23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage on XX/XX/XXXX with a Float option. The loan officer accidentally had me sign a Lock option. She told me that one will be discarded. I asked to exercise my Float option, but the told me it was already locked. I provided a copy of the Float document I had signed. They told me it was locked. They changed the 'signed on ' date of the original accidentally submitted lock document to make it look like I had submitted the lock agreement three days after the Float. They have not responded to my numerous requests to address this. Then today I fing they changed my home insurance to show they are the third party interest on XX/XX/XXXX. I have not signed closing documents yet. They have not yet set an appointment to sign. I request they accept my request to cancel the loan and to refund the money I prepaid them.
Product: Debt collection

They constantly call from different numbers and when I dont answer they dont leave voice messages, the text me all types of morning and night trying to deceive me to clicking on a link via text. Someone by the name of XXXX emails me multiple times a day. Its really harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit card or prepaid card

This complaint is regarding dispute XXXX XXXX  with Citi. 

I purchased a software product XX/XX/XXXX. Upon using it and realizing it was not functioning as described in marketing materials that induced me to make the purchase, I requested a refund from the merchant on XX/XX/XXXX. The merchant refused to provide a refund or address -- much less provide support to mitigate -- the issues I found in the software they provided, prompting me to attempt a chargeback via XXXX. XXXX later denied the chargeback claiming the product did not qualify for buyer protection. 

As a last resort, I disputed the chargeback with Citi, the bank that issued the credit card I had made the purchase with. I opened this dispute on XX/XX/XXXX. On XX/XX/XXXX, I was informed by Citi that the dispute was denied in the merchant 's favor despite the merchant failing to address or provide evidence to refute any of my claims. 

I submitted a signed continuation of dispute letter on XX/XX/XXXX. I have attached all communication with the merchant, the dispute resolution letter Citi sent me, as well as the merchant 's response to my initial dispute claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
* Account name : XXXX XXXX XXXX XXXX XXXX XXXX * Account number : XXXX, all have 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: Credit card

I have had my CapitalOne QuickSilver card for many many years. In XX/XX/XXXX I disputed four charges from an outfit called XXXX XXXX that were made in XXXX, XXXX, XXXX and XXXX of XXXX totaling {$1000.00}. I never heard of this company and certainly never made these charges. I filed a dispute claim in XX/XX/XXXX. CapitalOne said they'd investigate. I didn't hear from them until I received a letter dated XX/XX/XXXX, XXXXThey claimed the charges were valid. I knew the charges were fraudulent and protested and, after a lengthy discussion, CapitalOne acknowledged they had never investigated the charges. The official excuse was that too much time had elapsed between the final fraudulent charge ( XXXX ) and the month I filed my dispute claim ( XXXX ). So, I ended up having to pay {$1000.00} for fraudulent charges. 

Then in my most recent statement ( received in XXXX XXXX ) there was another fraudulent charge -- this one for {$920.00} -- unrelated to the XXXX charges, but one I had earlier complained about and had thought had been resolved. This one is now supposedly being investigated. Whether that will happen or not, I do not know. 

I intend to cancel my CapitalOne credit card as I have no longer any faith in their fraud investigative department.
Product: Mortgage

Freedom Mortgage offers several autopayment options. One option is twice monthly payments. I signed up for this payment option with the expectation that funds paid in the first installment would be applied to my balance and therefore reduce the overall interest payments over time. 

Six weeks after enrollment in the autopayment program ( with XXXX payments successfully made/funds collected ), Freedom Mortgage contacted me stating my payment was late. I reached out to the company for clarification. During this process, I found out the first payment amount was held in suspension and not applied to my account until the second payment was made. These funds are held without interest. 

The payment advertisement is deceptive.
Product: Mortgage

We had some financial issues in XX/XX/XXXX and had to file bankruptcy. We had reaffirmed our home and had all payments caught up by XX/XX/XXXX. In XX/XX/XXXX CitiMortgage sent a statement indicating that we were still 1 month behind on our mortgage. I had contacted them by phone beginning that same month about the situation and they assured me that they had found the mistake and would correct it. Several months passed and every month I had the same discussion with them about the missing payment. I had finally sent them documentation by fax, email and certified mail showing that the payment had cleared my account and nothing was ever settled. I fell behind again in XX/XX/XXXX and by XX/XX/XXXX, I called to catch the payment up but the mortgage company would not except payment over the phone. On XX/XX/XXXX I mailed 3 payments to CitiMortgage. They sent the checks back to me stating that they received the checks on XX/XX/XXXX and my account was referred to the foreclosure lawyers on XX/XX/XXXX. I then asked them the amount that needed to be paid to stop foreclosure and reinstate my loan and they could not tell me at that time and that I would need to contact the foreclosure attorneys. I then contacted the attorneys on XX/XX/XXXX by phone and was told that they would have to review my case and it would 3 to 5 days to send me a reinstatement amount. I received an email from the attorneys on XX/XX/XXXX providing me with the reinstatement amount including several charges that I disputed. I sent a letter by mail and fax disputing the charges. I never received a response so on XX/XX/XXXX I wired the money in the reinstatement quote as instructed to the attorneys account to meet the deadline and stop foreclosure proceedings. I have attached some of the correspondence requesting information. <P/>Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 3 unauthorised Hard enquiries on my account which are XXXX XXXX XXXX on XX/XX/2023 and XX/XX/2023, and XXXX on XX/XX/2023. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me 120 days past due on XXXX, partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Given the negative impact on my creditworthiness, I am requesting the removal of these incorrect items from my report. 

Please let me know if you require any additional information to proceed with the investigation. I appreciate your time and assistance in resolving this matter. Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, 2015, I discovered that I have been a victim of Identity theft as someone opened a PayPal Credit account in my name without my knowledge or permission. This account was opened on XXXX/XXXX/2015 with an address that I had not occupied until XXXX/XXXX/2015 and at the time was only known to XXXX potential mortgage company, XXXX XXXX. My complaint is against PayPal Credit specifically. I have discovered that all anyone needs to open a PayPal Credit account is the last XXXX of a SSN. Since most documents conceal all but the last XXXX of your SSN, this is a concern. Why does PayPal Credit have my SSN on file in a database? How do I remove my information from their database? Is it legal for them to store my personal and confidential information? Any consumer can go to XXXX and open one of their credit accounts with only their name, address, and last XXXX of the SSN.
Product: Checking or savings account

On XX/XX/19 some person opened a savings and checking account using my name, address and social number. 
On XX/XX/19 I was made aware of the account when I received mail from the bank. 
I saw the TD bank manager and made a police report. 
I was told the bank account would be frozen immediately and I would be advised in 30 days as to what happened. 
I have since seen a second bank manager and there is still not end to this. 
Still today I receive bank statements and notices of activity and charges I am liable for.
Product: Checking or savings account

I've had XXXX different fraud claims with Bank of America. They have all been denied by the Bank. One was a XXXX payment from my Money Market for {$2000.00} that I never ok 'd. Another was XXXX fraudulent ATM withdrawals for {$88.00} x XXXX = {$170.00}, and the most recent one is for {$2.00} and XXXX. The ATM withdrawals are all from businesses that I have never walked into or used and I don't think they even exist as I drove by the address in New Jersey that was listed on my bank statement. The bank obviously has not bothered to investigate. 
Bottom line is I am out {$2200.00} and had to shut down my ATM card 3 times!
Product: Credit card or prepaid card

This is the second time in as many months that I've had to file a complaint against Citibank regarding their unscrupulous billing practices. I have a regular balance, and a no interest promotional balance on my account. My minimum payment due for XXXX was {$28.00}. On XX/XX/XXXX, I made a payment of {$28.00}. That satisfied the minimum due on my account. On XX/XX/XXXX, I made a second payment of {$25.00}. I told Citi to apply that to my promotional balance, which they did. Then on XX/XX/XXXX, I made a third payment for {$75.00}. I again asked Citi to apply that payment to my promotional balance. However, they won't do that because they are trying to claim that I didn't pay my minimum payment of {$28.00}. They are attempting to only count that second payment of {$25.00} I made on XX/XX/XXXX and are refusing to acknowledge the payment of {$28.00} I made on XX/XX/XXXX. This is the same tactic they tried to pull on me a few months ago and I had to file a complaint then too. I believe they are trying to prevent me from paying off my promotional balance by the expiration date so that they can charge me 18 months worth of interest on that balance.
Product: Credit card

I use my Best Buy credit card to make purchases. Depending on the total amount of the purchase I am offered the option to defer interest payments for XXXX 'months. The balance is then tracked under the promotional balances. When I make a payment the payment is then divided amd credited to the promotional balances expiring within two months. In addition I sometime go into the best store and use my credit card to make purchases that do not qualify for defer interest payments. According to best buy this balance is called the revolving balance. Best Buy does not allow for payments to be allotted to the revolving balance and therefore forcing the customer to pay interest. Even though the total payments made after XXXX days of the last statement closing would be sufficient enough to cover the revolving balance and stop any interest being charged. Especially when the customer promotional balances do n't expire in the month that revolving balance interest be charged. On XXXX XXXX I made XXXX purchases in the amount of {$290.00}, and {$84.00}. I chose not to put these purchases under the deferred interest program because I knew that within XXXX days I would be paying the balance off in full for the purchases. I then made XXXX payments {$100.00}, {$120.00}, and {$160.00}. The total of these payments would have covered the entire revolving balance made on XXXX XXXX. Instead Best took my payments and applied them to promotional balances that are expiring XXXX/XXXX/15. Now I will be charged interest for my XXXX XXXX purchases when I have made payments to cover it and avoid interest. I called best buy about this and XXXX they stated that they could apply my payments to revolving but then he placed me on hold and came back to the phone and said that his supervisor said that it ca n't be done. This is unfair, if you are tracking the promotional and revolving payments, then you should also track and allow a customer to specify how payments are applied. Bestbuy is trying to force collecting interest.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax, requesting specific information on how they have verified the accuracy of the bankruptcies and negative items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Public Record Court Name : XXXX XXXXXXXX XXXX XXXXXXXX Reference Number : XXXX Court Name : XXXX XXXXXXXX XXXX XXXX Reference Number : XXXX Specifically, I requested that Equifax provide the following information : The Date You Contacted the Creditor/Furnisher Name of the Person Who Verified the Item Method of Communication Used to Verify Information Did the Creditor Provide SSN, Address, and Date of Birth Despite my clear and thorough request and providing my driver 's license, a copy of my SS card, and proof of address, I have not received any response from Equifax. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Product: Credit reporting or other personal consumer reports

Tried to get car insurance with XXXX and XXXX but LexisNexis provide incorrect and false information on a accident and claim. The LexisNexis company is giving FALSE information to insurance companies. The accident they reported was on XX/XX/year> and was NOT me or the car I just bought. I was NOT in that accident and the car I just bought was NOT the car in that accident. I have never been in an accident or had a traffic ticket. 
The VIN numbers don't match and the drivers License number reported on that accident don't match. XXXX XXXX company doubled my insurance ( that I must have by law ) to drive my car based on FALSE information provided by LexisNexis Risk Solutions. 
How many others have had this issue with false info from LexisNexis Risk Solutions?? 
How many other people have paid higher insurance rates based on false information provided by LexisNexis Risk Solutions to insurance companies?
Product: Credit reporting or other personal consumer reports

The late payments listed do not align with my regular payment history.
Product: Credit reporting or other personal consumer reports

This serves as one of my many grievances regarding being a victim of identity theft. I am writing to contest certain accounts listed in my file that stem from this criminal activity. The account in question has no connection to any transactions for goods, services, or money that I have authorized or made. It is entirely unfamiliar to me. Additionally, discrepancies exist in the information provided on certain accounts, as they have been removed from other bureaus, casting doubt on their accuracy. The reported payment history on some accounts is also unclear to me. I request that any information in my credit file resulting from alleged identity theft be blocked from reporting.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

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I own a Macys/star rewards credit card. The card carries an interest rate of 25.74 %. I recently had a balance of {$340.00} on the card. Macys received payment of the balance in full on XXXX/XXXX/17 per my XXXX credit statement. On the same statement, Macys charged me 25.74 % interest on XXXX/XXXX/17 on a balance of {$300.00}. They added the interest total to new purchases ( made on XXXX/XXXX/17 ) due on XXXX/XXXX/17. I called Macys to question why they would charge me interest on a bill amount that was paid in full before interest was accrued. XXXX, the Macy representative, I spoke with on XXXX/XXXX/17 @ XXXX CST, told me she would immediately remove the interest from my account and I should wait a few days to see the credit. This is actually the second time Macys has charged me interest on a XXXX balance. When I called to complain the first time, which was 3 years ago, I was told it was a " computer glitch '' and I was credited. My complaint is if I do n't call to complain, Macy overcharges me in interest. They are aware of the computer glitch problem and I do n't believe I am the only person they are overcharging, I am just one customer that is paying attention to their bill.