23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My wife and I agreed to a loan from this company to help us get out of debt and pay off some creditors quickly. We were referred by a sister company, Freedom Debt, whose program we were in at the time. While reviewing documents of the loan with the rep from XXXX  XXXX he went through everything at a pretty rapid pace until we got to the TIL ( Truth In Lending ) where he slowed way down. He covered the payment, the loan amount, the fees and made sure that we understood that the outstanding credit card debt was based on estimates and the amounts could change which could affect the maturity date of the loan. The fees and costs other then the actual credit card payoffs we understood would not change. After payoffs were negotiated with the outstanding credit cards the loan funded and we received the final numbers from the company. A couple of the cards were a bit higher then the estimated payoffs but we were ready for that and it was not an issue. What is an issue is that additional fees were added as well. Those fees are almost {$3000.00} more then what we were quoted from the TIL. I called customer service immediately and was told that the information was in the documents and available all the time. Again, the documents were explained to us page by page by the rep who signed us up for the loan, and as stated earlier everything with exception of the estimated payoff amounts and maturity date would remain the same. The additional fees were not mentioned by the rep or the time was not spent to confirm our understanding. Buyer beware, this product is costing us more then the credit card balances combined when we entered the program.
Product: Checking or savings account

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX : Huntington Bank Customer Checking XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, EMBEZZELEMENTS, CRIMINAL EXTORTION, MISREPRESENTATION, MURDER Parents Estates XXXX COUNTY XXXX OHIO, XXXX XXXX XXXX XXXX Father LIVING, Mother XXXX XXXX XXXX XXXX COUNTY Estate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Mascot XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX Bank {$300.00} US Treasury XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio Commute Huntington Overdraft Fees Food Items, Substitute Checks Ohio Court of Appeals Fifth District Court Filings. Experience XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX XXXX XXXX XXXX University
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I got scammed out of {$320.00} of cashapp and I call and texted them about it and they told me that they cant do anything about it and lied to me about it so they didnt care and didnt listen to me at all.the first transaction it was {$300.00} dollars then the second transaction was {$26.00} dollars.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : Unknown - Date of Charge Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I called all three credit bureaus between XXXX and XXXX to remove outdated information from my credit reports. However, the information has not yet been updated. I am writing to request updates and corrections to my personal information on file with your company. Please make the following changes to my profile : - Update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
- Correct my name to : XXXX XXXX. 
- My only valid Social Security XXXX is : XXXX. 
- My correct date of birth is : XX/XX/year>. 
- My sole employer is XXXX XXXX XXXX. 

Additionally, I request the removal of all telephone numbers and my employer from my credit report. Please remove all other addresses from my report, as they are not deliverable by the XXXX. Postal Service and are inaccurate according to FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Line of Credit as of XX/XX/XXXX went delinquent and charged off on XX/XX/XXXX. Account has resurfaced with a different loan number and different amounts but same original Date opened. XXXX XXXX XXXX XXXX. is falsely putting a new charge off date of XX/XX/XXXX when account was already charged off on XX/XX/XXXX clear evidence on the credit reports. Needs to be removed permanently off all credit reports. Please see rules on charge off dates to be removed permanently : No payment agreements ever made, ask for written documentation. 
According to Fair Credit Reporting Act ( FCRA ) Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumer 's credit report for up to 7 1/2 years. To determine when an account will be removed by the CRAs, Add 7 years to the date of the first delinquency. The date of the first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

A charge-off stays on your credit report for seven years after the date the account in question first went delinquent. ( If the charge-off first appears after six months of delinquency, it will remain on your credit report for six and a half years. 

I Contacted XXXX XXXX Bank XX/XX/XXXX, and disputed Credit reports with Equifax XX/XX/XXXX. No results. I contacted recently Arizona Attorney General on XX/XX/XXXX and XXXX XXXX Bank ignored them. They are sending 2nd requests again. 

Collection accounts can remain on your report for seven years and 180 days from the original delinquency. Original delinquency is XX/XX/XXXX and Charge off is XX/XX/XXXX not XX/XX/XXXX. Loan has been in recovery since XX/XX/XXXX. I have all documentations showing this charge off of XX/XX/XXXX on credit reports and its delinquency. 

XXXX XXXX XXXX XXXX XXXX said they can put what they want on the credit reports.
Product: Mortgage

GRLoans runs a commercial that advertises an interest rate of XXXX apr. However, the ad never states the term for the advertised rate. This practice need to stop. It is unfair to every other lender in the nation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i made this clear for 60 days straight with XXXX 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On XX/XX/23, someone was able to open a Capital One Performance 360 Savings account in my name. I have already frozen my credit with XXXX, XXXX, and XXXX. I had also placed a freeze with XXXX XXXX ( initiated XX/XX/23 ). 

Please stop allowing anyone to an open account in my name. This is the fourth time this has happened in the past year or two ( x3 with XXXX XXXX XXXXXXXX ). This is ridiculous. Is there nothing I can do to protect myself? Every time this happens it costs me hours of time on the phone.
Product: Bank account or service

I am joint owner on my XXXX year old daughter 's saving and checking account at Navy Federal Credit Union only for the purposes of assisting her when needing to handle transactions as it pertains to her college education. I found out today XXXX/XXXX/15 that this financial institution transferred {$470.00} from my personal account I have with them to my daughters overdrawn account. When I inquired as to the reason I was told that a signed disclosure justified the transfer. I have no issue with the signed disclosure. My issue as explained to the representative was the amount by which NFCU allowed my daughters account to become overdrawn by. The amount of money taken from my personal account to cover this overdrawn balance is a hefty amount for me and was to be used to pay my own personal obligations. I had my daughter pull up her account information and the account was allowed to go into overdrawn status since XXXX 2015 and with her working on a part time basis she paid for these discrepancies. The charges were for purchases she made in addition to a slew of overdraft protection fees that were allowed and charged. This current policy and procedure has impacted me today in a negative manner and had I not looked at my personal account when I did, I would not have had a clue the funds had been taken. My daughter has been taught how to properly maintain an account and knows if she does not have the money to do without. I say this because I want to make the point that parents do teach their young adults to be responsible but it is rather difficult when you have financial institutions who allow young adults to take that extra mile. What regulations are there if any that would protect the consumer by placing reasonable limits on the amount of allowable approved transactions on an account that is already in overdrawn status? I will be filing a second complaint regarding the same institution about a credit card that my daughter was allowed to open while having no job and being a XXXX student.
Product: Mortgage

XXXX XXXX XXXX was not the initial mortgage company that I had when I purchased the house. I was having problems with my payment after being downsized in XXXX. Caught up until XXXX. I contacted XXXX XXXX and explained the problem. They said they could help. With a modification. Sent papers for me to complete. But instead of helping me they increased payment more than double.and added an additional XXXXXXXX XXXX  on to my mortgage In XX/XX/XXXX. I wanted to know where the additional XXXX came from. because I couldn't keep paying this high amount. And wanted this corrected IWhen I requested another modification. They sent documents that I didn't think they wanted to. Because it had documents shwing that they refinanced my home without my knowledge was that wa assigned a worker. I received 3 different letters naming 3 different people. XXXX of XXXX I was sent a letter saying that they had no program to help me at the time. .The pay off date for my mortgage is XXXX and I am sure I won't be alive. I am XXXX XXXX XXXX now.
Product: Checking or savings account

I had an issue with Current bank promising perks with their Premium account. They charge {$4.00} for the account, and swear you'll get fee free ATM 's and the ability to load your card at XXXX locations. The ATM 's they mark in their ATM locator are not fee free. You can not load money, only withdrawal. I requested to have my account closed on XX/XX/2021. I was told on XX/XX/2021 that the process to close my account was underway. XX/XX/2021 and I am receiving correspondence about transactions on my very active and not closed account, an account I took all of my money out of so I could close it. Any transactions made on it now are sending me into negative, affecting my already low credit score. I was lied to by Current, and am now locked into this paid Premium account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2020 I bought two bunkbed sets for my grandchildren from XXXX XXXX XXXX and XXXX XXXX Florida I wanted to make monthly payments I put {$1100.00} down apparently when I bought the furniture I was buying through this deal they had going on which I did not want and I let them know plain and clear I want to make monthly payments Ive been making those monthly payments I am current with those monthly payments XXXX fine furniture opened up a synchrony card in my name and put that 90 day interest on that card it started out as XXXX then it went to XXXX now I wan na say its probably about XXXX. These companies steal from the consumers
Product: Credit reporting or other personal consumer reports

I just XXXX my credit report and I seen XXXX hard Inquires on my account one from XXXX  loans and XXXX from XXXX XXXX card I contacted XXXX and experian they had me reach out too you all I did not authorize any one too pull my report or create a hard Inqiry which has made my screen drop tremendously also I got a letter from XXXX XXXX XXXX services saying my account is in a data breach and offering free indemnity theft protection
Product: Credit card or prepaid card

I have a credit card with Fifth Third Bank. XX/XX/2021, a charge appeared on my account for {$190.00} from a creditor XXXX XXXX XXXX XXXX for an annual subscription. First I never use my credit card when dealing with online merchants. I always use XXXX because they screen all charges and notify you immediately when a charge is made to your account. 

I disputed this charge and was told that the merchant had my IP address therefore the charge was valid. I informed the Fifth Third Bank that the XXXX address they presented as justification for the charge was not my IP address. 

Additionally, I asked for additional proof, whether the company used by XXXX code? No response. Send me copies of any certificates this company issued to me? I never heard of the company or visited their website until Fifth Third Bank gave me the website. This merchant has presented no proof that I ever contact them. I have nothing to send because I never contacted this merchant. The merchant has sent them nothing to verify this charge. 

I asking that the charge be removed and they say it is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card reporting on my credit bureaus as a derogatory account. This account was included in my Chapter XXXX bankruptcy in which I listed it in my bill of matrix. This matter should have been removed once my BK was discharged. It is still showing on my report
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is reporting inaccurate information on my credit report that's in violating of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am submitting to formally dispute the following inaccurate information that appears on my credit report. These items are incorrect, and I request their immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within 30 days. 
XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed : XXXX XXXX Account Number : XXXX Has been requested to be removed from personal credit reports for over a year. Numerous attempts have beeb made with no success. The information being reported is not valid. Additionally the account is currently litigation ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, Case No. XXXX XXXX in XXXX County, Missouri. 

The reporting agency and the alleged account holder has been contacted repeatedly regarding the removal of the account from report, almost on a monthly basis. 

The reporting agency has not provided requested information to validate the information as accurate. Items requested have been : -Proof of your right to to report this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature Instead have only provided : - Account history, including any charges added for collection activity. 

Which by no means validates a debt as accurate, but instead continues to hinder my rights under FCRA. 

The alleged debt also has claimed to be reposed by the account holder, but the account holder and the reporting agency have failed to provide information regarding repossession or Bill of Sale. 

Attached are letters of communication sent to all parties.
Product: Credit reporting or other personal consumer reports

I am speechless. Errors on my credit report are damaging my credit reputation. Transunion is in violation of the FCRA by reporting these inaccurate records.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check and on XX/XX/XXXX Chase Bank put a hold on my check, I called and sent XXXX messages. I was told that an extended hold was placed on my check, and that I would receive an explanation via Chase messages, I never received anything and I had to keep calling for them to remove the hold manually and when they agreed they did it because they could not figure out why a hold was placed. 
On XX/XX/XXXX I deposited a check and noticed that no funds became available. 
I called, tweeted, and went into a bank, and was told over the phone by the holds department that they have the right to place a hold on my check for no reason, and they do not have to tell the customer why a hold was placed on their money. Today is XX/XX/XXXX and a hold has been placed on my check for no reason. I have worked for the same company for about 11 years, and deposited my checks bi-weekly for around 11 years. My account is in good standing, and nothing has changed with my employer 's checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent over a letter to Transunion Credit Bureau to remove hard inquiries on my credit report that I did not authorize. These accounts have been removed from XXXX and XXXX. 

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

Transunion XXXX XXXX XXXX  XXXX XXXX, PA XX/XX/XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my credit report with incorrect/missing info. The accounts are listed below : XXXX XXXX ACCT and XXXX XXXX Transunion Acct XXXX XXXX ACCT and XXXX XXXX Transunion Acct More specifically, I am referencing the fact that you are reporting an incorrect high balance, not applying my payments correctly, reporting old debt as new, an incorrect account number, an undated late pay, a missing field of [ 81 month account payment history ], the wrong account type, an incorrect credit limit, a late pay after account was closed, an inaccurate date of last activity, an inaccurate date of last update, an inaccurate reporting date ]. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Transunion and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. Attachments : XXXX XXXX payment history from XX/XX/XXXX- XX/XX/XXXX. The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : XXXX XXXX payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. 

Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.