23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Recently I was looking at my mortgage and trying to work out how I could pay my loan off faster then the remaining 15 years. The amortization calculator was not adding up right and I was thinking it was because Id had different levels of interest rates during the first 6 years of the loan. I contacted Mr Cooper, who is my current loan service provider, to request an amortization schedule. I was devastated to discover that at the end of the mortgage period I will owe {$170000.00} plus {$22000.00}. There is a line in the contract that says If on the Maturity Date Borrower still owes amounts under the Note and Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. I mistakenly assumed that this amount was the deferred principle balance of {$22000.00}. There is another line on a different page the again states The loan is payable in full at maturity. You must repay the entire principle balance of the loan and unpaid interest then due. There is a payment schedule showing different interest rates and the payments amounts for years 1-5, year 6 and lastly years 7-22. There is not a balance due listed at the end. No where else in the contract does it say that that balance is going to be almost $ 200K. The language If on the Maturity Date should have been When on the Maturity Date. I feel like I was deceived or intentionally misled by XXXX. I didnt think I would need to pay an expert to look over a mortgage contract that was through a government assistance program such as HAMP, but obviously I was wrong. If Id been made aware that this was the contract they were asking me to sign I would have either tried to negotiate it or at least have been prepared to try and pay my mortgage down earlier. At this point I will be XXXX years old when my mortgage matures and will have to try to figure out how to pay $ XXXX.
Product: Payday loan, title loan, or personal loan

I was paying off a loan until my income vhang d drastically. I had paid over a year and was down to {$300.00}. Tower Loan garnished my wages. My bank informed the company that my income was federally protected XXXX XXXX direct deposits. The creditor resent the garnishment order again anyway and removed {$300.00} fromy account and had the bank to freeze my account for XXXX XXXX. I contacted the bank and they told me to contact Tower Loans. I contacted the manager and asked her to release my funds on XX/XX/2019 She was extremely rude, unapologetic, and said that she was told my funds were protected but that she could release the funds back to me whenever she wanted to then hung up the phone on me. She refused to talk to the bank representative or release my funds. I had already dealt with Tower Loans manager when she came to my house to repossess the collateral furniture I had bought through the loan company. I brought the items to her to satisfy the {$300.00} remainder on my loan. There was a couch, rug, and two bed frames. The manager said she could not take the items in her car that day bout would return with a truck. She never came back and instead garnished my account month after month. I was not protected by my bank XXXX XXXX whom I have banked with for over 10 years. Tower Loan is deceptive. I had XXXX perfect loan histories with Tower loan but fell on hard times with a mere {$300.00} balance and they refused to work with me and decided to mess up my accounts placing holds, holding money I needed to pay rent, buy diapers, and feed my children. Tower Loan on XXXX XXXX in XXXX XXXX XXXX not a good company to work with.
Product: Checking or savings account

I initially made a purchase from XXXX XXXX on XX/XX/2022. The items were too small and I returned them to be exchanged for larger sizes. The company didn't have the products and the cost of the order was {$160.00}. XXXX issued a credit for their site on XXXX, XXXX, XXXX at this time there were no items available on the site. XXXX over month there was a lack of merchandise on the site so the credit couldn't be honored. I then requested through US bank to dispute the original charges approximately XX/XX/2022. The original dispute was closed stating I didn't return proper documentation. However, when I called they had received the documents and were supposed to reopen the case on XXXX XXXX. They failed to do so I called again in XXXX to have this issue re-evaluated. The case was mishandled with little regard, because they continued to fail to update their notes that the documents were received and would only find them once I clearly stated they were sent and your co-workers verified these documents were sent. This case needs to be reopened and my refund needs to be issued.
Product: Checking or savings account

Bank Of America ( BOA ) is charging Overdraft fees like anything. They charged 4 times overdraft fee in a single day ( each time {$35.00} dollars ) ( plz see the attached snap ). I called them and they said " System does not let us waive any of it ''. It has happened in the past and they did the same thing. BOA do not give me option to opt-out of this overdraft protection, I have requested few times in the past by visiting the bank but they always says that " Checking account has to have the overdraft protection ''. 
This is going crazy as BOA has charged 20 times overdraft fee ( {$35.00} XXXX  {$20.00} = {$700.00} ) between the period of XX/XX/XXXX - XX/XX/XXXX. 
They do charge lot of other fees like ATM fees ( {$2.00} dollar for each transaction using any other ATM ) but I understand that and not complaining about that. 

But I want all overdraft fee to be waived off. 
I am attaching the document which list down all 20 overdraft fee BOA has charged me between XX/XX/XXXX - XX/XX/XXXX period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank allowed an imposter to open a business account fraudulently using my name, then granted this imposter access to my personal accounts on-line. Once on-line access was granted, the imposter transferred over {$45000.00} from my HELOC to their new fraudulent business on XX/XX/2019. Then numerous XXXX withdrawls and cash advances were permitted by Citizens. 

As of XX/XX/2019, Citizens bank has not returned the HELOC back to the prior level. Also, Citizens has not given me access to my personal checking and savings dollars, accounting for an additional {$70000.00}. This lack of access has resulted in several late and returned payments.

I have not heard when I will have my personal accounts and HELOC amount back to their levels/balances prior to XX/XX/2019. 

Citizens allowed an imposter to impermissibly gain access to my personal accounts in CT, and I live in PA.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries are listed on my credit report. Please remove all unapproved entries that are impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access myEquifax.com account for over a month. I called to correct the problem, went through all security protocols and the rep was still not able to fix the issue. I told it would he escalated. I received an email weeks later stating the issue was resolved. It was NOT. I replied to the email and received no response since. I an still unable to access my account. I can not review my credit report or score.
Product: Bank account or service

Citizen 's bank refused to accept a check for deposit to my and my husband 's account that has been issued by XXXX auto insurance company for insurance on my car because of my completion of driver 's defense course. Title deed on the car and the insurance policy is issued in the name of my and my husband 's living trust of which I and he are trustees and our adult children are co-trustees and I and my husband are managers of the trust.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX. XXXX {$390.00} # XXXX violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

d according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 in accurate.
Product: Credit reporting or other personal consumer reports

I was checking my credit score and the hard inquiries but when I clicked on it I noticed the capital one bank listed which I didnt recognize.
Product: Debt collection

This debt does not belong to me. I have never received treatment from this facility or medical group. I live in Arizona and this is in CA. The address on the letter is not mine nor has ever been mine. Per phone call made on XX/XX//21 XXXX  told me to bad thats what the company reported ( XXXX ) and I owe it. Asked to speak with a manager and she put me on eternal hold. 

I have called the medical group reporting spoke with XXXX and was transferred to a mangers voicemail ( XXXX XXXX ). No call back yet. 

This is fraudulent and I will also be contacting the states attorney office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some suspicious accounts and inquiries that are on my credit report today XX/XX/2020 because I was turned down from getting an auto loan with XXXX XXXX. I found several accounts and inquiries on my credit report that do not belong to me ; I did not open any of the accounts listed on this report nor did I allow anyone to open these accounts in my name. I am not affiliated to any of these companies and I did not benefit anything from these accounts such as money, services, goods or anything else and I did not take part in any purchases or payments made towards these accounts. I have filed a police report and a complaint with the CFPB in regards to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern ; I check my credit and notice some fraudulent Activity on my credit I have no knowledge of these Accounts nor did I give anyone authorization to open any Accounts. This is fraud. I would like to place a fraud alert on my credit so that this will not happen to me again
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXXXXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/23 I made a purchase from XXXX online, and realized it was a fraudulent site. I immediately called Barclays customer service to report the fraud and stop payment. I even received an email from them notifying me that it was fraudulent. They informed me that they could not stop payment or process it as fraud until the merchant was given two weeks to send the item. They cancelled my card and issued me a new card as well. After two weeks, I called Barclays customer service and notified them that the item had not been sent, despite my attempts to reach out to merchant. They said that they would process a claim. Several weeks went by and I did not receive any update. I then called back, and was told no claim had been processed, and resubmitted a request to dispute the claim. I then received a letter saying that my claim was denied " because they were not provided with the true nature of the dispute prior to the charge being disputed. '' When I called today, XX/XX/23, to inquire what that exactly meant, I was told that they could not help me resolve the issue because the claim had been closed, and that I would have to write and send them a letter requesting that they reopen the claim.
Product: Credit reporting or other personal consumer reports

Its XXXX things on my credit report that needs to be removed. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX These things have brought my credit score down. I need them removed asap.
Product: Student loan

I get the nastiest people on the phone trying to figure out what is going on with this loan. There are 3 different websites that these loans are attached too. XXXX website, XXXX, and Navient and they all say different numbers. All my schools was attached to the class action lawsuit, I put a school misconduct application in at Navient but they are saying it take 60 days to complete. MY Credit is shot cause of these schools nobody is trying to help me
Product: Debt collection

In XXXX, I disputed a debt with SYNCHRONY BANK who sold the debt to XXXX XXXX XXXX. I disputed that I did not receive information that my debt was in jeopardy of going to collections. Which, I did not. I was unable to provide proof at the time, to match the timeline. So, this item remains as a negative impact on my credit. I reached out to Synchrony Bank and was given false information, that they would get the debt back from XXXX XXXX XXXX and I would be able to pay the remaining balance of the debt, less the late fees and interest added. 

I was told to follow-up within 30 days. Upon doing so, I was told by another representatives that once the debt is sold, there is nothing they can do and I need to speak with the collection agency. 
I explained that, I did not receive a DEMAND LETTER, commanding that I make the complete payment, before selling the account to XXXX XXXX XXXX. I also explained that, the last correspondence I received from them was an email, offering me a payment plan, three months before I was alerted that a collection had been added to my credit reports. 
In my state of residence, Louisiana Debt law states that I must receive a DEMAND LETTER, before any further course of action can take place. I did not. 
At the time of going delinquent on the account, I was in the hospital with XXXX. I was out of work for several months. I explained this to them, once I was able to start working again, in the latter part of XXXX. 
Trying to resolve the issue with Sychrony Bank has gotten nowhere. 
This has lead me to research the debt laws in my state. 

According to my state, XXXX, this account is considered an OPEN ACCOUNT, a credit card account. In regards to OPEN ACCOUNTS, the prescription is three years, from the last payment made on the account. The last payment made on this account was within the same month, XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX. We are now XXXX XXXX. Which according to my state and the state in which XXXX XXXX XXXX is trying to collect the debt, the statute of limitations has expired. 

While I am not one to purposely choose to not pay a debt, I tried to resolve the issue in paying the remaining balance with the original creditor, that I agreed to do business with. However, I was strung along and lied to about getting the debt back from the collection agency. 
This leads me to now requesting that this item be removed from their records and demanding that it also be removed from my credit reports. 

I have attached information from XXXX  Debt Law, as well as the last email correspondence received from Synchrony Bank, my last payment receipt email, as well as the account information from my XXXX credit report ; showing the specific date the collection account was opened with XXXX XXXX XXXX. Which further proves there was no DEMAND LETTER mailed out to my residence, before submitting the account to a collection agency.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX : XXXX XXXX - has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX - has violated my rights XXXX  XXXX : # XXXX - {$2900.00} - has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX has violated my rights XXXX 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 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: Money transfer, virtual currency, or money service

I have been a victim of wire transfer fraud recently. 
Date : XX/XX/2022 Amount : {$2100.00} XXXX transferred the above amount to Wells Fargo Account XXXX XXXX Account Identifier : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX I could reclaim {$690.00} with the help of my bank - XXXX
Product: Credit card

I have been a customer o f Citi Bank Credit Cards  since  XXXX . I tried to use a credit card on  X/XX/XXXX  and found that charge did not go through. So, I called the number on a back of the card. The representative said that the card was closed on  X/XX/XXXX . On  X/XX/XXXX , I received letters on all of  my Citi Credit Cards saying that at Citi 's d ecision all of my cards were closed. I called t he Citi Executive Office  at  XXXX . Th e executive rep told me that I have to write a letter to Citi  Bank in order for me to get answers to why my accounts were closed. Since  XXXX , I have never missed payments, never used the cards for illegal activities, etc. So, I am writing to you now to inquire what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 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

I trust this letter finds you well. I am writing to bring to your attention the ongoing issue of fraudulent items on my account with your company. Despite numerous attempts on my part to address and rectify this matter, I have faced significant challenges in having these fraudulent items removed from my records. 

The presence of fraudulent items on my account not only poses a serious threat to my financial well-being but also undermines the integrity of your company 's services. I am deeply concerned about the potential consequences of these inaccuracies, and it is disheartening to experience a lack of responsiveness in resolving such a critical matter. 

I urge you to conduct a thorough investigation into the fraudulent items on my account and take immediate action to rectify this situation. Furthermore, I request a detailed explanation for the delays in addressing this issue and seek your assurance that appropriate measures will be implemented to prevent similar incidents in the future. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Unauthorized inquiries on my credit report on XXXX, TransUnion, and XXXX. I can only provide images of XXXX, and TransUnion inquiries. 2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. Remove any other social security numbers that is associated with my credit file other than XXXX XXXX. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information. 5. Remove any other names other than XXXX XXXX. Please update 6. Correct all of the errors
Product: Credit reporting or other personal consumer reports

I have information that does not belong to me in my report and it is harming me, I want it to be removed from my history. 



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

on XX/XX/XXXX I submitted a complaint about Transunion reporting an open account that was originally closed by the creditor XXXX XXXX on XX/XX/XXXX. XXXX XXXX reopened the account stating I owed them XXXX for the car notes that were due to be refunded to me, because the car i bought was a repurchase under the California lemon Law. All monies were to be refunded to me ; XXXX XXXX didn't refund me my car notes. XXXX XXXX closed the account and sent me a letter stating the account was paid in full and the breakdown of all credits/refunds on the account, per letter dated XX/XX/XXXX. Transunion. now it shows a higher amount than the two returned payments i were to receive. As of XX/XX/XXXX Transunion responded to CFPB complaint # XXXX closed with non- monetary relief. I checked my credit report as of XX/XX/XXXX and XX/XX/XXXX and the account showed closed. But when I checked my credit report on yesterday XX/XX/XXXX the account was back on my Transunion report showing opened and owing XXXX. This is inaccurate information
Product: Debt collection

I cancelled XXXX and paid the final bill on time there was a cancellation fee of {$690.00}. There was no timeframe to pay this fee so it was paid in installments for XXXX months. XXXX gave no notification this was an issue. Not sure who this third party is as all payments were made directly to XXXX.