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

I recently requested my statement from Aqua Finance Inc. When reviewing my statement I discovered that the first six payments that I made to the company for my monthly pool payment of {$750.00} had been taken strictly towards interest. Not a single XXXX of that initial {$4500.00} went towards the principal! As I continued to review the statement I noticed that even though I have a fixed interest rate of 10.9 % the amount of interest that I was required to pay monthly varied significantly. Even though I was consistently making my payments, the amount of interest that was being collected would actually go up which doesn't make any sense because if I have a fixed interest rate and I'm making my payments monthly even if the principal is decreasing by a small amount, the amount of interest collected should always decrease and never increase. I'm not talking about small amounts either, this company takes whatever amount that they want from your payment and will keep it as interest. The math is simple, if I am paying monthly on my account that has a set interest rate my principal and amount of interest ( dollar amount ) should decrease and unless should never increase unless the interest rate changes or there is a late fee. One month the amount of interest collected was {$270.00}, the following month they took {$390.00}, the following month they took {$580.00}, and the month after that they took {$680.00}. Payments were all made on time in the amount of {$750.00} and Aqua finance Inc just arbitrarily choose to keep whatever they wanted and just disregarded the terms of the contract. Business should not be allowed to take advantage of consumers like this and it is a disgusting practice. I have emailed the company twice and I have gotten no response and I spoke with a representative and he couldn't provide answers as to why this was occuring ( although there was also a language barrier between him and I ).
Product: Checking or savings account

XX/XX/XXXX - XXXX XXXX XXXXXXXXXXXX XXXX XXXX placed a temporary hold at checkin For {$240.00}. 

At checkout hotel charged {$220.00} from the temporary hold of {$240.00} leaving a balance owed back to my account of {$15.00}. 

Cash app claims that on XX/XX/XXXX the hotel placed a hold on the remaining balance of {$15.00} which is impossible because we werent charged until XX/XX/2024 And the hotel didnt claim the {$220.00} until after XX/XX/2024 leaving a balance of {$15.00}. 

The hotel denies placing a hold on the {$15.00} and states that when the received the {$220.00} the remaining balance of {$15.00} is automatically released back to my card. 

Cash app policy also states that when the hotel collects their payment any remaining balance for the transaction is automatically released back to the account Cash app has held my return on several occasions from several hotels and they state that the hotels place holds on the return funds. Each time the hotels have denied ever placing holds on my return funds. 

Cash app transaction list on my account only shows the original temp hold of {$240.00} it doesnt list the hold for {$15.00}. 

I do believe that cash app is retaliating against me for filing these complaints with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiples disputes regarding information Equifax has wrongfully reported on my consumer report. It has been more than 30 days and have yet to receive any response or update. Please find the documents attached as I have taken the necessary steps advised to fix this urgent issue.
Product: Mortgage

Our complaint is about Penfed not honoring its advertized policy of holding the loan rate unchanged, in spite of their agreeing to " lock the rate for 60 days ''. 
When I ( XXXX ) made my first call to Penfed, in XXXX, I enquired about the terms and conditions for a loan rate which they had advertised. I was told that besides the usual creditworthiness etc, there were XXXX conditions. The loan should be a " conforming '' loan ( amount less than {$410000.00} ), and there should be a 20 percent down payment. In a few days I called again to finalize the amount of the loan. I mentioned that based on the on the value of our house given by XXXX ( {$580000.00} ), 20 percent down ( {$460000.00} ) would exceed the the first condition, so I was considering {$410000.00}. I then asked if, on the other hand, I were to request {$400000.00} ( which would be 30 percent down ), would that lower the loan costs? I was told that it would not. The loan rate would not change as long as the criterion of 20 percent down was met. 
So, we filed an application for {$410000.00} and chose to " Lock the rate for 60 days ''. On XXXX XXXX we received an " Interest Rate Confirmation Agreement ''. More than a month later, XXXX XXXX XXXX ), my wife received a mail saying that the house appraisal had arrived and that it was adequate. However, in a few days the interest rates went up, and they sent us a new loan agreement. While this new agreement nominally had the same interest rate, the other costs had dramatically increased by about {$6000.00}. I complained, and I was told that the costs had gone up because the appraisal was too low. I pointed out that while one can raise questions about the method of appraisal, it still satisfied the 20 percent criterion, and as a matter of fact, their first reaction to the appraisal was that it was " good enough ''. As a result of my protest the loan costs were slightly reduced, but they were still far higher than the original agreement. 
In a nutshell, in spite of promising a 60 day lock on the interest rate, effectively the rate was significantly increased. And in spite of a subsequent modification ( after our complaint ), it still stands quite a bit above the original agreement. 
We are enclosing the following : File 1 : The original contract File 2 : Letter indicating that the appraisal was " good enough ''. 
File 3 : Modified rate File 4 : Readjusted rate File 5 : Appraisal XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX XXXX I received a email from my XXXX XXXX XXXX informing me that may credit limit was being reduced from {$6600.00}. to {$500.00}. because of a report from a consumer reporting agency, which indicates that I have a " substantial number of debts owed other creditors ''. I contacted customer service at the card company and they informed me that Equifax provided the information. I obtained a credit report from Equifax and see that my report is clean and free of any debt. 

I tried to file a dispute with Equifax using their internet format for over two ( 2 ) hours and was consistently timed out. The information provided to XXXX, by Equifax is at the very least inaccurate and has had an adverse affect on my credit. 

I have gone to great lengths in my lifetime to protect my credit and have no debt on a monthly basis other than my utilities and credit card purchases.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns with the Zelle platform am handling any disputes in light of recent CFPB lawsuit that highlighted issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution failed to investigate my claims. The informed me that receiving lost funds was impossible and also tracking the transactions were impossible the CFPB findings indicate that Zelle has not only neglected to protect customers but has allowed repeated offenders to exploit the system leaving users vulnerable to scams.
Product: Credit card or prepaid card

To whom it may concern : I've had the credit card opened at Home Depot on XX/XX/2020 and spent {$97.00} that same day. After that is the pandemic, social distance. I did not check my mailbox for a long time, not open my mails until last month to get notice of debt collection and the amount goes up to more than {$240.00}. I called and explained to them the situation. I have a XXXX  credit card and when I was two months late they called me, I paid over the phone right away. I wish HD did the same but they did not. I tried to call the numbers XXXX, XXXX, XXXX, XXXX and talked to XXXX, XXXX from collection centers. They filed the complained and they can not resolve the issue for me. 
I was calling to see if they could waive the late fees but they are not from Citibank or Home Depot so they can not do anything about it. The phone number from Citibank, the person ( XXXX ) can not access my account so they can not waive the late fee. The number from HD, whenever I enter the account number or my SSN it directs me to the collection center. I one time can talk to someone from the HD in my first attempt last month but he also asked me to wait then forwarded me to the collection department. 
During this pandemic, everybody has a hard time and they try to get money by applying late fees without a courtesy call. I believe it's not right. They threaten me if I do not make payment by XX/XX/2020 I will face difficulty in applying for a loan/mortgage later. It's also not right. Now the new balance after I make the original balance of {$97.00} is {$160.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX and Experian emblem XXXX has opened. My account is no longer close. All of my everything delinquent is supposed to come off my account. Im going to attach a letter from the bank from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all of the Designed Receivable account entries that are reflected on all of my credit reports with the credit bureaus as well as with Designed Receivable. In my most recent communication to them dated XX/XX/XXXX ( see attached ), I specifically requested that they provide a summary of all account activities, copies of all charge slips, and all other documents proving indebtness, copies of all documents sent to me regarding the alleged account and copies of any papers that show I agreed to pay what is alleged bearing my original signature. To no avail. 

Designed Receivable responded in their letter dated XX/XX/XXXX, confirming that the accounts did not belong to me. In fact, they only referenced 1 of of the 4 accounts that they are negligently reporting. How so? Why were they not able to provide any substantiating documentation for the other 3 accounts. Designed Receivables did not provide a copy of the financial responsibility page, nor did they provide a copy of my signature with the provider of service to release medical information to them ( for any debt they are alleging is mine ). Designed Receivable did not provide a dunning letter prior to inserting these inaccurate, unverifiable derogatory entries on my credit report. 

To that end, DELETE ALL THESE ERRONEOUS, INACCURATE, UNVERIFIABLE ENTRIES FROM MY REPORTS. They lack veracity in their reporting. The date opened for the same accounts on each bureau differs. This is a violation of the FCRA. They are reporting that the accounts are past due and that is inaccurate as I have never opened an account with them nor have I ever did business with them. If these accounts were mine, they are reporting the hospital name on XXXX and that is a violation of the FCRA and FDCPA. In summary, there are many violations that are blatantly reflected among all entries on all 3 of my bureau reports. DELETE IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

i reached out to all XXXX bureaus on XX/XX/2024 about inaccuracies and fraudulent information on my credit report that needed to be deleted immediately. it has been XXXX  days!!!!!! i am going to the police to see what i can do about the cfpb and the bureaus not taking the proper action in the amount of time. this is ridiculous. im going to contact national news and make this a headline mark my words. XXXX  days and counting is illegal. do not be surprised when i get a lawyer involved.
Product: Mortgage

During this Hardship of the Coronavirus i contacted my mortgage company to ask for a Deferment and they said whatever month i don't pay it would double the amount the next month weather i am out of working or not. I explained how was able to do that if i was not working and when i was working i was only capable of paying for just one month. Basically they said it doesn't matter accept it or don't that is all we are offering.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I provided TransUnion with a letter informing them that I am a victim of identity theft and that some information on my credit report does not relate to any transaction ( s ) that I have made. In addition to that letter, I also provided TransUnion with a copy of my Identity Theft Report, proof of my identity, and a copy of section 605B of the Fair Credit Reporting Act, which requires TransUnion to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that TransUnion disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that resulted from identity theft. I requested copies of the documents that were used to verify the accounts. I did not receive those documents and TransUnion continued to furnish information about the accounts for which I submitted an identity theft report. The consumer reporting agency did not reasonably determine that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. TransUnion did not have a valid reason to decline or rescind the block. Which is violating my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). I have attached the initial letter, FTC report, and proof of identity.
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX XXXXXXXX, XXXX cardXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights and have inconsistent information being displayed on all 3 bureaus.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 section 1 : states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

Truist Bank is reporting bankrupt account as open and past due.
Product: Checking or savings account

On XX/XX/XXXX, I deposited an escrow refund check from XXXX XXXX XXXX XXXX  into my TCF checking account. 

The teller deposited my check, I withdrew {$300.00} from the {$2000.00} total and left the bank. 

Within an hour, my bank account dropped to - {$810.00}. I called the bank asking for an update about what could possibly be going on with the funds? They said that there was a " double hold '' on the account and that by the next day the remaining funds should clear as my available balance was {$1700.00}. 

Later in the evening, my account we down to - {$2100.00}. ( More than what was even deposited. ) My account was then frozen for the week. I was sent 3 different pieces of mail. One piece said that my account had been overdrawn by $ XXXX and that I would be facing overdraft fees. 

The next piece of mail said that the bank has placed a hold on the deposit because " it had confidential information saying that the check would not be cleared for deposit. '' But, that the funds would be available on XX/XX/2020. 

The last piece of mail was a " stop payment '' slip from TCF in the amount of {$2000.00}. 

I went to XXXX XXXX XXXX XXXX  and asked them if they stopped payment on the check. They did not. I did not stop payment on my check and TCF claims they did not stop payment, but to go back to the issue to ask. I did. They didn't stop it. 

I received a bank statement showing that {$2000.00} went into my account and {$2000.00} went out of my account. 

My account isn't shut down. I haven't been flagged for fraud. No one reported the check as fraudulent. 

I have had to go into TCF every month for at least 6 months to complain about overdrafts/unauthorized charges/miscalculations/money being deposited but taken out of my account for services I already canceled, etc.

Everytime, I received a placated answer from bank employees that literally turned my issues with the bank around on me ; ultimately making it look and sound like I just couldn't manage my finances or add correctly.

I'm done, TCF. Where did the funds from my deposited check go?
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$11000.00} I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

On XXXX XXXX, XXXX I received a email that Integrated Services was the collection Company that received the case from XXXX. For a total of XXXX I agreed for a settlement of XXXX to be paid in XXXX payments as follows ; XXXX/XXXX/XXXX XXXX} XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX For a total of XXXX After I received this email I was told by XXXX XXXX XXXX that a processing fee of XXXX} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the XXXX XXXX XXXX on XXXX page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put XXXX payment as agreed for XXXX XXXX that same day about XXXX am est XXXX called XXXX XXXX and harass him about my XXXX payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they XXXX and made a withdrawal of XXXX. I requested a copy of my new balance with should be XXXX that was not send to me via email. If I do not reveive my new balance of XXXX I think this is a fraudulent transaction made by Integrated Recovery Services..I also requested that they contact me via US Postal Services XXXX no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID
Product: Credit reporting

I keep having issues when trying to apply for things because they say my name and address dont match, or my name and social security number dont match. I tried online to fix this with Equifax and they dont allow me access and I cant get someone on the phone. They asked me to fax documents to a number which I did and still nothing has been updated. 
This is causing me alot of problems getting credit because people think that Im a fraud and Im trying to get a home equity loan now. I really need this fixed. I moved and bought a home in XXXX. I changed my address with the XXXX and the postal service so I dont know what the issue is?
Product: Debt collection

CMRE XXXX. XXXX XXXX. {$46.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.