23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted XXXX, XXXX, Transunion, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted XXXX, XXXX, Transunion & All Creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken. 

HARD INQUIRIES DATES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Kohl 's paperless billing system for their Kohl 's Charge program fails to provide consistent notification of account status, and their web site frequently encounters technical issues which make it impossible to check account status or make payment in a timely fashion. I believe they are manufacturing late fees on their charge cards for profit and I have evidence to show this pattern. I have spoken to their customer service department, their customer service supervisor, the online secure message center, and to XXXX ( XXXX ) who is their Executive Correspondence Advisor - ( the person who calls you when you email the CEO. ) At every level they refuse to acknowledge their error and say the matter is closed and that nothing will be done. Here are dozens of examples of the pattern I mention from just XXXX credit card review sites : XXXX A satisfactory resolution would be a refund of {$68.00} of late fees and corrected credit reporting to " pays as agreed. ''
Product: Debt collection

I do not know who these people are. I never signed a contract with these people. They dont have a contract bearing my signature. I have never done any business with them.
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I was having breakfast with my nephews at XXXX in XXXX Wa XXXX when I received 2 text alerts, 1 for {$400.00} ATM withdrawal, 2nd for {$320.00} ATM withdrawal, I immediately ran out of restaurant to call Chime customer service to inform them of the fraudulent withdrawals, they informed me I had to wait till the transactions settled before I can file a dispute, the transactions settled Saturday XX/XX/XXXX, so I filed the dispute and sent all my documents showing I was at XXXX and XXXX min away in XXXX XXXX Wa. My receipt at XXXX restaurant shows XXXX when I ordered our breakfast, the 2 ATM withdrawals were done at XXXX, and XXXX 1 minute apart at XXXX XXXX store in XXXX XXXX Wa XXXX my argument to Chime dispute department was, how could I have been in 2 places at the same time? Also I called the XXXX XXXX store and left a message for owner to call me so I could report what happened, but I got no call back. Chime denied my claim stating there was no error, so I was furious and called chime dispute department again to reopen my claim that I was going to forward additional documents regarding my dispute claim, I forwarded photos that the manager at XXXX retrieved from the restaurants surveillance camera showing my nephews and I sitting at our table in the restaurant at the time the ATM withdrawals occurred and a screenshot of my police report I filed with the XXXX Police Department with the tracking number from the police report, I asked chime for a provisional credit due to the fact that the person who fraudulently took my money from my account wiped me out! I dont have money for gas, or food due to this criminal activity, Ive read other complaints against chimes unethical practices and so Im reaching out to you organization for help! Please help me.. Im desperate and in need of help!
Product: Checking or savings account

I am writing to formally express my concern regarding the lack of notification about changes to the interest rate on my Capital One 360 account. As an account holder, I rely on timely and transparent communication to make informed financial decisions. Unfortunately, I was not notified of recent changes to my accounts interest rate, which has caused confusion and inconvenience.

As per my understanding, financial institutions are expected to provide clear and timely updates regarding any changes that may affect account holders. The failure to inform me of such a crucial update has impacted my ability to manage my finances effectively.

I kindly request a detailed explanation regarding this oversight and ask that corrective measures be implemented to ensure proper notification in the future. Additionally, I would appreciate information on the current interest rate applicable to my account and any upcoming changes that may affect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened to XX/XX/XXXX for XXXX. XXXX XXXX XXXX XXXX The account is stating that it is closed ( which means paid in full in XX/XX/XXXX ) The remarks on my credit report state paid collection. Unfortunately it is still being shown by XXXX XXXX ( which i'm guessing is the collection company hired to retrieve a debt ). I tried to Contact XXXX. XXXX XXXX XXXX XXXX to ask when my first date of delinquency was, and they have closed permanently. I would like this to be removed form my from my credit report, but because they have closed permanently I can get in touch with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Equifax failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore Equifax is REQUIRED to immediately remove each and every last one of them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX National Credit Card Cos Did not make this inquiry XXXX XXXX XXXX Amount {$330.00} Date Opened XX/XX/XXXX Acct Status Open **Never received card ; all transactions were made fraudulently and credit has not reversed my balance to {$0.00} XXXX XXXX XXXX Original Creditor 01 XXXX XXXX XXXX XXXX Amount {$610.00} Date Opened XX/XX/XXXX Acct Status Open **account is not mind/ nor did I open this acccount, creditor refuses to close this account after multiple disputes XXXX XXXX XXXX Original Creditor 01 Comenity Capital Bank Amount {$1100.00} Date Opened XX/XX/XXXX Acct Status Open **account is not mind/ nor did I open this acccount, creditor refuses to close this account after multiple disputes
Product: Debt collection

I received a letter in the mail from MCM/Midland Credit Management, INC 0N XX/XX/XXXX advising me that they are the new owners of a debt they say I owe in the amount of XXXXXXXX.I called and spoke to a associate and he asked me for the account number, I provided it, and then he asked me if I was calling to make a payment, I advised him I dispute this debt, and he told me I have to dispute it in writing.I sent out a LETTER ON XX/XX/XXXX, I was told that if I do n't pay this it will be reported to the credit bureaus.I told him not to call me.This account was purchased by Asset Acceptance and they also harassed and threatened me.This account was opened in XX/XX/XXXX with XXXX and paid, I had XXXX months no interest .I am not sure how many companies have attempted to collect this money I do not owe, but it has been several.
Product: Checking or savings account

I deposited a check ( {$23000.00} ) on XX/XX/XXXX  in a Bank of America ATM machine. After it took my check, the machine crashed and rebooted, stating it is out of service. I called and filed a claim that evening. The only process to file a claim for this situation is the same process as third party fraud situations ( credit card hacks etc ). 

Bank of America, as of XX/XX/XXXX, has yet to resolve the situation. I have not recieved any credit for the physical signed check I put in their ATM on XX/XX/XXXX. They provide minimal update information : " we are waiting on the vendor ''. 

I need my funds and this is terribly stressful. I call for updates daily and I have asked for it to be escalated.
Product: Debt collection

XXXX XXXX XXXX continues to send a fraudulent account to collections, first with XXXX XXXX XXXX XXXX in XXXX of XXXX, I had sent this collection Agencie a validation letter and they did not validate the debt. XX/XX/XXXX XXXX XXXX XXXX requested documents to prove the debt was fraudulent I faxed the Affidavit, Police Report, copies of proof of residence and provided a government issued ID to XXXX XXXX XXXX per their request. XXXX XXXX XXXX did not send me anything in regard to their investigation. On XX/XX/XXXX XXXX XXXX XXXX had reported the fraudulent collection account to the credit bureaus and was on my credit report. I then filed a complaint against this collection agency with the CFPB for their wrongful reporting. They failed to validate the debt and did not stop their collection efforts. 
On XX/XX/XXXX XXXX XXXX XXXX mailed me a fraud packet. Again I uploaded all documents to XXXX XXXX XXXX fraud department, Affidavit, Police Report, two copies proof of residence during the time of the fraudulent activity, and my government issues ID. I did not hear back from XXXX XXXX XXXX about their investigation. 
On XX/XX/XXXX of XXXX I got a call from a New Debt Collector Sunrise Credit Services , Inc . Attempting to collect on the same fraudulent account. I explained this account is fraud and I have reported this to XXXX XXXX XXXX multiple times, with the required documents they have requested and still they are continuing to collect on this fraudulent account. I filed another fraud claim with XXXX XXXX XXXX on XX/XX/XXXX. With more documents to prove my claim.
Product: Debt collection

I have not heard from them in months so I thought it was over. XXXX said I owed a last bill from Me being a customer. I pre paid for my phone service and thus do not owe a final bill. I got a phone from tmobile and paid it off in cash in XXXX weeks, and shortly after quit XXXX XXXX. I just got a letter from Alliance One collections saying I still owe the bill. 
AllianceOne Ref # XXXX. 
I told the guy from XXXX  on the phone months ago that I prepaid for my service and therefore do not owe a last bill. The guy said XXXX does not have prepaid phones. I paid for a months service before they turned the phone on, whatever that is called. 
XXXX account # XXXX
Product: Consumer Loan

I asked GE Credit aka " Care ( sic ) Credit '' to set up my autodraft payments to avoid all interest payments under 0 % offer so that my XXXX would be paid in full within the 24 month offer. Instead, it was set up as " minimum payments '' drafted out of my checking account and now I have just discovered I 've paid over {$2000.00} in interest with a balance due of $ {$2900.00} on an original debt of {$3500.00}! When I spoke today with Synchrony Bank manager XXXX # XXXX she said the only way I could get a copy of my original instructions was to " subpoena them ''.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 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. XXXX and XXXX are not maintaining reasonable procedures.
Product: Vehicle loan or lease

I just buy a BMW at bmw dealer, weh have finance with bmw finance, i know they help to get the car, they are very good sales and manager was nice we us, we just ask to have better interest rate on the loan because we trade a XXXX XXXX XXXX XXXX with less than 11,000 miles, almost new..we ask for more on trade.by the can't get more for the trade.we said ok so give me a better interest since we have 1,9 percent with XXXX XXXX in the XXXX..i was not expecting the same rate but better than 7,9 that we get we ask they said is the best we can do..i believe they can do better since we never miss a payment on my mortgage or on the car loan.also my husband and i we have a total income for about 80,000 a year. also we put XXXX dollar down.
Product: Debt collection

Did not recieve validation letter from CONSUMER COLLECTION XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. Via mail or electronically.
Product: Mortgage

On XX/XX/XXXX I received an email from a Shellpoint Mortgage CSR of Loss and Mitigation for repayment and his emails states as below : Hello XXXX, You requested me to send you an email with the details of the repayment plan. Please see below for details. Please understand Shellpoint will draft the payments and understand it shows the payment is due on the XXXX  but we do give you the entire month to make the payment if you have any questions, please feel free to reach out to me XX/XX/XXXX - {$3000.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX - {$5200.00} XX/XX/XXXX {$5200.00} Thank You, XXXX Loss Mitigation Specialist, Shellpoint Mortgage Servicing and then on XX/XX/XXXX, I reached out to Shellpoint and a XXXX finally called me, because I kept getting the run around. I asked why did they not debit my account. XXXX told me that XXXX was no longer in that department and failed to tell me I had to make those payments, Shellpoint did not set up anything. So, I sent the email to escalations and XXXX as seen below : Hi XXXX Below is the email showing that Shellpoint would be drafting the amounts from my account and it seems that only one payment was drafted. I need to get this paid, and I would like to get this up to date. When I spoke to you, you stated that there was no way that Shellpoint could set up an automatic draft from my account. I am showing you what I was advised by your previous CSR, and  I am not point fingers at anyone, but I would not like to lose my property, as I have my children there, and been there for close to 12 years. I would like to get this reinstated, and as soon as possible. I have scheduled payments through my bill pay to bring this down by the end of XXXX. I scheduled $ XXXX to be paid. Then by have it caught up by XX/XX/XXXX. 
Thank you. 
XXXX I heard nothing from anyone until late XXXX when I received a foreclosure letter, and I contacted XXXX. She did not return my call until the beginning of XX/XX/XXXX. I decided to contact XXXX, so they can help me get help on my mortgage. I provided all documents to Shellpoint online and even XXXX. Shellpoint even called me and requested additional documents and we are not XX/XX/XXXX and I have not received a call from Shellpoint at ALL. I look on their online portal to see what I uploaded and it says, nothing is completed. I have attachments showing where it is there and uploaded too. 
XXXX called them to expedite this information, and they were hung up on several times. I just found out that Shellpoint refuses to help people in saving their homes. They literally ignore you and continue with the foreclosure to resell your home for more money. Shellpoint has a few lawsuits pending already and class action too. We need more. We can't let them continue getting away it! Save my home. 
XXXX
Product: Debt collection

Dispute Reason : The information reported on this account Fair Credit & Outsourcing Acct # XXXX is inaccurate. The account is listed as " open, '' yet I believe it should not be reporting as such. I am requesting that you investigate this account to ensure its accuracy on my XXXX and XXXX credit reports. 
As outlined under the Fair Credit FCRA Section 605 ( a ) FCRA Section 605 ( a ) 5 FCRA Section 605 ( c ) Metro 2 Reporting Standards
Product: Checking or savings account

Called customer service phone number numerous times and no assistance was provided. Customer service is completely illiterate to researching an account. When asking questions in regards to the settlement it is clear employees were informed to act unaware of the billions of dollars wells Fargo stole from innocent consumers. Told to go inside branch, then told me to call customer service and still no assistance or information nearly four months later. These banks only care for what you provide as opposed to how they are actually able To assist you financially as a consumer and not only is it insulting to me but, also very disheartening to know that even your money isn't safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
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.In accordance with the Fair Credit Reporting act. 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.XXXX XXXX XXXXt # : XXXX, XXXX XXXX XXXX : acct # XXXX, XXXX  : acct # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  ) acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, has violated my rights.