23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Numbers on final LOAN ESTIMATE ( for property taxes in particular ) went up by more than 50 % from original LOAN ESTIMATION when we decided to proceed. New LOAN ESTIMATE added over $ XXXX to estimated monthly costs ( a rise of over 50 % ) and put the house out of any price range and budget my wife and I would have been comfortable with. We do n't know what recourse we have for such drastic changes, including stepping away from the home purchase, but do n't want to be held liable. We are now stuck between moving forward and buying a home WE KNOW WE CA N'T AFFORD or backing out and losing all our payments so far and risk a lawsuit from the Seller. Loan is with Quicken Loans. Taxes are with XXXX XXXX, Michigan.
Product: Credit card

Comenity Bank both Lane Bryant Cards and Ulta Cards. This issue has happen several times. I have listed the transactions below. When you make payments there are four options available. Minimum Payment, Statement Balance, Current Balance, and Other Amount. I selected the Current Balance and made the payment of {$84.00}. I would assume that is the payoff amount. After my balance shows {$0.00}. Payment due date is the XXXX of the month by XXXX EST. I made the current balance payment on XX/XX/XXXX. On XX/XX/XXXX I received a bill for {$2.00}, when I called they told me the same thing they always tell me which is the {$2.00} is interest from the previous month. However I payed of the debt the month prior. so why interest. The first time this happened to me in was my Ulta card carried by the same card company. I didn't catch the fact that I owed {$2.00} and they charged me a late fee of {$35.00} on top of the {$2.00}. I explained to the company that I have been using cards for quite sometime and if I select current balance and make the payment before the date, I haven't/should n't be charged interest. 

Purchase on XX/XX/XXXX {$210.00} Purchase on XX/XX/XXXX {$39.00} Purchase on XX/XX/XXXX {$26.00} Payment made XX/XX/XXXX {$100.00} Interest charged XX/XX/XXXX {$4.00} Payment on XX/XX/XXXX {$100.00} Interest Charged XX/XX/XXXX {$3.00} Payment on XX/XX/XXXX {$84.00} for payoff Interest charged on XX/XX/XXXX {$2.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX XXXX Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C . 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report.

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose.

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX DELETE IMMEDIATELY I am not liable for this DEBT with XXXX XXXX XXXX XXXX XXXX. I do not have an ORIGINAL CONTRACT with XXXX XXXX XXXX XXXX XXXX XXXX XXXX You did not provide me with the ORIGINAL CONTRACT as I Requested & THIS ACCOUNT IS FULLY VIOLATING METRO 2 COMPLIANCE & FCRA LAWS The enclosed account summary XXXX XXXX XXXX XXXX me clearly states : ( ( This account summary has been prepared by XXXX XXXX XXXX XXXX behalf of XXXX XXXX XXXX XXXX It is not a credit card or other account statement from the original creditor. ) ) THIS IS NOT AN ORIGINAL CONTRACT FROM XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing Deceptive Forms & Deceptive Credit Report 1692j. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 
This is a NOTICE that I am DISPUTING your claim for this Account # : XXXX. 
!!! THIS ACCOUNT IS NOT MINES AND ITS REPORTING INCOMPLETE & INACCURATELY DELETE THIS ACCOUNT!!! 


VIOLATIONS ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT )!!! THIS ACCOUNT IS NOT MINES ; I NEVER HAD A CONTRACT WITH XXXX AND ITS REPORTING INCOMPLETE & INACCURATELY. 
DELETE THIS ACCOUNT IMMEDIALELY!!! 

EXPERIAN 1. NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT. WHERE IS CLOSED DATE ) 2. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 3. NO LAST VERIFIED REPORTING ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 4. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 5. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 6. TERM LENGHT : 1 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 7. PAST DUE AMOUNT : {$1200.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE XXXX VIOLATIONS ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT )!!! THIS ACCOUNT IS NOT MINES ; I NEVER HAD A CONTRACT AND ITS REPORTING INCOMPLETE & INACCURATELY. 
DELETE THIS ACCOUNT IMMEDIALELY!!! 

1. ACCOUNT STATUS : OPEN ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) 2. NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT. WHERE IS CLOSED DATE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE )
Product: Credit card or prepaid card

My application for the Citi XXXX XXXX was approved on the XX/XX/XXXX from an email I received. My card was sent via mail and I never received the card. I called Citi multiple times to try to fix this and got no where. They can not verify my account or access my account without sending in a letter in the mail. They sent a letter on XX/XX/XXXX out to my address again. However, they can not access my account and verify my address. One rep claimed my zip code was wrong, but a supervisor claimed they use an automatic data base to send out a letter. I just moved and explained this to them but they don't see to understand. I provided my security code, social security, and phone number. These do not work for verification. I received several tax messages from Citi asking to call to active my card. I received a call from a supervisor on XX/XX/XXXX ( I have the number saved ). However, Citi is unable to send me a text or call to verify my account. They system doesn't allow them to send a code. I tried my work number, partner 's number, cell, parents. None of these numbers work in their system. The only way to get access to my card so they can send me a new card is getting personal information in the mail. They keep sending this to the wrong address. I can not even cancel my card online when I ask. I'm unsure how to proceed in getting my card if they can not verify me over the phone. I find it hard to believe a company that size has to send you a letter in the mail. I've had several phone calls without any help. I told them I would file a claim and they told me to wait for a letter to cancel my card or file a complaint.
Product: Credit card

I have a XXXX interest free financing with Synchrony Bank for XXXX XXXX XXXX XXXX  purchase. The interest free ends on XXXX. They just recently started charging me a " minimum interest charge purchases '' of XXXX dollars. I noticed on XXXX that they charged this fee on XXXX and XXXX. When I asked via chat the reason, the agent for Synchrony bank stated that they charge XXXX for paper statements and since that causes the balance to increase, they charged XXXX as a minimum interest since there was a balance increase that was not part of the original purchase. SO basically, they charge a fee, because their fee causes the balance to increase!!!!! I understand its only XXXX, but still... I didnt make a purchase. Is this even legal?
Product: Bank account or service

I opened a sole proprietorship, XXXX XXXX XXXX XXXX, in XXXX. In XXXX, I formed a corporation, XXXX XXXX XXXX XXXX, and my sole proprietorship expired and so I closed my XXXX checking account at Union Bank and got a new one under the corporation name. 
About XXXX, I had some late payment to XXXX XXXX and XXXX company, our local utility, so they wanted me to get a CD so I could guarantee payment, which I did thru Union Bank. 
The years passed by and on XXXX XXXX, XXXX, I retired, closed my business and filed for dissolution of my corporation. By this time I had closed my checking account at Union Bank and had switched to a different bank. I kept that new bank account open to conclude any final business transactions and deposit the check for the {$820.00} CD from Union Bank. 
But when I went to Union Bank to collect my money I was told I would have to open a new checking account under the name XXXX XXXX XXXX XXXX because the CD was in that name. They did not seem to understand that that name had not been used in 20 years but they were not going to do anything unless I did what they said. I was gong to do it until, luckily, I decided to first call my local District Attorney 's consumer fraud office and they directed me to call the CFPB. Hopefully, you will able to help me. 
I have attached two documents, first, a letter from the utility, XXXX, dated XXXX XXXX, XXXX, stating that the CD # XXXX was cancelled XXXX XXXX, XXXX and second, a letter from Union Bank, updating the current status of my CD. I believe all the account numbers, addresses and contact information is on the two documents. 
Please call or email me for any additional information or clarification you may need. Thank you very much.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 
This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Have a Hardest hit Mortgage refinance federally backed through XXXX XXXX XXXX XXXX it was switched to Select Portfolio Services. They have us behind 1 payment despite submitting documentation for 18 months on time payments. Still have us marked as inpaid.Again I have documentation THEY WILL NOT ADHERE TO THE FEDERAL XXXX XXXX XXXX  PAYMENT PLAN WHICH IS INFORCEMENT UNTIL MORTGAGE ENDS .They are being predatory during the Pandemic and have ruined our credit by reporting us behind despite documentation we have paid they say they do not have uphold the XXXX XXXX XXXX  Mortgage and have changed set payment we have continued to pay monthly they are now being predatory threatening foreclosure also the lender Select Portfolio Services refuses any Pandemic relief help they are being arbitrary just wont work with us and treating us lower impuning us because we are on XXXX XXXX XXXX XXXX again they have changed the rates from the hardest hit guideline from our federal loan.They threaten foreclosure have ruined our credit by not properly applying our payments of which we have proof has been paid timely We need help asap!! 
They have added on fees above the hardest hit standard which has not expired and again are being predatory and refuse to even follow guideline for the Federal Pandemic. 
Please Please. 
Please help. 
It has become predatory calls daily, threats during the Pandemic, next most important 2 facts ..they will not ADHERE to the federal loan they took over and 2nd we are not behind we have proof we have paid they keep tacking fees and threatening us and ruined our credit completely on false reporting. 
Please. 
Please. 
Please help XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX ( XXXX ) XXXX Lender no choice of ours Select Portfolio Services Utah HELP
Product: Debt collection

On XX/XX/year>, I visited XXXX XXXX for a scheduled appointment with a XXXX, XXXX XXXX XXXX, MD. The service was covered under my insurance plan with a {$50.00} copay. Upon check-in, the front office informed me that their credit card machine was down, so they would add the {$50.00} copay to my XXXX account XXXX 

Later, I received a bill totaling {$920.00}, which was sent to collections without resolving my dispute. Heres what happened : Disputed Charges : 1 ) {$1200.00} billed under Physician Services. 
2 ) {$1600.00} billed under Hospital Services. 

Insurance covered a portion, but XXXX incorrectly billed the visit as a " hospital service '' instead of a " specialist office visit, '' which triggered a deductible rather than the usual {$50.00} copay. 

1- Actions Taken : a ) I immediately contacted XXXX billing to dispute the charges. After multiple calls and being transferred several times, I was told the insurance only covered a portion, and I was responsible for the remaining balance. 

b ) My insurance company confirmed that the issue was with the billing codes used by XXXX. They advised me to request XXXX to correct the codes to reflect a " specialist office visit. '' c ) Despite my repeated attempts to resolve this with UCSDincluding multiple calls, emails to billing services, and contacting a patient advocateno resolution was provided. 

2- Unjust Explanation from XXXX XXXX a ) XXXX XXXX claimed that because XXXX XXXX XXXX office is in a hospital building, the charges were billed as hospital services. However, I had scheduled a specialist visit, and the location should not alter the billing code for a standard office visit. 

3- Collections Agency Harassment : a ) XXXX has now sent my bill to Professional Credit XXXX XXXX XXXX XXXX, which has been harassing me with threats to report the debt to credit bureaus if I do not pay the balance. 

Why This is a Problem : 1 ) The charges are inaccurate and result from UCSDs failure to properly bill my insurance for the specialist visit. 
2 ) UCSDs refusal to correct the billing code has caused undue stress and financial hardship.

3 ) Sending the bill to collections while the dispute remains unresolved violates fair billing and collections practices.
Product: Credit card or prepaid card

I am XXXX  and ordered a battery scooter from XXXX on XX/XX/20 {$590.00} order number XXXX DISCOVER CARD ENDING XXXX I CALLED XXXX AND CANCELLED THE UNIT ON XX/XX/20 was told no problem they Will advise the XXXX supplier XXXX in California ( I then ordered a larger scooter On Discover for {$1600.00} The other scooter was too small Would not work for me. 

On XXXX. I started receiving XXXX  ship data I called XXXX daily please cancel this delivery They advised it was cancelled On XXXX XXXX tried to deliver it And we rejected the delivery ( As advised by XXXX Return to sender ) Return to sender I requested thar Discover accept my Dispute for the charge XXXX XXXX mgr # XXXX Advised they would not process a dispute till at least 30 days And I would be required to pay the bill I should call them on XXXX to request a dispute I requested to speak with her supervisor. 
Was told they would call me back 6 hrs later no response I should not have to wait 30 day to file a complaint on my account. 
DISCOVER SHOULD START A FILE AT ONCE IF IT TAKES 30DAYS TO RESOLVE THATS OK BUT THEY SHOULD START THE PROCESS AT ONCE I DONT WANT TO BE RESPONSIBLE FOR LATE FEES OR PENALTIES IF THEY CAN BILL INSTANTLY THE CAN LOG COMPLAINTS INSTANTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX  XXXX XXXX  XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX In accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX In accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX LINK ABOVE - this paid advertisement on XXXX is misleading, false advertising XXXX and a lie. Rocket Mortgage / Quicken Compare
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXX XXXX  Acct XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this is fraudulent account though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Re : Responsibilities of a furnisher I recently requested a dispute with your agency and the bankruptcy court regarding this inaccurate account in my credit report. The furnisher told me they do not communicate with your agency. You cant report an account on a consumer report if the furnisher cant notate that the account is being disputed. Therefore, you are reporting an account that shouldnt be reported because its no way to validate that its 100 % accurate without the furnisher participating or sending you documentation that the account meets the FCRA requirements. Currently, I ask that you remove this account. If you dont remove this account, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX Case Number : XXXX Please provide a detailed documentation if not please remove it in my credit report. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Equifax, XXXX, XXXX regarding student loans being reporting on my consumer report. Per FERPA these companies are in violation of my privacy rights. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post secondary schools. Im requesting for these bureaus to be in compliance with the federal law and remove this data from my consumer report indefinitely
Product: Checking or savings account

TD bank denied me a reimbursement for my debit card being used when my wallet was stolen on XX/XX/XXXX. 

There are XXXX transactions that are not mine from this date. I was told to wait until the next business day which was XX/XX/XXXXXX/XX/XXXX to dispute the charges as they would go through my account. I was denied the reimbursement because the card was not used after I was notified to cancel the card. 

These are the charges I accrued. All from XX/XX/XXXX {$5.00} {$5.00} {$7.00} {$11.00} {$35.00} {$35.00} again {$230.00} Please let me know if any other info is needed. Thank you.
Product: Credit card or prepaid card

I opened an American Express account in XXXX of 2018 that allowed for a balance transfer of 1 year with no interest. I tried to Initiate a balance transfer from one of my XXXX credit cards to Amex. I noticed that I had an Amex bill due the following month but my balances on the chase cards never decreased. I called chase and they were showing any transfer made and suggested I call Amex. I called Amex and to create a case and have followed up with them twice since and was told I would get a response at the end of XXXX. I have had no response since and am paying a bill to Amex over a transfer that was never completed. Please can someone help me get this completed.
Product: Mortgage

On or around XX/XX/XXXX, I consulted XXXX XXXX @ Citizens Bank about getting a home loan. I let her know that I worked in the XXXX industry and was worried about getting approved. She let me know that it would not be an issue and we started the loan process. I put a down payment, I paid for an appraisal, and even got loan commitment. The underwriter approved my application. Then, 4 hours after I was scheduled to close, I found out that the bank would not approve my application due to me being employed by a XXXX dispensary.