23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a charged-off account listed under XXXX XXXX/ XXXX on my credit report. This account has been continuously verified without providing substantive evidence of its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), and l am demanding immediate action to ensure compliance. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of any information reported. To date, you have failed to provide evidence that the debt in question has been properly verified. Without such verification, this account should be removed from my credit file immediately.
Product: Credit card or prepaid card

I have tried for 3 months to pay a bill. I sign in with my email and I get a different credit card # and balance. I have reached out to Kohls by email, live chat and by calling customer service. The first time the rep said they fixed it so I could go online and pay my bill. This last time I called 3 times requesting to speak with a supervisor. Each time I am xfered to a voice mail XXXX XXXX, at home I am at my wits end. The reps speak broken XXXX and do not understand what is wrong and a supervisor is not an option. What can I do to get this fixed if I can not speak to someone at kohls credit?
Product: Credit card or prepaid card

I requested a Credit Report in XX/XX/XXXX and noticed there was a charge off/ account listed from Bank America , it was also reporting an address " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that I have no knowledge of nor association to. I have NEVER traveled to, lived or known anyone in MA. On XX/XX/XXXX, I called Bank of America to see why they were reporting this address and this debt. I spoke to the fraud department who advised they were unable to assist over the phone and i had to visit a branch and submit two IDs. I advised the lady XXXX XXXX XXXX XXXX XXXX XXXX and there were no Bank of America branches anywhere close by or located in my area. On XX/XX/XXXX, based on some videos I watched on XXXX advising of what a charge off is I wrote to them asking them to send me a 1099c as required by law when a debt is charged off. This was sent via usps Certified Mail with a Green Return receipt and Tracking Number : XXXX with a green return receipt, Tracking number : XXXX. I did not receive back the return receipt but the tracking shows where the letter was received by a person on XX/XX/XXXX. It has been past the mandated FCRA 30 day period and I have received no feedback from Bank of America. 

I made a report on the FTC and On XX/XX/XXXX, I also sent them a letter advising them of suspected identity theft on my account based on the balance which I am unaware of and the address it is reporting which i have no knowledge of or association with. This was sent via usps Green Return Receipt, Tracking # : XXXX. Return Receipt # : XXXX. This was delivered on XX/XX/XXXX. I have received no communication at all from Bank of America on either correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do recognize a address on my report. I have been a victim of identity fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been using myFICO for credit monitoring for years with no issues. On Sunday XX/XX/XXXX I tried to upgrade to the higher tier of credit monitoring and the order failed because of the information provided to Equifax did not match what's on their end. This is the same information that has been sent to them for years. 

I called myFICO customer service this morning ( XX/XX/2019 ) and I was told that Equifax refused to release my information. I also called Equifax and they said they could not see any issue on their side. 

In order to verify this wasn't only a myFICO issue, I also tried to sign up for the XXXX monitoring service that includes Equifax and XXXX. That order also failed because Equifax is not releasing the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

PayPal account : XXXX On XX/XX/XXXX, XXXX XXXX sent a payment for {$1300.00} for a XXXX ceritified diamond ring with 14k gold band via PayPal goods and services absent of a description. I contacted PayPal the same day asking if I should ship because the buyer didnt put a description and they advised me too. However, the buyer also filed a chargeback the same day he sent the payment without giving me time to ship. After I shipped via USPS, the buyer claimed that he received a worthless item and XXXX. After this, the buyer changed the reason for his chargeback and PayPal refunded the payment in full, leaving me to pay the transaction fees. However, I have photo and video evidence of me shipping the item out and communication directly with the buyer on what he purchased. PayPal did not even ask the buyer to ship the item back under the reason that he claimed what he received was worthless which is fraud on both the buyers end.
Product: Payday loan, title loan, personal loan, or advance loan

XXXXm receiving junk mail from Sun Loans coming from XXXX XXXX Missouri. I have asked this business numerous times to stop sending me junk mail since XXXX of this year. They continue to do so. My address is registered under Opt Out for pre screened offers and this is the only company that is continuing to send me junk in the mail and not obeying the laws. I want them to seize of sending me junk in the mail. Im tired of contacting them repeatedly. I will not ever do business with them so sending me these notices will not change my mind.
Product: Debt collection

