23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We are having a problem with Capital One Bank and Menards. We opened a Menards credit card with Capital One to buy kitchen cabinets. The cabinets on display, which we fell in love with, were a higher quality than the exact same cabinets we purchased. The cabinets we received had staple marks on all the finished end units. XXXX cabinet had the toe kick plate missing. Another cabinet had an exposed nail bent over sticking out of it. When we brought it to the managers attention, he said this has never happened before. Yet, he said he would order us new cabinets to replace the damaged cabinets. However, the replacement cabinets would arrive with staple marks showing on all end cabinets. He ordered us skins to put on the end cabinets ; which we had to pay our installer to cut down to size and install. This was not told to us by the salesperson. She obviously wanted a sale so she omitted pertinent information we needed to make an educated decision. We still had issues with the cabinets and called Capital One to let them know what kind of company they were representing. They stopped taking and returning my calls after XXXX told me that Menards would have the cabinet company call me to fix the problem. To this day, they have n't called. I have since received a letter from Capital One stating that Menards did nothing wrong and my account would be removed from disputed status. Menards and Capital One must have one sweetheart deal going. Stick together and stick it to the customer! In my opinion, Capital One is now an accessory to fraud. Menards is refusing to partially reimburse me for all the aggravation and frustration we are going through, not to mention the extra money we had to pay to have our contractor install the corrections. They wo n't even exempt my account the late charges and fees accruing since I refuse to pay until the case is really settled to my satisfaction. I am hoping you can help me. Pictures are attached. XXXX picture shows the corrected skin installed that was n't cut exact and is now noticeable.
Product: Mortgage

While in active bankruptcy in XX/XX/XXXX, Nationstar offered us a loan modification that was fraught with problems. We had been in a " predatory, '' adjustable rate mortgage. 

To start with, we didn't receive the offer until the day it was proposed to start, XX/XX/XXXX. 

There were many, repeated inconsistencies and instances of contradictory information involved with the offer, including whether the payments would be interest-only, or principal and interest. Over the next many months, I attempted to verify what the exact terms would be, including start date, payment amount and to where payments should be sent. 

These terms were not clearly defined until the court filings began to discharge the BK in XX/XX/XXXX. In the filing, Nationstar listed the terms as 2 % interest, principal & interest monthly payments of {$750.00} over 262 months, with remaining balance due thereafter. The filed exhibit is attached. 

The discharge was approved by the court in XX/XX/XXXX. 

Since then, Nationstar has filed a motion to reopen our BK case, in order to change the terms from what they have termed a clerical error. The terms listed with the court were delivered to us many times since the original loan mod proposal, both vocally and in writing. 

Nationstar is claiming an arrears we owe, and that amount has never been sufficiently explained to us. In addition to uncollected mortgage payments ( some were returned ),  they claim " legal fees '' and inspection fees, none of which have been clearly revealed. 

In addition, Nationstar is basing the arrears on the pre-loan mod adjustable rate mortgage, not the lower modified payment amounts. Since XX/XX/XXXX, the past due amount has doubled with little or no justification. 

A claim Nationstar has made is that since we defaulted on the XX/XX/XXXX modification by being one month delinquent, the loan mod is void. However, that agreement originally set to start XX/XX/XXXX, wasn't fully executed and delivered until XX/XX/XXXX, leaving us no chance to make a payment in time. 

Further, prior to the full execution of the loan mod, I was told on more than XXXXne occasion that the start date would be pushed a month or two or more ahead. 

We have filed an opposition to Nationstar reopening the BK case to change the terms of the XX/XX/XXXX modification. A trustee sale date of XX/XX/XXXX is on hold, pending a new loan mod application. However, any mod offers since XX/XX/XXXX have offered little to no savings at all.
Product: Debt collection

PRA is reporting a debt on my credit reports and I never received any notice of my right to dispute. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. PRA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/year> on XXXX  to resolve the issue with the Macys charged-off. My request was declined.
Product: Mortgage

In 2002, while I was XXXX a bank that is now known as Wells Fargo issued a home equity loan to a third party and used my property as collateral. This third party showed no ownership of this property located at XXXX XXXX XXXX XXXX in XXXX, XXXX Wells Fargo is now foreclosing on this loan. I tried to address this situation through their fraud department with no success. They ruled against me and totally overlooked the facts that i could n't have signed for a loan because of my whereabouts at the time. They have n't allowed me to negotiate a fair outcome because the loan isnt in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

This is a complaint against the Bureau of Equifax, specifically the department of fraud and the technical department. For the following reasons, I am victim of identity theft since XX/XX/XXXX, but this year has been the worst year because there has shown up XXXX accounts that do n't belong to me, that have been opened with fraud and without my permission and also inquiries. Last year the problem was solved after many complaints through here, I sent my police report and affidavit, even though, because this department of fraud is the worst of this country, the communication is horrible and inefficient, they do to your credit report as if it was a joke, even though they have the police report, the affidavit, and all the documents and evidence to show the identity theft. In these last three months, i have sent through fax and certified mail, the new updated police report, where it shows all the fraud accounts in my credit report. And also I call almost every single day to this department and all they do is make fun of me and mistreat me and they are as lying that they have n't receive any police reports when I have the confirmation that the fax was received that I have sent. And also the certified mail was received in XX/XX/2016. This department of fraud is so flawed and inefficient that what they do is pass me from person to person like if I was a ball. According to the manager, they told me I was going to receive calls to solve the case and I have received none. And I still call and they keep making fun of me and do n't take notice of my problem with identity theft in XX/XX/XXXX and XX/XX/XXXX. What type of department of fraud is this that does n't work and go against the federal law of Just Credit when they have the support and evidence of a police report, this law states that when a person is victim of identity theft, that the agency of credit should delete all the fraud accounts in the credit report. For this reason Im making this complaint against Equifax because the technical department even me being a premier member I have to do my disputes online, they should copy the good methods of experian and transunion. These XXXX agencies have already solved my case and are serious people who do their job. I do n't understand how the commerce of this country can go through with Equifax when this department does n't even work. I am going attach the updated police report with my identification to show how this agency makes fun of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, the following list of accounts have violated my consumer rights to privacy and confidentiality. They have also violated reporting laws within the FCRA. 

1. XXXX XXXX XXXX # XXXX has violated my rights 2. XXXX XXXX - ACCOUNT # XXXX has violated my rights 3. XXXX - ACCOUNT # XXXX has violated my rights 4. XXXX XXXX - ACCOUNT # XXXX has violated my rights 5. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights 6. XXXX - ACCOUNT # XXXX has violated my rights 7. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights 8. XXXX XXXX - ACCOUNT # XXXX has violated my rights 9. XXXX XXXX - ACCOUNT # XXXX has violated my rights 10. XXXX XXXX - ACCOUNT # XXXXhas violated my rights 11. XXXX XXXX - ACCOUNT # XXXX has violated my rights 12. XXXX - ACCOUNT # XXXX has violated my rights 13. BANKRUPTCY - REFERENCE # XXXX has violated my rights 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 : States a consumer reporting agency can not furnish an account without my written instructions 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: Credit card or prepaid card

I received a {$100.00} Vanilla Visa Gift Card as a gift and went to use it and it would not workthe package was unopened prior to me accessing it. 

I contacted the card distributor, InComm Financial Services and was told to send pictures of the card and my license to them ( I was given a XXXX # XXXX ). I did that on XX/XX/XXXX and never received a response. I explained to them that I didn't have a receipt for the Gift Card as it was a gift. 

I called them on XX/XX/XXXX to see why they haven't responded and they claim they didn't receive my email so I resent it to them. 

I did an online search and found that there have been complaints against this company where people have had the same issue. Links below. 

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

XXXX XXXX CAPITAL ONE NA and CAPITAL ONE XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

**Subject : ** Urgent Response Required CFPB Complaint Violation Early warning Support, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, XXXX, and you are now stating that you need XXXX XXXX to investigate. This is **unacceptable** and a **violation of federal law** under the **Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ) **.

Under **Regulation E ( 12 C.F.R. 1005.11 ) **, financial institutions must **investigate and resolve errors within 10 business days** or provide provisional credit while the investigation continues. Taking 60 days without proper justification or resolution **directly violates** federal consumer protection laws.

Furthermore, **12 U.S.C . 5565** grants the CFPB authority to impose substantial penalties for noncompliance. I demand that you **immediately** provide a proper response through the **CFPB portal** instead of delaying this matter. Any failure to comply will warrant **further escalation** and potential regulatory action. 
I expect an immediate update and resolution. **Failure to act in compliance with federal law will be reported accordingly. I demand that you remove this information from my file.
Product: Debt collection

