23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have recently began studying for the Federal ( XXXX ) for my NMLS certification. In the last 3 days I have learned more about unethical behavior as it pertains to lending than I have ever learned in a lifetime of " real world '' experiences. When I purchased my home in XXXX ( and refinanced in XXXX ) I was NEVER told about any of the required disclosures which would have afforded me the opportunity to make a truly informed decision ( especially as it pertains to rescission ). My monthly payments were never what was promised during closing, I have no idea what my true APR is currently and after closing I was asked to pay an additional {$3500.00} in closing costs " off the books ''. I felt rushed, bullied and pressured to sign ... but I had a family that needed a residence ASAP and I had to provide. 

I want to know what recourse I have currently to either restructure my loan, recoup expenses for the trauma it has caused my family or have this XXXX loan forgiven at the expense of the lender ( who has since sold my loan to XXXX, XXXX other people ). Since learning all of this information as a result of my studies I am, needless to say, infuriated that even after the XXXX deliberate destruction of our housing economy I am still experiencing ( and PAYING FOR ) these types of predatory actions! 

I did my business with Townstone Financial out of XXXX, IL. I can provide all other required information at your request. Thank you for looking into this matter. 

XXXX XXXX XXXX
Product: Debt collection

I had a home internet account with XXXX XXXX XXXX. I cancelled the account in XXXX of XXXX. I paid the final bill on XX/XX/year>. I returned the equipment to my local XXXX XXXX The equipment is called a XXXX. I have documented proof that I paid the last bill and returned the equipment.
Product: Credit card or prepaid card

An very obviously fraudulent charge was placed on my gift card. I started a claim but they seem to deliberately slow things down hoping I just give up Got a {$500.00} gift card ( number is XXXX XXXX XXXX XXXX ) which magnetic strip was compromised. Called them to let them know and ask for a replacement card. Received replacement card ( number is XXXX XXXX XXXX XXXX ) tried to use it, magnetic stripe worked but transaction got declined. Called in and was told that my card XXXX was used in-store for a {$490.00} charge at a XXXX XXXX  that I have never been to. 
Charge is very obviously fraudulent and the blame is on gift card provider since card XXXX was supposed to be disabled at the time of the fraudulent transaction at XXXX XXXX, since transaction " happened '' after I called to let them know about the defective magnetic stripe. Charge was not even possible anyways since as mentioned magnetic stripe was not working. 

Since then, I have complied with all requests from cardholder services but they are not taking care of this issue and obviously try to slow things down waiting for me to give up. 

Extra Detailed Info Date of last interaction with business : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the elimination of any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate concerning reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I realized I needed to replace my car. It was suggested I investigate using some equity in my home to finance the car. I am a XXXX XXXX, retired and do not have much banking and loan knowledge. I used the Internet and found many companies offering home equity loans. I clicked on XXXX XXXX XXXX trying to find out what the interest rates were. I feel that I was tricked by this company. I entered information that the page requested. I simply wanted to see the interest rates. XXXX XXXX XXXX did a Hard Credit Inquiry on me without my permission. Their webpage does not disclose that not only are they doing a hard Credit Inquiry but they take any information request as an Application for credit! Then I got an email from XXXX XXXX XXXX saying they were working on " my application '' and I NEVER applied for anything. I also received an application package in the mail. It seems that requesting information to XXXX XXXX XXXX is some sort of Contract of Adhesion in their minds. I was shocked when I got an immediate Alert from Experian. I called Experian and was told I needed to call XXXX XXXX XXXX to get that Hard Credit Inquiry removed. I did that and was treated rudely by 2 different employees of XXXX XXXX XXXX and was told they refused to remove the Hard Credit Inquiry. I called them and emailed them and said I NEVER applied for a loan and I was not going to apply. I contacted the XXXX XXXX XXXX and received a response from XXXX XXXX XXXX denying my request to remove this Hard Credit Inquiry. Experian will not allow disputes over Hard Credit Inquiries and has not responded to my complaint with the XXXX XXXX XXXX. XXXX XXXX XXXX took advantage of my simply researching rates and now my Credit Score is impacted. I need your help, please.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX multiple times in regard to removing this alleged debt from my report. First I requested a removal due to them just reporting to Experian without providing me a dunning letter but received no response. I then contacted them about providing proof and if no response within the allotted time frame of 30 days I requested removal but to my avail no response was deemed again. It has been over 120days and still no response from this company. I am requesting immediate removal from all reporting agencies including Experian as I have been apart of the data breaches and know this debt is inaccurate. Please remove immediately as this is affecting my overall score. Thank you and I appreciate your support.
Product: Vehicle loan or lease

I had a XXXX  and my car got wrecked i called and told credit acceptance and the person i was on the phone with agreed to not put a reposession on my credit if i returned the car i returned the car not only is it on there but i asked if i paid it off with the 60 % they was offering can it be deleted off my account they keep saying no but they already gave me false information
Product: Checking or savings account

On XX/XX/2020, the debit card company, Direct Express, which handles my SSA funds, allowed a fraudulent charge to pass through them. I reported this to the company that day and ordered a new debit card. They, and I, had to wait 5 business days for the " pending '' status to close ( keep in mind the $ was already removed ), at a total of {$310.00}. The company which withdrew the $ is called XXXX and is located in XXXX, XXXX. The debit card transaction line is ridiculous. Hold for usually hours, and usually get hung up on 'accidentally '. On XX/XX/2020 they closed it and the $ was redeposited. On XX/XX/XXXX, however, they allowed the same company to do the same thing with my old debit card # and took the $ from the new. They refuse to give me their address to write a hardcopy letter to them for myself as directed by many sites regarding fraudulent debit card activity and which would also allow me to file a complaint with law enforcement. It's now XX/XX/XXXX. They told me on the XXXX that now I must file a report with them and that they were sending out a time-sensitive packet that I must complete and said that it would arrive within 3-5 days. It has not arrived and this information they 'need ' is due in days. I do not know who to turn to and I honestly need this $ returned. I can't even buy my medication or any necessity at present because of this fiasco. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported inaccurately and incorrectly on my credit report. I see multiple late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Money transfer, virtual currency, or money service

JP Morgan Chase Bank let a one of there members have a fraud scam account. They allowed this criminal to steal thousands from from investors and business owners. I was a victim from this fraud back in 2021. I reached out to JP Morgan Chase numerous of times but no luck getting the funds back that I lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to information on my credit report. First of all my personal information is incorrect. My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Please delete the name " XXXX XXXX XXXX '' and the addresses " XXXX XXXX XXXX XXXX, OH, XXXX '' and " XXXX XXXX XXXX XXXX, OH XXXX '' in order to prevent identity theft and further damage to my credit report and financial reputation as this is adverse action. Also. I have never been late on the XXXX XXXX account ( # XXXX ) Please update this account to paid as agreed. The account XXXX XXXX is a charged off account. The company filed a 1099C cancelation of debt with the IRS which means the account is gross income and not debt. INCOME IS NOT INCLUDED ON MY CREDIT REPORT. The account XXXX XXXX XXXX ( # XXXX ) is inaccurate. I was never late on this account. Please update to paid as agreed. The account XXXX XXXX XXXX ( # XXXX ) was included in a bankruptcy that I filed. It should not be present on my credit report. Please delete this account from my consumer report immediately. The account XXXX XXXX XXXX  ( # XXXX ) is incorrect. There are many missing reporting dates in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is not up to date with XXXX XXXX standards for accurate reporting. I was never late with this account in XXXX, XXXX, XXXX, and XXXX of XXXX. Please update this account to paid as agreed. Lastly, the inquiries Resident Verify, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Ally Financial are fraudulent inquiries and need to be removed immediately. I am aware that my consumer report must be accurate and your failure to properly report my information is a criminal offense. It is extortion to know that there is no money in circulation due to the Emergency Banking Act and 18 USC 8 that states all debts are obligations of the United States and still report these accounts to my credit report. Thank you for your attention to this matter.
Product: Checking or savings account

XX/XX/2023 {$30.00} swept from child savings account in to personal account. Requested PNC bank to remove the overdraft feature from my child savings account XX/XX/2023 along with activating bill pay feature. Bill pay was resolve but the overdraft protection was not causing my childs savings account to deplete instead of denying transactions via personal checking. PNC Bank picks and chooses transactions they deny and sweep from childs savings account. I asked repeatedly to stop this feature and just to decline the transactions if there arent any funds in my personal checking account.
Product: Credit reporting or other personal consumer reports

Recently I looked over a current copy of my credit report and even though I have disputed these issues several times I still find multiple inaccuracies on my account. This account has been hurting my ability to maintain credit and establish new credit. I have been subjected to predatory lending and adverse results when applying for credit. It is my understanding of the FCRA laws you will investigate these items for me to ensure the accuracy of these accounts. Please see below the account I am requesting you to verify as accurate. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX this is how it appears on my report.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My account had an available credit, then the company without any advance notice charged me an annual fee which was fine but I should have been notified in advance as the fee put my account over the limit. I immediately made a payment to bring my account to a positive. That payment posted to my account within 2 days. Then I Made my monthly payment on XX/XX/23 from the same bank checking account that all my payments have been made from for over 2 years. As of XX/XX/23 my payment still has not been posted to my credit card account. This payment cleared my bank on XX/XX/23 and the credit card company has received the money but are still holding my payment for 14 day because payment was made with unsecured funds ( personal check or AFT ) then the charged my account the monthly maintenance fee that again put my account over the limit. They have never ever in the history of my account help my payment for 14 days. This is not right. If the process my payment and it clears my bank then that payment should be posted to my account not held for weeks after they received the funds.
Product: Checking or savings account

I purchased a preorder pair of headphone for {$140.00} from a company called XXXX on XX/XX/XXXX. In XX/XX/XXXX the company claimed to be finally shipping out the headphones. They were sent out to a person to review them on XXXX and they received a bad review. The very next day XXXX closed up shop leaving many customers without their preorder money and no head phones. I reached out to my bank Capital One to dispute the transaction and was told that is was past their 120 days to dispute. They told me I had to go about to XXXX and request a refund. I again went back to Capital One explaining that the company does not exist anymore so I can not contact them. I have tried four different times to have Capital One refund my {$140.00} but to no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / 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
Product: Mortgage

Under federal rules, a lender can collect enough escrow funds to cover your annual bills, plus two monthly payments, plus {$50.00}.

My total disbursements were {$6600.00} the total in my escrow was {$11000.00} that is 69 % higher then needed.

Average payment is {$510.00} x 12 = {$6100.00} Plus tow additional payments {$510.00} x 2 = {$1000.00} Plus {$50.00} Total should be {$7200.00} They are exceeding the allowed Federal amount by 55 % or {$4000.00} Even in the attached scan I submitted they state the lowest monthly escrow balance should not exceed {$1000.00} but the actual lowest I ever got was {$1000.00} I called my escrow company and explained the situation, they said there is no one I could discuss with it directly but they would file a report and if approved the would reduce the next escrow payment and if I did not see a reduction then my request is rejected and I would receive no call back or notice.

I received waited two statements and not only did they not reduce the amount they increase it again.
Product: Debt collection

XXXX XXXX CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. I no longer live at XXXX XXXX XXXX XXXX Ga, so if you could please send it to the address listed below, thank you. 
Thank you. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello I contacted XXXX in XXXX  about a public records credit freeze. Due to my being a victim of XXXX XXXX. They sent me a notice letting me know that they would comply with my request but has failed to do so. I have reached out to them multiple times only to never be able to speak with the Special XXXX XXXX  Debt nor do they return my calls. I have also been hung up on multiple times. I ask that your agency conduct an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my Equifax report which do not belong to me. 
This is my 2nd attempt to have this removed. 

I demand the following fraudulent Inquiries be deleted from my Equifax credit report immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX/XXXX  - XX/XX/2021 I contacted the Federal Trade Commission and filed a FTC complaint which is attached. 
I have also attached proof of identity and address
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account.

5. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.

7. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report.

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.

10. there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account.

11. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report.

12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account.

13. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account.

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Equifax credit report and noticed inquiries that was not authorized by me. These unauthorized inquiries was placed on my credit report without my permission or knowledge.
Product: Credit card or prepaid card

I intended to apply for a Wells Fargo Visa signature card, but accidentally applied for the Wells Fargo Visa Signature last applied.. I applied for the wrong card because Wells Fargo since I couldn't tell the difference between the two cards.. 

When I called the 1-800 number on the back of my card, the customer service representative to see if I could switch to the correct product, the representative kept on kicking me around to three or four departments. Some even told me to go to the branch or apply online, instead of helping fix the mistake. 

I really didnt want to deal with any of their XXXX, so I submitted another application for the wells visa signature card. I'm afraid that the hard pull will affect my credit score and that i will declined for the card..