This company is breaking the law trying to collect on a debt that has past the statue of limitations and trying to impersonate law enforcement to get paid this company knows they are not suppose to collect or try to collect a debt more than 7 or 8 years old breaking the law and violating the fair credit act of all 50 states
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1861 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) no consumer reporting agency may also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s 2 ( a ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. '' I am opting out of your reporting services. Under 26 USC 108 SEC.
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting CREDIT ONE BANK somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Checking or savings account

I decided to use the bank of America mobile banking app to photograph my paycheck and have it deposited into my checking account since my new employer doesn't offer direct deposit. I did this onXX/XX/2024 which is a Friday. My funds are being held and will not be available in my account until XX/XX/2024. 

XXXX days is an incredibly long time to wait for a check to clear. It should be XXXX business days. 

My deposit information states that any charges that automatically come thru will be covered by said deposit by XX/XX/2024. That said, why is the deposit amount untouchable by my until XXXX days after. 

The whole thing stinks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX ( aka XXXX XXXX ) is reporting my accounts as being charged-off. However, I have been making payments through XXXX XXXX XXXX, every month, since XX/XX/2017. The creditor is reporting a charge-off, even though I have been faithfully making the payments on a proposed payment arrangement that THEY REJECTED. At the advice of XXXX XXXX XXXX, I made the payments, regardless. They have accepted those payments, because since XX/XX/2017, they have not issued any refunds of the payments ; however, they continue to perniciously report these accounts as a charge-off. The documentation indicates they are now acknowledging payments, but deny the dispute I have submitted at least five times through all three credit bureaus. The erroneous reporting continues to adversely impact my overall credit rating and credit scores, which paralyze my ability to do anything, even though I earn an adequate salary to become a home-owner.
Product: Credit reporting or other personal consumer reports

Equifax Is In violation of law code 15 U.S.C s 1681 Improper use of my personal information INQUIRIES 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: Debt collection

They call excessively, either daily or multiple times a day. I have advised them of the excessive phone calls and have been making payments on the account however they still call too much!!! Just on XXXX XXXX they called at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I expect additional calls today as they just do n't stop calling even with arrangements set up. I previous to that received a call on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. This is for an amount of {$200.00} and some change owed to Wells Fargo Bank. They literally call everyday except Sunday 's and Holiday 's. This is an extreme nuisance and I have arrangements setup with them to pay {$25.00} every 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's website to know whether you account has been comprised states that it well tell you if your account was compromised or not. When I submitted my info it only gave me a date and deferred me. It did not tell me what the impact was like it claimed to do. Now I have to wait till the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX this account is too old it should be removed from credit report XXXX XXXX fraud XXXX XXXX  never late XXXX XXXX credit cards never late XXXX XXXX  never late
Product: Student loan

I did not understand the interest on the balance, my account is in deferment because I am still in school but my account is stating I have to start making payments in XXXX.
Product: Debt collection

On XX/XX/2021 I received a letter from Midland Credit Management stating that I owe {$1000.00} for a contract that I never signed with them. Under the consumer law I consider this identity theft because they purchased my information and now trying to get money from me and have been reporting to the credit bureaus which is bringing my score down. XXXX XXXX XXXX sold my information to this company which is illegal under consumer law 15 u.s. 1681 and 15 u.s. 1692a
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, I bought into a special discounted rate for season passes at XXXX XXXX over Georgia and paid {$64.00} total that day on a {$150.00} total price ( {$40.00} of which was not required ) On XXXX XXXX and XXXX XXXX my card was charged {$14.00} both times for a total of {$94.00} in all, sometime in XXXX my credit cart company sent a notification about a charge to my card I had not made. 
That card number was canceled and I got a new card, for whatever reason it took me XXXX or XXXX weeks to get a new card, ended up with XXXX replacement cards showing up all at once within the same week. 

XXXX XXXX emailed me about the card not working, I responded with a explanation as to why and what was taking place ( I 've yet to set foot within XXXX miles of the park yet ) Once I did get a replacement card in hand I tried finding the email from them to give the proper card info. I looking for email, I found XXXX from them stating my privileges for said passes had been deleted or restricted. 

From the time I bought tickets until this, my XXXX had a XXXX, would n't be able to go anyway. I decided to accept the {$94.00} loose on the {$150.00} purchase ( with only {$59.00} left to pay ) and move on. 

then I was notified by Equifax that my credit score had taken a hit due to a account being placed into collection?? I had no idea what this was due to only that my score took a XXXX+ point dive. I found the issue with XXXX and reported it to them, since then nothing has been done as I expected. 

p have XXXX issues on my credit report that are incorrect I have sent documentation showing this, nothing happens to fix it or worse it gets handed over to a different collection company to hit my score again, I 've been dealing with some of these issues since XXXX I kid you not. 

I 'm tied of spending money trying to fix this, talking to people who cant or wont fix issues where I have shown them documents proving my case only to hear " we only report what they sent us, their report outweighs your conflicting dispute info. 

In XXXX I had XXXX disputes where both XXXX XXXX XXXX and XXXX both said I owed them {$480.00} for a cell phone, sent receipt where it had been returned within time limit, they answered each dispute with a new collection agency for Years XXXX my credit score taking a XXXX point hit each time, XXXX times each year times XXXX, well over a XXXX point hit. I finally contacted the FCC and they fixed the issue neither company or Equifax would fix BUT I never got any points put back to my account that were stolen from me. 

the whole big XXXX credit reporting agencies I paid well over {$2000.00} to over the last XXXX  years has beena waste and a bad joke and to add to it, they do not care.
Product: Credit card or prepaid card

In XXXX of XXXX, my account had been paid in full. 

In XXXX and XXXXXXXX XXXX XXXXXXXX, there had been fraudulent charges on my account. I didn't notice these until XXXXXXXX XXXX XXXXXXXX when I received a statement, claiming I had a balance past due. 

From XX/XX/XXXX to XXXX of XXXX, I had once or twice a week to report and resolve the charges. I had closed my account, and reported all charges, which were incorrectly flagged on their end. I continued to received notices of late payments and interest being charged to the account. 

There is currently a {$330.00} balance on my account consisting of late fees and interest from the fraudulent charges, that is still showing as 'Unresolved. ' I was instructed by Barclays to not make a payment, as they would resolve the fraudulent activity and all fees associated with it. 

I've asked for communication in writing, and Barclays refuses and says that is not possible. 

My account is closed, yet I have collections still reaching out to pay the balance, and it still shows up on my credit report, claiming that I am delinquent on this account. 

I've never missed a payment or been late on anything tied to my name, so it is beyond frustrating that I am still in a position of needing to fight for this to be resolved. It impacts my power as a renter when looking for a new home, or power to be able to open additional accounts in my name, yet I'm constantly reassured by Barclays that this is being worked out, however, is still unresolved all this time after initially reported.
Product: Credit card

Around XXXXXXXX XXXX I was approved for 4 Truist Credit Cards with a limit of XXXXXXXX XXXX each. When the credit cards arrived I've started using the credit cards putting balances on each card. Suddenly before the second payment was due I find out all of my credit cards were blocked. 

When I called to find out why, Truist tells me it's been closed. They're reason for closing all of my credit cards was because of a charged off checking account from 8 years ago with a negative XXXX XXXX  balance. I was in college and completely forgot I had a bt & t account with them. I immediately paid the balance and tried to get my accounts back. I was told they're going to keep all credits cards closed. I would need to pay it off and reapply. 

My credit utilization rose to over 200 % because of this. I no longer have access to card and stuck paying without access. The problem I have with this, why let me get approved, used the card, and pay before finding out that you wanted to close it. 

Because of cash advances and the high balance it says it would take years to pay off. 70 percent of the amount paid is going to interest. This is certainly hurting my credit report with high utilization and keeping me in debt.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit. I want these inquiries deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Capital Big Lots Comenity Capital XXXX Comenity Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX