23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a Sears Home Improvement card, I have ran into some financial issues. I have sent them e-mails on there web site, I have called on three different occasions to explain my issue all they say is can you borrow from someone, and we are sorry to hear about your situation and will make a note in our system thank you. Not one time did they offer some kind of option to get the account back on track but they say we can offer you lower interest, lower payments none of this comes into play when you are talking to them. Then they call early in the morning and all throughout the day. The last call I took from them the gentleman said for me to call their forbearance department after the XXXX of XXXX, I called and told the gentlemen I wanted the forbearance he states I can help you, what ends up happening, I am sorry to hear about your situation I will make a note in the computer. Afterwards a day later here they come with the early morning calls totally harassing me and my family. Sears is not trying to work with me at all to find a good solution with this matter. Plus the cabinet refacing is a joke they claimed it was a lifetime warranty but its not. They salesman told me and my wife it was lifetime warranty parts and labor false practice to make a sale. I really hate I ever dealt with sears. After they had to come out two times to make repairs on the refacing work the third time all of a sudden no lifetime warranty false advertising. I have had it with sears and their tactics. The company is taking advantage of consumers, and something needs to be done. I advise anyone not to deal with sears and their cabinet refacing.
Product: Credit card or prepaid card

On XX/XX/2021 I received a letter from XXXX XXXX XXXX XXXX in regards to my unemployment funds that were not deposited into my bank account. That letter stated that the funds were deposited into an account that belongs to Wells Fargo Bank NA, and that the NYS DOL is unable to retrieve payments once they have been received by a bank. I was to present this letter to the bank as confirmation that those payments were meant for me. The total amount of funds that were deposited into the fraudulent account are {$2400.00}. That same day I went to the only local Wells Fargo Bank and met with the branch manager, XXXX XXXX. I presented him with the letter and documents to prove my identity. I also have an auto loan through Wells Fargo which he also used to help identify me. Upon review of my information and the account listed in the letter from NYS DOL, he felt comfortable enough to write me a letter stating that the account listed in the NYS DOL letter does not belong to me. I also went to my local police department and filed a police report in regards to the funds that were deposited into a fraudulent account. 

After over a year of going back and forth with Wells Fargo and them opening complaint after complaint ( at least XXXX by now ) and them closing each complaint stating that I did not submit enough or failure to provide new information proving that the funds are mine I've decided to stop paying my car loan which I owe around {$6600.00} on. Wells Fargo is extremely uncooperating and unwilling to help me retrieve my funds.
Product: Vehicle loan or lease

I am a XXXX XXXX serving in the XXXX XXXX  XXXX and leased a vehicle while I was on leave in New Hampshire from XXXX XXXX XXXX XXXX located in XXXX New Hampshire on XXXX/XXXX/2018. This was a lease for a brand new vehicle ( XXXX XXXX ) and is supposed to be under warranty. The clutch got damaged and when I took it to the XXXX dealership where I am stationed here in XXXX, OK ( XXXX of XXXX ) they told me that the warranty is only covering the parts, not the labor because the damage was my fault. I have been driving a standard vehicle for a long time and have never had a problem like this. The vehicle is supposed to be 100 % covered under the warranty and I shouldn't be liable for labor because according to the mechanic, " I must have done something to it ''
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. 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 XXXX 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: Credit reporting or other personal consumer reports

I am writing to bring to your attention my deep dissatisfaction with the repeated unsuccessful attempts to remove late closed accounts, bankruptcy records, and public records from my credit report. The persistent presence of these inaccuracies on my report is not only distressing but also damaging to my financial standing. I feel compelled to escalate this matter formally. 

I submitted a request to your institution to address the inaccuracies in my credit report, specifically related to late closed accounts, bankruptcy records, and public records. Despite multiple attempts and assurances from your customer service representatives that the necessary corrections would be made promptly, these inaccuracies persist on my credit report. 

The inclusion of late closed accounts, bankruptcy records, and public records on my credit report has a severe impact on my creditworthiness and financial reputation. As you are well aware, the accuracy of credit reports is crucial for individuals seeking financial stability and fair access to credit. 

I insist on an immediate and thorough investigation into the reasons for the persistent inaccuracies and the multiple failed attempts to rectify the situation. I request a detailed explanation of the steps being taken to expedite the removal of these items and prevent similar errors in the future. 

Furthermore, I demand a formal, written confirmation of the successful removal of the inaccuracies mentioned above withinthe exact time frame of receiving this letter. Failure to address this concern promptly will leave me with no choice but to escalate this matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the late close accounts, accounts included in bankruptcy and public record : XXXX XXXX XXXXXXXX Balance : {$1100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
XXXX XXXX XXXX Balance : {$2100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX XXXX XXXX Balance : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX.24
XX/XX/XXXX.24
Product: Credit card or prepaid card

I opened a US Bank Business Edge Select Rewards card on XX/XX/27 that had a signup bonus of XXXX points after spending {$1000.00} within the first 3 months. I met this requirement within the first month and have still not received the bonus. I initially started calling them in XXXX to see when my bonus would post and was assured it would post on the close of the next statement. I called again on XX/XX/XXXX and they opened a " request '' to the rewards program to research the issue. I was told it would take 7-10 business days to resolve and I would receive a letter in the mail telling me I had received the bonus as it was clear that I had met the requirements. It has now been 76 days and the situation is still unresolved. I have called approximately every two weeks during that time and have been reassured it would be taken care of within the next 7-10 business days. I called again today and was told that I had been misinformed and it can take up to 3 or 4 weeks, to which I have already waited more than double that time frame. Today I was told it is still being researched and there is nothing I can do other than wait. I have waited over 6 months for this to be resolved and have been lied to continuously while trying to get this resolved. I have fulfilled all the requirements of the promotion and there seems to be no end in sight as to when I will receive it. 

The same promotion still shows on their website and I was assured is still valid, so I don't know why this is such a headache to resolve. 

Attached are the screenshots from when I applied for the card and the promo is still up on the US Bank website as well.
Product: Vehicle loan or lease

Tried paying notes on vehicle around XXXX XXXX but website was down and no responses back from company. Car was cutoff from a switch and then I here company went out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came into the deanship for scheduled maintenance on XX/XX/21 and while waiting for my oil change. My daughter and I walked through the showroom as we always do to pass the time. We saw our sales guy ( XXXX ) and said hello. He came over and spoke to us and asked me had I seen the new XXXX XXXX. I said that I had not and asked if he had pictures. He said yes and shows me his phone. I asked him when they would be available and he said " soon ''. I said ok let me know and I'll come take a look. He leaves for a few minutes and comes back and said, " I think we have one in black '' I said oh ok and he leaves again. XXXX had a few customers he was dealing with so I did not see him again before we left. My car was ready so we left because 1. we were only there for an oil change and 2. we had reservations at XXXX XXXX at XXXX that day ( we were celebrating my daughters birthday ). While we are at XX/XX/XXXXI get a call from XXXX saying " I was able to get it done, but I'll call you back '' I was like get what done? He was like the black XXXX, I'll call you right back ; and hangs up. I was confused. As we are leaving XXXX XXXX I started getting a bunch of email notices that my credit had been pulled. I NEVER authorized XXXX or anyone else at XXXX XXXX XXXX to pull my credit, I was ONLY there to have my oil changed.
Product: Credit reporting

Went to check on a vehicle asked them to run out credit with only XXXX companies and they did it with XXXX. I did not authorize them to do that! And so there are tons of marks on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my credit report. I noticed a Hunter Warfield collection on my credit report. It originated from XXXX XXXX XXXX XXXX, XXXX. 
XXXX apts pulled the eviction on XX/XX/2022 from the court system. I was evicted on XX/XX/2022. XXXX never started the process, over nor contacted me. I answered the court by having a mediation in which I never had. 

Violations 15 USC 1681B PERMISSIBLE PURPOSE OF CREDIT REPORT FDCPA PROHIBITS DRBT COLLECTION COMPANIES FROM BEING ABUSIVE, AND UNFAIR. OR DECEPTIVE PRACTICES TO COLLECT A DEBT.
Product: Debt collection

XXXX XXXX yelled and was verbally abusive to me on the phone, which was a call that I initiated for the simple purpose of finding out the origins of this collections account that I was not familiar with. He called me a liar when i stated that this was the first I 've heard of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  XXXX  listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax and XXXX. Please remove the 30/60 day late payments from my credit reports.
Product: Credit reporting or other personal consumer reports

I accordance with the Fair Credit reporting act, the following accounts listed below 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX account # XXXX XXXX/ XXXX XXXX XXXX account # ending in XXXX XXXX XXXX  account # ending in XXXX XXXX XXXX XXXX XXXX account # XXXX
Product: Checking or savings account

On XX/XX/19 I made a deposit in the amount of {$500.00} to a suntrust ATM located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In the middle of the transaction the ATM malfunctioned and restarted. I immediately called into the customer service line to make sure my deposit went through ( time of call at XXXX Saturday XX/XX/XXXX ). I spoke with a representative that let me know that the deposit did in fact go through. I asked if I needed to take any further action and was informed that I did not. 

On Sunday XX/XX/XXXX I was auditing my account and noticed that the deposit for XX/XX/XXXX was not reflecting on my account. As it was a Sunday I waited until XX/XX/19 at XXXX to call in to customer service and speak with someone about my lost deposit. A claim representative let me know that he saw a deposit was attempted but it did not ultimately go through. I was told that I would have to wait for an investigation to be completed but a temporary credit could be applied to my account in 10 business days. I expressed my concerns about having to wait 2 weeks to have access to my money due to a malfunction with their equipment and was not offered any solution to that. 

