23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Around the end of XX/XX/XXXX I went on to the kohl 's credit card mobile website to change my bank account information. The only place I could see to do this was under " payments. '' I added my new bank information and deleted the previous bank account. Nowhere on the website did it notify me that if I was using the autopay feature that I would have to change the bank information in a different part of the website for the autopay to use my new bank information. The autopay charged my old account on XX/XX/XXXX. Because I wasn't expecting money to be taken from that account, I had nothing in it to cover the payment. I was then charged an overdraft fee of {$35.00} from my bank. When I saw this I called the kohl 's credit card phone number and spoke to XXXX. I explained the situation to her, and though she acted like she understood, she also rudely stated that most customers know to go in under autopay and change the bank information there as well. Apparently the " payments '' feature was for one time payments only. When I first signed up with autopay all I did was click a button to turn it on and it automatically populated the bank information from the payments section. I tried to ask why it didn't automatically do that again when changing bank information but she didn't have an answer. She tried to help me change the information under autopay but on my end there was nothing to change. She then had me get on a desktop computer to try. I didn't have the password to my kohl 's credit account saved on that computer so it locked me out even after creating a new password. Herself and two others tried to unlock my account but were unsuccessful. I was told to call back another time to try again. At that point I had already been on the phone for 30 minutes and in the end there was no resolution. I believe this to be unfair billing practices and intend to pursue this to the highest level I have to. There needs to be a warning that changing bank information on the payments tab does not change it for autopay. In addition, the mobile site needs updating as it clearly can not show important information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XX/XX/year> Westlake Portfolio Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Subject : Dispute of Inaccurate Credit Information Civil Liability for Negligence under 15 U.S.C. 1681o Dear Westlake Portfolio Management I am writing to formally dispute inaccurate information that has been reported on my credit file. This letter serves as notice that [ Credit Bureau/Creditor ] has negligently failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which provides for civil liability when an entitys negligence results in harm to a consumer. 

Disputed Information : Account Name/number : Westlake Portfolio Management XXXX XXXX ) Nature of the Error : [ Explain the incorrect information and why it is inaccurate ] I have previously attempted to resolve this matter by [ mention prior disputes, if any ], yet the inaccurate information remains on my credit report. This failure to correct or investigate the disputed information in accordance with FCRA guidelines constitutes negligence. As a result of your non-compliance, I have suffered [ mention any financial harm, denied credit, increased interest rates, etc. ]. 

Legal Obligations & My Rights : Under 15 U.S.C. 1681i, credit reporting agencies and furnishers of information are required to conduct a reasonable investigation of disputed items. Failure to do so is considered a violation of my rights under the FCRA. Furthermore, under 15 U.S.C. 1681o, any party that negligently fails to comply with FCRA requirements is liable for : Actual damages sustained by the consumer, Court costs and reasonable attorneys fees, if legal action is necessary.

Requested Action : I formally request that you : Conduct a proper investigation into this dispute. 
Remove or correct the inaccurate information. 
Provide written confirmation of the corrections. 
Supply me with an updated credit report reflecting these changes.

If you fail to comply with the FCRAs requirements, I am prepared to pursue all legal remedies available to me, including seeking damages under 15 U.S.C. 1681o. Please consider this letter a final opportunity to resolve this matter amicably.

I expect a response within the legally required 30-day timeframe. Please send all correspondence to my address listed above. 

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

Nearly two months, I mailed Experian a letter asking them to correct errors on my credit report. Nearly 2 months have past, and I have yet to receive a response from them.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Shellpoint Mortgage declared they had a " system issue '' during the last five months of trying to get my payment history straight. During the dispute, I kept receiving apology letters from them asking for more time to resolve. They would not give me answers over the phone. During the dispute, they reported me as late on my credit report, causing my rating to drop from XXXX to under XXXX. They finally corrected my report last week, but have caused me money damages by their unfair reporting since they had copies of my proof of payment and reported me late anyway. Now my first mortgage has increased for the entirety of XXXX  as they base their rate increase on MY CREDIT RATING. I was also turned down for credit to replace my gas furnace that broke and needs replacing and we've been without heat while looking for a proper loan. Under the Fair Credit Reporting Act, this bank owes me damages. I am looking for your agency to acquire damage payment to me.
Product: Credit card or prepaid card

On XX/XX/XXXX  the IRS sent my refund to Cash AppXXXX XXXX  XXXX When the funds never arrived to my account I contacted the IRS on XX/XX/2023 and the initiated a trace after I reached out to Cash App multiple times to have this resolved and all they do is give generic responses that do not help. My tax preparer left the last 4 numbers off of my account number so as to where this money is and why it has not been sent back to the IRS is the mystery. And the fact no one from cash app is able to help is concerning because of the IRS sending out something to them and no one is responding. I need the money returned to the IRS so they can send me out a paper check. After speaking to IRS today XX/XX/2023 and being told they still have not heard a response from cash app and the money still has not been returned and speaking to cash app yet again with no help, I am now wanting to escalate this issue. The IRS sent my refund in the amount of XXXX to cash app on XX/XX/XXXX  and although the account number was missing digits, me and the IRS have made contact to get the funds back and still no money has been returned
Product: Bank account or service

My ex-husband opened an account for our XXXX child using his name and hers with Wells Fargo Bank. He subsequently has incurred a bank levy for unpaid registration fees on his vehicles. The levy attempted to garnish the account but there were no funds in the account so the bank assessed a {$120.00} processing fee for the levy. My ex-husband does not have legal or physical custody of XXXX our children. I went to the bank with my legal documents to have them remove our XXXX child from the account and they have said that while she is able to provide consent to be added on the account she is not able to revoke consent. They informed me that she can only be removed from the account by her father and the account can only be closed once the {$120.00} fee is paid because the account is for minors only. I do not agree with this position. She should be able to revoke consent to be a party on the account at any time, regardless of if the account is " for minors '' or otherwise. She did not personally incur the levy on the account and so she should not be held responsible for her fathers poor financial choices. He, in my opinion, is unlikely to pay the levy or the processing fee and this account is likely to go to XXXX. If it comes to that, it will negatively affect her credit. She is a minor and she can not, in my opinion, grant legal consent to be engaged in financial transactions such as bank account creation. This is why minors are not allowed to open credit accounts.
Product: Checking or savings account

Lead Bank or self bank issued cds of which I had paid of approximately XXXX of these cds with this bank in the past but after paying off this cd they said they required Identification to verify that it was really me government requirement, so I complied I sent the ID and the ss card but the problem came with my bank accounts every time I downloaded these accounts they would not accept the formate I loaded them on so I had my administrative assistant do it on several formates then I called the bank and had them try and assist me which was never successful so then they gave me a email address to send it to, I thought this was successful this was what we were told at- the time. I had sucessfullly completed and payed these cds off in the past and feel like this is excessive they do not require this ID to take funds out of my account, THANK YOU FOR ASSISTING ME IN THIS MATTER, XXXX XXXX XXXX
Product: Credit card

I left for XXXX en route to XXXX School on XXXX XXXX 2015. I believed my Chase credit card had been completely paid off, however there was a pending charge for {$30.00} that did not post until I had already entered XXXX. As XXXX is an " immersive '' environment that prohibits access to the internet, I did not know about the pending charge or the subsequent " late payment '' levied on my account until after XXXX. I now have a late payment mar on my credit, the only negative record on my credit history. 
I reached out to Chase as well as the credit reporting agencies to explain the nature of what I thought was a minor issue, but all of the involved parties have declined to address my concerns even after I provided documentation of the timeline described earlier. It appears to be a simple fix for an incredibly small amount of money that continues to hold back my credit rating.
Product: Credit card or prepaid card

XXXX Said they are changing how cards are paid ( etc ) Told me i would receive new card on or before XX/XX/2021, no card .... then was told it would be mid XXXX ... still no card ... then told mid XXXX for different card, still no card, then told end of XXXX, finally last week of My, Received new card, told to activate and register card, activated same, tried to register, would not take any info, called them. they registered on phone thru customer service,, still can not access card. However they said theyll take payment over phone ... ha. BTW intertest was added throughout time i could not use card ... .. this is unfair credit practices. please make them treat me fairly, i am a senior ... XXXX XXXX XXXX.
Product: Debt collection

I contacted and got no results. I mailed them a letter and asked to show proof of this account. They could not show proof I asked them to remove
Product: Checking or savings account

In XXXX XXXX I paid my car note however I addressed to the wrong people and they sent me my money back in a check form for me to cash and put back in my account and I tried at the bank branch and they said no I cant. So I called the number on the check and it directed me to my bank. The check was XXXX it was withdrawn from my account and they denied me the money Im entitled to. In the check it says it will be coming back in 90 days if not cashed so now Im XXXX short and they are once again not acting right so.. Im here to say this bank is withholding me from my OWN money. Capital One is trash.
Product: Debt collection

They still have not placed me into a payment plan like other cardmembers and now they are illegally allowing criminals to access my American Express account online. Criminals have now gotten onto my account and made two illegal payments of about {$300.00} from my XXXX account. I was in agreeance to lowering the credit limit and entering a payment plan of about {$55.00} a month for two Amex cards if they are re-opened. It seems like some XXXX, XXXX or other people related to the CEO are logging into my account and making very large payments to my account without my knowledge. Why does the CEO allow such large payments to be taken from my account when my account is closed? When I had my account opened I paid the normal monthly balance like other clients? I never had a problem with my account until I entered the XXXX  in XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics. I'm trying to qualify for a home and provide for my family and these inaccurate accounts have been detrimental to me because I can't qualify for the loans.
Product: Payday loan, title loan, or personal loan

First of all who the heck is XXXX XXXX. They are asking me for personal information I am not comfortable with and that is why I contacted the FTC. I also had someone call me claiming to be from the IRS and my wife called them back and the were with XXXX XXXX so may be instead of harassing me you should check your employees. 

They have my wife 's number and they have a work email that she has not used for awhile. Usually only junk comes through on this email. 

My wife has a business account that you tried to access, nothing came through. We were notified right away.
Product: Credit reporting

I received a notice from XXXX that XXXX XXXX Banking at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX inquired on my credit report on XX/XX/XXXX however, I never granted them permission. This shows as a soft pull but I still feel it 's a violation. They were included in a Chapter XXXX BK I filed in XX/XX/XXXX and feel that they are " checking up '' on me. They were very nasty to me when they found out I filed Chapter XXXX back in XX/XX/XXXX and I am positive I have not given them permission for any credit pulls since then.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX or 15 U.S.C. 1681c-2, that you, the EQUIFAX XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

hiIhavecontactedloancarellcnumeroustimesinquiringtoseeifwecanaddourwaterandsewerassessmenttoouraccount.Icalledcustomerserviceseveraltimesandwasadvisedtosendacopyofmydocumenttotheemailaddressthatwasprovided.ihavecalledseveraltimescheckingonthestatus.ihaveyettoreceivearesponse.Wewouldliketoknowifwecanhaveourwaterandsewerassessmentescrowoutofouraccount.howeverasalwayswehaveyettoreceivearesponse.Thiscompanyhastheworstcustomerserviceandfollowup.whatsthepointofhavinganemailboxtoaskquestionsifyournotgoingtotakethetimetorespond.
Product: Credit reporting

I recently received a copy of my credit report. The credit report showed a credit inquiry by Sallie Mae Bank that I do not recall authorizing. Sallie Mae should contact me before placing an inquiry on my file. I am fraud victim and my credit file indicates to contact me before pulling my credit file. Sallie Mae should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file. I have spoken with Sallie Mae representatives to remove inquiry and they agreed to remove but I did not receive any letter from Sallie Mae to indicate that.
Product: Debt collection

To Whom It May Concern, I have not heard back from you in over 30 days since my formal written notice of dispute dated XX/XX/2024 ( copy enclosed ), and you have not supplied the demanded proof of the alleged debt. 

Under the doctrine of estoppel by silence, XXXX v. XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. 

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Product: Mortgage

I received a notification on XX/XX/2022 that my Homeowner 's Insurance ( XXXX ) was cancelled due to non-payment. Contacted PennyMac on XX/XX/2022 to confirm payment was made from my Escrow, they advised it was just paid on XX/XX/2022 ( though online system says XX/XX/2022 ). Pennymac tried to contact insurance company, but was unsuccessful due to it being a Saturday. Contacted Pennymac again on XX/XX/2022 to find out what happened. They confirmed the above and contacted the insurance company. Insurance company advised they did not receive payment, policy is lapsed and I'm not covered. Only option to reinstate at this time was to pay {$450.00} or wait until Pennymac 's payment was received. Considering this is not my fault, Pennymac should look to make this right ASAP and not wait for the payment to be received, including incurring all costs to reinstate immediately. XXXX has confirmed they will reinstate back to XX/XX/2022 as long as Pennymac 's payment is recevied by XX/XX/2022, however will not provide any coverage for any loss until payment is received. Pennymac also advised I will need to continue to follow-up with the insurance company to validate the payment is received, taking no responsibility for the delay and cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Saturday, XX/XX/22 I logged in to see my credit score with Equifax and noticed that they dropped my credit score by XXXX points because I paid off my mortgage in XXXX! Not only did they do this, but they removed other paid off loans that should have stayed on my report, I was 100 % on time with my payments, but that all got wiped out!! Im in my XXXX and recently widowed, I was married for many years and my husband and I took out many loans which were paid off before they were due! I filed a previous complaint, but all they did was avoid the problems listed and didnt answer any questions as to why! In fact, they put the exact same response as XXXX did! So, Ill number the items that need to be addressed and I want a direct response to them, not a lot of skirting around the issue! 

1 ) I want my score brought back up, immediately to where it was!

2 ) I want paid loans that you removed put back on my report that you had no business removing because it shows my credit history! The less it shows, the worse the score, obviously!

3 ) I want my credit history to go back to what it was, you are lying to people that view my credit history when it says only 5 months! Youre slandering me!

4 ) One of your representatives told me that I have credit card opportunities so I should get some credit cards to rebuild my credit! This tells me that you are in cahoots with credit card companies and are pushing people into debt further! I am filing complaints with other government agencies because there needs to be an all out investigation done with all of the credit bureaus. I am also filing complaints because I am XXXX and a widow, I am being discriminated against.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>