23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

We purchased a Water softening system through XXXX XXXX XXXX, which they have their own finance company, Aqua Finance Inc. My husband is in the military and we were told we qualified for a special offer because of our credit and his status. We were to pay {$8000.00} for the system and only pay 10 % on the first {$1500.00} of the loan. We are now paying 0.03011 % /day for 10 years. It comes to {$6000.00} on a loan of {$8000.00}, we would pay {$14000.00} on a system that should have cost only {$5000.00} because they overcharged us for that as well. My parents looked into other authorized distributors of this product and it should have only cost us $ XXXX {$5000.00} with installation. We were told if we did not sign that day that we would not receive the special interest rate unless we signed there and then. We could get a personal loan for 4 % today with our credit. They are completely taking advantage of our age and military background. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Salesperson- XXXX XXXX XXXX XXXX Aqua Finance Inc . 
XXXX XXXX XXXX Dept. XXXX XXXX, AL XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted : XXXX XXXX XXXX XXXX # XXXX to ask to provide more information about a debt of {$860.00}. They never did. 

XXXX XXXX : XXXX to ask to provide more information about a debt of {$220.00}. They never did. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Also : I made complaints : 30 days ago with all three credit bureaus Equifax XXXX XXXX and XXXX XXXX I have not heard anything back about these negative inquiries are derogatory creditors.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

My mortgage with Ocwen they took over GMAC a few years ago. Last yr they failed to pay my Home Insurance on time so I set up a payment plan with my insurance, then cancelled my Escrow with Ocwen since they could not pay in a timely manner. They then paid my insurance 4 months late. It caused me to have an escrow shortage and raise my house payment a year later. They did it again XXXX after I clearly have cancelled my escrow. So now I have an inflated escrow shortage and house payment. They have paid my insurance 2 times without my permission after I cancelled my escrow and have pmt plans set up with my insurance. I have started the process of getting a home equity line of credit to get my mortgage out from under them and they now are impeding that process by inflating my escrow. This company needs to be shut down. It ca n't be legal to pay insurance when I have cancelled my escrow then add it to my house payment?
Product: Debt collection

According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the removal of inaccurate information from my credit report. I have reviewed my credit report, and the account referenced above is inaccurate I request that the account be investigated and removed from my credit report. 

Please notify me of the results of your investigation at the address provided above. Under the FCRA, you are required to investigate my dispute within 30 days. If the investigation results in a change to my credit report, please send me an updated copy of my credit report.
Product: Credit card

I disputed a charge on my account because I received faulty merchandise and tried to return it to the seller. On XXXX XXXX  for XXXX I messaged the seller trying to return the item and the seller ignored all my messages. I filed a chargeback on my account and received a temporary credit. Now the charge has been placed back on my account on XX/XX/scrub>XXXX XXXX XXXX  and capital one hasn't told me why.
Product: Credit reporting or other personal consumer reports

Within the last 10 years I have had prsonal loans that I have REFINANCED multiple at least once a year. All closed loans due to REFINANCE are still on credit report. CLOSED ACCOUNTS have a DERROGATORY AND NEGATIVE impact!!! Reporting bureaus REFUSE to remove closed accounts, and even hold them on report for TEN YEARS!!! TEN YEARS of NEGATIVE reporting and TEN YEARS of credit denial from anyone looking at credit history!! Every single credit DENIAL letter i have received was due to CLOSED ACCOUNTS for the most part!! This needs to change and credit bureaus need to STOP REPORTING NEGATIVE INFORMATION UNDER FALSE PRETENSES!!!
Product: Mortgage

XXXX Was holding a payment for first time buyer XXXX dollars. I was approved but my bank that held the mortgage turned it down I XXXX. I asked why ; they convinced me if I came into TCF Bank they could give me a better deal. I went into the office they said I had to bring my husband with me. We were going through a divorce at the time so I did because he had to sign in XXXX. They gave us like about 25 pages to read of refinancing the house which the house was only XXXX. I didnt read all the paper because I am XXXX  and I have a kind of learning XXXX and it is hard because I read very very slow, I explain that to the man and he guaranteed me that he was giving me a lower percentage and that this would be the best deal for me for my house. I ended up signing the papers then years and years kept on going bad, and I was never making any leeway of paying on the house, so I talk to the last mortgage company that took it over because I went through three different mortgage companies because it kept on going from a different mortgage every few years so when it came to XXXX XXXX I asked them why did I only have XXXX paid into my house when I have owned the house since XXXX They sent me a piece of paper stating that I was on an interest only mortgage and that I would not be able to finish paying that entrance until I was XXXX XXXX XXXX and then and only then would I start actually paying on the house. I had no idea and I have been paying on the house for 22  years with only XXXX in equity. I got robbed of my house. My house shouldve been paid off and I should be sitting in my home at XXXX XXXX XXXX just paying for the lot and the lot only. I have no way of selling this house or anything all the years. I have been living in it for 22  years because every time I did, I would have to pay more out than what the house was worth. I couldnt get a job here in XXXX XXXX and so I had to go to XXXX and work there for XXXX years. I couldnt even sell my house so I was stuck paying on the house and an apartment why I lived in flat, because the house wasnt worth what was old on it Then after the seven years I came back and I tried to see why when I refinance with XXXX XXXX why my house still owed so much and I only had {$2000.00} in equity they sent me a piece of paper and showed me that my house was on interest only. And then I would not have been able to pay the house off until I was XXXX XXXX XXXX and that would only be paying the interest off and I would still offer the house so they sent me up on a deal where I wouldve never ever owned my home or had any equity whatsoever in my home I just found out about this a few months ago. I feel like I have been robbed of my house because my house should been paid off and I only owe XXXX when I bought it. Right now I should be owning my house and only paying for my lot. But I am still stuck paying a mortgage at XXXX XXXX XXXX and dont have no more than a couple XXXX in my home. TCF bank tricked me into thinking that I was getting a good deal when all they were doing was living off every bit of the interest of my house for over 23 years. I got scam by TCF bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents and FTC report months ago never got the results of my disputes this is really getting annoying waiting 30-45 days for them to fix an error that should of never been on my report in the 1st place. 

I sent letters over several month now and still havent got any update or changes to my report... there are unauthorized inquires on my report and child support that are incorrect And should not be reporting on my credit profile also they ( TRANSUNION ) have failed to provide any information about how they verified the alleged debt and inquires. No documentation has been sent to me with my wet signature and I am the only person who can validate these alleged debts I DO NOT VALDATE THE DEBTS AND THESE ITEMS NEED TO BE REMOVED YESTERDAY THEY ARE IN VIOLATION OF THE FCRA section 623 ( c ) 1681s-2 reporting inaccurate information. Its illegal to report information that you know is inaccurate. 15 U.S. Code 1681b - Permissible purposes o
f consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

AND 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days
Product: Checking or savings account

{$2100.00} was charged to my Wells Fargo Checking account for XXXX tickets. I did not authorize nor did I allow anyone to use my account or card. 

Wells Fargo denied these charges on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$11000.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCR act ... .the following companies has violated my rights as listed below. 

XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) 15 USC 1681 sec. 602 A states I have the right to privacy. In addition, 15 USC 1681 sec. 604 A sec 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/2022 i got a hard inquiry that i want deleted. 

By XXXX XXXX XXXX XXXX i got a hard inquiry that i want deleted also. 

I say this because as you can see i have nothing on my credit report before that, because i never knew anything about it. I jus started working on my credit in XXXX  with credit lines i have on my account now thats the only thing i recognize. I gave No consent for those other inquirys
Product: Credit card

Several accounts were opened in my name with American Express My claims have been denied because of lack of evidence. I have now attached information from XXXX XXXX XXXX that supports my ID theft claim regarding checking accounts used fraudulently. I have not in any way benefited from this account the numbers that were used to open this account did not belong to me the phone number : ( M ) XXXX and a business phone number : XXXX were numbers that were never associated with me at all I have NEVER had any business so a business account would not even be necessary the email XXXX also an email not created or used by me. I will also attach documents from my XXXX XXXX reported from information I disputed on XX/XX/XXXX, regarding this same phone number that was fraudulently used and was deleted because it was fraud information. I also reported another American Express account that was opened back in XXXX that the company did determine was fraudulent. I have been trying to get in contact with an investigator regarding this information but have not been contacted even after requesting multiple phone calls. Hopefully this information is sufficient enough to get this closed and cleared up and moved past.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has failed to address a dispute I submitted regarding unauthorized hard inquiries on my credit report. I informed TransUnion that the following companies conducted hard inquiries on my credit report without my explicit consent, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ) : XXXX. XXXX XXXX ( XXXX ) - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/year> XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I had clearly communicated to the car dealership that I was already approved for financing through XXXX  XXXX and that no additional inquiries were necessary. Despite this, my credit was pulled by these companies, resulting in multiple hard inquiries that I did not authorize. 

I requested that TransUnion investigate and remove these unauthorized inquiries from my credit report. However, TransUnion has either failed to respond or refused to remove the inquiries, which continues to harm my credit score and overall credit profile.
Product: Credit card or prepaid card

Today XX/XX/XXXX  I received a text message stating : Your Order at XXXX  Processed. Product : XXXX OrderID : XXXX Amount:XXXX USD If you haven't Place this order Immediately Call our SupportXXXX I called this number and the girl said it was a charge in XXXX for my credit card ending in XXXX. Well that XXXX  of mine was compromised so I took her there would not be any charges as it does not exist. She wanted me to change my XXXXXXXX XXXX password. 
I hung up and called XXXX XXXX and they agreed it was a fraud. Hopefully you can do something about this.
Product: Credit card

Due to hardship, I was making small monthly payments on my account. My last payment was made on XX/XX/year>. On XX/XX/year>, I could not make an online payment because they locked me out of my account. I then learned that this company had sold my credit account to a collection agency that added over {$1000.00} in fees and now wants to collect for an account I do not believe was in default. I can not dispute any information with the original credit card because they say I no longer have an account. They will not help me. Also, because all of my access and bills were online, I can not get statements or copies of what I last owed. Other than a written request. ( which is pending )
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX 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. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Was Paid And Closed : Thank you for contacting XXXX 

We are committed to supporting you. 

Our records indicate that you paid off the {$500.00} charges on the account ending XXXX on XX/XX/XXXX.

On XX/XX/XXXX, a Paid In Full Letter was scheduled to be emailed to you for your records. 

As a general note, it can take credit reporting agencies up to 30-60 days to update your credit report. 

Unfortunately, once we report to the credit agencies the updated changes, it is up to them to make the change effective on their end. 

We apologize for any inconvenience in this matter and wish you the best in the next stages of your life. 

Thank you for your valued time. 

Please feel free to reply if you need further assistance. 

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

I pulled all three reports recently from all credit bureaus and my score for XXXX is XXXX and XXXX XXXX. Yet for Equifax there is not a score reporting. This is damaging to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNION XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information. ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleled from my file To Whom This May Concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information I received a response from XXXX XXXX stating that the following account could not be verified and it was immediately DELETED from my credit file. US Bankruptcy was deleted Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT To Ensure that you receive NOTIFICATION I am including the following attachments to this letter : * My original letter challenging the validity of this account. * Copy of my dispute response showing that this account has been DELETED from my credit file due to their inability to to FULLY VERIFY and certify the accuracy of this account. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint.
Product: Money transfer, virtual currency, or money service

Date : XXXX XX/XX/XXXX My company name is XXXX XXXX XXXX XXXX XXXX -XXXX located in XXXX XXXX . We have a vendor XXXX XXXX ( XXXX ) XXXX - XXXX. We purchased books from them and will remit settlement to to their account occasionally. 

Since XX/XX/XXXX, someone in XXXX hacked into our e-mail server, change the e-mail content from our vendor XXXX XXXX ( XXXX ) XXXX, asked us to remit to a new account in for the beneficiary name XXXX XXXX ( XXXX ) XXXX  with Wells Fargo. 

From XX/XX/XXXX until XX/XX/XXXX, we have made 3 transactions : 1. on XXXX XX/XX/XXXX US {$50000.00} Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX Remittance Amount : USDXXXX 2. on XX/XX/XXXX Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX Remittance Amount : USDXXXX 3. on XX/XX/XXXX Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX / amended bank a/c # on XX/XX/XXXX to XXXX Remittance Amount : USDXXXX When we found out those transactions are involved fraud on XXXX XX/XX/XXXX, we reported to the XXXX XXXX Police immediately and we made call to Wells Fargo Bank to report those bank accounts involved fraud, the staff from Wells Fargo Bank have checked those accounts and mentioned that those accounts ' holder name are not the same with our beneficiary name XXXX XXXX ( XXXX ) XXXX. She asked us to send the claim form for refund of remittance via our local bank XXXX XXXX XXXX. 

We did submit the 3 claim form for refund of remittance via our local bank XXXX XXXX XXXX on XX/XX/2018. However, our local bank XXXX XXXX XXXX advised that the Wells Fargo can not refund the remittance due to those accounts are closed. 

We XXXX XXXX XXXX XXXX XXXX would like to submit a complaint to Wells Fargo Bank. Why the beneficiary name XXXX XXXX ( XXXX ) XXXX of those accounts are not matched and they still transfer money into those accounts? Wells Fargo Bank seems allow those fraud bank accounts holder open those bank accounts so easily and without limitation. 

Best regards, XXXX XXXX General Manager E -  XXXX T - ( XXXX ) XXXX XXXX F - ( XXXX ) XXXX XXXX M- ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I closed my capital one secured platinum card and paid the balance in full. It has been over a year and they refuse to send my XXXX dollar deposit back. They had me send various documents and told me I would get the check in XXXX weeks. I have sent them these documents 3 times. Now they are requesting them again. They will not givee my refund.
Product: Vehicle loan or lease

they are charging interest on my separate principal only check. and they are taking interest out of it. when i specifically said not an the check and a note.