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

There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on XXXX and XXXX  and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently
Product: Credit card or prepaid card

Kohl 's is canceling my store Kohl 's charge card I have had for years, and issuing me a Capital One Visa credit card, without my permission! I was not sent an application to apply for the Capital One Visa credit card. I was notified by mail it was going to happen. I did not request this to happen. I did not authorize them to pull my credit score, thereby damaging my rating my doing this. Also, by canceling the Kohl 's store credit card and opening a new Capital One Visa it will hurt by credit score. 

I notified them immediately by phone that I did not want the Capital One Visa credit card, and was told they would cancel the process, however that did not happen. Kohl 's customer service is overseas and the representatives do not speak good English or understand English well. Very frustrating. Notes on my file must not indicate the conversation that took place that I DID NOT WANT the Capital One Visa card! 

The information I received in the mail did not provide a contact phone number. I had to research on the internet to find a phone number and be transferred just to find a department that knew what was happening to the Kohl 's store credit card for select customers. A month later, ( this week ) I received an email to expect my NEW Capital One Visa credit card by the end of XXXX!! 

I do not want another Visa credit card at 30 % interest! Especially one I did not apply for! A store should not be allowed to make these decisions and hurt a person 's credit!
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$4200.00} XXXX XXXX XXXX  XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Navient student loan has been repeatedly calling me. Their phone calls started in XX/XX/2022. They ask for someone else, someone who does not live here. I have repeatedly told them I am not that person and the person they are calling for does not live here. They XXXX XXXX XXXX XXXX  They are rude. They call me XXXX times a day. I am XXXX XXXX XXXX and I believe they are preying on me due to my age. I have told them to stop calling me and they continue to harass me.
Product: Credit card or prepaid card

I applied for a XXXX Discover Card about 8months ago, and everything was fine when I was paying with my XXXX account. However I move away to go to college so my mom gave me her debit card to process the payments. Discover card took my payments but never told me the debit card was not a form of payment that they use, so about two payments were rejected. I then put my mom on the phone so she could see what was going on and she is the one that found out about the debit card not being a form of payment. My mom then used her checking bank account, which was also rejected. My mom put the bank on the other line with the discovered card agent, to make sure everything was ok. Which discover card said that it would be ok, however that payment was rejected also. Discover stated it was rejected saying no account found. Instead of discover working this out with me knowing that one of their agents realized that it was a debit card I was paying with they still decided to close my account., due to the payments being rejected 4 times, which was because discovered never advise me that they did not take debit cards. My mother called in again to try it again, and now after two months of trying to get these payments to go through and agent advise her that they do except debit cards, but they have to transfer you to a different number, so this has caused my credit to go down or look bad due to discover not accepting my payments and not advising me properly, due to my account now being closed. 
I would like for discover to open my account back up, especially since I am still paying the bill on-time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 this account completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened XX/XX/, 2018 Balance : {$550.00}
Product: Credit reporting

I have summit correct documents to experian showing accounts with XXXX had been taken care of and letters confirming this from XXXX. They refuse to correct this and keep reporting charge off and late. I have asked for a complete audit and details they have gathered in order to keep reporting false information. I have had no problems with XXXX or XXXX they have corrected all issued but experian refused to correct any incorrect information.
Product: Credit reporting

To whom this may concern : I 've submitted a dispute to Transunion to remove inquiries off my credit report, I understand that they should n't be allowed to put inquiries on my file unless I have authorized it. They recently removed the inquiries then added them back. Please have transunion remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. I have sent several letters to them with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2018 my credit was ran for SYNCB without my authorization and knowledge. I now have two hard inquiries that state that it will be on my credit report for two years, and it also lowered my credit score. I have never applied to this bank. I contacted SYNCB and I was told that I had to dispute it with the credit bureau, that they could not help me.
Product: Debt collection

PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XXXX/XXXX CURRENT ADDRESS XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XX/XX/XXXXXXXX XXXX, 2024 XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XXXX XXXX ( XX/XX/XXXXXX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and I see data being reported about me from Firstpoint Collection Resources. I never gave Firstpoint Collection Resources permission to receive my data nor to furnish it to consumer reporting agencies. Please remove this information immediately.
Product: Checking or savings account

Atlantic Union Bank just wants to steal from people. I am being charged fees for excessive transfers from my savings account. I am aware that it is within the banks prerogative, however taking my money because of how I choose to manage it is sickening. I am barely getting by and they charged me {$110.00} in fees for transferring money from my savings to my checking. It is disgusting and predatory.
Product: Mortgage

We closed on our mortgage with Nationstar on XXXX/XXXX/15 and wired the payoff funds the same day. 2 days after closing and after recieving the funds via wire, Nationstar changed their payoff amount due and refused to accept our wire. They then held up the process for 16 days, not accepting the new wire amount until XXXX/XXXX/15. For these 16 days, they refused to refund us our mortgage interest, as the payoff at closing was thru XXXX and any days before that date were to be refunded. When I submitted written proof of this discrepency, Nationstar completely ignored the documentation and continues to state that they are correct and that they do not owe us for the lost 16 days, even though we submitted the correct payoff on the date of closing and Nationstar changed that payoff AFTER closing. If this is a legal practice, then any mortgage company could do this to any customer and steal mortgage interest from them - this could be a XXXX dollar scheme defrauding customers of their money.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, XXXX, and Equifax to XXXX and or remove these accounts : XXXX, XXXX, EQUIFAX DISPUTES XXXX XXXX. XXXX > {$1200.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$3800.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$3700.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$180.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX {$13000.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1200.00} * Date Opened : XX/XX/XXXX HARD INQUIRIES : XXXX. XXXX XXXXXXXX XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX * Date Opened : XX/XX/XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( 1 ) [ A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Debt collection

According to XXXX XXXX. Goodbye letter attached to complaint XXXX, XXXX was servicing the loan and reporting to credit bureaus on behalf of XXXX from XX/XX/XXXX - XX/XX/XXXX. 

XXXX also mentions I would receive a new account number from XXXX  XXXX in the Welcome letter. 

For 2 years, I have not been able to pay the student loan. XXXX has not had my account as XXXX claims. This loan has consistently reported unpaid every month without my ability to pay XXXX or XXXX. 

XXXX, PLEASE PROVIDE THE WELCOME LETTER AND NEW ACCOUNT NUMBER FROM XXXX THAT XXXX SAID YOU WOULD SEND. ( See Goodbye letter from XXXX attached ) THIS WILL HELP ME TO SEE HOW THE CREDIT BUREAUS RECEIVED DEROGATORY INFORMATION MONTHLY FROM XXXX UNTIL NOW. 

XXXX, provide a statement or account history of my account that you serviced from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX Now XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on Equifax Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on Equifax Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on Equifax Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiry on XXXX Credit Report XXXX XXXX XXXX XXXX  XXXX Unauthorized Inquiry on XXXX Credit Report XXXX XXXX XXXX  Unauthorized Inquiry on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report On XXXX XXXX the following companies had Unautorized Inquiries Reported on XXXX Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX On XXXX XXXX the following companies had Unauthorized Inquiries Reported on XXXX Credit Report : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX
Product: Debt collection

I sent a certified letter to the debt collector regarding the debt and needing an itemized statement and validation that the debt belonged to me. A contract with my signature and explanation of the charges. I got no information back but company reported the account closed so i thought the matter was resolved but than placed the account back on my credit report months later.
Product: Credit card or prepaid card

I have been a victim of identity theft /fraud I have report this over and over to American Express and XXXX XXXX XXXXXXXX and also XXXX bank I did not sign up for these cards. To save my XXXX XXXX, I went on payment plans. I needed to move out of my home. I have an active DVRO against my ex wife. She likely signed up for these cards without my permission. I have reported this to all the credit card companies. I have reported Fraud through my XXXX account. These credit card companies call me repeatedly to a point of me having a mental break down. I can not afford the debt, and I did not sign up for these cards. I never gave approval. I never even held these cards in my hand. My court filings also state this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding a copy of the application that was signed opening up this credit card. I want IP addresses, and proof from AMEX that I applied and wanted this credit card. I have never held it, used it, ever. This was opened by my ex wife without my permission! I demand proof that I opened this account, gave permission to open this account ( i did not ) and with a copy of the application with my signature. This is fraud committed by my ex wife. It does not matter if I lived under the same roof as her, I never gave permission to open any cards in my name! Please provide what I am asking for. I am on a payment plan for this card only to save my XXXX XXXX as I needed to move out of the residences per court order. I should never have done this, as Amex thinks that I am taking responsibility for this payment. I have not opened this card, used it, authorized anyone to open this in my name. I have never held this card in my hand, and do not know anything about it. I want this removed from my credit report and not be responsible for paying this anymore. Please I beg you all, to provide what I am asking for. I need proof from Amex that I authorized this card. I want to see my signature on the application. This is fraud! Please seek the truth in this matter. I simply can not keep paying for something I never opened up, used, or benefited from in any shape or form. I am paying on payment plan {$650.00} which is legit the other {$230.00} payment plan per month is not. That is the one I am referring to.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to submit a complaint and appeal regarding the permanent limitation placed on my PayPal account ( XXXX ). I strongly believe that this limitation is a result of a mistake, as I have not engaged in any activities that violate PayPal 's policies. 

Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user for several years, and I have always adhered to the terms and conditions outlined by PayPal. I have never conducted any transactions that go against your policies, and I have consistently provided accurate and verifiable information during my account usage. 

Regrettably, I was taken aback when I received the notice about my account 's permanent limitation. I have reviewed your policies thoroughly, and I can confirm that I have not violated any of them. Therefore, I kindly request PayPal to re-investigate my case diligently to rectify this situation. 

I understand the importance of maintaining a secure and trustworthy platform, and I fully support PayPal 's efforts in safeguarding its community from fraudulent activities. Nevertheless, I am certain that my account has been mistakenly flagged, and I am willing to cooperate fully with any investigation required to clear my account of any suspicion. 

Considering my longstanding history with PayPal and my commitment to adhering to your policies, I sincerely hope that you will reconsider your decision to permanently limit my account. Restoring my account would not only reinstate my access to essential financial services but also reaffirm my trust in PayPal as a reliable payment platform. 

I kindly ask that you give my appeal the attention it deserves and conduct a thorough re-evaluation of my account activity. I trust that your re-investigation will result in the reversal of this limitation, allowing me to resume my normal account usage without further disruption. 

Thank you for your time and understanding. I eagerly await your response and a resolution to this matter.
Product: Debt collection

15 U.S.C.1692C IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CUNSUMER REFUSES TO PAY A DEBT THE COLLECTOR MUST CEASE ALL COMMUNICATIONS