23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made purchases of {$2200.00} through homedepot.com using a Home Depot store card on XX/XX/2021 due to the promotional APR of 0 % offered by Home Depot. However, I see a statement appears to have diverted {$160.00} or more to a XXXX Balance with an unknown interest rate. I am disappointed that I am having to spend more of my unpaid time getting Home Depot to honor the promotional balance when I made a single purchase of {$2200.00} through the website in XXXX distinct purchasing transaction on XX/XX/2021. On XX/XX/2021, I called the customer service number at XXXX to resolve the problem. I spoke with a supervisor named XXXX XXXX XXXX XXXX  that attempted to resolve the diverted amount of {$160.00}. However, XXXX started reading a long legal description for individual transaction amounts -- instead of the approximately {$160.00}. I initially agreed to one amount. I was hesitant on subsequent amounts since the legal description was not in writing. I requested the terms in writing. XXXX refused. I restated my request that I have a XXXX & was having difficulty following, so I need the legal description in writing. XXXX refused again & claimed because I gave prior consent that I could not revoke that consent. I restated my position & stated I would have to follow up with a regulatory complaint because there is no reason I should have to resolve individual transactions from XX/XX/2021 due to Home Depot 's error. I ended the call due to the XXXX 's refusal to provide the legal description of the verbal terms stated on the phone call. From XX/XX/XXXX through XXXX, 2021, I continued XXXX Home Depot 's card services through their website homedepot.com/mycard. Home Depot staff continued their refusal to resolve the error, continued their refusal to provide the the verbal terms from XX/XX/2021, and stated they " noted '' the problem but would not resolve it. I am submitting this complaint so that anyone else that makes a purchase through the website under the terms that it was under a 0 % promotional financing does not get deceived by Home Depot diverting their transaction from the 0 % promotional financing. Thank you for your time, XXXX XXXX
Product: Credit card

Hi, US bank has an 'autopay ' feature to pay off one of there credit cards. Once you set that up, you can not go back to see when you scheduled to pay off your credit card. I called into US Bank to CONFIRM that I did schedule autopay to pay off my entire balance when it was due. 

The day the payment was scheduled, US Bank paid my full balance TWICE. This caused me to overdraft in my external bank account ( did not have enough money in that account for TWO payments ). US Bank then charged me interest ( {$11.00} ), 'returned fee charge ' of {$25.00} and more money at my external bank due to the overdraft ( which reversed the fees ) for a 2nd payment that should have never occurred. 

Again, this autopay payment was confirmed via a rep over the phone before it even went through. It paid my statement twice, causing an overdraft in my external account. I get hit with interest charged a returned fee charge for a second payment that should have never occurred.
Product: Student loan

On XX/XX/year>, my Mohela and XXXX XXXX account was accessed without my permission by XXXX XXXX and his assistants. They are not part of the Education system and not authorized to view my account.I was notified by media reports of the breach.
Product: Payday loan, title loan, or personal loan

I took out a loan with advanced financial. After I began having difficulties with them taking out payments whenever they felt like it, I rescinded their right to debit any of my accounts. Verbally, over the phone, in writing, and on their website. They have continued to debit my accounts.
Product: Debt collection

Upon checking my credit report over the end of this past summer I noticed a listing saying I owed {$1500.00}. This amount was supposedly " opened '' originally with a XXXX XXXX XXXX XXXX XXXX XXXX  company on XXXX XXXX, 2014. It is now in the hands of XXXX XXXX. I disputed this debt through XXXX by way of XXXX XXXX and when the dispute was finalized I got notification of it being removed from my report. But right after ... .I noticed that it was listed again as a debt owed to this company. Not only did I not incur this debt myself, but I was in horrible car accident ( that left me XXXX ) the month prior and was still hospitalized when this debt was supposedly opened/started.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I continue receiving threating mail from a debit collector, Bass and Associates, XXXX XXXX XXXX XXXX, XXXX, Arizona, Phone # XXXX, on a bill they say I owe a company that they are representing, in the amount of {$1100.00}.
Product: Debt collection

They constantly call my house and cell phone, they have also contacted extended family members to shame me and share information about my finances.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to address an issue regarding the recent flagging and termination of my PayPal account. I believe this action was taken due to the following three transactions : 1. **Payment received from XXXX XXXX **Date : ** XXXX XXXX **Transaction ID : ** XXXX **Gross amount : ** {$29.00} USD 2. **Payment received from XXXX XXXX **Date : ** XXXX XXXX **Transaction ID : ** XXXX 3. **Payment received from XXXX XXXX **Date : ** XXXX XXXX **Transaction ID : ** XXXX These transactions were payments from clients for services I provided to them. I assure you that all services were delivered satisfactorily, and I have not received any complaints from these clients or any other clients I have worked with. Since I began using PayPal, I have successfully completed transactions with over 200 clients without any issues. 

I am deeply concerned about the termination of my account, as it is essential for my business operations. I kindly request a review of my account and the transactions in question. I am more than willing to provide any additional information or documentation required to resolve this matter. 

Thank you for your understanding and prompt attention to this issue. I look forward to your response. 


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

I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor.

This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

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

I have a National Credit XXXX for XXXX that isnt my debt, and it is hurting my credit. It is only with XXXX, but XXXX hasnt removed it through disputes, and the company doesnt provide proof.
Product: Vehicle loan or lease

I WANT THIS ACCOUNT REMOVED I JUST NOTICE ITS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORTS I WOULD LIKE FOR THIS ACCOUNT TO BE DELETED OFF MY CREDIT REPORTS ASAP THANK YOU
Product: Debt collection

I have been placed in collections on XX/XX/2018 by Midland Funding LLC  for the balance $ XXXX. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt.This is not a request for "verification" or proof of my mailing address, but  request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 {b} that your claim is disputed and validation is requested.I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:- What the money you say I owe you is for?- Explain and show me how you calculated what you say I owe:- Provide me with copies of any papers that show I agreed to pay what you say I owe:- Provide a verification or copy of any judgement if applicable.- Identify the original creditor.- Prove the Statute of Limitations has not expired on this account.- Show me that you are licensed to collect in my state.- Provide me with your license numbers and Registered Agent of Service.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus (XXXX, XXXX, or XXXX) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion {to any/all the 3 major credit reporting bureaus: XXXX, XXXX, and XXXX} requests shall be sent to me immediately.If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion {to any/all the 3 major credit reporting bureaus: XXXX, XXXX, and XXXX} requests shall be sent to me immediately.I would also like to request, in writing, that no telephone contact (including computer generated calls and calls or correspondence sent to or with any third parties) be made by your company to my home phone, cell phone or my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to manage/change information on Experian companies website, unable to reach a human person for help to mange/change information. They have completely and totally blocked the ability to : reach a person for help, offer help in any way, can not view or change information using website. No other company has been this much trouble. XXXX  and Experian both had manageable websites and phone numbers.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle from XXXX XXXX XXXX in XX/XX/year>. I had a pre auth for my Credit Union already. The finance manager insisted that I have my credit ran so he could get me a better rate. I declined. He kept talking and pressuring me and I continued to refuse my credit to be pulled. He had me sign something and said that it said that I wouldn't have my credit ran at all. I ended up with a hard inquiry on my credit report from XX/XX/year>. The credit bureau won't remove it since they believe that it is associated with me car shopping and I do have an open car loan that was opened from around that time period. This dealership ran my credit unauthorized and unlawfully. I have a negative impact on my credit because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently pulled my credit report to look for financing and seen incorrect information that I would like deleted immediately. I have tried to consult with these creditors with no luck.
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 XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

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.

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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : Collection account : XXXX XXXX XXXX, XXXX. {$840.00} XXXX XXXX XXXX XXXX, XXXX. {$1700.00} Inquiries : 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: Mortgage

The bank agreed to a shortsale. The value they want is not realistic and is not giving me a fair chance a short selling my home. The bank keeps delaying the process and the values in the area have gone down since the appraisal. The foreclosure sale scheduled for XXXX XXXX was cancelled but the Judge would only reset the same to XXXX XXXX, XXXX reasoning that it was plenty of time to close and Plaintiff 's counsel ( although there was a short sale approval ) still objected to the sale being extended any longer. They wanted it sooner, even though the short sale department has agreed to stop the foreclosure. They are purposely delaying the short sale so they can take back the house. I 've been fighting with them for a modification since XXXX and we all finally agreed to the short sale. It is obvious that this wo n't close by XXXX XXXX as the prospective buyer is involved in a value dispute with the bank.
Product: Mortgage

I applied for an FHA mortgage with Quicken Loans agent XXXX XXXX and was pre approved signed a contract for a 30yr mortgage onXX/XX/XXXX. His mortgage license number is XXXX. None of my credit score or financial information has changed in the past few days but Quicken Loans changed their offer to a 15yr mortgage todayXX/XX/XXXX and claim that is the only way to finance the home. This is a bait and switch which is a violation of consumer laws. I would greatly appreciate your assistance in fully investigating their practices.
Product: Debt collection

I am willing to pay the month of XXXX due but not XXXX. I called them XXXX week of XXXX and complained that the service was not good when I was watching superbowl and wanted to cancel and ask for refund. The signal on my big screen kept circling and circling. I called again sometime XXXX and wanted to check why its still not cancelled and asked how much I owe for XXXX. Finally the subscription was cancelled sometime XXXX and they are billing me for both months. These people and company are trying to rip off people so they can get more money from their customers. I dont want to pay for XXXX and only XXXX.
Product: Debt collection

Transworld Systems Inc. sent me a collection letter advising me of a debt they claim is mine in the amount of {$510.00}. 

I have been a victim of identity theft and this debt is not mine nor do I know who " XXXX '' is. I 've enclosed copies of my police report of identity theft.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX # XXXXXXXX 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : 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 ) Account Number : XXXX Balance : {$650.00} XXXX XXXX Account Number : XXXX Balance : {$670.00}
Product: Debt collection

contacted company regarding debt.company responded back with just an itemized bill.i have know knowledge of said debt
Product: Credit reporting or other personal consumer reports

A couple days ago I summited a complaint for fraudulent accounts in my name. New inquiry has been added. I asked for a fraud alert to be placed however, I know my letter is still in process of arriving. Please remove the following inquiry. XXXX  ( XXXX/XXXX/XXXX  ) It is fraudulent lease dont hand credit. Thank you. Call my number before handind credit XXXX please also remove the remaining fraudulent inquiries if you havent done so from previous letters. They are still shwing in my report. 
XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification of FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm writing urgently to address discrepancies I've found in my credit report that may potentially violate the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my credit profile, several errors have surfaced, raising substantial concerns about FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information, emphasizing meticulous data handling, retention, and transparent dissemination. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies consolidating individuals ' information based on names or social security number similarities. 
Neglect of prescribed protocols by agencies for managing disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my information has been used in credit applications or other transactions. 
Dispute and request the correction of incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed following FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items significantly deviate from FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, as evidenced by my recent denial for extended credit, directly attributed to errors originating from your agency. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

2. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

3. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 


I trust in your prompt attention to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are fully upheld. 

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

I am trying to buy a house and found accounts with Professional Finance company on my credit report. I do not believe the accounts are accurate but I paid them because Professional Finance company agreed to delete account after payment. 

It is account # XXXX Accounts are still listed on my credit report and are inaccurate
Product: Debt collection

This is a third Party trying to collect debt that was confirmed as PAID to a third party company several years ago and I was assured the last time I sent in proof that this debt was paid that I would never have this problem again. I have sent a copy of the itemized payments from the insurance company to this debtor. I am tired of these companies doing this to me! This was from 2017!!!!! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not listen to your side of the story because you dont certify it to XXXX. But I do certify that XXXX should not push the same credit card over and over again at consumers when they are looking to improve their credit.