they will send me a good one. I believe they are a fraudulent company that is hoping I will give up so they can pocket the money without providing a legitimate product.
Product: Credit card

While purchasing a pair of shoes for Off Sacks Fifth Avenue site. I decided to use my XXXX account tided to my XXXX XXXX credit card, I was re directed to a deferent page where I was asked to put in my personal information. This page did not indicate that I was applying for a XXXX credit. A month later I received a XXXX bill for the {$250.00} for the purchase. 
I assume it was a mistake and did not call XXXX until the following month when I received the bill again with very high late feeds. 
I complained that I did not open credit with them and I was told that I had gone to the wrong page which was not the case. 
I paid their charge but I was very upset with how customers were misled.
Product: Credit card

Earlier last year after being contacted about an online business opportunity by XXXX XXXX XXXX I ended up paying them. I am unsure exactly how they obtained my information but since that I feel that I have become a target in what has turned out to be a work from home online business scam. I have now paid {$13000.00} in total to these scam companies ( {$8500.00} to XXXX XXXX XXXX ) Between them and their undisclosed partners with absolutely nothing to show for it.So I would like to dispute all charges from XXXX XXXX XXXX done on my Wells Fargo card. They promised to advertise my website so it would increase traffic and sales. All I have got was a few calls from them for a confusing training. I never had any customer visits to my website like they said I would have and did not make a penny either. They did not provide the services that I was led to believe that I paid for. I have been deceptively sold and am formally requesting a refund for the amount paid to them. I tried to resolve directly with them, I sent them certified letters, sent emails and they ignored my requests.I am reaching out to your agency in hopes you can help me get my refund.
Product: Debt collection

I have a a unverified account from FEDERL ADJUSTMENT BUREAU. I DO NOT RECOGNIZE this account. I have never done business with FEDERL ADJUSTMENT BUREAU. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FEDERL ADJUSTMENT BUREAU Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all contractual agreements between myself and Federal Adjustment Bureau. 
3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FEDERL ADJUSTMENT BUREAU Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

In XXXX our loan was sold to Green Tree. We had only been with XXXX XXXX Bank for about a year ( XXXX ). We continued to pay monthly to Green Tree and in late XXXX filed Chapter XXXX Bankruptcy and reaffirmed with Green Tree. They were not included in our Bankruptcy plan. They were paid on time every month. In XXXX XXXX I received an Escrow Account Disclosure Statement. This was the XXXX XXXX I had ever received from Green Tree. It included a Deficiency Amount of {$3100.00}, shortage amount of {$860.00} for a total of {$3900.00}. I called them immediately. There were some odd things on the statement. For example in XXXX of XXXX there was {$310.00} to other. They could offer no explaination but said it looked odd so they would do another check and get back to me. I would call and check but was told it was still under review. In XXXX my payment went up to an amount I could not afford. My previous payment of {$660.00} jumped to {$850.00}. I contiued to make the {$660.00} because I had not heard any results from the escrow review and calls to Green Tree were fruitless. XXXX XXXX XXXX XXXX from collections called me to ask for the rest of my payment. I made the difference and she promised that she would investigate. Apparently the analysis was complete but I was not given any information. She submitted it again. I continued to research on my own and found my homeowners policy had increases. I called my insurance agent. We conference called Green Tree on XXXX XXXX. I was told that my escrow account was not my concern and I had no right to request statements or verification of where the escrow money had been paid. I was told we were not talking about my money and I would not be given any other information other that the standard Escrow Account Disclosure Statement. My agent and I stated that it was my money and I have a right to know where it went.He also reworked my insurance so there would be no money coming out of Escrow for insurance in XXXX. The agent reacted rudly to my insurance agent and told him the escrow would not be reworked, it would make a difference. It should have in my opinion. The Green Tree agent was extremely condescending and she was n't the last. My requests for information concerning this large amount of money was met in the following weeks with raised voices, rude tones and speaking to me very slowly. The revised Escrow Statement arrived on XXXX/XXXX/XXXX with a shortage of XXXX, Deficiency amount of {$2300.00} for a total of {$3700.00}. I refinanced with another complany this month but prior to the payoff Green Tree tried to bully me into making XXXX XXXX payment. The loan was paid off XXXX/XXXX/XXXX. I was never given an answer as to why my escrow did not receive a review in 7 years. My lawyer stated that since it was not part of the Chaper XXXX I should have received Escrow Statement. The phone calls, rude behavior and stress was uncalled for.
Product: Credit card

I entered into a financial hardship payment agreement back in XX/XX/XXXX. For ( 12 ) payments of {$140.00}. I was told this would take me out of delinquent status as well as waive any accumulated interest and late fees. I have made 9 of the 12 payments currently. Last payment scheduled for XX/XX/XXXX per the agreement. They are still reporting to credit bureau Im in a delinquent status. They are still reporting all accrued interest and late fees. They are also showing a balance of {$1400.00} instead of the ( 3 ) payments that remain which is {$440.00}. I tried to file dispute with credit bureau but PayPal Mastercard said it was accurate. I call PayPal directly they said they dont know if its correct that they were told it wouldnt show then told now that it would be reported incorrectly. I was not given a name or contact info or mailing address to file a dispute.