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

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 


Also this collection agency contacted me via mail harassing stating that I am ignoring them. I do NOT HAVE A WRITTEN CONTRACT WITH THEM SIGNED BY ME. they have not produced one at all nor gave details of this alleged debt as in why they have the debt in the first place. They didnt notify me of them purchasing an alleged debt or any other required information so they are in violation and at risk of being sued for {$1000.00} per violation Accounts XXXX XXXX  XXXX and XXXX XXXX
Product: Vehicle loan or lease

I've already filed a complaint about erroneus amounts that this company has taken for interest. Last months payment they took the full {$900.00} I paid for interest. My rate is already incredibly high at 18.13 % I make multiple payments a month and before the payment is due. Even if I didn't pay the XXXX until the due date. The daily interest would have been {$19.00} per day, times that by 30 days in a month, the interest for the whole month should have only been around {$570.00}. I contacted them multiple times before filing complaint and still have not been contacted, and just being told accounting is aware and " looking in to it ''. 
I at least do biweekly payments. I just paid {$450.00} of my {$890.00} payment due on XX/XX/18. It's only been 10 days since my last payment of {$450.00}, ( which, as I already they applied that and 2 other payments, totalling {$900.00} for interest ) {$290.00} was taken for interest. Since they kept my whole monthly payment last month my total principle was still XXXX. So where did they come up with that number it would still have been a daily interest of {$19.00} 10 days since last payment. Would only be {$190.00}. I have know clue how they come up with the numbers they do, and they don't even contact back to offer some type of explanation. I contacted them again on the XXXX and told them I've already filed one complaint and that I will be contacting a lawyer if I did not hear from them. Its been over a month since I initially contacted them about the previous situation! Still nothing not even a reply besides the automated email saying they recieved my complaint message. I'm a single mom with a mortgage and other bills, i have XXXX jobs and work XXXX a week to cover them. I'm pretty decent with math and the only payments that are correct if you break down the calculations where the first 2. It's very frustrating feeling that my hard earned money is just being taken and not understanding where it is going. Please help.
Product: Credit reporting or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Product: Debt collection

I'm writing to dispute some information that I think was obtained through identity theft on my credit report. I would like to make it clear that this letter and the supporting documents that are attached are truly from me, and I certify that the materials are authentic. 

I understand how important it is to give precise information when challenging issues on my credit record and how serious the situation is. As a result, I would like to verify both my identity and the authenticity of the documents I am sending for your consideration. 

In addition, I contest the following credit report accounts that I think are the product of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I ask that you look into these accounts right now and take the appropriate action to correct the errors on my credit report. Additionally, as required by law, I politely request that you keep me informed on the developments of your investigation. 

I sincerely tell you that the information contained in this letter and the documents it is attached with is accurate, and I accept full responsibility for it. I value your quick response to this issue and your help in figuring out this identity theft situation.
Product: Credit card or prepaid card

On the XX/XX/2023 i filed a dispute in regards to my XXXX XXXX prepaid card because my card was compromise by someone else then i had to request for a brand new card which i just received but I'm yet to receive the funds which i disputed on and still waiting for bank of America to give me a refund, please kindly get in touch with them so that they hasten my dispute on time.
Product: Student loan

Systemic bait-and-switch operation with SoFi and offered interest rates. <P/>In XX/XX/XXXX, I applied for a refinance loan of {$26000.00} on the remainder of my Federal Student loan balance. In the application process I provided my requested information including my current annual income of {$120000.00}. They pre-approved me for a 5 year fixed loan for the amount requested at a rate of 3.99 %. I applied for the loan and provided requested pay stubs for income verification purposes. These paystubs from the end of XX/XX/XXXX showed year to date income of {$51000.00} which I used to calculate the annual income I submitted with my application of {$120000.00} scaled for 12 months. None of this income was bonus or commission type income and was all directly related to my profession and work as a XXXX XXXX. <P/>SoFi told me that they would not accept this income for verification purposes implying that a portion of my income would be treated like bonus or commission type income for which they ask 2 years of prior XXXX statements. Specifically, approximately {$40000.00} of my current annual income out of the {$120000.00} is regular XXXX reported taxable income ( not XXXX ) from picking up extra shifts at the XXXX ( not overtime and commonly referred to as " moonlighting '' in the XXXX XXXX ). I do n't believe a reasonable consumer would believe that this is bonus or commission type income, and there is no information available that would suggest this type of income would be treated differently for verification purposes in the application process ( SoFi does specifically mention bonus or commission type income on their website though ). <P/>SoFi then tells me that they would no longer be able to offer the rate of 3.99 %, but that the good news was that they were still able to conditionally approve me at a new 5 year fixed rate of 5.115 % ( 28 % higher than the 3.99 % rate they had pre-approved me at ). <P/>At that point I was thinking, oh well, SoFi as a private company can set whatever standards it wants for its lending as long as not discriminating or breaking other laws. But then I read other reports on the Consumer Financial Protection Bureau website and found that many others reported similar experiences of being pre-approved at one low rate, and then experiencing some type of difficulty in the application/verification process outside of what a normal/reasonable consumer would expect and then being told of the good news of being offered a higher interest rate than the one they were pre-approved at. This higher interest rate is offered after the consumer has provided their protected financial information and authorized a hard credit check ( which hurts their credit ) and SoFi can then share/sell/use this financial information in a proprietary way while not honoring their marketed or pre-approved rates in good faith.
Product: Mortgage