XX/XX/XXXX at approximately XXXX I went in to the branch where the transaction took place. I asked if the branch had access to the ATM camera and was informed that they did not as they do not service the ATM themselves. I asked if the temporary credit could be expedited, a representative called the disputes line and was informed that we would not be able to do so. It was brought to my attention by the representative that their power went out 3 times over the last month. I was told that I would have to wait for a count to occur and see if they have surplus cash. 

At this time I am not confident that Suntrust will give me access to my deposit. Furthermore, if I hadn't noticed that my deposit hadn't posted they would have kept my money. The ATM didn't give me a receipt ( turned off in the middle of my transaction ), I don't have access to the video from the ATM, I don't have access to the calls I made and the counters could just lie about having surplus cash.
Product: Debt collection

This is a written notice to XXXX XXXX as ceo of Synchrony Financial XXXX the consumer am invoking my right of recsission pursuant 15 usc 1635. I rescind all signatures, endorsements, and consents of my information there of. I expect my information be deleted, and all money be mailed by check to the address of XXXX XXXX in good faith.
Product: Credit card or prepaid card

I contacted bank that finance aspire credit card and asked them to stop sending me prescreen offers and the bank forteva said there is nothing they can do and I called aspire credit card and it's just a machine there nobody to talk to it ask for my social and I don't want to give it out cause someone has my information it was a trained without my permission
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX XXXX  Account # : 34XXXX XXXX XXXX Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under XXXX U.S.C. XXXX, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data. 

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report.

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose.

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Debt collection

Loan A/c Number : XXXX Amount Due : {$1300.00} Legal Process Begins : XX/XX/2023 We are disappointed that you have not taken any initiative to make reasonable arrangements to resolve your delinquent balance. 



If we do not receive payment in full of the entire delinquent balance by XX/XX/2023, your file will be referred to our attorney for possible legal action. 



If you wish to avoid legal action and the possibility of incurring court costs, attorney 's fees, and considerable inconvenience, remit the payment of {$1300.00} or contact us to discuss reasonable arrangements to do so. 



If this matter is not resolved by XX/XX/2023 all further correspondence will be made through our attorney. 



Do revert ASAP. 



Regards, XXXX XXXX XXXX & Collections Speedy Cash
Product: Credit reporting or other personal consumer reports

I had it removed from XXXX  it the other two has not removed it yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX XXXX, XXXX, VA on XX/XX/2020. I was interested in purchasing used cars listed for sale at the dealership. I was ready to pay for the car in cash. Upon insisting that I don't want to finance the car, dealership conveyed that they would do a soft pull and let me know on the interest rates on pre qualified loans and then I could decide if I would want to pay it outright or finance it. 

However, I would like to bring it to notice that at no point in time, did I authorize the dealership to do a hard inquiry on my credit report. But the dealership has made multiple hard pulls just to benefit them in the disguise of getting better rates for me. I was so irritated with the dealership for doing this without my consent that I ended up not purchasing any vehicle from them There are two hard pulls, one from XXXX XXXX, one from XXXX XXXX. This is done without my consent and authorization and hence I would like these to be removed from my credit report and the issue be rectified. 

Let me know in case of any queries. 

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

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX XXXXXXXX Balance : {$2800.00}
Product: Bank account or service

On or about XXXX XXXX I closed my safety deposit box at Wells Fargo XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in anticipation of a move out of state. XXXX XXXX, Personal Banker at that branch, went with me into the vault to empty the box and I gave her the key when I was done. She gave me a receipt. I moved XXXX the next month and continued my other accts. with Wells Fargo. On or about XX/XX/XXXX I received a call from Wells Fargo saying that I owed for another year 's rent on the safety deposit box. I told them I closed it and gave them the receipt number. The man I spoke to said " all was taken care of and not to worry ''. A year later I was moved back XXXX - still having a Wells Fargo account - and when I went into a local branch to change personal information I was told that I now owed for two years safety deposit box fees ( XX/XX/XXXX and XX/XX/XXXX ) - I told him that box was emptied and closed and he said I would have to take care of that at the original branch. So I drove over 30 miles to the XXXX location and explained the situation with them. I no longer had the receipt. They said there was nothing I could do. They continue to hold the box in my name and charge me yearly fees for an empty box that I closed. The only document I have is the business card of the woman who closed the account for me. I do not wish to collect monetary damages for my out-of-pocket expenses/duress in dealing with this. I just want them to close the safety deposit box account and remove any debt associated with that from my name. They are a rich bank who made a mistake and lost the key and they are trying to make me - who lives on limited income - pay for their mistake. Please assist me with this problem. I did not know where to turn until I saw your name in a news article.