23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XX/XX/2018, I purchased a new XXXX XXXX XXXX  and financed the transaction with XXXX XXXX XXXX XXXX ( " XXXX  '' ) to obtain an additional discount on the vehicle. The loan did not have any prepayment fee or other restriction, so in XXXX, I refinanced the remaining balance due with State Farm Bank " SFB '' ), working through my XXXX XXXX XXXX agent that handles the insurance policy on the truck. I applied for the loan on XX/XX/2018 and SFB funded the loan on XX/XX/2018, sending a check to XXXX to repay that loan ( which was posted as payment in full by XXXX on XX/XX/2018 ). After my first payment of {$560.00} to SFB, due on XX/XX/2018 and posted to my account by SFB on XX/XX/2018 ( the date received ), I looked at my account on the SFB web site to see how the payment was applied. To my shock, SFB charged interest on the loan from XX/XX/XXXX ( the date I applied ) rather than from the date SFB funded the loan. I believe that this practice is illegal, and is certainly unethical. After several conversations with representatives within different levels at XXXX, XXXX  refused to reverse this illegal accrual of interest. The amount of excess ( i.e. illegal ) interest accrued is {$37.00}. This may not seem like much but the result is that the principal of the loan is thereby overstated by {$37.00} and will be for each monthly payment for 58 months, resulting in substantially more interest than is allowed by law. In addition, nowhere did SFB disclose in the loan application that interest would accrue from the date of application. If SFB had done so, I would not have borrowed the funds from SFB. If SFB has done this to me, it is likely that SFB has done this to thousands of other borrowers who do not have the financial acumen to see that SFB is defrauding them as well.
Product: Vehicle loan or lease

Yes I extended my credit to the business which submitted application which is a legally binding contract and was denied. First I'm the original creditor extended my credit and can't be denied there was a finance charge which is to access my credit for me. On top of that I'm was treated very ruefully and unexceptional being denied a right that is lawfully mine. They have willing and knowingly lied and gave misleading information. This has affected my well being and livelihood I ask this be corrected as the law deems.
Product: Credit card

TD Bank USA/ Target reports acct # XXXX, as a charge offb/bad debt of an amount they claim I owe of which you claim {$1100.00}. I have sent two certified letters to Target requesting validation of debt. The first certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16 and the second certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16. Target noted on my credit reports that I was disputing but Target failed to provide a validation of debt. Target claimed to provide a validation of debt by sending copies of old credit card bills but DID NOT provide a contract bearing my signature. No such validation of debt was ever furnished to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Solar Mosaic erroneously reported the account type as a mortgage as noted by XXXX instead of XXXX. The company agrees that the account type should be reported as a portfolio type = installment I and account type 9A secured home improvement. Further, the XXXX account does not constitute a lien on real property, this information can be found on section 7 of the loan agreement. The loan is secured by secured by a lien only on the Solar equipment itself we do not file a lien against the home.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with Citibank ( acct. number XXXX ) based on an offer of a cash payment for a certain level of deposit into a new account. The offer was prominent on their website encouraging the opening of the account ; the offer is still widely displayed on their website today. The required deposit of {$75000.00} was made for a {$1000.00} cash bonus. On XX/XX/XXXX, I contacted Citibank and was told be an associate that the required amount of deposit was made in the required time frame for the offer, that the correct " code '' had been entered into their system, and that the payment should have been made. The associate opened an inquiry, XXXX. On XX/XX/XXXX I received notice that there is not such a promotion at that time, even with the same promotion being offered today! Classic bait and switch. I am targeting that the account be closed at the end of XXXX.
Product: Debt collection

This alleged account keeps getting removed and put back on my credit report, however, they have failed to provide any documents connecting me to this account NOR have they responded to any of my request for validation
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion employee informed me to send in a letter of all unauthorized inquiries and they will be removed without any issues. I send in the letter like requested and waited 30 days for a response. I called up to transunion and was told I would have to investigate myself pretty much and theres nothing they can do about it. They did not contact me, they lied to me and now telling me one thing and doing another. This is horrible and they make it hard for innocent people like me to get unauthorized inquiries they agreed over the phone to take off but never did removed. Management nor workers are trying to cooperate with cfpb law to contact consumers before 30 days and giving the runaround and listing unauthorized inquiries on peoples credit reports
Product: Student loan

I filed a previous complaint with CFPB a few weeks ago regarding my student loan that was transferred servicers from XXXX to XXXX. I had a loan modification several years ago through XXXX XXXX. My interest rate was reduced to 0 %. When my loan servicer was changed from XXXX to XXXX, my interest rate increased to 1 %. I filed the complain with CFPB, XXXX came back and said that there was an issue and all loans that were at 0 % increased to 1 % but that this issue has since been resolved. They said that my interest rate was back at 0 % and the issue has been resolved but I went on their website just now and my interest rate is still listed as 1 %. In addition, my payment history shows money applied to interest.
Product: Debt collection

I fell into financial ruin in 2020 due to losing my job on more than one occasion and having to move out of my parent 's house due to a very toxic living situation and a XXXX XXXX issue. My bills more than tripled when I left my parent 's house and due to no job and little income, I was forced to choose which bills to make a priority and pay those. I have received countless emails and my extended family has been receiving phone calls. They even contacted my mom 's past places of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how many disputes I'm going to make, by mail, by email, customer service and they don't take away those accounts that aren't mine, I've been dealing with this for two years and nothing, very bad service
Product: Credit reporting or other personal consumer reports

My credit was used fraudulently. I have filed an Identity Theft report again, as requested by XXXX. I have submitted it to them via mail, however, they continually send me letters stating that they won't process the dispute because they don't think it's me submitting the letter along with the Identity Theft report. I am here to tell you that it is me. I am writing this correspondence because my last communications that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all went unanswered. Im sure you understand that credit bureaus are mandated to follow the Fair Credit Reporting Act and under said act, you are REQUIRED to respond to all disputes and/or requests for verification of compliant reporting within 30 days. You have FAILED to do so and are now in VIOLATION of the federally composed Fair Credit Reporting Act. Per 15 U.S. Code 1681i ( 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 consumers 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX  '' Acct # 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: Debt collection

XXXX XXXX XX/XX/year> Re : XXXX To : Credit collection services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX. 
I am responding to your communication about a debt youre trying to collect. You contacted me by Mail and identified the debt of {$440.00}. 

Please send the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed Details about the age and amount of the debt including a copy of the last billing statement from the original creditor A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest The date the original creditor claims this debt became delinquent Whether this debt is within the statute of limitations and how that was determined Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card

I have a credit card from the retailer Gap on my account. I did not apply for a credit card and have not used a credit card for them. Somehow they are showing up on my credit report.
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 Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

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 u.s.c 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX : # XXXX, DEPT OF EDUCATION : # XXXX, DEPT OF EDUCATION/XXXX : # XXXX, DEPT OF EDUCATION/XXXX : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, DEPT OF EDUCATION : # XXXX 15 u.s.c 1681 section 602A States I have rights to my 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 other than records of conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The Bank of America communicated to me that it had received a letter from the XXXX XXXX XXXX and that I am subject to withholding on interest and dividend payments. 
I believe this letter is in error for the following reasons : -No communication from the XXXX XXXX XXXX stating that I am subject to interest or dividend withholding -Inquiry into the XXXX XXXX XXXX . I am in good standing and dont owe any taxes, etc. 
-None of my other financial institutions ( XXXX , XXXX , XXXX , etc. ) have communicated that they have received notification from the XXXX that I am subject to withholding interest. 

I attempted to resolve this issue by calling the phone number in the enclosed letter ( XXXX ) on XX/XX/2020 and XX/XX/2020. Both representatives indicated the following : -They both could not find anything on file -The second representative seemed to change his mind and then say that there was something on file but wasnt very specific and suggested I call the XXXX. 

I have sent a letter to BoA on XX/XX/2020 and have yet to receive a response. 

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

In accordance with the fair credit Reporting act XXXX  XXXX XXXXXXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX  XXXX : Account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian routinely emails me with what appear to be " bait & switch '' alerts saying that something in my credit file has been compromised. However, when I contact the company, the company changes their message and sends me to a dead end XXXX call center who will not share information about them or the company so I can seek resolution of my issue. For example, they recently told me that my drivers license was compromised on the dark web. The details they provided are : " We found your driver 's license number on the Dark Web. '' Potential site : Unavailable*, most of a driver 's license number and the state in which it was found or issued, I assume. I contacted them and asked, if you are sending me an alert then you must know where you found the information on the dark web and they responded by saying, it is impossible to trace. This is false and misleading advertising meant only to trigger me into buying additional protection services. If you found it  then by logical extension you know or knew exactly where you found it and as such should be able to chase, prosecute and resolve.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

False Credit Reporting -- -- Subject-Conflict of interest-banking Regulations. Short Sale of Home with Agreement from XXXX XXXX. 
I purchase a home in XXXX XXXX development in XX/XX/XXXX with the intent of selling my home in XXXX, SC. In XX/XX/XXXX, I had to stop the bleeding and made an agreement with the VP of XXXX XXXX to sell the house, pay off first mortgage, pay off XXXX of home equity loan to XXXX and sign a personal note for the remaining balance of {$100000.00}. Because of my income/debt ratio ( retire-income only IRA ), I could not get a jumbo loan with any banks in XX/XX/XXXX. The developer and seller of the home was a Board Member of XXXX XXXX and used his influence to obtain am appraisal and loan for me with XXXX. The mortgage was for {$750000.00}. The rate was 4.75 % and payments drafted from my Checking Account at the same XXXX XXXX. In XX/XX/XXXX, I was able to get a XXXX mortgage for XXXX and XXXX carried the home equity loan for {$290000.00} again at 4.75 % -- interest only. XXXX XXXX ( XXXX VP ) agreed to a short sale if I signed a personal note for the balance. I agreed to do this since he promised there would be no negative reporting to the credit unions. This is my problem. Each month, they report false information on my account such as 1. ) turned over to collections XXXX, 2. ) XXXX or late or missing payments, and 3. ) showing both the original loan and personal note for the balance is in default ; even though they auto drafting from my checking account at their bank each month since XX/XX/XXXX. Their reporting has prevented me from obtaining any refinancing on my home or financing for a new home. This has caused me substantial financial harm. The CEO verbally agreed to correct the reporting ; but did not do it or explain why ; and now he refuses to talk to me. I assume it may be because of a potential conflict of interest by a the Board member- a local developer that sold me the house and obtained the loan. Without a request from me, XXXX decided to write off {$10000.00} so the personal note would be just below {$100000.00}. Closing cost increased the amount to {$100000.00}. He did this instead of lowering the interest rate on the personal note that I had requested. I can not understand any other reason for their actions if not a conflict of interest-banking regulations, etc. I did not try to just walk away from the property in another state when that was the common thing people were doing then. I am trying to prevent filing for Chapter XXXX which is what their action may cause ; and they would be the last in line to pay -- maybe with all the interest earned maybe nothing. I do n't understand why they have taken this position. This is my reason for filing a complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX we ordered 200 face masks from XXXX for {$190.00}. 

On XX/XX/XXXX XXXX ( under the name XXXX ) emailed us the shipment was on the way. 

On XX/XX/XXXX we emailed XXXX to cancel the order. On second look we felt the website was bogus and lacked basic track your order here screen input, no chat, no phone number. 

On XX/XX/XXXX XXXX  emailed us the USPS shipping label number. The USPS tracking website showed the Label created, not yet in system. ( attached ) On XX/XX/XXXX we disputed the charge online with Citicard as the shipping label showed created not shipped, the merchandise was not received and XXXX did not respond to our email. 

On XX/XX/XXXX Citicard emailed XXXX responded and that response would be provided to us in 10 business days, XX/XX/XXXX. Citicard did not provide it by this date but on XX/XX/XXXX. 

On XX/XX/XXXX Citicard charged our account for {$190.00}, reversing the temporary credit. 

On XX/XX/XXXX I emailed Citicard and demanded the {$190.00} be reversed. 

On XX/XX/XXXX Citicard provided us a letter dated XX/XX/XXXX with XXXX response via XXXX XXXX Citicard states to dispute this charge Documentation such as a confirmation email that proves you cancelled the transaction with the merchant. We provided such documentation. 



OUR COMPLAINT Citicard relied completely on XXXX XXXX. response and ignored the fact we canceled the order in an appropriate timeframe. Internet vendors, per FTC rules, can not demand customers wait more than 30 days for their merchandise. Citicard relied entirely on a shipping label created by XXXX but never shipped. 

We canceled the order within 3 days, notified Citicard within 11 days of the order and did not hear back from Citicard with definitive information untilXX/XX/XXXX 38 days from the disputed charge filing. 

In our XX/XX/XXXX and 15 emails to Citicard we stated XXXX is not entitled to payment as merchandise has not been delivered, no communication from XXXX whatsoever, there was no longer a XXXX  website and the USPS and XXXX Mail tracking numbers were nothing more than labels created but not in their systems. 

Demand is hereby made Citicard refund our {$190.00}.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX