23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is a fixed rate fully amortized installment loan. The payments are automatically deducted on the same day of the month, every month since the loan first originated to take advantage of a rate discount. Although the payments are auto-deducted, I still receive a paper statement. On my paper statement, it provides a breakdown of my payment stating how much will be applied to principal and interest and there is also a section that lists previous payment and how the payment was actually applied. Aprox a year ago, I noticed that the amount that was stated going towards principal was not applied. My statements would indicate a higher portion that would be applied to the balance only to see on the following statement that a lessor amount was actually applied. 
Some time in XX/XX/2018, I had contacted the lender by phone and also via online chat to inquire about this and was simply informed that the amounts that were reflected on previous payments section were correct but was given no explanation for why my statements continually indicate a higher principal payment portion. Concerned about whether this discrepancy will pay the balance in full at the time of maturity, I requested an amortization schedule. However, the document I received was just a payment history of my mortgage. I made another request via online mortgage customer service message and received another payment history. When I called I was informed that they do not have one to furnish. 
While my P & I payments are fixed and paid automatically the same day each month, I have no way of knowing how much truly needs to be applied to pay the balance in full at maturity. Typically you trust that the lender has set it up correctly, however, I can not get an explanation for the discrepancy in how or why my payments are being mis-applied each month and whether my unpaid balance is correct. Without an amortization schedule, I can not reconcile that the payments are applied correctly especially since my paper statements is misleading. 
I have included several months statements for supporting documentation.
Product: Mortgage

Denial for Gap in Employment ( Husband ) no letter from Navy Federal Credit Union ; Navy put us in for the wrong Mortgage Loan put The XXXX in for First Time Home buyers ; Misled closing Attorney by sending documents for them to close on Loan : We determine we was put in for the wrong type Loan, Navy put us in for a First Time Home Buyers and I ask that question back in XXXX 2016 who decided that type of loan, this correspondence was sent via Navy message but never got corrected by Loan Officer ( XXXX XXXX ). XXXX sent an email saying approve to move to processor and she ( XXXX ) will be get in touch to prepare the XXXX for closing. The closing Attorney said the file was given to him a week before the closing date XXXX XXXX, 2016 so he can prepare for closing. I phone and XXXX told me XXXX said was not going to make closing, why was n't we notified about closing. Navy never told us to extend closing and now all involve was misled about closing on my future home. the final, the XXXX call XXXX Monday XXXX XXXX, 2016 later that day and she told us we was denied because of my husband GAP in Employment. We do n't believe XXXX XXXX followed the attached email from XXXX HR contact XXXX XXXX XXXX to verify his employment, the email is attached and why was n't the employment verification done weeks in advance and then we was told the Loan was Denied wholly off XXXX gap in employment by XXXX over the phone the same day she contacted his employer?
Product: Credit card

Purchased computer from Best Buy at 0 % interest for 12 months. Was charged over {$300.00} in interest while making payments since XX/XX/2023. Company refuses to reverse.
Product: Credit reporting or other personal consumer reports

Somebody used my identity info and attempted to open a XXXX credit card. I was alerted and contacted XXXX and XXXX XXXX to remedy and get the inquiry reversed.
Product: Debt collection

Express Credit Card through their representative XXXX XXXX had charged me with {$6.00} for a service that I'd never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX numerous letters to get my personal information correct ... They will correct it and then place the information BACK on my credit report. 

I am demanding to have my work information removed from from my XXXX XXXX credit report ( all 3 bureau reports )
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. My employer direct deposit had a scheduled deposit date of XX/XX/scrub>XXXX XXXX XXXX, as shown in the attached deposit notification from my employer. It is now XXXX XXXX XXXX and still my funds are not in my bank account. As a single mom of two, this puts a huge financial strain on my family, as we are dependent on my income as the sole provider of my household. Additionally, this situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit information with all 3 services and noted that Experian, XXXX and XXXX  are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called the County Recorder of deeds in my county ( XXXX County, NY ) and they stated per the NYS Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the NYS taxation website and verified that the NYS goverment does not report tax liens/warrants to Credit Reporting Agencies. On X/XX/17 I called Experian, XXXX and XXXX to dispute that a current tax lien satisfaction is being reported by the NYS Taxation or XXXX county recorder of deeds. XXXX, Experian and XXXX contended the information was accurate. I additionally, informed XXXX that the information from their specific report states that the records are furnished by XXXX XXXX. I informed them this information was inaccurate as I do not reside in the county of XXXX XXXX. I have attached the NYS Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} Fidelity Credit Acct # XXXX Bal {$2900.00}
Product: Payday loan, title loan, or personal loan

day XX/XX/2018 XXXX I was inform that my loan was approved for {$5000.00} for 30montths {$180.00} @ 10 % fix interest at that time they put {$490.00} into my acct then they ask me to go to cvs and put {$490.00} on a card then send it back to them that was for my PPI. then they will transfer the {$5000.00} in to my acct. then they called me and told they need a {$150.00} and I told them no
Product: Student loan

Fed Loan stated the my XXXX was missing, nothing was missing. Then they stated I was being processed, they didn't give me a que number that my XXXX would be processed. Then I was denied my XXXX for missing information. Spoke to a manager, they said everything was fine and my count still isn't updated. Complete morons.
Product: Checking or savings account

On or around XX/XX/XXXX and XX/XX/XXXX, I engaged in XXXX transactions with XXXX XXXX. During these transactions, I was assured of receiving specific marketing services and assets. Additionally, I was guaranteed a refund should the company fail to deliver satisfactory results. Despite these assurances, XXXX XXXX charged upfront fees for services that were not completed and failed to produce the promised marketing assets. I was required to send merchandise valued over {$400.00} for asset creation, yet only one asset was developed. This discrepancy between the company 's commitments and their actual performance is a matter of concern. 

I attempted to resolve these issues by contacting both the owners of XXXX XXXX and the assigned marketing representative, but my communications were met with no response. 

Furthermore, I have faced challenges with Cash App, which has consistently supported the merchant without requesting any documentation or conducting an investigation. The marketing services, for which I expended over {$7000.00}, were deemed inadequate by standards set by several prominent marketing firms. My requests for a chargeback were denied by Cash App, citing the absence of errors and refusing to review or investigate the matter. Customer service interactions have been unhelpful, often resulting in terminated conversations. 

Additionally, my discussions with a personal contact at XXXX XXXX  suggest that more rigorous investigative measures should have been undertaken, including soliciting further information from me, in accordance with established guidelines. Regrettably, I was not provided the opportunity to present my case or the relevant details. 

I find it increasingly frustrating that as a hardworking individual in my demographic/race, I am subjected to such practices where a company like XXXX can XXXX to honor its commitments without any repercussions. The automatic siding of the bank with the merchant, without considering potential fulfillment errors or merchant abuse, is concerning. The issues encountered include misrepresented products, unfulfilled service promises, and a failure to issue refunds. Despite offering XXXX XXXX opportunities to address these issues, they have remained unresponsive to communications, whether via calls or direct inquiries about the service progression XXXX days into the agreement. 

This situation represents a failure to honor contractual obligations and a lack of accountability, leaving me without recourse for the significant financial and professional impact suffered
Product: Student loan

I was making payments, however they were n't enough, so they sent me tocollections and then since they said I was in " default '' they would only take alump sum payment. First they said {$9000.00} then they said XXXX. I got them tolet me pay XXXX ( which I had to borrow ) and then I made 100 monthlypayments for 2 months after that, per the arrangement. I called back to XXXX know I could continue making payments, but they said " no '', back to thelump sum thing again only now the best I could get them to do was XXXX over3 month period. I really am trying. I explained to them back in XXXX that mycompany was bought out, I had to look for other work and now I am on acontract position, could end any time, but I am still looking for permanentemployment. I am paying on a ton of student loan debt. I have XXXX and can barely afford groceries, but hey at least I amtrying here, why ca n't they work with me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian was sent a SECOND letter via certified mail ( copy attached ) detailing inaccuracies in credit reporting and verification. This letter was complete with all company names, account numbers, and specific concerns involving each item in question. A copy of state issued drivers license and social security card were also inculed as identity verification. As of todays date XX/XX/XXXX, there has been no response to the demands indicated in that letter. A complaint was filed with CFPB and on XX/XX/XXXX XXXX  responded that they were unablle to proceed because they needed the names and account numbers that they had already been provived. Experian continues to maintain that they have investigated and results are accurately reporting despite never providing details of how this investegation results were determined per my rights as a Texas consumer. Experian ia also sharing information with a third party company XXXX which was not authorized by me. This third party company has also been sent cease and desist letter yet Experian continues to illegally provide/ exchange my personal information with this third party company without my authorization or consent.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. Original Creditor : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give your company written permission to furnish these late payments on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : Based on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence. 
Clerical Error : The account in question had no outstanding balance at the time of the reported late payment. Attached are statements showing that the account was in good standing. 
Inconsistent Reporting : The late payment was reported inconsistently across different credit bureaus. This indicates a discrepancy that needs to be corrected. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

This is a debt that is not mine. It belongs to a business entity and was cancelled because they insured the wrong party/address and in wrong state. I asked them to stop calling me. They call and leave voice mails as if they are attorneys and never specifying that this is a debt collection/attempting to collect a debt. 

Collection Agency : Brown & Joseph , Ltd. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Debt collection

This alleged XXXX XXXX XXXXgency failed to contact me within five days of receiving my dispute of alleged debt account # XXXX in doing so they violated Title 15 1692g ( a ) also this alleged collection agency failed to respond to my dispute it now has been over 45 days and this alleged collection agency has not ceased collection of the disputed debts violating Title 15 1692b.