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

I received a loan for XXXX $ XXXX did this at Check N Go but on line in the store. I have been paying them XXXX a month since the end of XXXX in 2020. So I have already paid back them XXXX they are telling me I still owe them XXXX. Come to find out they are charging me 175 % interest on this loan. I figure since they were taking XXXX a month I would be able to pay the loan off quickly. Yes I realize I should have read the fine print to see that interest rate was so high ( I only figured it would be no more than 30 % ). I called them they said they are within the legal limits? How can they get away with this? This is robbery! They are taking advantage of people who think they are in desperate situation. It is outrageous they can charge 175 %
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 


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

I requested validation of this account alone with itemized payment dates. 
My last communication was on XX/XX/2021. 
Until now I have not received any proper investigation report .Neither I was informed about such actions.As required by FCRA Duty to Provide Accurate Information : FCRA 623 ( a ), this account must be deleted from my report and blocked from the further appearance .Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I ran a credit report from the 3 reporting agencies While XXXX and Equifax scores were above XXXX, the Equifax score was XXXX. The only difference I can see is an account reported in collection for {$1100.00} which ( on the accounts details section ) has no information about the " original creditor '' or the " company sold to ''. This account is simply listed as a " XXXX XXXX ''. I do not know what this is about and have had no luck disputing this with Equifax. I believe this is some predatory collection agency trying to sabotage my credit history on some bogus medical charge. The Account is listed as closed and recently updated on XX/XX/XXXX. A full copy of my credit report including the account details of this mystery debt ( first page ) has been uploaded.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX  XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$4100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXXXXXX XX/XX/XXXX {$190.00} XXXX  XXXX XX/XX/XXXX {$78.00} XXXX  XXXX XX/XX/XXXX {$3000.00} XXXX XXXX  XXXX XX/XX/XXXX {$16000.00} XXXX  XXXX XX/XX/XXXX {$1500.00}
Product: Payday loan

I had to take off work due to my wife having problems with her XXXX XXXX so i called the company and asked to make arrangements due to being out of work and they threaten to take me to court if i couldnt pay in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB previously about Navy Federal reporting incorrect information to the credit bureau. They contacted me within 3 business days and corrected the problem. Navy Federal is now reporting more wrong information and when I contact them they tell me that they dont see it. The incorrect information is on their site and on the 3 credit reports. The information theyve falsely reported is significantly bringing my credit score down. The amount is XXXX dollars with 8 late payments. Never ever made this charge and they wont allow me to close this account. I want that charge removed and my account closed. 

Please help.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7600.00}
Product: Credit reporting or other personal consumer reports

An inquiry from XXXX on XX/XX/year> was not authorized.
Product: Credit reporting or other personal consumer reports

I have an installment loan that is listed on two of the 3 credit bureaus, Experian is not showing the installment loan.

I have continuously contacted the bank with no resolution. This account is extremely important for my credit and this is hurting my credit due to the bank not reporting my loan with the credit agency.
Product: Credit reporting or other personal consumer reports

My credit file seems to have been compromised, indicating a failure on your part to act on removal requests, even when supported by FTC reports XXXX XXXX XXXX XXXX, and the most recent, XXXX XXXXXXXX. As a victim of fraud, I am insisting once more on the eradication of entries stemming from such activities from my credit report. According to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are mandated to eliminate any disputed items within XXXX business days following XX/XX/XXXX. This matter was addressed in my prior communication and is being highlighted again in light of a new FTC report. The entries listed below are unrecognized by me and have already been removed by other bureaus, casting further doubt on their accuracy. 
EXPERIAN 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 This notice serves as a final warning. Failure to comply with the removal of these items, as stipulated by FCRA 605B, will compel me to initiate legal proceedings. My legal counsel has been briefed on your willful non-compliance and is prepared to pursue all necessary actions to enforce my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card or prepaid card

Dear CFPB Team I have been a long time Amex card member ; 15 plus years. I use several of their credit card products ( 4 ) and pay over USD XXXX per year on fees on these cards. 

On my Amex Hilton Honors Card ( Card number ending in XXXX ), I was charged an interest charge of {$230.00} on XX/XX/XXXX. 

I called the rep and wanted to understand how the charge was calculated. The rep mentioned the payment due date on the balance was XX/XX/XXXX, and I had paid a few hours delay on XX/XX/XXXX. I explained I have never defaulted on any Amex payments over the last 15-plus years and, for a few hours of delay, should not be charged such high interest. 

I asked on what balance the interest was charged, and the rep, XXXX said he could not tell me on what balance the interest was applied as the system does not maintain that record. He said my last balance was about {$2900.00}, and my interest rate was 24.99 % per annum. I explained charging {$230.00} on a {$2900.00} balance for a few hours delay at 24.99 % is difficult to calculate even from a maths point of view. I asked him to explain, and he said he did not know how to explain as the system has no record of the balance on which the interest was applied. The call recordings should have the details of the conversation with the rep. The rep refuse to provide me a copy or transcript of the call recording and mentioned the recording could not be provided. I spend ~57 minutes across 3 reps. 

I would request the CFPB to look the unfair practice 1 ) f charging such interest not only for me but for all such Amex consumers, 2 ) provide a clear explanation to customers on the calculations, 3 ) Train their customer service to handle and respond and 4 ) look at possible class action benefits. 

Thanks
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I am an employee for XXXX XXXX in XXXX SC. A customer by the name of XXXX XXXX came into our facility to cash a Cashiers check from Chase Bank on XX/XX/XXXX. The Cashier 's Check came back to us from our bank with a stop payment on XX/XX/XXXX. We have reached out to several different departments in Chase bank to find out why a stop payment was issued and try and find a resolution but they refuse to help or even give me a phone number to someone that can help us. The Cashier 's Check was for {$1300.00}. I have spoke with Chase customer service at ( XXXX ) XXXX with no resolution on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I asked to be transferred to a manager on XX/XX/XXXX. The manager XXXX ( he did not give me a last name ) also said he could not help, would not give me a number to someone who could help, and said they did not have a corporate office number they could give me. I then contacted a branch close to our location in XXXX NC and spoke with XXXX on XX/XX/XXXX at ( XXXX ) XXXX and was told the same she couldn't help and when I asked for the Corporate office number she gave me the customer service number of ( XXXX ) XXXX. We shouldn't have to take a loss of {$1300.00} especially without any explanation as to why a stop payment was issued on a cashier 's check which we thought funds were supposed to be guaranteed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over two months ago, I wrote a letter to Experian, asking them to investigate errors on my report. I have not received a response from Experian in the mail. I also recently wrote a follow-up letter, which has also gone ignored.
Product: Money transfer, virtual currency, or money service

On XXXXXXXX XXXX XXXX, Capital One Bank sent a digital transfer of {$10000.00} to XXXXXXXX XXXX XXXX to pay of a loan. Bank statements from both banks reflect transmission and process. On XX/XX/2022, XXXXXXXX XXXX  statement shows funds returned with no explanation. Capital One shows no such return. Since then, I have spent the last 7 months interacting with both banks to resolve this issue. Because of the banking industries rules, regulations, policies, and procedures, the banks say they can not directly talk to each other to resolve this. I have continually been put in the middle to have to call back and forth to explain each bank 's requests, needs, and requirements. Without going into the excruciating details of having to talk to, and explain in detail to, different individuals on every phone call, my complaint against Capital One is that their Payment Department has on 2 occasions not sent the Proof of Payment full information that XXXX through me requested, and when they said the right information had been sent, XXXX claims non-receipt. I then asked the Capital One supervisor of the day, if the XXXX Department would provide me, the customer, with the information, so I could directly give it to XXXXXXXX XXXX  Executive Department. I was told no. This has become a 7 month vicious cycle of one bank asking for an email transmission, XXXX, Capital One stating they can't send it via email, and fax transmissions that continually get lost. This is clearly a bank to bank issue that somehow must be resolved by them since Capital One won't provide me, the customer, with the information needed to resolve it.
Product: Mortgage

Complaint ID : XXXX i am rewriting this complaint because the mortgage company ( AmeriSave Mortgage ) did not reply or answer any questions. I been calling them CONSTANTLY and sending e-mails to them, yet they do not reply. The ( original ) refinance loan officer has been shut-off, since he too does not reply. The whole company has gone dark. I am tire of their unethical business practice. My neighboor also applied for rthe 2.75 % interest rate and they were approved a week ago. My combine credit score from XXXX and XXXX was XXXX XXXX was XXXX but has gone down to XXXX because they maliciously keep asking for my credit report thus lowering my score everytime they ask for my report ). The only difference between my neighbor and me is that he is a XXXX  XXXX, I am a retired XXXX XXXX who happens to be XXXX XXXX. Yet they don't care about this creditble credit organizations. The last i heard from AmeriSave was when they accuse me of having a bad credit rating based on a mysterious credit finding organization that they refuse to identify. Everytime i ask for the phone number of that organization they would avoid the question. They got {$500.00} from me and in XXXX I was harrass to give them my bank account and routing number for them to get {$110000.00} ( approximately ). Once again I have try to call, email, text message -- - NO RESPONSE. At the very least they should have kept me abreast of what is going on with the refinance. They have gone dark.
Product: Debt collection

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 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 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 an 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 then records of convictions of crimes which antedates the reports by more then 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 reporting or other personal consumer reports

I have a couple of hard inquiries on my credit report that I did not authorize and I did not give permission for my credit to be ran. I would like them to be deleted immediately off my credit report please.
Product: Payday loan, title loan, or personal loan

Interest of XXXX %. A loan I got for XXXX XXXX is costing more than 5200.00at payoff. This is indeed predatory, ,my complaint is that I pay XXXXamonth because they won't change the due date, it comes out of checking account XXXX day before paid,, therefore over drawing my account,,, I called and ask them to change date of withdraws they said contract won't let them,,,,,,, approx.XXXXdollarsa month Xtra over draft fees XXXX ... .please check on this company
Product: Debt collection

XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX These 2 collection companies are trying to collect a debt that I do not recognize to be accurate. I have disputed it several times as inaccurate and have requested them to validate the debt by forwarding me the original creditor & contract, the account number, the original amount owed, date of first delinquency, and the payment history with authorizing signatures. To date, none of this information has been provided ; however, this info has been verified as accurate on my credit report. It is reported by a couple bureaus, but the dates are inconsistent. Therefore, I do not believe the credit bureaus are completing the proper investigation and are violating my rights under the FCRA.
Product: Credit card or prepaid card

This is in regards to my Chase Visa amazon credit card that in XXXX which has since been canceled. 

I had a fraudulent transaction that took place on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, Washington DC. and XXXX XXXX XXXX in XXXX XXXX, MD for {$1200.00} and {$13000.00} respectively. I canceled the card and reported the fraud immediately and these charges were removed from my account. I recently saw in my last statement that these charges were rebilled back to my account. I was told that it was because there was an ID present at the transaction. 

I told the fraud specialist that my car was illegally entered into back in XXXX of this year, and I had the credit card stolen and an old expired ID was stolen as well. The thief must have used my old ID, even though it was clearly expired, to complete the transaction. He was able to do that because people can still use expired IDs due to COVID in some areas of the country. 

I have a text message from my parents on XX/XX/2021 that says that they saw on my security camera that someone illegally entered my car and took stuff out of the dashboard when they looked at my on my security footage. I also have evidence from my XXXX location service that I was in the vicinity of my home all day that day. 

Those transactions don't reflect a pattern of purchases that I make with that card. I ONLY use that card to make purchases off of amazon and they are never that large. It should be obvious that I didn't make those purchases What is worse, is that when I called XXXX XXXX in XXXX XXXX they have no record of the supposed transaction taking place on that day. That means the credit card company is lying when they say that I made the purchase in-person to avoid refunding me. That is unconscionable and why I am making this complaint. I have evidence from XXXX XXXX that I only made one purchase in XXXX, and it was not on that day. XXXX XXXX has no record of me making a purchase on XX/XX/XXXX.
Product: Mortgage

This nightmare started when the broker mortgage from XXXX gave us a loan tu buy this property, he said this is a good loan and they called Pick a payment .This form of is very bad, because if the loan officer does not explain well about the facts and the whole concept of this loan.Its dangerous of sending the minimum payment because if we did, the payment does not cover the principal and not part of the interests and it is like not paying anything.If we understand well this loan, we would no have to bought this house.After that XXXX   closes for made that kind of loans .My loan was transferred the Loan to the XXXX XXXX XXXXXXXX and we have to fight with them in order to get a other kind of loan because this loan we have was illegal, with the house crisis the property became underwater like a half price but nothing happen .I am in the loan, but the payment was made by me and my father. We had a hard time when my father suffers a XXXX XXXX very serious .We lost his income and I tried myself continue with the payments .But the medical expense were very high I talked to the bank for some kind of help, because I can in that moment continue with the payments, that situation can be temporarily, also my father come in XXXX for several months the bank accepted a new application because my father past away and we need to restart the loan payment, but Nationstar take 2 years in the new modification and never allowed to send the payment when we are ready to continue with the payments .in the middle of the negotiation the again transfer to another bank without telling us anything, also in that moment I want to file a complaint that because they had cancelled my home insurance and had ordered another very very expensive one with minimum protection and very high deductible.With all this I felt that this purposely delayed the modification, because they wanted to us to loose the house .I and my family have a real hardship with illness and deaths that was real.The new Bank called Mr Cooper has the responsebility to fixing this situation, And now I get married and this change all.I need the bank remove all the illegal charge they charge to my loan because this illegally increase the amount of the loan .With all this I want to request a new loan with a fairly monthly payment .I just do not want my senior mother, my XXXX sister and his baby became a homeless for many illegal o errors of the banks.I have had some lawyers checked the entire loan and find serious errors since this loan was started.The rent of the apartments are very high in this area and I could not help my mother .my sister and his bb to pay for a home for them .That is my request to keep the house, the only house we have for me and all my family Thanks for your time and hope we keep our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm complaining about how Equifax is handling there security leak with the fact that both mine and my wife 's social security number, name, DOB, address and possibly more has been leaked because they have a very WEAK cyber security practice. Why would you have your database linked to web interface without many authorization and allow direct connect is beyond my understanding. The leaking happened during the summer and they also did n't report or make such leak public util early XX/XX/XXXX, which provide window for greater risk for us involved. 

I have to freeze all my credit on three bureaus to make sure my information will not be used inappropriately my criminals, a step which I should never have to take for something that I was not blamed for. I tried to contact Equifax but I could never get through their customer service number to a real person.