This complaint is about Bank of America. They have not been reporting to the credit bureau 's on our mortgage. We were looking at my husbands credit score on XXXX XXXX and saw that our account with Bank of America has been closed since XX/XX/XXXX, however we have been paying them up until XX/XX/XXXX when they transferred our account to XXXX XXXX XXXX and we started making payments to them in XX/XX/XXXX and are currently making payments to them. They are a debt collector and we are in a modification with Bank of America. We tried to refinance but Bank of America is reporting us 30 days late for the last year. If you could do a complete review of my mortgage we would appreciate your help.
Product: Credit card or prepaid card

I was a victim of identity theft and fraud and reported there were unauthorized transactions on my XXXX XXXX credit card. The experience with XXXX XXXX to resolve the issue has been unnecessarily confusing, the website reporting one card closed and another card open. I am not able to access the website as it failing to open pages including other issues. XXXX XXXX has failed to readjust the balance properly and failed to modify the minimum payments as I have overpaid minimum payments for the last several months. They have my account in past due status and I was told they would readjust the balance and change the minimum due amount since I overpaid due to fraudulent charges on my account. The website login page is preventing me from doing anything on it as well. Customer service seems to not understand any of my request and at this point I am left to filing a complaint with the CFPB. Additionally, I was sent out 2 cards and do not know which is valid or not valid. This process has been sloppy and not being handled in good faith.
Product: Debt collection

My previous complaint # was XXXX My name is XXXX XXXX and I have given this company an Affidavit Of Identity theft and have informed them they are in violation of my rights by listing a fraudulent account with the credit reporting agencies.

They are not also violating 15 U.S. Code 1692g, as only the consumer can validate a debt. I have informed this company numerous times this account is fraudulent and they continue to violate my rights. I am asking CFPB to violate this company and issue a fine in the amount of {$3000.00} for several violations they continue to commit and I also demand deletion of the fraudulent account.

Once again, this company has not provided me with a solution to any of my complaints. I do not want a fraudulent bill history sent to me, I want this account deleted now.
Product: Credit reporting or other personal consumer reports

Dispute Regarding Improper Investigation of Credit Report Discrepancies I am writing to formally dispute the manner in which my previous disputes regarding inaccurate information on my credit report were investigated. I have noticed that experian and transunion failed to properly investigate the disputed items, and I believe this violates my rights under the Fair Credit Reporting Act ( FCR
Product: Credit reporting or other personal consumer reports

I reach out to the company my self they said they was going to look into it then I call all 3 credit bureau about what was goin on I took them I was under 3 data breachs one with XXXX in XXXX in Equifax they never onces reached out to me in told me anything about my information being stolen how I found out was I kept getting bills and notifications saying that I inquired about a credit card, which I never did and then Id use XXXX to do a Social Security number and the name scan of to see have my information been leaked in it have it say my information is on the dark web that is terrifying and this company steady saying that theyre not saying nothing really now my life is like Im walking on eggshells that is preposterous. These people is getting paid was getting paid for me to basically just leak my information without saying anything to me that is wrong, that is very wrong. That is against my rights. I have been under three data bridges that I knew nothing about. I just want legal action done and I want to be compensated for all the days I had off work and all the money I have spent trying to get my life back and Im gon na go to the farthest extent to see whoever stole my information and these companies that had my information and let it get leaked and then reach out to me. I want something to be done now thank you consumer law federal law, for the consumers is the rep protected. We didnt ask for this.
Product: Debt collection

I have XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX ) I went for my early check up. 
My doctor informed me that I have to make surgery and I have to come back for more checking. I have to pay my co-pay and set up my new appointment. 
I came back to the office and there is a doctor who checked my eyes again and I found he told me different than the first one. at the end of the visit I asked the front desk do I have to pay anything, She said No. 
I went to different XXXX XXXX she told me I do not need surgery just change the lances. 
Later on- I got mail from different facility that I have to pay a bill. I called them and I told them that I never been to your office. She told me the doctor i saw last time in XXXX office is theirs doctor. I told them No body told me I am going to see different doctor from different office and I have insurance through XXXX XXXX. If I am going to see different t doctor from different office I have to check first if my insurance will cover it now they sending me a bell with interest.
Product: Payday loan, title loan, or personal loan

a payday loan, really can't remeber there name, weird name, foreign / XXXX XXXX i think. can't remember i'm old and sick, iknow i did XXXX XXXX  and XXXX  XXXX, that i can remeber, but oher one i can't
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX My Address : Address, City, State Zip XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXX XXXX, NY XXXX any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN XXXX Remove any other numbers you may have on file!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX DATE OF BIRTH XXXX PHONE NUMBERS XXXX ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX Spouse or co-applicant XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are reported inaccurately Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data!
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 USC 1681. 
XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Transunion and XXXX/XXXX  with no successful resolution. Transunion  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that I was unaware of. I believe to have been a victim of identity theft. The unknown inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove these inquiries from my credit report. I am also attaching my identity theft report.
Product: Mortgage

My wife and I applied for a mortgage with huntington bank. We discussed the ins and outs of the loan process with XXXX XXXX and talked about how much would be needed to be put down on our mortgage loan. We later met again with XXXX XXXX and he showed us the loan estimate. We then received the closing disclosure, which we signed with the monthly payment being final. My wife and I took the final payment on the closing disclosure as correct ( we do n't understand all the realty / banking abbreviations that go in to an estimate ). As we approached closing date ( huntington bank had aprox 45 day notice of ) huntington asked to move the closing date back from XXXX/XXXX/16 to XXXX/XXXX/16. The process went quick because of multiple phone calls and text messages from myself and my wife. We then closed on XXXX/XXXX/16 @ XXXX at XXXX XXXX XXXX, XXXX After I got home after closing I received a phone call from XXXX XXXX , from huntington bank , that they improperly disclosed information to us, and that the closing was void. We then had to wait for new CD forms to be sent to us so we could verify them and establish a new closing date. It turns out that huntington bank failed to disclose Mortgage Insurance to my wife and I in the Lenders estimate and closing disclosure ( which is almost {$100.00} difference per mo. ). After multiple phone calls and cussing battles with XXXX XXXX he tried to blame us for not catching the banks mistake. Both XXXX XXXX and XXXX XXXX, have stated that all huntington bank will do is grant us {$750.00} refund on top of a {$250.00} refund for opening a checking account with them.That does nothing to help the fact that we could n't close on time and now we have to wait five additional days. They have caused countless hours of stress to my wife and I, and all they want to do is cover their own backs and try and blame us. It should n't take countless phone calls and text messages from the customer to the lender to get them to do the job they get paid to do. 
At the closing with XXXX XXXX XXXX, XXXX, we learned that we should have received the appraisal for the property that we were/are purchasing. We did not receive such appraisal. We finally did receive it on XXXX/XXXX/16 ( the day of closing ) at XXXX, 4 hours after our closing time. 
XXXX XXXX and XXXX XXXX have never responded to phone calls in a timely matter. It is offensive that a mortgage company that prides themselves on customer service, will not own up to the previously stated issues. 
We went with huntington bank because we thought they were a good company and we could trust them. We have come to the conclusion that the customer ( in this case us ) does n't matter. They have made this process awful and we still ca n't trust that they will close on XX/XX/2016 like they promised we will. If they do n't close this time when they promised to we could end up losing the house and will have no where to live. 
We hope that someone reading this will take action to stop huntington from treating people this way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC XXXX and XXXX XXXX XXXX Dear XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

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

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

i have tried to dispute these hard inquiries on phone with each credit company but they have not done anything for XXXX days. it is causing my credit to decrease tremendously. i am already under XXXX  for XXXX  years so that makes it hard for me to get collateral in my name so with these false accounts on my credit report, it is almost impossible to get a credit card to build my credit because of XXXX so i dont know why they are not disputing these negative and hard inquiries that dont belong to me. could you all please let me know what to do next so i can be in a decent standing with my credit. i have done everything knowledgeable to do. this is my last step.