23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I got my wisdom teeth out at XXXX XXXX in XXXX, KY in XXXX of XXXX. 
My insurance would not cover the expense of {$1500.00}, so they set me up with a plan to pay my bill " interest free '' with a Care Credit credit card. I was not aware of any promotional benefits expiring in XX/XX/XXXX, so I set up autopayment with my XXXX card and waited patiently for the day my balance would be paid off. That day never came, and in XXXX of XXXX, I unknowingly received an increase in my owed balance of {$580.00} when I owed only {$650.00} left. This made my balance increase to {$1200.00}, which is only {$350.00} less than my initial balance. Not only had my balance increased, but I was also unwillingly now paying 26.99 % APR on this balance. I was not aware of these occurrences until I ran my credit report and discovered an increase in my debt owed late in XXXX of XXXX. I immediately reached out to Care Credit customer service, which was of no help and treated me like I was in the wrong by not being aware of the events that occurred and why. I talked to four customer service representatives who were not sympathetic ( XXXX XXXX, XXXX, XXXX, and XXXX XXXX and one collection accounts XXXX, XXXX, who was not helpful at all. After a little research, mainly while I was on hold between transfers, I discovered in XXXX a complaint was made about " deceptive enrollment process '' concerning the CFPB found that service providers misled some consumers by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. For the record, I was given a minimum monthly payment that I paid every month, never missing one payment. I feel like the minimum payment was chosen by the provider in order to ensure the balance would not be paid by the end of the promotional " interest free '' period. If I had more information, I would have paid the correct amount to avoid the extra charges, including an outrageous increase from 0.00 % APR to 26.99 % APR on a balance that was roughly 78 % of my original balance. Please advise if there is someway to appeal this. If not, I will need to make a decision quickly on how to deal with in order to avoid financial disaster. Thank you for anything that will help.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX is reporting Charge Off accounts on my credit report repeatedly placing the CO Mark every month, this is not correct as they keep updating the account every month. I have already communicated with the bureaus and they say that they investigated and everything is fine, which I doubt since I still see many errors. 

And I have the same problem with Wells Fargo too
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccuracies displayed on my credit reporting such as dispute status, account balance and past due balances I requested a factual dispute, documentation via email, and proof of validation of debt, I requested a MOV which was never received for this alleged account but this account continues to report these inaccuracies listed above
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity and 3. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXX High Balance {$0.00} {$3100.00} Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Mortgage

Dates XXXX and XXXX of XXXX, amount {$2500.00}. Issue my account reported XXXX XXXX late to all 3 credit bureaucracy. I had XXXX XXXX XXXX and XXXX XXXX XXXX which causes my financial burden. In the month, I XXXX XXXX XXXX XXXX and lost of work, In XXXX I experienced XXXX XXXX and had to fix up the damages to my house before things get worse in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I had a lot of financial responsibilities for XXXX XXXXXXXX. I've contacted my mortgage company and reported this XXXX XXXX requesting to have negative report remove. Also, I've contacted all 3 credit bureaucracy to report this natural disaster as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax by phone & filed a complaint XXXX-XXXX  explaining that someone is using my information & they have done nothing to correct it. Again I am asking that these accounts be deleted as Fraud request.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report an account listed in my consumer report incorrectly. The account is XXXX Account # XXXX the account has several late payments listed that is incorrect. XXXX has late payments listed as XX/XX/2024 XXXX XXXX  and XX/XX/2024. Experian XX/XX/2024, XXXXXXXX XXXX, XX/XX/2024, and XX/XX/2024. XXXX XX/XX/2024, XX/XX/2034, and XXXX XXXX. These late payments are not accurately reporting and they do not match up. These payments should be updated as paid as agreed. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

On XX/XX/XXXX I received an alert stating I had a collection on my credit report. When I accessed my report I saw a collection there from Caine & Weiner who apparently are a 3rd party collection agency for XXXX XXXX XXXX. I have never had any business with XXXX XXXX XXXX and did not incur any debt with them. I have no idea how they got my SSN or enough of my personal information to report to the bureaus, but I don't owe them anything!
Product: Debt collection

on XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. 


the following accounts are not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

