23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This complaint is regarding Home Depot Credit Services who has billed me {$1900.00} in interest charges on a 24 month no interest promotion. In those 24 months, I made payments in the amount of {$4800.00} of which only {$190.00} was applied by Home Depot Credit Services to the promotional balance. When I inquired, they said it was my fault for not calling monthly to tell them where to apply my payments whereas my payment should have been applied to the promotion first ( which does n't account for the {$190.00} credit that I never called them about either ). I would like to know if I have any worthwhile case against Home Depot to remove this interest fee based on my making above-the-minimum-payment each month as was required of me. Home Depot presses that it is my fault for not calling them monthly and for not reading my statement each month, which in the years XX/XX/XXXX-XX/XX/XXXX Home Depot is well aware that online banking exists rampantly and the consumer should feel safe in making regular payments through his bank without reading the " fine lines '' of every billing statement. They count on this for their bottom line as opposed to any concern for the consumer. If even just the payment amount over the minumum payment is applied to the promotional balance, in the last 12 months ( not 24, which the promotional period is for, but for which I do not have statements currently ), then I have paid {$1300.00}, with ( 1 ) shows only one of the two years of payments in the period ; ( 2 ) shows my intent at purposely paying more than the minimum to ensure against incurring an interest fee on the promotion and ( 3 ) ; still begs the question how only {$190.00} was applied to the promotion. While I do n't have the remaining statements showing what I paid above the minimum payment, I have made the request for the archived statements through Home Depot to prove that I should not have incurred the interest on the promotion, based on my having paid Home Depot approximately {$1500.00} more over the past 24 months than the initial promotional balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several credit inquires that are reflecting on my report that I do not know the companies. I have written letters to the companies and credit reporting agencies to give me more detail. They have not given me a proper resolution.
Product: Mortgage

I'm trying to pay my payment and the website is down and customer service can not access loan information at the moment.
Product: Mortgage

Hello, I was referred to you by the attorney generals office. We have had ongoing problems with our mortgage company. They are falsely saying that we owe them thousands of dollars that we do not. And our house is in foreclosure even though we never missed or were even late on the mortgage payment. 
At this point, we do owe them one months mortgage because they refused to cash the last check, because they said we are in pre-foreclosure. 
We had only owed them {$1900.00} for a check they sent to the town for property taxes and the town cashed it and paid our taxes in advance. We had paid the taxes up to that point. We have had a mortgage on the house for 15 years and never had escrow. Now they are saying that we owe them {$6500.00} and they want it paid to satisfy the debt on their terms or we will lose our house. 
They have actually sent us letters with false information saying that we did not pay our mortgage for XXXX, XXXX and XXXX. And We have cashed, cleared checks proving that we did pay and were not even late. 
Please help or please direct us to who can help. 
I am afraid that we are not the only people they are doing this too. And another person or someone elderly who is confused may just pay them the money and they may be getting away with this? 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I added {$200.00} to my XXXX account via Coinbase while the price was about {$200.00}. It has withdrawn from my bank account but has remained pending for 36 hours. My last deposit was instant. My issue is that their customer service is talking about days to respond which can potentially cut my investment by 95 % at the current rate of growth. Also, side note, the app wont let me transfer money now.
Product: Payday loan, title loan, or personal loan

I am a XXXX Veteran and have limited income. I reached out to bigpictureloans.com for a loan due shortfallings on my bills in XX/XX/2017 I was paying the installments on time only to realize that the {$800.00} I did pay on my {$1000.00} loan was only interest and that I still had over {$3000.00} to pay. How could anyone afford that? This is highway robbery. There is no way I can continue to afford to pay them {$400.00} per month on a {$1000.00} loan for the next year or so.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


XXXX XXXXXXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, XXXX  XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 10. there is some inaccurate information reporting. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

Wells Fargo collection department has been auto-electronic dialing our phone number, which is on the do not call registry, and our loan is current, and not in collection. We have asked them in writing to stop. They ignore the requests. Last week we were called at least XXXX times by Wells Fargo auto dial, and a non English first language person who we could not understand left a message. We saved it so we can prove we are getting these calls.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 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 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I WAS TO OPEN AN ACCOUNT WITH XXXX XXXX, CHECKING ACCOUNT. THEY SAID TO GET A TEMPORARY SECURITY LIFT FROM XXXX. 
XXXX THE LIFT WAS ACTIVE AND THEY DECLINED MY APPLICATION. 

XXXX CLAIMS CHEKSYSTEMS GAVE THEM DEROGATORY INFORMATION ABOUT ME ULTIMATELY DISREGARDING ME. 

WHO GAVE XXXX PERMISSION TO SPEAK TO CHEK SYSTEMS? I DIDNT, I PURPOSELY LOCKED EVERY REPORTING AGENCY FOR THIS REASON. 

WHO GAVE CHEKSYSTEMS PERMISSION TO RESPOND TO XXXX OR FOR MY NAME? I DIDNT I EVEN CALLED THEM AND REGISTERED WITH THEIR SITE TO SEE EXACTLY WHAT IS ON MY ACCOUNT. 

CAN YOU BELIEVE THEY REPORT ABSOLUTELY NOTHING ON MY ESSENCE. I HAD TO INPUT ALL MY INFORMATION. THE REPRESENTATIVE ON THE PHONE CONFIRMED THERE IS NOTHING TO REPORT. 
WHY DID CHEKSYSTEMS STEAL MY IDENTY AND REPORT INACCURATELY ON MY BEHALF. THEY TOLD XXXX XXXX XXXX INFOMATION THAT IS UNVERIABLE WHICH IS AGAINST THE LAW! FCRA TO BE EXACT WHY DID CHEKSYSTEMS FABRICATE SUCH INFORMATION THAT THEY HAD NO PERMISSION TO SHARE? 

I ALLOWED XXXX, AND ONLY XXXX TO TALK TO XXXX ON MY BEHALF. 
WHY DID XXXX GO TO CHEKSYSTEMS? IF THERE WAS NOTHING OF NEGATIVE VALUE THERE WHY NOT JUST OPEN THE CHECKING ACCOUNT? 
I WANT A FOIA REQUEST STATING YOUR PROCEDURES IN OPENING AN ACCOUNT. 
I WANT TO SEE WHY DID YOU GO THE EXTRA MILE TO GET ANY INFORMATION ON MY NAME WEATHER IT WAS FABRICATED OR NOT? 
IM EMBARSSED, I COULD NOT EVEN OPEN A TRUST CHECKING ACCOUNT TO HANDLE MY XXXX  AFFAIRS. 

XXXX WHAT WAS THE REASON TO DENY ME? ACCORDING TO THE LAW THERE IS NO REASON TO DENY ME ESPECIALLY SINCE IM THE SURETY FOR THE ACCOUNT AND YOU ALREADY HAVE MY PERSONAL INFOMATION. 

THIS SHALL SERVE AS NOTICE, I WAS VIOLATED AND NEITHER COMPANY WANTS TO TAKE THE BLAME BUT BOTH BENEFIT OFF MY NAME.
Product: Credit reporting or other personal consumer reports

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting.
Product: Credit reporting or other personal consumer reports

I sent in a letter regarding two accounts on my credit report that are allegedly past due and negatively reporting on my report, which was not approved by me or opened up by me I also submitted my documentation from the commissioners office in my state which is New York because at the time of the alleged debt/ account opening I was XXXX  and XXXX XXXX XXXX So I made sure to reach out to The state commissioner until I got a response and they wrote a letter regarding my XXXX and that those debt could definitely not be me.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX XXXXXXXX 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 XXXXXXXX
Product: Mortgage

I have tried XXXX or XXXX times to request assistance in the past XXXX years. The mortgage company either waits too long to reply and documents expire and have to be resubmitted or they never get through underwriting. They just closed XXXX I have been working on since XX/XX/2024. 

Foreclosure is being pushed because home is worth XXXX what I owe. 
STOP FORECLOSURE and review assistance pack
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$7500.00}
Product: Debt collection

Started complaint with Experian credit reporting agency ( Report # XXXX ) to dispute XXXX XXXX XXXX XXXX again just sending a report to credit bureaus and I have no opportunity to see final bill or check with my insurance about what was paid and what was still owing ( I have recieved nothing ) Experian refuses to request a bill from XXXX XXXXXXXX XXXX XXXX I have ABSOLUTELY nothing to go on
Product: Debt collection

Subject : Formal Dispute Under 15 U.S.C. 1681 Lack of Written Consent for Furnishing or Obtaining My Consumer Report To Whom It May Concern, I am writing to formally dispute the unauthorized access and furnishing of my consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I have identified entries that indicate my information was accessed for insurance purposes or by entities for which I never provided explicit, written consent. 

Pursuant to 15 U.S.C. 1681b ( a ), consumer reporting agencies are only permitted to furnish a consumer report under specific circumstances, including when the consumer has provided explicit written consent. I have never provided such consent for my consumer report to be accessed for insurance underwriting or any other unauthorized purpose. If you claim otherwise, I formally request documented proof of my written authorization.

Additionally, the unauthorized access and furnishing of my report may constitute a violation of 15 U.S.C. 1681b ( f ), which restricts any entity from obtaining a consumer report without a permissible purpose. If my report was accessed without my explicit written consent, this action is unlawful. 

I demand that you immediately : 1. Remove any inquiries or accounts related to unauthorized access of my consumer report.

2. Provide me with the name and contact information of any entity that accessed my report without my written authorization.

3. Provide proof of my written consent allowing such access ; otherwise, delete the disputed items.

Failure to comply with the FCRA may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I expect a full response, along with the requested documentation, within 30 days as required under 15 U.S.C. 1681i.

Please confirm in writing once this matter has been resolved. If no proof of my consent is provided, I expect immediate deletion of the unauthorized inquiries or accounts. 

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

I have requested proper legal documentation from XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT
Product: Credit reporting

inquiries that was once deleted is back on my credit report and i would like for them to be removed. i was not sent any nofication stating they would b put back on.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  account to Coinbase Inc at the instructions of the scammers.
Product: Checking or savings account

On Monday XX/XX/XXXX I received an email with the following offer : " Open a Citi Accelerate Savings   Account with this exclusive offer Get started with : 2.36 % Annual Percentage Yield as of XX/XX/19. 
Plus, you can earn:10,000 XXXX XXXX AAdvantage bonus miles with required activities. '' The required activities were as follows : Earn XXXX AAdvantage bonus miles in two easy steps : 1.Open a new Citi Accelerate Savings Account with no limit on earnings. 
2.Use the Citi Mobile App for XXXX and log in to your new account at least two times within 30 days of opening your account to earn the XXXX AAdvantage bonus miles. 

I opened an account through the link provided in the email as I was instructed. I funded it and I made sure to download the app and check it multiple times, way more than the two times required because I wanted to make sure I qualified for the offer. 

I then called Citi to inquire on XX/XX/19 and was told that no such offer existed. I asked to speak with a manager who put me on hold and then came back with the same answer. I told them I was looking at the email with the offer terms as we spoke. I asked for an email address to forward the email as proof of the offer. She wouldn't give one out. I asked to transfer my call to whomever handles these offers. I was informed it was " the promotions department ''. I asked to be transferred to the promotions department and was told that they wouldn't accept my call. 

I was told I could open an inquiry and I did so. I received a letter in my account messages stating I didn't qualify for an offer that was completely different from the one I had originally inquired about. 

I feel completely misled by these bait and switch tactics. I did exactly as I was told to qualify for the offer and I would like my XXXX American  AAdvantage miles.