Diversified Consultants Inc Account # XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed {$950.00} I have no knowledge of this debt  and would like it removed from my credit file as soon as possible.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX XXXX, Representing Midland Credit Management had filed a suit against me regarding XXXX accounts they claim i owe. I communicated with the with a refusal to pay and to close all accounts as they are clearly violating my consumer protective rights. XXXX, XXXX XXXX XXXX, XXXX has not closed these accounts after their suit against me has been dismissed. CASE INDEX NUMBER # XXXX. XXXX XXXX XXXX XXXX. This case has been dismissed and should be closed down. The debt statute of limitations has expired in XXXX according to the CCFA the statute of limitations on collecting a debt is 3 years and I have refused to pay any amount on the debt. these violations will not go unnoticed. This account is no longer collectible and the judge has made the decision on dismissal.
Product: Student loan

My student loan was forgiven by the Biden Administration in XX/XX/XXXX ( see attached ). This was a loan against which I paid $ XXXX in XX/XX/XXXX. The attached letter clearly states that payments made after XX/XX/XXXX would be refunded. It is now XX/XX/XXXX and I have yet to receive the $ XXXX that is owed to me. 
EdFinancial claimed in a phone conversation that they sent notification to the Department of Education that a check should be mailed to me for $ XXXX on XX/XX/XXXX. The Department of Education ( Student Aid Ombudsman ) says as of today ( XX/XX/XXXX ) they have received no notification that they should send me a check. I've called dozens of times to both entities and each points the figure at the other. The DOE says it has no record of the check request ; EdFinancial says it has a record of the request being sent out. Each entity says it can help no further. I've asked for escalation several times to " supervisors '', who are as useless as you might imagine. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke to a supervisor at Trans Union credit reporting company. The supervisor refused to give me his name nor an employee ID. My concern/issue as I received an updated alert from Trans Union that a collection account XXXX  was removed and deleted from my credit report and also a balance decrease from a credit card company. however with these two positive things and updates, my credit report score was lowered. I review the last 3 to 4 credit report from TransUnion I realize that I had five collections and maxed out all of my XXXX credit cards only paying the minimum and my score was a XXXX. That score of the XXXX included late payments and XXXX to XXXX collections from charge-offs. As of XX/XX/XXXX I received an alert from Trans Union and XXXX XXXX stating that a collection account which was a large amount was deleted from my credit file. with extreme concern that my score had downgraded which was unreasonable due to the fact that a collection account was deleted and a balance on a credit card had decreased. I am requesting Trans Union to present specific and detailed and itemized reason for my credit score to have dropped. Im asking for specifics such as IIdentify specific date, payments, Closed accounts/those close to accounts were also included when I had a XXXX score. I feel Trans Union is XXXX XXXX  XXXX. Trans Union is going to say that they have a system that calculate scores. But the system is regulated by human beings and employees at Trans Union.They have to update the system, they have to make sure that it is working correctly and they can make sure that it is identifying African-Americans or set up to identify XXXX Credit reports and cause damage such as not updating scores accurately and discriminatory. I belong to a blog where there are thousands of African-Americans who are going through the same thing with Trans Union that I am going through. Thousands of African-American have said that they are experiencing or have experience Trans Union refuse to investigate obvious and blatant mistakes/ discrepancies of not updating or correcting mistakesOn their Trans Union credit report.A lot of them have even report they were retaliated by Trans Union such as having no report or a score of zero after complaining to the administration of Trans Union credit reporting department . No one should be retaliated and therefore I will be keeping close tabs and watch for any retaliation on my credit report.
Product: Checking or savings account

Bank of America put a 7 day hold on a check that was drawn by bank of America. Funds cleared and the money is still unavailable. This bank operates like a crook
Product: Money transfer, virtual currency, or money service

I sent {$500.00} to my Brother company 's bank account in XXXX, through Money Gram electronic wire transfer, I expect my Money to be there in a timely manner within minutes, not hours! But it's been 2 days going to three days, my money is not there yet I made several attempts to call Money Gram. It seems nobody not even there account specialists could provide me with cogent reasons why my money is being delayed or not being transferred, and when I asked for my money back, I was told, they wont be able to give me a refund, it seems like a daytime robbery or a Scam! I will be contacting Federal Trade Commissioner next week, or perhaps forward a complaint to the office of the District Attorney and get the Dept. Of Justice involved, this scam by Money Gram can not be happening in the USA
Product: Debt collection

This is a second compliant What happened is that I submitted a compliant not too long ago and when they responded the compliant they just sent me a letter basically saying that they where still investigating my case and they gave me a phone number with an extension and a name of the person that would handle my account ( XXXX Ext : XXXX XXXX XXXX XXXX I called twice and got no answer so I called directly to midland and spoke to XXXX XXXX XXXX XXXX who put me on a wait for XXXX because she was on another call and she's the only one allowed to work on my account and then after a long wait XXXX gets back to the line and tells me that XXXX is out of her desk and once again I am still not getting any useful service.