23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I took out a loan from Citi Health Card roughly two years ago XX/XX/XXXX. This account was created to pay for an orthodontic treatment and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from Citi notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling Citi proactively did I learn the status of my account ( and only at this point did Citi begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). 

I have spoken with Citi 's collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an XXXX % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. 

I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and Equifax and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : XXXX XXXX Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and XXXX and Equifax refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.
Product: Credit card

A statement was generated on XX/XX/XXXX and I had a statement balance of {$5200.00} and payment was due on XX/XX/XXXX. 

By XX/XX/XXXX, and per chase records, I had paid a total of {$5300.00} on the account. However they still charged interest on the following pay date. 

Call center Agent is being incredibly unhelpful and saying I didnt pay enough for reasons which she is not able to articulate. 

She says I was supposed to pay more money than that but nowhere did chase communicate that information to me. My statement balance was {$0.00} multiple days before that bills monthly due date. 

Further, call center is staffed with incompetent people
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XX/XX/XXXX S.S # XXXX XX/XX/XXXX To whom this may concern : It my great pleasure I want to inform you that You violated my right as a consumer! Please be advised that banking system is dependent on fair an accurate reporting Only! When you report inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. Please be advised that YOU have assumed a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I reserve the right to privacy you shall not report ant transactions or experience between myself and the person making the report at all. The only way communication amongst other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. You're reporting information on without no proof or investigation prior to these items being reported on my credit report. In addition, please reinvestigate the following items : 15 U.S.C 1681a ( 2 ) ( i ) -Definition ; Rules of Construction Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number # XXXX Please re- investigate the accounts and remove them from my consumer report. There are multiple violations under the Fair Credit Reporting act .... I have attached the letter with the account names and account numbers with each violation, which enclosed my DL to identify myself. *** IN ADDITIONAL, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** Sincerely, XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2018 As a first time auto loan seeker I went into United finance to fill out a credit application for a small loan to purchase a used car to get to and from school. When I turned in my paperwork I received negative feedback about being a address confidentiality program participant and at first was denied to proceed with anything. My older sister who has worked in a financial industry and came in with me tried to explain about what the program is and showed the underwriter employee a copy of our cards to explain why we do not have to disclose our address, and wanted to show the representative where he could find out more about this and quote it in the secretary of the states website but the employee deliberately cut her off and raised his voice that I would need to apply in a location closer to where our mail is forwarded in order to proceed. I am filing this compliant because my experience was not only of discriminatory nature, but also to help others from experiencing the same and in hopes that people in the financial industry take the time to really understand the regulations they try to enforce and to actually listen to the customers that seek their professional help. According to state law, no XXXX participant has to disclose their physical address and are only required to show their card in order to peruse financial services. It also my understanding that if they decline service they are no longer in compliance with the state law, therefore I am bringing this to your attention.
Product: Mortgage

Step 1 : What is this complaint about?

Went into contract to purchase a new construction home with XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX XXXX Gave a deposit of {$2500.00} and approximate expected closing date was XX/XX/2020. 
Applied for a loan with the builder 's preferred lender Caliber Home Loans for a USDA loan and submitted all paperwork requested in mid XXXX and was informed on XX/XX/2020 that the USDA loan had been denied due to income limit being above the requirement. They waited over 2 months to realize that I didn't qualify when they had all my information for the last 2 years where it shows my income to be very similar to today 's. Why was this not done promptly to confirm or deny sooner?

Step 2 : What type of problem are you having?

After sending me the USDA loan denial notification, Caliber Home Loans offered an FHA or Conventional loan options and sent Good Faith Estimates for both types of loans.

In conversations with the loan officer XXXX XXXX I mentioned that due to the Pandemic Covid-19 my current contract at XXXX XXXX XXXX may not be renewed and that I may lose my job, and possibly my last paycheck was XX/XX/XXXX. 

Step 3 : What happened?

Caliber Home Loans accused me of exaggerating so I could get my closing costs covered and that due to my disclosure of a possible unemployment situation he had no other choice but to deny the loan.

Step 4 : What company is this complaint about?

I explained the situation to the builder 's sales representative XXXX XXXX and he forwarded two other preferred lenders to start the pre-approval process again. I refused to authorize these two other companies to run my credit. In addition to the fact that I can be laid off and that the first preferred lender had already denied the loan, I asked the builder 's representative to cancel the purchase because I was denied the loan. 
The builder is now sending me a cancellation & release form stating that management spoke to Caliber Home Loans and they determined I do qualify for an FHA loan and that XXXX would expect me to close on time. 
I feel this is unfair and untrue because I have it in writing where the loan was denied, so it is not because I don't want to close but due to the reasons stated above. 
I understand if they don't want to give me my {$2500.00} deposit back plus the {$500.00} deposit for upgrades selected but for me the most important thing is to make sure that I am not liable for anything else. 

Step 5 : Who are the people involved? 
People involved : XXXX XXXX XXXX, Caliber Home Loans and myself.
Product: Credit reporting

I paid this Creditor in XXXX and it still is showing on my Credit Report. XXXX amount of XXXX
Product: Vehicle loan or lease

I mailed a principal payment in the amount of {$6200.00} overnight via XXXX  on XX/XX/18. 
It was received and signed for on XX/XX/18. They posted the check on XX/XX/18 and back dated it to XX/XX/18 and it should have been back dated to the date received which was XX/XX/18. 

I called customer service and then escalated to a manager, I advised I should not be paying interest on {$6200.00} for 7 days that the check was floating around their office and that the check should be back dated to the date received which was XX/XX/18. The manager told me " they post the check when it comes across their desk and they are in the XXXX so they don't have to follow the rules of the USA ''.
Product: Credit card

On XX/XX/XXXX I got a message from XXXX XXXX that I had a hard pull on my credit. I hadn't signed up for a card in years. I called Capitol One ( a bank I am in no way associated with ) and discovered that my name had been used in the application of the account. I was put down as an authorized user- not the main owner of the card, so they couldn't give me the name of who opened the account. They said they flagged the account for fraud. 

On XX/XX/XXXX, XXXX XXXX notified me that someone had successfully opened the account with me as an authorized user. I called Capitol One again and had them take me off of that account, delete all my information in their database, and later called back to make sure it was gone. They said that the thieves must have had my name, phone, and social security to add me on as an authorized user- meaning my information was leaked. They reported the account as fraudulent- as of XX/XX/XXXX no charges have been accrued on the card. It might still be in the mail. 

I froze all of my credit at all three credit bureau 's, and also put a fraud alert on all three. I am currently working on disputing that card, but it hasn't shown up on two of my credit reports yet. If it does pop up, I will be disputing it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts are FRAUD ... .... # XXXX XXXX XXXX XXXX IN, XXXX, XXXX XXXX XXXX, XXXX mississippi XXXX # XXXX LUNV funding LLC, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX & XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeXX/XX/XXXX Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 

XX/XX/XXXXaccount # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX XXXX never late XXXX   XXXX not mine COLLECTIONS 01 XXXX XXXX   XXXX  XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} not mine 07 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} not mine 08 XXXX XXXX A XXXX {$580.00} not mine 11 XXXX XXXX {$180.00} not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Debt collection

PRA has used illegal and immoral practices to attempt to collect questionable debt from me. PRA has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to PRA. I ask that they immediately cease all communication. This account should be deleted immediately.
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX, has violated my rights. 

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: Debt collection

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collector : Paragon Revenue Group. This company opened an account using my personal information with no authorization from me. Paragon Revenue Group has reported that the account of the alleged debt is open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. XXXX sent a response letter providing me with the contact information this debt collection company listed above. This company has reported an incorrect illegal account to The Credit Bureau without consent from me. Paragon Revenue Group is holding my personal medical information without a contract between them and I to hold my personal health information within their company. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation. Paragon Revenue Group used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression. This company has posted that because the alleged debt that I do not owe has been sent to an attorney that has not reached out to me. This is a violation of 15 USC 1692 j and 15 USC 1692e.
Product: Credit card or prepaid card

At XXXX CA time on XX/XX/2018 I got a call from a US Bank rep asking me if I had submitted a credit card application with address=XXXX XXXX XXXX , XXXX XXXX , CA XXXX. I told her no and that I had not lived at that address for over 35 years! She also said the phone number listed on the application was a different phone number than the one she was calling me at. She then said the credit card application was denied and a fraud investigation would begin. It didn't! At XXXX on XX/XX/2018 I called US Bank fraud dept at XXXX and the rep took my correct mailing address, phone number and email address and said an investigator would call me. No one did! 
To my surprise and horror, I received an alert on XX/XX/2018 from XXXX XXXX XXXX credit monitoring stating that a credit card application was approved by US bank and that {$250.00} had been charged on that account which was being " investigated. '' HOW COULD THAT HAVE HAPPENED? 
Doesn't the bank have to verify the credit card applicant 's correct mailing address and phone number before approving the card application? Both address and phone on the application were wrong, yet it was approved! 
Doesn't the bank issuing the card need some other form of ID like a CA Driver 's license number and expiration date? A bank or credit card held by the applicant? 
-- >NONE OF THE ABOVE WERE PROVIDED. 
Also, three Fraud US Bank reps I spoke to promised to relay the information I provided to XXXX the investigator, but she told me today on the phone that no one had provided her any information on this case. Finally, when you call the number to report fraud on US Bank website [ https : //www.usbank.com/XXXX  ] which is XXXX, and after a long hold, a rep has to transfer you to another number/department and you are then put on hold for over 1 hour! They not only don't list the correct number but they are so short of legitimate Fraud reps that the victim can't get through on the phone! US Bank should be penalized for the above negligence and irresponsible conduct!
Product: Credit reporting

I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and XXXX ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, XXXX around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XX/XX/XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that XXXX % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe XXXX % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every XXXX weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these credit inquiries to be pulled from my credit profile. Additionally, there are some names that I don't recognize on my personal data, and I did not file bankruptcy.