There was a purchase on XX/XX/23 for {$240.00} that was not mine. I notified Commenity bank by mail and I received a letter stating they were investigating. About a month later, I received a letter stating I was not responsible for the transaction and it would be removed. They charged me again for {$240.00} and only added one credit. The original {$240.00} is still on my credit card.
Product: Credit reporting or other personal consumer reports

All conspired, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. Experian is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; Each of these third-party credit reporting agencies has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years. 
Conspire means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as all have caused theft, sold my property from one agency to the other without consent, teamed up with the credit furnishers who are prohibited from sharing, transferrin, passing around, trading, etc information without my consent or authority, they and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA XXXX There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 Each of these entities is still breaking the law. each of these credit agencies is trading, passing around my private information for profit committing crimes against me as a consumer without lawful authority..
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 XXXX will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

ON WED XX/XX/XXXX MY HUSBAND AND I RECIEVED AN EMAIL FROM GM FINANCIAL FOR A BALANCE OF {$740.00} AND ANOTHER PMT THAT WOULD BE DUE XX/XX/XXXX BUT WE QUALIFIED FOR A DERFERMENT WHICH WOULD PUT TWO FULL PMTS AT THE END OF THE LOAN BUT NEEDED TO CONTACT THE OFFICE BY XXXX. ( THEIR LOCATED IN XXXX ) I REPLIED VIA EMAIL TO THE SENDER ( XXXX XXXX ) IF WE COULD PAY {$300.00} NEXT FRIDAY XX/XX/XXXX ON HUSBANDS NEXT PAY BUT WAS NO REPONSE OR CALL BACK FROM HER OR ANYONE. I THEN ATTEMPTED TO MAKE ARRANGEMENTS BUT MY HUSBAND HAD TO TAKE THE CHANCE OF BEING FIRED WHILE BEING ON HIS PHONE AT WORK TO CALL AND GIVE THEM PERMISSION TO DISCUSS THE ACCT WITH ME. WE HAD ALREADY SENT IN THE PROPER DOCUMENTATION REQUESTED BY GM TO BE AUTHORIZED TO SPEAK WITH ME BUT HIS HAS ALWAYS BEEN THE ISSUE EVERY TIME I'VE HAD TO CALL THEM. IN ORDER TO COMPLETE THE DEFERMENT MY HUSBAND AGAIN HAD TO BE SPOKEN WITH TO GET A PIN NUMBER TO AGREE TO THE PROCESS AND WE WERE TOLD IT WAS {$52.00} TO FINALIZE THE AGREEMENT SO I USED XXXX XXXX AND DEBIT CARD TO PAY A TOTAL OF {$60.00}. IT WAS AFTER THAT WE WERE TOLD THE REPO COMPANY COULD STILL COME OUT FOR THE VEHICLE BUT WE KEPT OUR FAITH THAT WE WOULD BE OK AND THINGS WOULD WORK OUT AND WE'D GET BACK ON TRACK. MY HUSBAND LEFT FOR WORK THIS MORNING AT XXXX AND AROUND XXXX SURE ENOUGH XXXX XXXX XXXX XXXX XXXX WAS LOADING UP THE TRUCK. THE DRIVER WAS FRIENDLY BUT WAS GIVEN ORDERS TO COME GET HE TRUCK SO ONLY DOING HIS JOB IT WAS GM WHO DIDNT GET THE DOCUMENTS TO THE REPO COMPANY TO SEIZE THE REPO IN TIME SO NOW THEY SAID THE DEFERMENT NO LONGER IS AVAILIBLE AND TO GET THE TRUCK BACK WE NEED TO PAY {$1400.00}. MY HUSBAND JUST STARTED WORKING 10 HOURS A DAY AND WE HAVE XXXX DAUGHTERS XXXX AND XXXX WHO I NOW HAVE NO TRANSPORTATION IN THE EVENT OF AN EMERGENCY ISSUE AS WELL AS I WAS DIAGNOESD WITH XXXX XXXX SO HAVE HAD TO SCHEDULE MY APPTS. WE ARE VERY DISATISFIED WITH THE TREATMENT WE HAVE RECIEVED FROM GM AND HURT A FINANCE COMPANY IS MORE THAN WILLING TO SHATTER LIVES RATHER THAN WORK WITH MORE COMPATION WITH PEOPLE WHO HAVE ROUGH TIMES FINANCIALLY.
Product: Credit card or prepaid card

I am sick of trying to resolve this problem with capital one. I paid my account in full and close it because they wanted to continue to charge me fees and interest after I paid my account in full. Instead of reporting that I close my account in full they went and reported that I owe them {$7.00}. They know this balance was from a fee from them and that I close this account. Yet they are still reporting that I owe them money
Product: Mortgage

CityWorth Mortgage refuse to give or sign the release form for my apprasial I have sent a formal letter of request which is enclosed in the documents and this company refuse to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  I had a fraudulent account appear on my credit from a company named   XXXX   XXXX   XXXX  . I immediately contacted the police and filed an Identity Theft report.  XXXX  Police Report #  XXXX  The account was removed from all  XXXX  bureaus, however the count was reinserted to my Equifax file in  XXXX   XXXX . I was told by  XXXX   ( Equifax Rep ) th at i needed to file a new police report because Equifax only keeps their information for 2 years and that  XXXX   XXXX  issued the account on my credit under a new account number. I filed a new police report and the account was removed.  XXXX  Police Report #  XXXX  Today the account has reappeared on my Equifax credit report for  a 3rd tim e and issued again under a totally different account number than the p revious two tim es!!! This is so frustrating Equifax knows the account is fraudulent and it should be blocked from appearing on my credit. I am also going to file a complaint with the Department of Justice because   XXXX   XXXX   XXXX   XXXX  is playing games .... they keep changing the account number and the month and year the account was supposedly opened in order to place it on my credit. I disputed the account online with Equifax and called once i got on my lunch break and the lady told me i never should have disputed it online if i was going to call in ...  XXXX  she said it is nothing she can do at this time.     Equifax file number  XXXX
Product: Mortgage

The mortgage processor from Navy Federal Credit Union assigned after online application and upload of requested information withdrew our loan application and hung up the phone during a phone call on XX/XX/2019. The loan officer was unavailable and did not communicate for 5 days. The process was broken with confusing document requests electronic and otherwise. Refused to accept digital signatures for 4586-T forms requiring printing and mailing. Was unprofessional. Damaged our credit by pulling a hard credit pull.
Product: Credit reporting or other personal consumer reports

XXXX, i have sent many dispute letters to them about accounts that have been charged off and still showing a balance. When some accounts have XXXX and others they will not change the balance. This is inaccurate information. I did not give them the consent to keep incorrect information on my credit report. Also there are two collections in which i have disputed and those companies can not provide the bill of sale where they purchased my alleged debt. My privacy has been compromised and these transactions are not to be disclosed. They never told me what they did to verify any dispute.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/year>, OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : [ XXXX XXXX XXXX ] [ XXXX ] Subject : Dispute Regarding Response on My Account and Immediate Deletion Request To whom it may concern : I am writing to express my disagreement with your response regarding my account, which continues to contain inaccuracies. Additionally, you have now altered the date the account was closed and have been marking the charge off status month by month, which is illegal according to the law. I am therefore requesting the immediate deletion of this account, as you are legally required to provide an accurate and error-free verification, and this account contains numerous inaccuracies.

I ask that you resolve this matter appropriately and in accordance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

CrossCountry Mortgage is listed as an approved lender for my states grant program. When I questioned them about the program, however, their response was as follows : " Cross Country as a company is an approved lender. However Cross Country only allows each state to offer one Down Payment Assistance program. Cross Country in Oklahoma opted to go with the REI program over the XXXX program. I can see how youd think that but I can assure maam we are not allowed to offer XXXX here ''.

It's confusing to me that they are an approved lender, but they will not help you do a grant through the state. This feels like a practice that would impact lower-income individuals especially. At one point they even offered me more towards my closing ( though significantly less than what the grant would have ) as long as I did not try to receive assistance, this also felt slightly predatory.
Product: Consumer Loan

I purchased a XXXX vehicle in XXXX of this year. I think I may have been a victim of discriminatory auto loan pricing. I have a relatively high interest rate and was quoted a down payment. Then later the next day I was required to make an additional down payment.
Product: Checking or savings account

I have been a customer of JP Morgan chase for a long time now. The issue I have is this : Each & every time I try to send a message re : any of my banking needs, I get a electronic message stating 1 ) " we do not recognize this device ''. I then need to call in to get an access code. I then need to call in to get the access code. I get the code enter it, BUT THEN 2 ) their menu options do NOT scroll down to send a message!!!! I have complained to Chase about this issue for well over a year & the problem persist!!! I believe IF a customer has to complain about the same problem over & over, then CHASE is negligent in FIXING the problem & rectifying it. I am a XXXX senior & to go through this aggravation each & every time to access my account information is DEPLORABLE!!!! At this time, I do NOT want to change banks since I have my mortgage w/ chase & my savings/ checking w/ them. Plus, my daughter is on my acct. since I am senior XXXX XXXX XXXX, so she can have access to my acct. IF anything should occur. Also, she sometimes deposits funds into my account. # 3 ) My daughter is younger & technically savvy so she wants " Paperless '' statements. I have complained about this numerous times also : XXXX XXXX XXXX XXXX XXXX I have complained to Chase, multiple times, I do NOT want paperless & since I am primary on the account XXXX XXXX XXXX I can not do paperless. BUT Chase automatically changes my accounts to paperless!!! I have complained to Chase about this numerous times. Therefore, Chase is NOT honoring my request & NOT accommodating my XXXX!!!! In this day & age of technology Chase should be able to negate changing my acct. to paperless!!!! Can you PLEASE intervene on my behalf to rectify these issues?? PLEASE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received a credit alert saying a negative account jas been placed on my credit reports by CREDIT CONTROL SERVICE. I have received a validation showing anywhere that I owe this company money nor a contract showing I owe anything to this company. Yet they have placed a collection account on my credit which has negatively affected my credit scores. I do not know who this company is and they are in violation of my consumer rights as well as causing harm to my credit standing and good name.
Product: Credit card

Goldman Sachs bank XX/XX/XXXX closed my apple credit card account. Many times I requested them, they could not find specific reason closed my account. I could not buy from apple store on installment. I am very disappointed from Goldman Sachs Bank. Today XX/XX/XXXX once again I requested to Goldman Sachs Bank. Customer representative Of Goldman Sachs Bank XXXX could not find specific reason closed my account. They do not know why my account was closed.
Product: Checking or savings account

I have been charged {$120.00} in fees due to a mistake or intentional misinformation by the bank and was told that those fees are not refundable. 

I opened my checking account in person at Bank of America XXXX of XXXX. I was told at the branch that I will be given a student checking account with a fee waiver. However, I have just discovered that the account that BoA gave me, which I thought and been promised to have a fee waiver, have been paying a XXXX XXXX  monthly fee for the past 7 months. I contacted the BoA regarding this issue XXXX XX/XX/XXXX around XXXX ) and was notified that my account doesn't have a fee waiver and was not setup as the student account that I was promised at the branch. They fixed the account type and gave me the fee waiver. However, only 2 out of 7 monthly fee instances were refunded.
Product: Credit reporting or other personal consumer reports

I realized last spring to early summer that my credit report has multiple accounts I did not open. I know this because I had a XXXX  XXXX in XXXX. At that time I did not want to apply for any credit whatsoever. I married in XXXX and had a trial use if credit monitoring which alerted me my social security number has been found on dark web. Also, I was granted settlement from XXXX breach recently. XXXX or experian, one of those. I also have been notified I will receive compensation from XXXX breach. My purse has been stolen with my ID and ss card in XXXX and XXXX both were reported to local law enforcement. I have disputed numerous entries on my credit reports with all 3 bureaus multiple times this year online, vis uses mail, as well as phone calls. Still, there are multiple things on my report I did not authorize.
Product: Money transfer, virtual currency, or money service

Was contacted XX/XX/21 about needing a payment through PayPal for a vendor from a hacked account After emailing back and forth I sent {$750.00}. 

I later learned this email account had been hacked. 

I have records of the emails transactions and payment