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

In XX/XX/XXXX, I made a purchase through DellXXXX with a promotional financing plan that I understood to be interest-free if the balance was paid within a specified term. I made all monthly payments on time ; however, these amounts varied unpredictably, making it challenging to track the balance and anticipate the final amount due. Despite my understanding of the plan as interest-free, a {$550.00} deferred interest charge was applied to my account on XX/XX/XXXX, following the plan 's expiration on XX/XX/XXXX. 

Upon noticing this charge, I initially reached out to Dell Customer Care and then began receiving responses from Comenity Bank on XX/XX/XXXX, as they manage the Dell financing account. I followed up multiple times, requesting clarification and a waiver of the interest charge, as I had not been informed that unpaid interest would be retroactively applied. I also settled the remaining balance to prevent further complications. Comenity has responded that the charge is accurate but has not addressed the inconsistent payments or my misunderstanding of the terms. I respectfully request that this charge be waived.
Product: Mortgage

In XXXX of 2015 I placed an offer on a short sale home. I was told that US Bank ( mortgage holder ) requires 90 days to review the request. We are now approximately 214 days out without a response from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

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

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

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

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

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

PNC Bank decided to just close my business account, kept {$500.00} and according to them instead of giving me my money they sent it to the Florida Treasure Hunt. I have been between the Bank and the FTH for months and months and both say that neither of them have the money and it is evident that some of them do. What can be do? 
I am very angry with this situation. 
I hope you can help me. 
Thank you so much! 
XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I took out a payday loan from XXXX XXXX, in Ohio, in XXXX. I then enrolled in Consumer Credit Counseling to consolidate and reduce my debt, including payday loans. 

Then a couple of months ago, XXXX XXXX, XXXX in XXXX, GA, contacted a family member of mine, telling my family that I owed XXXX XXXX for this past debt from XXXX. XXXX XXXX   pressured my family member to provide some information regarding this loan, including threatening a lawsuit or criminal charges brought against me. XXXX XXXX told my family member that the statute of limitations on payday loans in Ohio was up to 12 years. I was never contacted in any format, including by phone or through writing in the mail, about XXXX XXXX ' claim of this loan. 

I check my credit score every couple of months, and on XX/XX/XXXX, I saw that XXXX XXXX listed this issue as a derogatory mark on 1 of my 3 credit reports. In this derogatory mark, XXXX XXXX   lists the opening date of the loan as XX/XX/XXXX, which is false information. 

I have filed a direct dispute with the Credit Reporting Agency that lists this derogatory claim on my credit report, and I am currently waiting on the results of this inquiry. 

The name and contact information of this company that is making this false claim is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1682 section 602 A States I have the right to privacy.

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XXXX I reviewed my credit card statement from Bank of America and discovered fraudulent charges totaling XXXX. I contacted them on XXXX to report the fraud and a customer service representative indicated that the charges would be reversed pending an investigation. On XXXX I received a letter denying my fraud claim. I then contacted their fraud department asking about how to appeal that decision and was told I would have to contact the retailer XXXX XXXX XXXX that allowed the fraudulent charges and my fraud claim would be kept open. I, twice, by email, requested XXXX XXXX XXXX send me information regarding the fraudulent charges but they refused to give me information. I also sent information to Bank of America by mail indicating that there were fraudulent charges on XXXX. I filed a Identity Theft Report with the Federal Trade Commission on XXXX as well since it was clear that someone was able to use my credit card to initiate an agreement with XXXX XXXX XXXX in my name and continue to order items. As of XXXX I have yet to receive any communication from Bank of America and XXXX XXXX XXXX has refused my request for information. Therefore I am at an impasse and would like some assistance in resolving this issues.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

They're attempting to charge me a debt for a vehicle I never purchased. I I was thinking about buying the car.I had he car 2 days then returned it because, it wasn't properly maintained had several engine issues. Sales Manager didn't want to honor me returning his car. 


XX/XX/XXXX -XX/XX/XXXX
Product: Vehicle loan or lease

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

This is a follow up on the original complaint number : OMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE LOAN NUMBER ; XXXX ( SPECIALIZED LOAN SERVICING ) INVESTOR ( XXXX XXXX ) According to the servicer the investor listed on the mortgage note is XXXX XXXX XXXX 
XXXX XXXX has denied that they are the investor and the loan is serviced by Specialized Loan Servicing. 
1. According to Specialized Loans Servicing, XXXX XXXX does not allow a recast on this loan. XXXX XXXX has repeatedly stated they are not aware of this guideline. 
2. Specialized Loan Servicing took a payment on XX/XX/XXXX for the month of XXXX, XXXX stating that payment will allow the loan to be setup for a bi weekly payment. 
On XX/XX/XXXX XXXX the servicer request a payment be made and applied towards XX/XX/XXXX mortgage payment at which stage a bi weekly payment will be allowed. 
At this point they have taken two payments and they are not able to setup a bi weekly payment for the month of XXXX  on the account.
Product: Mortgage

I have noticed that interest rates for mortgages have been falling since I purchased my home and began an inquiry through the rocket mortgage app to get information on my current loan which they are the services of. I started on the app about a quarter before midnight, but due to incorrect information about me having another lien and no one available to speak to in customer service at that hour I left it as is with no desire to continue. I never submitted any application as the information they had was wrong and I did not want to further the process. This morning XXXX I see that there is an application requiring documentation on my end which was not my doing. I also got a text message from a banker at quicken loans rocket mortgage offering me his assistance but I never solicited that either. I called rocket mortgage customer service after receiving a XXXX XXXX and XXXX XXXX notification of a hard inquiry on my report. Upon trying to communicate with the banker about the inquiry he gave me incorrect information in attempt to get me off his back.
Product: Credit reporting or other personal consumer reports

Are transaction allowed on your consumer credit report? Are charge-offs allowed on your consumer credit report?
Product: Credit card or prepaid card

Ive been with Capital One for over 10years. I have XXXX cards. The XXXX card ( opened XX/XX/XXXX ) has an interest rate of 19.90 % plus a {$59.00} annual fee. This card was sold to Capital one years ago and they will not remove the annual fee or lower the interest rate which I ask twice a year for over 10 years. The annual fee Im not sure how they can charge for a fee from another company. That disclosure about the fee is not with capital one but the old company. The second card ( opened XX/XX/XXXX ) was an original Capital one card with an interest rate of 22.90 % with no annual fee. I dont understand how after all these years as a loyal company they will not lower my rates or remove an annual fee that Capital one doesnt even charge and is from another company. I feel XXXX XXXX for years have been doing unfair credit card practices with the large rates and annual fees. No one can ever explain how in years my rate has never been lowered. All the Managers I speak with brush me off saying its nothing that can be done. Both my XXXX XXXX card rates are 12 % & 8.99 % with higher limits, so its no way I should have such large rates with Capital One. Ive also submitted a complaint with the XXXX a few years ago and nothing happened. Please make them responsible for these unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX Balance : {$19000.00}, U S DEPTOF EDXXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX ( OriginalCreditor : XXXX ) XXXX Balance : {$89.00}, XXXX XXXXXXXX : {$0.00}, XXXX XXXX  Balance : {$180.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

I bought my home in XX/XX/XXXX and refinanced with XXXX  dba XXXX in XX/XX/XXXX which sold the loan to XXXX in XX/XX/XXXX. There have many different Servicers and the most recent on is Caliber. 

Caliber asked us to provide them evidence that we paid them during XX/XX/XXXX to XX/XX/XXXX, but they denied receiving it See evidence attached. They charged fees and expenses during my active Bankruptcy, which is presently in appeal before the XXXX Circuit and we are going to Court Ordered Mediation. ( ADR ) Per RESPA, TILA, FDCPA, FAC, CAL CIV CODE, etc. We requested further information from Caliber and XXXX XXXX XXXX, allegedly acting as a Trustee for the XXXX XXXX XXXX Trust, and they have failed to provide it and disclose detailed information about this Trust which we require for Mediation. 

We have also demanded a copy of their most recent Proof of Claim ( POC ) and rectification of what they have stated in the attached documents. 

Also, they keep attempting to foreclose on our property even though my wife has filed a Chapter XXXX BK and has an automatic stay in place. 

They have even sent drones and taken pictures of my family and home without our permission which is totally unlawful in XXXX. We filed a complaint with the XXXX Police Department with evidence, and they must now disclose the information of who was/were the individuals that flew the drone ( s )  over our home near the XXXX Airport, and deliver the originals to the Police Department in XXXX, or run the risk of any employee of XXXX XXXX DBA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CALIBER HOME LOANS, et al being arrested. We are in the process of filing a Temporary Restraining Order ( TRO ) against them. 

We await all the documentation requested as soon as possible.
Product: Credit reporting or other personal consumer reports

Past credit card account 's, accounts that has been paid still show on credit report. I've called and spoken to them several times and nothing is done about Transunion XXXX and XXXX. 
Its Impeding my credit score to increase. Trying to get my credit on track to find a place to stay. 
Homelessness is not nice at all. 
XXXX XXXX
Product: Student loan

I originally requested a refund from EdFinancial for my XXXX loan on XX/XX/2022. I was originally told it would take 4-6 to receive my refund. I called again, twice, on XX/XX/2022 and was told to wait until 6 weeks. It's been 7 weeks now, so I called again today on XX/XX/2022. Now, I was told it will take 60-90 days, and that my request has not even been processed. However, if they take that long to refund me, then it will put me in a situation where I will have to start paying interest on my loans while waiting for my loan forgiveness, despite having already paid them off in full. 

They also can not provide me any information about my request details because it has not been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax illegally shared my information along with the information of millions of other Americans via poor cyber resiliency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  hard inquiry of XXXX 2018 I still need requested file for fraud review. XXXX XXXX   denies inquiry. 
Reinvestigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander auto loan was paid as agreed and is reporting as a charge off. Multiple inconsistency between all 3 reports. Called Santander and requested my information about my account. Still haven't received it in the mail. Was denied online access to my previous account. Was denied to be emailed my information. 
Disputed thru credit bureaus- updated/ verified information is still inconsistent. 
Please delete this account from my credit report or update as paid as agreed. Inaccurate/ incomplete reporting is damaging my credit score. 
Also Santander is under litigation for unfair and deceptive lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX XXXX  ; XXXX, {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX {$3400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX XXXX {$6500.00} XXXX OF XXXX  ; XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1200.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. XXXX, Transunion, and XXXX are in direct violation of these codes by furnishing and reporting these accounts on my consumer report.