23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To : Home Depot att Mr. XXXX Re : Deceptive billing practices From : XXXX XXXX XXXX XXXX Dear Sir, I wanted to write you to expose a huge deceptive practice I have recently encountered when looking into my Home Depot account. 



When I got my bill and saw the minimum payment I set up my XXXX XXXX XXXX online banking to pay my monthly payment to home Depot. In fact I paid an amount in excess of the minimum. Once I had this set up I did not visit your billing since I was on autopay. As luck would have it, I needed to check on one of my purchases. Well did I get a surprise and not a good one. 

I opened my statement and to my surprise I saw an interest charge. How could that be : I have set up auto pay, I was paying more than required. This was very disturbing to me so I called to follow up. 

What I learned was really bad!!! 

So even though the statement showed I had no payment due I was directed to the SMALL PRINT outside the billing information box. There I was advised is the reason for the interest charge and I was introduced to Promotional billing and Revolving charge billing. 

That is a highly deceptive process..statement shows nothing due and then the cleverly disguised revolving charges due. 

THAT IS AT BEST LESS THAN TRANSPARENT AND MORE ACCURATELY SMELLS OF OUTRIGHT DECEPTION. 

WHY NOT BE HONEST AND SEND 2 SEPARATE STATEMENTS : A-PROMOTIONAL BILLING B-REVOLVING PURCHASE BILLING I would like to hear your side of the story before I seek help of FINRA or other oversight agency. 



As a regular customer this is very, very upsetting. I will await your reply. 



XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Driven by Excellence! 

SERVING WITH INTEGRITY! 

XXXX XXXX XXXX
Product: Mortgage

I applied for a loan for a new mortgage, after I sold my existing home. The lender, " Loan Depot '', is  the same lender for both loans. 

I have had difficultly with the account manager XXXX XXXX at Loan Depot, who I believe at this time is negligent in the handling of the paperwork I continue to submit to her over and over again on a weekly basis. I ask for verification that she has received the paperwork I have submitted to her, but never hear from her until late Friday afternoon asking for the same paperwork I sent to her earlier in the week. 

Last Wednesday XX/XX/XXXX, I requested someone different to follow this process through to her and my loan officer. She said no, she would be the one to follow the loan. 

I also feel at this time, she is doing it out of harassment because I am so vocal about her incompetence regarding the paperwork.
Product: Student loan

In XXXX of 2021, XXXX XXXX acquired my student loan from XXXX XXXX. My monthly payment is {$50.00} at a fixed interest rate of 5 % ( see attached XXXX XXXX ), I have never missed or been late with my payments. Just before XXXX, I noticed that an inordinate amount of interest was being added to the principal loan balance. 

After my last monthly payment, my balance was approximately XXXX. At 5 % interest, this would have added about XXXX ( 5 % of XXXX = XXXX = {$9.00} ) on my next payment due on XXXX. Instead, the company website reflects an increase to XXXX ( see attached ) which is an increase with interest amounting to about 19 % ( 19 % of XXXX = XXXX = {$35.00} ). 

As a result of their failure to reply to my inquiries I, of course, have not made the most recent payment. As, with such wild swings in the interest rate, making my XXXX payment, I will never see the end of this debt. No reasonable or responsible person would pay under the circumstance of the company breaching the agreed fixed interest rate of 5 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX  XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX  ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX   ( XXXX ) 11 ) XXXX XXXXXXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an XXXX  son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. Transunion and XXXX continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX XXXX XXXXXXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXX XXXX XXXX XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX XXXX XXXX  Is missing payment history, shows inaccurate information and shows late 120 days XXXX months. Please provide physical proof this account belongs to me or remove it! 
XXXX XXXX XXXX XXXX XXXX  This account shows inaccurate Transunion shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Product: Credit reporting or other personal consumer reports

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting ActXXXX 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Reporting a debt on all 3 of credit bureaus ( XXXX, XXXX, XXXX  ) Is the result of Identity Theft, police report and FTC Affidavit on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to say that I was unable to access all three of my reports due to technical difficulties and not being clear on how to navigate back to annual credit report.com to view the other reports. This needs to be fixed and repaired. Now my only option if I want to see the other two credit reports is to pay for them? How is this a government safety net that I get free credit report if I dont understand how to navigate back to be able to see them all? Guess I have to pay for them now? NOT FAIR!  Terrible terrible & awful website navigation icons/directions. 

So what do I do now? Im buying a house and I need to be able to look at all three of my credit reports and now I am unable to because they say Ive already gotten it for the year. However as I explained above I was unable to navigate back and look at the other two reports. Also Equifax said that they were unable to provide my credit report online that I would have to mail away for it.So how  my supposed to repair my credit or check it if Im unable to see it? I have to qualify for a loan in 30 days I cant wait for Equifax to mail me a report, if they get around to it, and I dont want to have to pay for it because I am entitled to a free credit report from all three bureaus which I did not receive. I received one from XXXX. I need my credit reports. please get back to me XXXX or email me at XXXX thank you
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX, 2020, a " Hard Inquiry '' was made on my credit to XXXX by JPMCB Card Service. I did not authorize any such request. I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). - I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact JPMCB Card Service ( and had no luck getting any real answers or help/guidance ) - I have contacted XXXX, but have no luck getting any real answers or help/guidance ).
Product: Mortgage

This is the second time Truist has bought insurance with our escrow account money even though we have sent our insurance confirmation MANY MANY times. They sent a letter a few weeks ago requesting proof of insurance. We uploaded the proof of insurance ( to their portal ) and got a notice that it was not " accepted '' -- so I called and spoke to someone who said I was using the wrong term in the subject line of the email. So I sent the information AGAIN and AGAIN received a notification that the proof of insurance was not accepted. I called again and the person told me that because my condo association purchases the insurance, it was confusing the system, and that he would find my submission and manually put it through. Next thing - I get a letter saying Truist has purchased insurance ( {$830.00} ) using money from my escrow account. What is especially frustrating is that this EXACT thing happened last year and Truist did not remedy until I wrote to CFPB - then they corrected it and refunded my money. Do I have to go through this every year?? Our mortgage was with XXXX XXXX and XXXX XXXX XXXX  for many years and I never had this issue with them. Is it possible for me to move to a new mortgage servicer? It is very frustrating because they have access to my money and do not seek permission from me before withdrawing from my escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called on several occasions to notify CMRE that they are reporting erroneously due to the fact that I have been on XXXX XXXX  for the last 15 -20 yrs. I requested them to contact to verify and Bill the insurance  company, they also have duplicate reporting of the same account information at which I have also requested they fix their error. When I contact the office all they do is attempt to collect the money completely ignoring my request to speak with the director of operations and or their compliance department, still have not been able to speak with anyone othet than the operator who answers the toll free number. As well as XXXX dispute process not reporting my statement accurately. I also tried unsuccessfully disputing thru XXXX back in XX/XX/2019. CMRE is the collection agency violating my rights under federal law
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Ive been in communications with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.
Product: Checking or savings account

My account was closed on the XX/XX/year> and I was expecting a refund of the remaining balance of {$610.00} in my checking account. However, this did not come through and all effort to get this money refunded were all to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert email from my bank on Sunday XXXX stating a lender checked my credit report AND verified my identity. After I accessed my bank 's mobile app, I found info on the lender and called Monday, XXXX To my surprise and relief a step answered and after exchanging info, she informed me the credit card that I didn't apply for was flagged and on hold pending further investigation.She also informed meet was applied for on-line and none of my personal devices were used for this action. Please consider this a concern and not a complaint against the lender. Mt complaint is with the person/people who attempted to use my info to procure a credit card!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on forbearance with XXXX and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized inquiry by XXXX XXXX dated XX/XX/year>, on my TransUnion credit report. I did not authorize this inquiry or provide permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). I immediately submitted a dispute letter to TransUnion, requesting verification of the inquiry, including documentation of a signed consumer authorization. Despite this, I have not received adequate evidence proving the legitimacy of the inquiry.
Product: Debt collection

There is so much malfeasance with XXXX nationally and internationally that I am mad my tax dollars helped them to survive. XXXX fails to communicate with consumers when it is obvious they have made a mistake. Instead they coverup and make all seem as if its the consumers fault. 

In cases XXXX and XXXX XXXX continues to create havoc with lies, lies lies! I recently reported a XXXX on XXXX XXXX, XXXX who I feel will counter with another idiotic letter about my accounts. In XXXX XXXX I opened the case ending in XXXX. Case in point in the recent letter I received and do n't know why, he/she sent me a thick packet of the closed credit card account doc 's. I did not request this and there was no explanation as to why it was sent. 

Since the bureau in early XXXX XXXX accepted and sided with XXXX explanation on why/when a payment is made there is no reason why a consumer needs to be informed when a payment is made, what the current balance is. Why and who ask XXXX to send me the huge packet beats me. I assumed the bureau accepted the very weak explanation why consumers do n't need to know what their ending balance is. So guess its ok for XXXX to have a consumer just pay, pay, pay. 

So, XXXX collapsed this case with the case ending in XXXX where a client liaison XXXX XXXX XXXX admitted in the XXXX XXXX, XXXX response that XXXX made a mistake purposely sending my payments ( account # written in the check memo section ) to the credit card account, and calling me a liar or as they put it when the case was opened, " XXXX XXXX claimed ... ''. In the XXXX paragraph he stated " please allow 7-10 business days for the payments to be removed and reapplied to the checking plus account '' then he sent my account to collection agencies. XXXX XXXX seemed to feel the pressure of his lies, and referred the case to XXXX who is a regulatory complaint specialist to make all look as if I defaulted. 

In his/her XXXX XXXX, XXXX response XXXX stated in paragraph XXXX " in XXXX XXXX the error was corrected and the payments were transferred .... and posted as of the date they were received. There was never a letter letting me know this. Instead in the last paragraph he/she stated " It will be necessary for you to contact Capital management XXXX to discuss settlement options that might be available ''. 

These people must be on an opioid! Let 's face it XXXX, you cashed the checks in a timely fashion but, lied that they were never received then, covered up the checks were " erroneously applied to the credit card account ' ending in XXXX. Then XXXX stalled and procrastinated forl six months jerking me around, where I had to involve my Congressmen.For spike of involving my Congressmen XXXX sent the account with the new reduced amount of {$450.00} to a collection agency. Anyone who is a " logical '' thinker would see this is a coverup. So XXXX man-up and admit the truth, you lied.
Product: Credit card or prepaid card

My XXXX XXXX XXXX on XX/XX/2021. She had been receiving Social Security payment into her Direct Express debit card issued to her through SS. When she XXXX, I notified SS to let them know so they would not issue any more payments to her debit card ( I did not want to have to return the money ). 
Direct Express closed her account which had apox. {$1200.00} in the account. Because SS issues payment for the previous month, none of that money had to be returned to SS. 
In XX/XX/2021, I sent a letter to Direct Express asking for the balance her Direct Express sent me a letter XX/XX/2021 stating there were no funds in the account to be disbursed to me and just referred me to SS. 
I contacted SS about the funds, and they said they did not show any funds being returned. They did not offer to call Direct Express to settle this problem. 
After several back and forth calls to both Direct Express and SS, I never have gotten any information where the money went or when it was taken out of the Direct Express account. 
I am attaching the last letter ( sent by reg. mail ) to Direct Express summarizing my demands for information concerning the missing funds. I NEVER GOT A REPLY. 

There is no way funds can be taken out of a bank account without a complete XXXX XXXX of where they went, time or date. 
Please help me resolve this money that was due my XXXX and our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last several months, I have applied for certain financial products in order to obtain new credit cards, personal loans, or vehicle refinancing. I have used either XXXX promoted products or products through XXXX XXXX. multiple companies other than those indicated on the XXXX XXXX product page, have contacted me with adverse action letters, although I never requested a loan or services through their agency, as well as them not being identified as on of the affiliated lenders. 

XXXX XXXX also provided false advertisement for the solicitation of credit cards, and then denied my application despite identifying I had excellent odds of approval. This caused unnecessary inquiry and reduced my credit score, causing me to suffer actual financial damage by increasing my interest rates for approved loan products through other sources. 

This matter IS NOT a part of the lawsuit by the Federal Trade Commission, as complaints for that settlement are for a specific timeframe leading up to XX/XX/2022. These loan products were recommended and denied via XXXX XXXX in XX/XX/2022, making it a separate issue not part of the original complaint, so I am not eligible for relief under the FTC 's complaint. XXXX XXXX continues to send preapproved credit offers, and just recently sent on on XX/XX/2022, which shows their continued violation of the false advertising. 



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: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX