23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX - I initiated a call to Global Equity Finance after receiving multiple letters from them advertising their low interest rate to refinance mortgage and get a cash out. My call was transferred to XXXX XXXX, XXXX XXXX, Executive Loan Consultant | XXXX ID : XXXX, Direct : XXXX. Later that day I received an estimate pertaining to my inquiry ( refer to the attached file containing email exchange with Global Equity ). 
XX/XX/XXXX - I was told I need to pay {$480.00} for home appraisal, but that charge will be refunded in case Global Equity is not able to offer me the exact terms we discussed ( 4.875 % interest rate, $ XXXX cash out ). My credit card was charged for {$480.00}. 
XX/XX/XXXX I received a link to review and sign electronic documents. Upon reviewing the documents, I found out that the terms of the loan were different from what was previously discussed, the closing costs were exorbitant, the cash out amount was less, and the interest rate was higher. I have emailed XXXX XXXX telling him the terms were not acceptable and that I will not be moving forward with a loan. XXXX said Global Equity is  still structuring my loan, and since then I received several iterations of the estimates, none of which were acceptable to me. No electronic documents were ever sent to me, and all links where I could access the documents, were quickly disabled, so I never got a chance to get and keep a physical or electronic copy. 
I have requested a refund of the appraisal fee of {$480.00} multiple times by email and over the phone. I have been in contact with XXXX and his supervisor. I have also reached out to Global Equity legal department to no avail. 
I understand that under Regulation Z, I'm entitled to a refund if I do not close, or close and rescind : Reg. Z - 12 CFR 226.15 ( d ) Effects of rescission. 
( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge. 
( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

Appendix c : Paragraph 15 ( d ) ( 2 ).
1. Refunds to consumer. The consumer can not be required to pay any amount in the form of money or property either to the creditor or to a third party as part of the occurrence subject to the right of rescission. Any amounts of this nature already paid by the consumer must be refunded. " Any amount '' includes finance charges already accrued, as well as other charges such as broker fees, application and commitment fees, or fees for a title search or appraisal, whether paid to the creditor, paid by the consumer directly to a third party, or passed on from the creditor to the third party.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XX/XX/LEADBA # XXXX Account Name : XXXX XXXX XXXX #XX/XX/XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I recently wrote a letter to the US Bankruptcy Court, and they validated to me that they do not report to anyone, I sent a dispute letter to each reporting credit bureau to provide me with proof of how this was verified. This information is inaccurate 15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information. 

XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/2023 Reference # XXXX XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XXXX # XXXX
Product: Checking or savings account

On XX/XX/2024 I submit an external transfer for {$700.00} from our Fifth Third checking account to my XXXX XXXX XXXX XXXX Account. FifthThird withdrew the {$700.00} on XX/XX/2024 but instead do depositing the money to my XXXX XXXX account, Fifth Third tried to withdraw {$700.00} form me XXXX XXXX account. Which resulted in {$30.00} in fines because there was not enough money in the XXXX account for the money to be withdrawn. Hence the reason I was trying to deposit money from Fifth Third into the XXXX account. I was only made aware of this when I received an email from Fifth Third on XX/XX/XXXX, indicating that they could not withdraw the funds from my XXXX account because there was insufficient funds. After calling Fifth Third several times and speaking to customer service and the local bank I received no help. I finally was able to speak with the local manager at the XXXX Fifth Third bank, who submitted a dispute on XX/XX/XXXX, regarding this transaction. Dispute Case # XXXX. I was then told it would take 7 to 10 days for the bank to investigate this and give me my money back. In the meantime, I am out {$700.00} for going on nearly a month. At this point, I feel like Fifth Third has stolen {$700.00} from me. Additionally, that {$700.00} was to pay our HELOC loan with XXXX thankfully I was a month ahead on the payments or I wouldve missed the payment which wouldve created a whole new slew of problems. I do not feel I should have to wait 7 to 10 days from the XXXX when the money was stolen from our bank account on XX/XX/XXXX fifth third bank should expedite this investigation and give us our money back
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  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX
Product: Credit card

Dear Discover XXXX, I am writing to formally demand payment of my Discover XXXX bonus {$11000.00} ( please see attached ), which I believe has been wrongfully denied. My account XXXX was closed by Discover on XX/XX/XXXX prior to the end of the XXXX period XX/XX/XXXX ( please see attached ), despite being in good standing with no late payments, payments in full, and no violations of your terms. 

Upon account closure, I was informed that I am ineligible to receive the Discover XXXX bonus due to " my account status - closed ''. However I never closed my account or requested it to be closed. 

Discovers actions in closing my account appear to be an arbitrary and unjustified decision, specifically timed near the end of the XXXX period, resulting in the forfeiture of my accrued bonus. Given that I have met all the requirements for the promotion in good faith, Discovers refusal to honor the promised Match bonus constitutes : Unjust Enrichment I made significant purchases and generated transaction revenue under the reasonable expectation that Discover would honor the promotional terms. 

XXXX XXXX XXXX Closing the account just before the XXXX periods end suggests a deliberate attempt to avoid fulfilling the advertised promotional offer. 

Breach of XXXX The promotional terms were ambiguous regarding closures initiated by Discover, such an interpretation XXXX not hold up under legal scrutiny. 

