23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Last XXXX 2016 I took on a mortgage through American Homestead in XXXX, MT. The whole process seemed seamless and very effective until after I signed all of the closing documents. Before I went to the Title company to sign a rep from American Homestead called to tell me that I would have to put down less money than was disclosed on the original closing disclosure documents. She said great news the owners gave you a buyers credit and you only have to put down x amount of dollars. I was a little surprised and confused at the same time. I asked her twice so I do n't have to put down the full 3.5 % down that the FHA loan requires and my payments will stay the same as what the closing disclosure documents stated. She said yes! I was elated thinking that I would have to put down approximately XXXX less than what was disclosed and my payments would stay at the XXXX. Long story short, 2 months after I signed the contract, XXXX the mortgage company sent me a letter saying that my escrow account was short and that I needed to come up with {$1200.00} ish or that my payments would go up {$100.00} a month for a year. I called American Homestead and spoke XXXX XXXX XXXX the head loan officer and explained to him the situation and he spoke semi aggressively and said that I was trying to take advantage of their mistake?! I was appalled with the nature of the call and decided I would just XXXX it up and make the adjusted higher payments. I have 4-5 payments left at the higher amount and it has been XXXX readjusting my calculated budget to make sure no payments are missed. On a side note my credit bureaus show perfect payment history and I intend to keep it that way even with the higher payment that was a surprise to me. Bottom line if I had been told that by making the smaller down payment than was originally agreed to and that my payments would go up {$100.00} in just a couple of months I would have stuck with the original down payment that I had ready to go from borrowing against my XXXX. The way the rep worded the sellers credit and the readjusted down payment was deceptive. The way I was talked down to by XXXX XXXX XXXX was uncalled for and I will never reconsider American Homestead or recommend them to anyone! Everything up until the down payment glitch was a great process. I was very happy with American Homestead until they made this mistake and told me that I was trying to take advantage of their mistake?! I was n't asking for extra money back, I just wanted my payment to stay the same just like the rep had told me, even after I asked twice that with the reduced down payment that my payments would stay the same! I am in sales myself and if I make a mistake I ca n't go back to the customer and tell them tough luck and by no means would I ever tell any of my customers that they are trying to take advantage of my mistake if I made XXXX. No one is perfect, I get that, but I was treated rudely and mislead. This is an example of how not to treat a consumer.
Product: Debt collection

I submitted a prior complaint, # XXXX and the response from the debt collector is not correct. I added more information yet you closed the complaint. I want you to follow up with them again with the following : Ask them only for this, a copy of their current contract with the original creditor. That is all I want you to do.
Product: Vehicle loan or lease

I was asking them to change the due date for me after 1st time repo my car and i was asking for the paper for detail that i was paying for get car out but no respond or info and keep asking for the payment for the car i just pay on XX/XX/XXXX and my due date is XXXX so i ask them to change my due date they said no. i didn't ask for low interest i ask for due date after repo my car. i was moving to my bro 's house. 
1st time that i was late payment should be avoid repo because my phone lost and i protect by victim witness assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes with Experian for unverified accounts on my credit report. My latest was on XX/XX/2019 via certified mail received response on XX/XX/2019. Stating that they will not re-investigate previously verified accounts without additional information provided by me. In my letter it clearly states 1 ) Provide proof that accounts are mine, i.e. original documents with signature. 2 ) Their method of verification and if they can not to delete these accounts per FCRA. XXXX  and XXXX   have deleted these accounts as they could not be verified. How is that Experian can verify these same accounts in 10 days? They can not they are just sending out generic letters hoping consumers will get discouraged or do not know their rights.
Product: Credit reporting or other personal consumer reports

I seeked information regarding XXXX credit cards on XXXX separate dates. XXXX for a personal account in XXXX and XXXX for a business account in XXXX. I never submitted a request for the cards only information. Both times a hard inquiry appeared on my report. I am trying to purchase a house and I do not need these unauthorised inquiries on my report. The second inquiry I was not committing any fraud, I followed capital ones requirements of reporting a personal account while trying to open a business account. While trying to read the terms and agreements page it did not properly load and I pressed the refresh page and the application was submitted and approved and immediately I received XXXX notifications from capital one, XXXX, XXXX XXXX and credit karma that a NEW hard inquiry appeared on my personal credit report. I never requested this I immediately contacted them and asked them to remove the inquiry and they told me they withdrew the application as it was not intentionally submitted ( the account was approved ) but I didn't care and it was not my plan. I did not wish for the inquiry on my personal credit and I did not authroize it the credit report was enquired using my XXXX which is valid and up to date. On there application there was no place requesting for my personal social security number. I did not authorise this and I politely request the removal of these XXXX inquiries from my report. The same thing happened with the personal inquiry in XXXX I never requested credit from them and I never received anything from them. I was out of the country and this is why I am asking this now in XXXX and not in XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
XXXX  reports XXXX Transunion reports XXXX XXXX reportsXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as delete the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Product: Checking or savings account

I have been a victim of identity theft. someone have mv information and stealing money from my Bank of America account since XX/XX/XXXX and done the same thing again on XX/XX/XXXX I would like to press charges. This is harassment and I've been depressed they taken XXXX from my account Ive have the list of transaction plus claim number to help identify. XXXX XX/XX/XXXX claim number XXXX XXXX XX/XX/XXXX claim number XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

My student loan is showing total XXXX. With multiple different tradelines of different amounts that I have no proof or ledger to have correct amounts, for these loans have been over 20 yrs old and different servicers and their accounting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$4500.00} AXXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX   XXXX {$9000.00} XXXX XXXX XXXX {$3300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : - ** XXXX : Account number - XXXX - XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX  : Account number-XXXXXXXX XXXX XXXX XXXX  : Account number XXXX -XXXX XXXX XXXX : Account number- XXXXXXXX XXXXXXXX XXXX XXXX  : Account number- XXXXXXXX XXXX XXXX : Account number XXXX XXXX reviewing my Experian credit report on XX/XX/2024, I identified incomplete and inaccurate information. Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

Moreover, according to 15 USC 1681i, if a consumer disputes information, the agency must promptly investigate. If the information is found to be inaccurate or unverifiable, they are obligated to delete or modify it and notify the furnisher of the changes. Additionally, 15 USC 1681s-2 mandates that furnishers must not provide information to consumer reporting agencies if they know or have reasonable cause to believe that it is inaccurate. 

My rights under the FCRA have been violated, and I request immediate action to correct these inaccuracies.
Product: Debt collection

On XXXX XXXX, I sent Designed Receivable Solutions collection agency a letter asking for a breakdown of interest charges. 

The original debt sent to me XX/XX/XXXX was for {$7700.00}. A breakdown was provided of said debt to this amount along with almost double the cost in interest charges with a grand total of over {$12000.00}. 

Since I ran my credit and I initially contacted this collection agency request for verification in XX/XX/XXXX, this agency has intentionally flagged my credit by increasing said debt weekly with zero explanation as to how this amount is charged. 

It raises red flags because the various amounts range from {$2.00} to {$22.00}. Each week there is a different dollar amount added and each month the total is different. This agency even decreased the amount by {$11.00}. 

They even reported to XXXX that I refinanced/renewed this account which is untrue. 

It amazes me how this company can find time to trigger my credit report weekly but can not find time to respond and when I question the interest on said debt, I receive no response. 

This company is ruining my credit and I want this debt removed. Thank you
Product: Debt collection

I have been dealing with XXXX XXXX since XX/XX/2016 which required XXXX, major XXXX with complications and multiple subsequent XXXX of which I still have 2 more to go. I had 2 medical accounts that were sent to a collection agency by my hospital when I was trying to set up arrangements with them. They told me it wasn't a real collection agency and wont affect my credit report. So I just went with it and made arrangements with the collection agency to pay XXXX per month on both accounts. The balance on the accounts were XXXX and XXXX approx. I said I would like to pay online and that was agreed upon. From time to time the payment would not be accepted, saying I was not paying enough money even though I was putting in a payment for XXXX as agreed upon. So I had to call. They tried to tell me the payment was late which it was not. This happened a number of times and I got so sick of calling to have them reset things. Sometimes I just paid the additional amount they were asking for but I couldn't continue to do that. I have been paying down 4 other medical accounts, my son also needed XXXX  XXXX in the middle of this .... It had become time consuming to handle all the paperwork and I wasn't feeling well. So in the middle of a bad month, it happened again and by the time, I had a chance to call, the payment was then late. As soon as that happened, of course, they reported it to my credit which I only learned about yesterday. I called yesterday and got blamed again for paying late. I was talked to like a child which made me so mad. Especially after the person I spoke with said something that I called her out on being untrue and then she completely contradicted herself. I told her that if this is the way they treated me, I won't be paying them off first and to bump me down to XXXX a month. So today I went to apply my payments and both accounts come back saying I owe more. So I called again and now I'm being informed that XXXX payments won't be accepted online. My options are payments by phone or mail a check. Phone payments are not secure and I do not trust mailing a check for a lot of different reasons. It seems that if they are in the business of collecting money, they would accept anything that was being sent to them. I've been spoken to in a disrespectful and passive-aggressive manner which has tried my patience and reduced me to angry words. Today they hung up on me which left me sobbing. I am trying to get my life back on track from the past 2 years and emotionally struggling and this feels like a kick in the gut.
Product: Credit card or prepaid card

I have a couple accounts with Capital One that I have, One is a regular card and the other is with Cabelas. I never had issues with the credit cards and I actually really enjoy the perks and really prefer Capital One. During the time of the lates I was XXXX XXXX and didn't have anyone to help me while I was in and out of the hospital. I never intended to be late on the account but quite literally could not make those payments and I got current as soon as I could.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Credit Sage LLC. On XXXX  XX/XX/2023, Credit Sage LLC made an unauthorized charge to my debit card for the amount of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) without my permission, credit sage accessed my social security number and my credit report without my permission, they accessed one of my personal identity theft protection and credit monitoring service accounts and changed my password, they misled me to thinking they were a different company ( I was trying to reach XXXX XXXX XXXX ). I have attached a copy of my bank statement and my correspondence with Credit Sage LLC to this complaint. Credit Sage 's unauthorized charge to my debit card violated several of my rights, the Electronic Funds Transfer Act ( EFTA ), the Fair Credit Billing Act ( FCBA ), the Consumer Fraud and Deceptive Practices Act ( CFDPA ), and Washington state laws RCW 9A.56.020 ( 1 ) ( b ), RCW 9A.56.030 ( 1 ), RCW 9A.56.040 ( 1 ), and RCW 19.29A.030 ( 1 ), The Truth in Lending Act ( TILA ), The Gramm-Leach-Bliley Act ( GLBA ), The Computer Fraud and Abuse Act ( CFAA ), The CFAA prohibits unauthorized access to computers and computer systems . Credit Sage LLC used my SSN to access my credit report and other personal information without my permission, they are violating the CFAA. Credit sage LLC is actively engaging in the act of violating the Federal Trade Commission Act ( FTC Act ) : The FTC Act prohibits unfair or deceptive trade practices and the XXXX XXXX Consumer Protection Act : The XXXX XXXX Consumer Protection Act prohibits unfair or deceptive trade practices in XXXX XXXX. The full refund amount is not enough for the laws that they have broken and the stress they have caused unto me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am trying to place a credit freeze with Experian, and I have been unable to do so. I had no similar difficulty doing the same with XXXX and XXXX 

I tried to do this online with Experian, but was unsuccessful. After being asked a number of questions, I was told they could not confirm my identity, and I was instructed to mail supporting documents. I did this a number of weeks ago, and thus far I have received no response. 

Initially, I thought I had answered the online questions incorrectly. However, I was able to successfully sign up separately for an account with Experian, and this account enabled me to see my credit report including previous addresses. One of the addresses they have on file for me is incorrect. ( It's a typo of a correct address. ) This was one of the questions that I was asked to verify my identify, so it is clear that what I thought was my error was likely actually their error. 

It is interesting to me, that while I have not been able to place a credit freeze with Experian, every time I log into my Experian account I get all kinds of credit monitoring offers. For example, evidently for $ XXXX/month I can " lock '' my credit, but nowhere that I can see, can I place the free credit freeze. I wonder why? 

I believe it is unacceptable that I should have so much difficulty in trying to protect my credit. I'm sure Experian would make some excuse about protecting against nefarious intent here, by placing a credit freeze. But I be willing to bet the data does not support this, and the overwhelming problem case is identify theft. Rather, it seems clear to me that these companies are engaged in consumer abuse. They maximize profits, by avoiding the costs of adequate computer security, then after they lose our data, they attempt to sell us credit monitoring services. ( It's remarkable that these companies have some of the poorest password policies I have seen ; Try choosing a longer password. ) Frankly, it's amazing. 

Thank you for your help.
Product: Checking or savings account

I am submitting a complaint regarding unauthorized transactions resulting from a data breach at TD Bank. Due to the exposure of my personal information, including my Social Security number, phone number, address, and legal name, I suffered financial losses totaling {$8300.00} USD. 

Incident Summary : TD Bank Account Loss : {$4400.00} USD was fraudulently withdrawn via XXXX XXXX. 

XXXX Account Loss : {$3900.00} USD was transferred to unauthorized recipients. 

Fraudulent Scheme : Scammers, posing as TD Bank fraud department representatives, contacted me using my personal information. They sent a fake fraud alert, leading me to believe I was communicating with TD Bank. Under this pretense, they gained unauthorized access to my accounts and processed fraudulent transactions. 

Institutional Response : I promptly contacted both TD Bank and XXXX to dispute the charges. However, both institutions refused assistance, citing the transactions as " Friends and Family '' or " Authorized Charges. '' Since these transactions were made under fraudulent circumstances and stemmed from a data breach, I did not authorize them. 

Requested Action : I request : A full reversal of the unauthorized transfers totaling {$8300.00} USD. 

An investigation into TD Banks data breach and its impact on my personal information. 

Measures to prevent further harm to my financial security. 

I urge the CFPB to take immediate action to hold financial institutions accountable for protecting consumer data and resolving fraud-related disputes.
Product: Debt collection

XXXX XXXX has three different dates on my three credit report They have no exact date of my first date of delinquency. I have reported this account was reported late with the original creditor on In XXXX of XXXX and the seven year window for removing this account is XX/XX/XXXX. My XXXX, XXXX. and XXXX all have different dates when this account to he removed. They only have a partial file and do not have the whole credit reporting from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have already gotten this account off of my report due to inaccurate information along with selling my information without my consent to a collection agency and I also had this removed a long time ago and they have brought it back onto my credit report as a new account. 

It is also hurting my credit score and I need this to be removed AGAIN IMMEDIATELY! If not I am in touch with an attorney that is ready to take legal action. I am asking nicely to please remove this from my account but it is unjust and unfair that they are doing this to people. I will leave the account information below. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX
Product: Debt collection

over the past 1 year a debt collector called about a XXXX dollar fee for a medical dev ice on my husbands XXXX. I told the company to pick it up before because it did not work properly anyway. At the time the man who called cussed me out, yelled at me, threaten me. He said awful things. My husband suffered a XXXX in XX/XX/XXXX.I was taking care of him full time .With no help. I have no family. He is also a veteran and now he is XXXX. Mind you this bill was from XXXX. In XXXX when this man did this he probably called 50 times. Than after about4 months another man started calling from XXXX XXXX. He was trying to collect and said it was handed to him and he was with a law office. I told him to quit calling me. Well he did not stop. He plays the nice guy. I told him I was not paying and to sue us. I also told him my husband is almost XXXX and has a brain disorder leave us alone. He wanted the machine back but medicare paid for that i found out. Please do something for us. I have a husband ill and am XXXX.