23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an investigation on my credit report which is causing me so much stress. I pulled my credit report from XXXX XXXX XXXX and I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XXXX I mailed a certified letter to you about a inaccurate account on my credit report. I checked my credit report to see that the account was not deleted or updated. On XXXX I sent a certified letter again to do a reinvestigation on the same account that was showing inaccurate information. It shows that the letters were delivered and the accounts were not deleted or updated again. It has been over the 30 day time to rectify this inaccurate information and they refused to do it. 

Here is the account : I sent This letter to XXXX, XXXX, and Transunion XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : Transunion reported date XXXX, XXXX reports date XXXX and XXXX reports date XXXX. Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report I underlined and highlighted the error as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a formal complaint regarding Care Credit, a division of Synchrony Bank, and XXXX XXXX  for engaging in predatory lending practices and misrepresentation of loan terms, which have resulted in financial harm. 

Details of the Incident : On XX/XX/23, I financed a medical procedure through Care Credit at XXXX XXXX  for a total of {$6700.00}. I was explicitly told by XXXX XXXX  that the terms of the financing included an XXXX no-interest promotional period, and any interest ( 26.9 % APR  ) would accrue only on the remaining balance after that period. However, after the XXXX promotional period expired, Care Credit has applied a 26.9 % APR from the origination date of the loan, which was never disclosed. This resulted in {$2900.00} in retroactive interest charges, which inflated my balance beyond the original loan amount, even though I have made nearly {$3000.00} in payments. 

Issues : 1. Misrepresentation of Terms : The financing terms explained to me by XXXX XXXX were misleading. I was led to believe interest would only accrue after the XXXX period, but Care Credit applied interest immediately. 


2. Predatory Lending Practices : Care Credit 's retroactive application of a 26.9 % APR is predatory and has resulted in financial harm, as it has increased my balance above the original loan amount. 


3. High-Pressure Sales Tactics : XXXX XXXX  pressured me into signing the agreement by offering a {$1000.00} discount for same-day booking, making it difficult to fully review the terms and conditions of the financing. 

Consumer Harm : These practices have caused significant financial distress. The misleading nature of the loan terms and the retroactive interest charges are predatory, violating consumer protection laws. Despite my efforts to dispute this directly with Care Credit, they have failed to rectify the situation. 

Request : I request that the Consumer Financial Protection Bureau investigate Care Credit and XXXX XXXX  for engaging in deceptive and unfair lending practices that target vulnerable consumers. I am also requesting that Care Credit be required to remove the retroactively applied interest, adjust the balance to reflect the true remaining loan amount, and cease all negative credit reporting and collection activities.
Product: Credit reporting or other personal consumer reports

Due to 15 u.s.c 1681 ( a ) Accuracy and fairness of credit reporting 1681 ( e ) Compliance procedures ( b ) Accuracy of report 1681s-2 Responsibilities of furnishers of information to CONSUMER reporting agencies ( a ) and ( b ). NO PERSONAL INFORMATION OTHER THEN THE DOCUMENTATION THAT I PROVIDED SHOULD BE ON MY CONSUMER REPORT. The CRA are reporting Inaccurate information.
Product: Credit reporting or other personal consumer reports

On the credit reporting ot XXXX, there was a charged off account with XXXX. 

But I have never applied and therefore had any XXXX XX/XX/XXXX. I have never charged on XXXXXX/XX/XXXX. I have never received any monthly statements and I have never paid any payments to XXXX, or XXXX XXXX. I have never received any notices of late or nonpayment from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.
Product: Checking or savings account

On XX/XX/2021 I had closed Bank of America IRA Account XXXX  XXXX XXXX  XXXX and moved the funds to a brokerage account. The balance was {$7000.00} and month interest was {$0.00} for a total {$0.00} for eight months. I understand interest rates are low and do not fault the bank forfeiting the {$0.00} cents because the maturity interest period was not complete. I do fault the bank for having the funds on deposit for over 15 years and changing Fee Rules after the initial deposit. The position they hold is XXXX cents inters or {$50.00} fee, with out making it know to the consumer. A no win situation for the customer. 

The issue I feel is the Trustee Transfer fee of {$50.00} for one transaction. The fee verses the interest rate is unrealistic. I called the bank and the were sorry for low interest rates, forfeiture of interest and sorry for the fee, but nothing they could do to change the fee. 
I am sorry to complaint about this usury bank fee, to close an account. I made attempts to find these rules posted and I was told they are listed on Bank of America website and to search for the agreement. 
I had the money in the IRA for years and this was not part of the agreement. I can see how Bank of America doubled they profits this quarter. The charge fees on simple transaction of closing an account. 

Please let me know what action I can take to recover the Trustee Transfer fee of {$50.00}, which was another name for closing an account.
Product: Credit reporting or other personal consumer reports

XXXX continues to use malicious practices against me. I ask for transaction history only to be removed to XXXX balance from my credit report as the FCRA says I can because that is illegal not for my credit card account to be deleted and they deleted my whole credit report when they previously put XXXX loans and mortgage on there thats never even been mine who permissible purposes, that reporting transaction is illegal not the removal of my account in full and the rest of my accounts now I dont have a any accounts or I dont have a credit score and why has XXXX XXXX and all of my other things been removed I never requested that. XXXX XXXX has also been removed from XXXX and Equifax as well this is not what I ask for and the law doesnt require me to have the full amount removed but only the transaction balance
Product: Debt collection

I have multiple complaints about this company. This company originally contacted my mother on XX/XX/XXXX.  They said they were calling her about a Legal case filed against me. When I called back they answered the phone as law office. They refused to give me information on their location and hung up on me when I asked too many questions. They told me I was a deadbeat and didn't pay my bills They called me again today XX/XX/XXXX. They said they were calling for litigation filed against me in my local district attorneys office. They said they represented Conns, that they were lawyers and they were calling to get a statement before filing paperwork against me and sending it to me. 
This debt is almost 15 years old. It occurred back in XX/XX/XXXX. I have a current account with Conns and pay all of my bills. 
This company has harassed my family members, they pretend to be lawyers calling from a law office. The address they gave me to their business is to a postal service in California. They call multiple times per day. I need help
Product: Mortgage

our mortgage company has over the years been increasing our mortgage and we are on a fixed mortgage and they do give as an explanation an escrow analysis and it came down to according to the mortgage company an increase in property taxes our problems with this are many it is nearly impossible to keep up with fluctuating mortgage payments and creates a tremendous hardship to the family in which we did fall behind by two payments in reality we requested to be taken off escrow when not delinquent and we were turned down in addition we were not treated fairly by the mortgage company as the only option they gave us under loss mitigation was to increase our mortgage once again it was only after i complained to them that the company gave us a denial letter and falsely claimed that i did not submit all information which i did by fax and have the documentation to pove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I each tried several times to request a temporary unfreeze of our credit reporting from Experian. We each attempted several times online and several times on the automated phone system. Each time we received the message : " We were unable to honor your request to temporarily remove your security freeze based on the information you entered.

Sending us your information To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information [ deleted for this complaint ] '' All information was double checked and accurately entered, but we were not successful. 

Finally, searching the internet, I found similar complaints and, in one posting, a Experian sales phone number. Through that number, I reached a human who with no more information than I had entered, quickly implemented the unfreeze. 

By placing high barriers to the no fee freeze/unfreeze service, the company appears to be driving clients ( especially those with immediate need to unfreeze ) to their CreditLock product which the describe as : " You can unlock your Experian credit report to temporarily allow access to : Lenders and financial institutions who want to view your report as part of processing your legitimate credit application with them. 
Any company, such as an insurer or employer, who requests access for a verifiable reason, such as opening a new utility account in your name. 
It's on-demand security that can come and goinstantlyto help protect your information from prying eyes and cruel intentions. '' This forcing the use of a paid product clearly violates the intent of law and regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent MY OWN dispute to TransUnion and they denied saying it wasnt me directly. I AM NOT WORKING WITH A CREDIT REPAIR AGENCY. All I want is a fair investigation.
Product: Debt collection

I ask the Debt Collectors to prove that I owed them the debt when they filed a lawsuit against me, but it is pass the Statue of Limitations to collect on this debt, however, they were still granted a Summary Judgment and I would like to report this business to seek relief from this crime or unfair consumer practices of XXXX as Trustee, XXXX XXXX, XXXX XXXX XXXX, XXXX and Heavner, Beyers & Mihlar, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company provided my personal intonation with out my written consent. According to 15 U.SC. 1681 602 A. States that 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 which I never gave them written consent to share my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account, XX/XX/22 XXXX XXXX Mng in the amount of {$1600.00} and XXXX XXXX XXXX ON XX/XX/22 in the amount of {$360.00} 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 an account without my written instructions.
Product: Debt collection

Never received any correspondence from this company. This debt has been discharged through bankruptcy in   XXXX    2010.
Product: Checking or savings account

I was informed the week of XX/XX/2020 that might count has been in active. I had called the company and they had told me to send in my paystub a form of identification and my Social Security card. I had sent all of these items XX/XX/XXXX I called probably about A week later to see what was happening with my account because nothing you know was changed then the lady informed me that I need to send the C ID number with that is tied to my card but they did not tell me that when I had called the first time so then I send all the information again with my C ID number then I give a called again the following probably week and a half or so away whats up my account all the images are too little we cant see them can you send it again so I sent the information thats very important information my of identification to them and they couldnt see it so I sent them one more time and then they had bothered to say oh can you send it one more time in 200 or 300 % so we could read your form identification I did this XX/XX/XXXX I called today give me five business days so they could receive the fax and I am informed once again that I need to send my form of identification one more time plus my fiancs information where as I told her why didnt you guys tell me this from the beginning she answered I dont know they should have told you this is been in your this has been in your account since XX/XX/XXXX that I needed to send information of my fianc which does not make sense because he has nothing he is not in the account this is my account I am the account holder. Every time I call they give me another task at hand where it should just have been said from the beginning every time I call its something new Ive been dealing with this issue since last year XXXX I couldnt do a lot of things because I have so much money on this account that dont have access to. Now they said I have to send my information again and my fiancs information. I do not have a problem sending this information but this would be the sixth time I send very important at information without anything happening to my account.
Product: Checking or savings account

Citi Bank advertised that if I open up an account with {$50000.00} and maintain that balance for 3 months, I would receive {$700.00}. After 3 months, I called Citi Bank and was told that I qualified for the bonus and I would see it on my statement at the end of the month. I called several times over the course of 3 months and I did not get my bonus. My sister opened up her own account and she had to fight to get her bonus, too. She eventually did. However, they are still promising that I will get my bonus but it's been 5 months since Citi Bank VP Branch manager and Citi Bank representatives assured me I will receive {$700.00}. We've been stopping in the branch multiple times and they say it's coming. I sent emails, too. Citi Bank does not honor its word. I read online reviews, too, and other customers are having the same issue! XXXX XXXX XXXX XXXX rates Citi Bank an " F. '' Another customer at the bank was also complaining about not receiving his {$700.00} bonus. Do not trust that Citi Bank honors its promotions and bonuses. Even when I say that I will consider taking action for bad faith, they still do not care. I highly recommend finding another bank to conduct your business.
Product: Checking or savings account

TD Bank XXXX N.Y. 

I was recently a victim of Identity Fraud and I was pre judged by that Branch manager and wasn't given any courtesy that the average customer with a simple checking account would've have gotten. I'm literally trying to keep everything together because the same people and or someone else has compromised my pre paid card as well. The police officers explained that TD is sending to may people to the station for police reports. 
I have way too much going on to get in depth but the way I was treated by that branch and the entire parties in this matter was extremely unethical.
Product: Mortgage

On XX/XX/XXXX, contacted Rightpath Servicing via website requesting an Account Payment Summary beginning XX/XX/XXXX, when mortgage was signed, as advised by the the attorney represented in my bankruptcy filed in XXXX. 
The complaint is filed against the loan services Rightpath, Nationstar ( no account in my name ), or Mr. Cooper ( no account in my name ) could not provide the total account summary information. Upon receipt of, and after contact with the previous mortgage lenders, an account payment summary was acquired for the dates each lender serviced this mortgage, until date transferred to another servicing company. 
In addition, the payments made on the claims in my bankruptcy including this mortgage ( current, arrearages and interest ), and cross referenced to the other account summaries not provided by the current loan servicing company, Rightpath, payments were not applied to my mortgage as directed by the court. To-wit, this complaint was to be submitted as advised by my bankruptcy attorney if the company could not provide the TOTAL Account Payment Summary for the Mortgage and/or if the bankruptcy payments were not applied properly
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX XXXX {$58.00} XXXX XXXX XXXX {$950.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$260.00} XXXX   XXXX {$130.00}
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX - XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I received information in the mail from Convergent Outsourcing Inc in XX/XX/2019, for a XXXX XXXX bill that is not mines, nor have, had XXXX in the past 4 years. This debt is mines. I have also disputed this inaccurate information with the three major credit bureaus. I also sent a Validation to The collection company, no response.