Discover XXXX of {$11000.00} was supposed to be paid out to me via XXXX or a physical check on XX/XX/XXXX. Since I have not received my Discover XXXX bonus, as a resolution, I am demanding full payment of my Discover Match bonus in the amount of {$11000.00} via XXXX or physical check sent to my address on file, within 14 days of receiving this letter. If Discover fails to honor this request, along with this formal CFPB complaint : -File a BBB complaint regarding Discovers unfair business practices. 
-Report this issue to my XXXX Attorney XXXX XXXX for potential violations of consumer protection laws. 
-Pursue legal action, including arbitration or litigation, to recover the full amount owed. 

I expect a written response from Discover no later than XX/XX/XXXX. If I do not receive a satisfactory resolution, I will escalate this matter accordingly. 

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

XXXX XXXX XXXX XXXX {$2700.00}. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX XXXX XXXX XXXX ) if I had additional questions. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX XXXX XXXX XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and Transunion ) and XXXX XXXX XXXX XXXX How is that possible if they CANT validate with me the consumer but validate with the credit bureau .
Product: Credit card or prepaid card

Capital one never reached out for verification or did an investigation. Capital one said we can see no evidence of fraud on this account and we are not talking any action at this time. So we closed this case and arent doing any more research.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute and request investigation with late payment reported by Barclays. I have had this issue with this company numerous times in the past. I set up the automatic payment method through their application made possible through the android store. Payments would go through automatically as planned but every few months the payment would not be automatically deducted and would occur late fees, I would call and they apologize and credit the late fees, I again set up the app and continue making automatic payments. The app went through and update and my payment was late again for for the month of XXXX unfortunately I did not catch it in time to call before the 30 days were up. I am not asking for any type of credit but during this Covid 19 pandemic I should not have to worry about a giant companies app not properly working and causing a negative reporting on my credit, while we try to not loose our homes and jobs due to current situations. I ask that they remove the negative reporting to my credit. If you have any questions I can be reached at XXXX to answer any questions
Product: Payday loan, title loan, or personal loan

This company charged off/sent my account to an attorney in XXXX of XXXX.. I received a letter from the attorney approx XXXX XXXX XXXX. I immediately called cash call because I was on a settlement plan and I made the XXXX XXXX payment the end of XXXX, I had to go back and forth with them for almost 2 weeks and submit proof pf payment etc ... finally on XXXX XXXX XXXX they claim that they got the account back from the attorney and I could start payments again. I got an email from them on XXXX XXXX at approx XXXX XXXX. This was XXXX. and It was a Saturday. I made the payment XXXX XXXX which was a Sunday and I thought we were starting payments from that point. I have been faithfully making payments ever month since then. I pay via money gram and I pay {$6.00}. In XXXX XXXX I happen to call and they said my account was charged off ... I said they was impossible and that was a mistake. I thought it was the same mistake from XXXX XXXX and that the rep was confused of they never fixed the mistake. So she said she saw the problem and it would be resolved ... I never heard anything since then I 've just been making payments every month. I pulled my credit report and it stated that the account was charged off ... I called because I was so shocked ... .Again I have been making payments faithfully every single month hoping to try to avoid charge off and bankruptcy only to find out this company has charged off my account off and I have been making payments faithfully ... They claim that when they talked to me on XXXX XXXX in the evening that I was told I had to make the payment that day ... Again this was Saturday and XXXX evening ... So they payment was made in less than 24 hrs and they are claiming that because of that the account was charged off ... remember they have been taking payments monthly and I have never received anything in writing stating the account was charged off ... They are taking advantage of me and paying games.. They are a predatory lender and I need some help please. They know that I have has some financial problems so they are taking advantage of me ... Please help I am so stressed out and do n't know what to do.Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with Equifax, XXXX, and XXXX. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.
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. XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX 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 or other personal consumer reports

I've been reaching out to Experian, XXXX, and XXXX throughout the year. I been trying to get names, addresses, accounts, and inquiries removed that are inaccurate.
Product: Student loan

Hello, I am writing to express my dissatisfaction with how Navient allows its customers to change their payment amounts. Recently I increased my payment amount to more than the minimum payment, however following a restructuring in my pay I wished to change it back to the minimum payments. When attempting to this online, I found that I was unable to change the payment amounts. There was no method to either increase or decrease my payment amounts. Once I was able to speak to a representative ( Navient Company ID : XXXX ), she said " The system wo n't allow me to change the amounts, we will need to put in a request to have the amount changed. '' When I asked if I could de-enroll in auto-pay and then change the amounts she in informed me that I was receiving a .25 % lower rate for using auto-pay. She informed me that the matter should be resolved by XX/XX/XXXX, and that my XX/XX/XXXX payments should be at the lower amount. I asked for that in writing so I could have a record, and she informed me that they could not do that until the matter was resolved. In the past, I 've found Navient 's promises to be empty and I do not see '' Should '' statements by Navient employees as being worth the breath to speak them. So my options were to hope that the matter was resolved and I would not be over charged on my XX/XX/XXXX payment, or I could de-enroll in auto pay and have my rate increased. It sounds like no real good option for me the customer. I am not asking to pay {$0.00}, I am asking to make the minimum required payment. I feel I should be able to adjust my payment amounts up or down in the same way I can easily do with my personal bank and personal credit cards ( which I can adjust simply and easily to allow for peace of mind and flexibility to go with my unique income situation ). Navient unnecessarily obfuscates and purposefully creates complicated systems to take advantage of people like me who are struggling under the burden forced upon him by the education system and predatory companies like Navient and XXXX XXXX. I am upset that I do n't know the status of my payment next month, that I can not budget around other bills, rent, food, etc because of an over complicated system forced on me by a company trying to take advantage of me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX