23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was paid and credit management group promised deletion once paid, still no deletion from none of my credit reports.
Product: Credit card or prepaid card

Kohl 's Department Store The account was closed and/or paid in full on and/or before XX/XX/2020 The reflection on the account shows a {$95.00} balance, again the account was closed on and/or before XX/XX/2020 and/or no charges were made on and/or after that date. 
In speaking with several of Kohl 's customer service agents, each assured the account was being updated and a XXXX balance was going to be shown. 
The Federal Regulations are clear on any institution such as Retail when the account is closed and/or at a point of XXXX, it is illegal to continue to charge the consumer any fees and/or interest. The {$95.00} is the reflection of that illegal process. 
There are other consumers who are and/or have experience the same illegalities by Kohl 's Department store XXXX
Product: Checking or savings account

There has been a reoccurring charge on my business account for Months. I have contacted TD bank and submitted a Case regarding this. It has been a month, no one from TD bank has reach out or tried to resolve the matter. The hold time to speak with someone in the Fraud department is over 2 hours long. The reoccurring charge is from XXXX XXXX XXXX
Product: Debt collection

Hello, This email is in response to a collection account on my credit report. I sent a request to all 3 credit bureaus as well as your establishment to make sure everything on my report was accurate and they have verified the account was accurate, but I have not received any documents to support the validity of this account. Your company also has not responded to the certified letter I sent requesting validation of this debt. I am requesting that you provide validation of this debt. 

*Proof of ownership with my approval to sell this debt to a third party company *Payment History with Original Creditor *Orignal Lease Contract with wet signature If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and The Texas Attorney General 's Office . If my rights continue to be violated. I will also consider consulting with an attorney. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a few inquiries that i did not authorize. The only inquiries that should be on there are from my open trade lines. XXXX ( Bank ), XXXX ( Bank ), XXXX XXXX ( Finance ) ( XXXX ) of those, XXXX ( Bank ). XXXX of these accounts i have applied for. I filed bankruptcy and i have been very careful on applying for anything.
Product: Credit reporting

After multiple letters sent to Equifax credit bureu hard inquiries and accounts are still showing please help remove from my credit report. 
The following inquiries were not approved by me and I do n't have accounts with them : XXXX The following accounts should be deleted : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of a fraudulent item from my credit report. Despite my continuous efforts and multiple disputes, the following fraudulent account remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the responsibility of the credit bureau to investigate and rectify these inaccuracies promptly. I request that you could help me : Immediately remove the fraudulent item from my credit report. Provide written confirmation of the removal. Given the extensive history of my disputes and the lack of resolution, I am also filing a complaint with you to seek their assistance in resolving this matter. Failure to address these inaccuracies XXXX result in further legal action to protect my rights. Kindly help me remove the following items immediately : XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; 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, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7700.00} ; US DEPT ED XXXX Balance Owed : {$2600.00} ; US DEPT ED XXXX Balance Owed : {$6600.00} XXXX US DEPT ED XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; US DEPT ED XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} ; US DEPT ED XXXX Balance Owed : {$4900.00} ; US DEPT ED XXXX Balance Owed : {$10000.00} ; US DEPT ED XXXX XXXX Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$2500.00} ; US DEPT ED XXXX Balance Owed XXXX {$6400.00} ; US DEPT ED XXXX Balance Owed : {$8800.00} ; US DEPT ED XXXX Balance Owed : {$7500.00} ; US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXXXXXX - XX/XX/year>. I demand the deletion of this inquiry from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was hacked. And am one of the people affected.
Product: Checking or savings account

I didn't see exactly what apples to me it's kinda important so I am a veteran who did multiple deployments to XXXX this is important to know my last tour was XXXX my dad had specific power of attorney he did nothing with any thing I asked so I was told it automatically is void when our feet hit US soil.I am not pleased to share this but my dad and XXXX altered that power of attorney form and convinced a banker at the Wells Fargo XXXXXXXX XXXX XXXXXXXX XXXX I am guessing this was a friend of theirs because 16 years later that's how old the document was in XX/XX/2022 neither my dad or stepmom or Wells Fargo banker ask if they had my permission and why it had a white outed end date so they took many copies of copies to show it had no end date. The XXXX  is very strict and assure you not more than 12 months is the longest XXXX time without breaks by law. My credit is ruined it was XXXX getting my dad off my account they were rude and disrespectful to me I did what they said and type a written typed termination of power of attorney to my dad then they said it wasn't good enough, I am XXXX XXXX XXXX XXXX XXXXXXXX I am seeking for all money stolen for all unprofessional hatred I want justice to punish them the hardest anyone has got for similar offences, my dad already died of XXXX so that just leaves my step mom and the banker.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed a fraud alert on my credit reports as I became aware there are multiple fraudulent accounts on my credit reports. 
On XX/XX/XXXX I paid {$11.00} for a certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent account has Not been removed by Trans Union. 
On XX/XX/XXXX I resent another certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent account has Not been removed by Trans Union. 
According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report. 
It has not been over 60 days since I sent the original certified letters to Trans Union and the accounts have not been removed. 
I am submitting a formal complaint with the Consumer Finance Protection Bureau to get assistance on this imperative matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX Erroneously marked as closed on XX/XX/XXXX settled for less than full balance. 

Factually, account was closed on XX/XX/XXXX and settled for less than full balance on XX/XX/XXXX. 

No late payments.
Product: Debt collection

I wasn't notified by " Phoenix Financial Services '' OR " XXXX XXXX XXXX  ''. On or about XXXX XXXX alerted me of the accusations. 
I disputed XXXX, but the Derogatory accusation remains on my report. I don't know who Phoenix... or XXXX... are
Product: Credit reporting or other personal consumer reports

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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$610.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The EXPERIAN AND XXXX 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX  Balance : {$59000.00}
Product: Debt collection

American Education continues to contact me even though I no longer wish to deal with them, they have threatened wage garnishment against me even though I am not being sued, I checked with my local casenet and no pending lawsuits against me. They are a scam because their supervisors do not know anything, XXXX XXXX claimed to the Illinois Attorney General that I gave them my mother 's phone number as a way to contact me when that 's not true. A 3rd party company named XXXX changed the phone numbers because they admitted it to my attorney because a FDCPA case was settled with me. I would never given my mother 's phone number to contact me because that is not a way to contact me. I have advised them not to call me but they claim per my promissory note that I agreed to it, I do not have a written contract with then I can go online to make payments. Also, I need the credit mark removed from my credit because my bank did not pay the {$25.00} on XXXX/XXXX/16 due to a system glitch in the system therefore this is not my mom 's fault or mine for that matter. I have a letter from my bank explaining that information. American Education Services uses legal action to scare people but I will have an attorney as of Monday, therefore no more contact with me because it will be illegal to contact me since I will have an attorney on Monday. I will not make anymore contact with them. Now I recieved a letter from them claiming a name issue, I have not changed my name at all so I think this is a ploy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is not that the original issue was not accurate, my problem is that the reporting agencies ( XXXX, XXXX, etc. ) tend to keep issues on the credit report longer than is necessary. While for Bankruptcy, it does indicate 7-10 years, I find it significantly detrimental to the individual that negative public records are not removed at the earliest convenience, particularly if, in fact, the idea is to improve the financial welfare of not only the individual but the country as a whole after having " served our sentence ''. By keeping these negatives, they are punishing, not reporting.
Product: Credit card or prepaid card

On XX/XX/XXXX & XX/XX/XXXX I made two {$42.00} payments to Genesis Milestone Mastercard. One of those was accidental. I called today on XX/XX/XXXX to get a refund issued or one of the payments transferred to the XXXX balance. They refused to help saying that they have no options to help me since the payment was issued already. Asked to speak with a supervisor in hopes they had options. She also said there was nothing to do. I canceled the card and closed the account as that does not seem right to not have any sort of solution to offer. I've made an overpayment before with another issuer and they were more than happy to help. Knowing that better customer service is out there, I don't want to be apart of GMM any longer. It seems there are laws that say they should be able to do one of the above options and I hope that's true.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I received correspondence through the post office from an entity called 'Regional Finance Corporation of Texas '. The offer was for a pre-approved cash loan for {$1400.00}. The part I am seriously concerned about is that this particular offer included a live check in the envelope. The check had clear instructions as to the steps needed to cash it and even suggested that mobile deposit would be the easiest way to get the funds. The offer came with a 69.99 % APR and {$890.00} finance charge. I find it unacceptable that this entity would send out live checks that could easily be cashed at unscrupulous places and place me in a serious financial predicament. The XX/XX/XXXX check was actually the second time I received this offer from the same entity ; I had previously received the same offer from the same entity on XX/XX/2020.
Product: Vehicle loan or lease

I have two accounts with American Credit Acceptance. One was for a XXXX XXXX that was involved in an accident and there was a total loss claim. There was no GAP insurance on the car. However, I was able to get another car, a XXXX XXXX XXXX with the same company. While the other was a total loss claim, I secured the new car and made payments. However, the company in question has been applying my car payments to the XXXX instead of the XXXX. They have been contacted on numerous occasions about this issue and it has yet to be resolved. I now face additional credit reporting issues and past due payment contact that is also affecting my wife as she is a co-signer on the XXXX. A company representative named XXXX, advised that they apply the payment to the first car that shows in their system. In this case it would be the XXXX. However, on XX/XX/XXXX, I called again to get this issue resolved and was advised by another rep that the XXXX account was sold to XXXX XXXX XXXX XXXX, who can be contacted at the number XXXX. However, if the account was sold to another collection agency, then American Credit Acceptance should not be applying my payments on my XXXX to the XXXX. In addition, The XXXX XXXX XXXX has never provided me with a debt validation letter with regards to the XXXX. In fact, I just found this was referred to a third party collection agency.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit juggling significant issues the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately.the lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Mortgage

I make extra principal payments on a monthly basis. Last month PHH Mortgage took an extra {$13.00} out of the extra principle to pay for the recording fee 's for an assignment of mortgage that was recorded in the clerk of courts the month prior XX/XX/2019. 
They should be absorbing this cost not I as they received the loan from Ocwen XX/XX/2019. 
Also note that according to the clerk of court in XXXX County Florida the legal description in the assignment of mortgage is also incorrect. I have called 3 times and I still have no answers. 
They also caused my homeowners insurance to be cancelled and then reinstated. 
Because the insurance company never received noticed they were now servicing the loan. That occurred in XX/XX/2019
Product: Student loan

My federal loans were reported to my credit score and my score went down. They reported wrong information.
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Correction of Inaccurate Reporting : Upon reviewing my consumer reports, I was deeply disturbed to discover significant inaccuracies regarding alleged late payments on accounts where I have consistently made on-time payments. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required by law to ensure the highest level of accuracy in reporting consumer information. I have never missed a payment on the following accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am demanding an immediate and thorough investigation into these discrepancies, to be completed within four days, as stipulated by the FCRA. You are required to provide definitive evidence, such as detailed account statements, that support the claim of late payments. Failure to provide such proof within the specified timeframe will result in my demand for immediate correction, ensuring the payments are accurately reflected as on-time, in strict compliance with FCRA Section 611, which mandates both accuracy and completeness in consumer reports.

I have consistently honored my payment obligations on time and will not accept this error. Please rectify this issue immediately.
Product: Money transfer, virtual currency, or money service

On Wednesday,  XXXX   XXXX , I initiated a wire transfer withdrawal from an online stockbroker in the amount of {$9700.00} for deposit into  XXXX  ( the online crypto-currency exchange owned by Coinbase ). Both  XXXX  and  Coinbase  's websites clearly state that wire deposits will be credited same-day if completed before  XXXX  PST. They also charge a significant fee for this expedited funding method.     It is now Wednesday,  XXXX   XXXX , and the funds have not been credited to my account. In addition, none of my inquiries have been responded to.     I was charged wire transfer fees by both my online stockbroker and  XXXX /Coinbase, missed out on valuable trading profits, and still do n't have my {$9700.00}.
Product: Vehicle loan or lease

Capital One pre-approved me for {$28.00}, XXXX dollars for a car then denied me
Product: Credit card

On XX/XX/XXXX, I contacted my credit card company, JP Morgan Chase, about a series of charges made to my credit card account ending in 5943, which I did not make. Those charges are the following : - XX/XX/XXXX, for {$79.00}, to " XXXX CA '' - XX/XX/XXXX, for {$230.00}, to " XXXX CA '' - XX/XX/XXXX, for {$100.00}, to " XXXX CA '' - XX/XX/XXXX, for {$240.00}, to " XXXX XXXX XXXX XXXX '' - XX/XX/XXXX, for {$120.00}, to " XXXX CA '' Not only did I not make these transactions ; I do not even know who the named merchants are. Upon seeing these fraudulent charges, I promptly cancelled my credit card and requested a new one. 

On XX/XX/XXXX, my credit card company, JP Morgan Chase, issued a notice explaining that they had " completed [ their ] review of unauthorized transaction ( s ) on [ my ] account '' ( attached below ). They falsely claimed in the notice that I " received benefit from '' each of the transactions listed above, and that they would not be refunding me for the fraudulent transactions. Again, I did not receive any benefit from those transactions and I did not make them, nor do I know who the named merchants are. 

As these were fraudulent charges that I did not make, JP Morgan Chase should immediately credit the funds listed above to my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : 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 XXXXXXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer by law and I sent letter regarding inaccurate things on my consumer report. I received a letter saying my case was close but no method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Wells Fargo Board requesting their help in addressing a Mortgage issue that has spanned nearly 10 years. Once again they provide an incomplete review of the matter from inception. They have also refused to allow other team members to provide input into the matter that would be helpful to their customer<XXXX XXXX, XXXX XXXX, XXXX XXXX and others>. WF 's mishandling of this matter along with its co-conspirator XXXX XXXX has resulted in significant financial loss and credit reporting damage. While the WF board has been changed recently it has yet to imptove its accountability to its customers.
Product: Money transfer, virtual currency, or money service

From the police report ( CV- crime victim ) AT XXXX XXXX STATED THAT SHE WAS ON XXXX WHEN A XXXX ACCOUNT BY THE USERNAME XXXX XXXX XXXX OFFERED THE CV CONCERT TICKETS. CV AGREED TO BUY THE TICKETS FROM THE PERSON ON XXXX AND SENT THEM A XXXX OF {$1400.00}. THE XXXX PHONE NUMBER IS XXXX AND IT BELONGS TO SOMEONE BY THE NAME OF XXXX XXXX CV NEVER RECEIVED THE TICKETS. 

Police Report about the incident is attached.