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

Contacted Sears home improvement, XX/XX/XXXX regarding floor installation. I schedule an appointment to meet with a representative, but the rep did not show after 2 1/2 hours. I contacted Sears to inquire about the no show. I was informed there was a miscommunication issue with the rep, and rep would arrive within 15 minutes. The rep never showed. We rescheduled another appointment on XX/XX/XXXX. I decided to purchase the floor from Sears through rep, XXXX XXXX, on XX/XX/XXXX. I signed paper work and applied for a Sears home improvement credit card. I was informed by MrXXXX XXXX, floor would be installed first week of XX/XX/XXXX. I waited 3 weeks, no call to schedule floor installation. On XX/XX/XXXX, I contacted Sears to schedule the installation. I was told by XXXX XXXX, " trying to get a crew together ''. Return call from XXXX XXXX, scheduling installation on XX/XX/XXXX between XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX installers had not arrived. I called the office, was told by XXXX workers had " a brake line issue '' and would arrive within 15 minutes. No previous contact from the Sears office that workers had vehicle problems. I waited, no show. Contacted XXXX again, he stated workers had a 2 hour window to arrive at work site. I was not informed of a 2 hour window. In the meantime I received a voice mail message from XXXX XXXX, XX/XX/XXXX at XXXX XXXX that workers would be arriving soon. I waited, frustrated and angry, I contacted XXXX XXXX   and XXXX and cancelled the work. XXXX stated that I would not receive a refund of {$1500.00} that I was charged to the Sears home improvement credit card. It should be noted, that I was sent a bill for {$1500.00} before any worked was scheduled, and I paid {$100.00} on that bill on XX/XX/XXXX. I contacted Sears credit services on XX/XX/XXXX requesting a refund of the {$100.00} payment, and requested to close the account, but XXXX informed me that I could not receive a refund, and my account could not be closed, and I needed work out the details with the Sears home improvement in my area. On XX/XX/XXXX, Mr. XXXX contacted me to inform me that everyone had been fired from the home improvement  office and only XXXX XXXX remained. XXXX XXXX informed me that he no longer for Sears as a sales rep. In my opinion I was misinformed, lied to and deceived by Sears from the start of the transaction in XX/XX/XXXX. They were going out of business, and were in transition. I should have been informed of this so that I could have made an informed decision regarding doing business with Sears.
Product: Money transfer, virtual currency, or money service

Well 's Fargo won't pay out the IRA from my parent 's estate to us because I am unable get medallion signature from anyone -- even them. I have spent hours and hours trying to get this and I am unable to. Not even from Well 's Fargo. So I guess they plan to keep my money- even though it's a relatively small amount. I am a busy professional, I have lost work time in my attempt to get that medallion signature. I even called their Estate Care Center and they couldn't help me!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

You claimed that the account was confirmed as being accurate. Please explain how you verify that the collections you are reporting with a past-due amount are accurate. I'm not requesting your help in finding out anything about me, including my address. Please describe in detail each step taken during this entire investigation and how long it took. 

Please provide me with the name, contact information, and email address of the associate who oversaw this inquiry. 

XXXX XXXX XXXX : XX/XX/1996
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX  Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

I am filling a report against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute numerous submissions Equifax consistently responds in less than 24hrs stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I would ask that CFPB take action to ensure that Equifax is complying with federal law and provides consumers with necessary proof of investigation
Product: Debt collection

XXXX /Southwest Credit System reported a debt of {$300.00} owed to XXXX XXXX and XXXX. The debt is not owed by me. I have no knowlege of such debt. XXXX/Southwest Credit system failed to contact me prior to putting this on my credit reports. As such, it has failed to follow the Fair Credit Reporting Guidelines. Please delete it from my credit files,
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal.

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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.

Equifax, TransUnion, and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at www.ftc.gov. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, my wallet was stolen from my work around XXXX and my Chase card was used for unauthorized transactions later that night around XXXX and around XXXX on XX/XX/XXXX. I filed a claim with Chase ON XX/XX/XXXX to dispute it and the dispute was denied on XX/XX/XXXX. These transactions were denied, but these transactions were not authorized by me. 

1. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : {$10.00} 2. 
XXXX XXXX XXXX # XXXX XXXX XXXX CA XX/XX/XXXX : {$18.00} 3. 
XXXX - XXXX XXXX XXXX CA XX/XX/XXXX : {$27.00} 4. 
XXXXXXXX XXXX XXXXXXXX CA XX/XX/XXXX : {$50.00} XXXX. 
XXXXXXXX XXXX XXXX XXXX CA XX/XX/XXXX {$61.00}
Product: Student loan

My loans were erroneously put into a Graduated repayment plan in XXXX of XXXX. I did not sign anything and I understand that the law states I was required to before they made any change. They should have remained in an Income-Driven plan. The person on the phone gave me bad information. Even though I submitted new XXXX XXXX ( XXXX ) in XXXX of XXXX and filed a complaint they are still not fixed. Now they are in forbearance and still say Graduated.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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. 

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.
Product: Money transfer, virtual currency, or money service

I routinely transfer funds from my Money Market Account to Pay Down my HELOC. I do these transfers online, and both accounts are at First National Bank. The transfer out of the Money Market account occurs instantly, but the pay down of the HELOC account can take days to weeks. In the interim, it is not clear what is happening with these dollars. I lose interest on the withdrawn funds immediately, while I continue to pay interest for days to weeks on the HELOC. Is this a normal banking practice? Does it warrant a complaint? Should this be a class action? This involves a loss of a few hundred dollars per year for me, but if magnified across the entire customer base, it could be a very, very significant loss of dollars for the customers and unwarranted gain to the bank.
Product: Debt collection

This XXXXXXXX XXXX XXXX account have several issues. First of all, I was a victim of fraud as someone use my account information to make unauthorized transactions. This account had two different account numbers and the balance is inaccurate. There were two different collection agencies with different balance trying to collect on inaccurate balances. In addition to the most recent Debt Collector Agency Credit Corporate Solutions has threatened me in writing to take legal action against me for this inaccurate debt. This account was removed from my credit history due to my dispute request. However, it mysteriously just recently appeared back on my credit report.
Product: Checking or savings account

I might have been overdrafts a XXXX and all of a sudden I see a few overdraft fees. I have supplemental income from the treasury department.
Product: Debt collection

I HAVE TOLD THEM NUMERUS TIMES TO QUIT CALLING ME AND THEY KEEP CALLING ME ON MY WORK PHONE
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' EXPERIAN 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. '' ( XXXX XXXX XXXX ) is a financial institution by definition 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. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies EXPERIAN 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 EXPERIAN, XXXX, ( XXXX XXXX XXXX ) 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. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may 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 1681s2 ( 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. EXPERIAN 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 XXXX XXXX XXXX reporting services.
Product: Credit reporting or other personal consumer reports

XXXX credit report company has been violating my consumer rights under federal laws. XXXX add a Collection account on my credit report on XXXX XXXX, and this collection shows as Open on XX/XX/XXXX, they added on XXXX, XXXX. After that they closed this collection account as Closed Status, on XXXX XXXX and one more time was changed to Open Status, for them without my consent on XXXX XXXX, even the creditor name is incorrect and as federal laws requires any inaccurate information has need to be removed from my credit report and they refusing all the time, this is illegal, creditor name is XXXX XXXX and XXXX shows as XXXX XXXX XXXX, information is not accurate also the add this collection account on my report on XXXX XXXX and collection is supposed to be added on XX/XX/XXXX, they added 2 years later, this is illegal, and they do this without mi consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX  paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.
Product: Credit reporting or other personal consumer reports

They did not take care of what I asked, which was to delete inaccurate information off my score.
Product: Credit reporting or other personal consumer reports

I am writing in response to your investigation results regarding the late payment reported by XXXX XXXX  on account number XXXX. While you have provided me with payment history and account details, this does not constitute full verification under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which mandates that a credit reporting agency must establish and follow reasonable procedures to ensure the accuracy of the information it reports.

Additionally, I must bring to your attention that there are two specific late payments reported on this accountdated [ XX/XX/2020 ] and [ XX/XX/2020 ]. These payments were, in fact, made on time, and the reporting is inaccurate. Even more troubling, the other major credit bureaus correctly report this account as Paid on Time.

I respectfully request that you conduct a thorough investigation by : Contacting the creditor directly to confirm the late payment and obtaining specific documentation to substantiate its accuracy, providing me with the name, address, and contact details of the data furnisher, and confirming the specific records and methods used during the verification process.

If you can not provide adequate proof of the accuracy of these reported late payments, I request their removal from my credit report as required by law.

Thank you for addressing this matter promptly. I look forward to receiving a written response detailing the steps you have taken to ensure compliance with the FCRA.
Product: Credit card

I recently reviewed my Capital One interest rate only to learn it has increased in the upwards of 32.24 % which is high considering I have 2 credit cards and the interest rates are less than 19 %. I contacted Capital One today, XXXX and I was informed that they do not lower interest rates. Now Im wondering just how high will the interest rate go and are these fair billing practices. Thanks for your time. A concerned consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit dispute was filed with Experian XX/XX/XXXX involving reporting by XXXX XXXX. Debt was paid in full XX/XX/XXXX receipts and proof of payment, plus court documents were furnished to Experian on date of dispute filing. On dispute outcome creditor still reported debt unpaid as of XX/XX/XXXX even though supporting documentation was provided to both credit agency ( Experian ) and creditor ( XXXX XXXX ). Inaccurate information allowed to remain even with supporting documentation.
Product: Checking or savings account

I am Writing to file a complaint against navy federal credit regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially having available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed collections ans charge offs that I did not approve anyone to pull my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX XXXX XXXX DAYS to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX CAPITAL XXXX Account Number : XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

I received a phone call from contract callers inc. Saying i had a XXXX insufficuent funds check from XX/XX/XXXX of {$370.00} that needed to be paid. They said the check was from XXXX and i have never had an account with this bank. I told the man must be a mistake because this is XX/XX/XXXX and if i owed XXXX money i would not still have phone service 7 years later. Must be a scam ... trying to get money over the phone ...
Product: Mortgage

I HAVE BEEN TRYING TO GET A MODIFICATION WITH MY MORTGAGE COMPANY US BANK BUT I KEEP GETTING THE RUNAROUND. I FAXED MY A COMPLETE PACKET 100 TIMES THEY DENIED ME FOR NO REASON REFUSE TO HELP WHEN I ASK QUESTION TELL ME IM DOING PACKET WRONG BUT WHEN I ASK WHAT IM DOING WRONG THEY SAY " WE ARENT ALLOWED TO TELL YOU HOW TOP DO IT '' IM TRTYING TO KEEP MY HOUSE BUT THE BANKS WONT HELP!!!!!!!!!!!! US BANK IS IMPOSSIBLE TO DEAL WITH. I CANT GET A SUPERVISOR THAT IN THE COUNTY I CANTR UNDERSTAND THE PERSON ON THE PHONE ( FOREIGN ) I CANT GET ANYWHERE