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

XX/XX/XXXX The Home Depot Consumer Credit Card Payments Home Depot Credit Services XXXX. XXXX  XXXX XXXX, KY XXXX The Home Depot Consumer Credit Card Overnight Delivery/Express Payments Attn : Consumer Payment Dept. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX : Account XXXX XXXX XXXX XXXX ACCOUNT REVIEW REQUEST AND INTEREST REDUCTION REQUEST, REQUEST FOR RECORDS In XXXX of XXXX I purchased an air conditioner for my new townhome for the benefit of my XXXX son. 

I understood that I was on a 24-month, 0 interest plan. I was not informed that interest would accumulate if I had not completely paid off this appliance within the 24-month period. 

I was shocked at the end of the 24-month period XXXX XXXX. XXXX? ) to discover that NONE of my payments were applied to the principal balance and that an additional {$5000.00} was added to my account balance, which took my card dramatically over the credit limit. 

I have applied for forbearance, but my intent is to understand why this information was not disclosed to me. I have called multiple XXXX numbers for XXXX XXXX and gone on-line. There is no historical information available BEYOND SIX MONTHS. 

The account overbalance has now had a negative impact on my credit score. 
I am respectfully requesting : A complete account review including payments and statements dated back to the origin of this account. 
Statements/paperwork and documentation and an explanation about the terms and interest rates charged by Home Depot A wavier of the {$5000.00} of interest ADDED TO MY ACCOUNT WITHOUT NOTICE in XXXX of XXXX A reduction of the interest rate charged on the ACTUAL balance of this account I ask that someone from the credit department contact me ASAP as my Forbearance Period ends on XX/XX/XXXX. 

Thank you for your prompt attention to this issue. 


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

FCRA violations : payments never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this XXXX XXXX account dated 2013 and Bankruptcy XXXX XXXXXXXX, It is violation of my federally protected consumer rights- USC 1681 a5 states no consumer reporting agency may report any adverse information other the records of convictions- USC 1681 section 604a section 2. States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with the credit bureau 's are allowing companies, that I did not authorize, to do hard inquiries on my credit. These type of inquiries hurt my credit score and I want them removed immediately. There is a total of about 20 inquires that are not associated with any accounts that I have or requested, however they match unsolicited offers that I get in the mail. 
Please help me get these off of my credit reports. What should I do?
Product: Mortgage

My home closing was XX/XX/2021. My new mortgage was immediately sold to LoanCare XX/XX/2021 although I was told my loan would not be sold. 

I already had my direct debit setup through XXXX XXXX and had to call it in to get it setup through LoanCare.

Tried for 2 days to get into the LoanCare site- it's down. Links on this allegedly secure site are not active, SMS text messages to phones to verify the account are hit or miss - regardless none of them will verify you as the account owner or let you complete sign up. Big problem on a secure site- indicates there's nothing secure or viable about this mortgage site, nothing is locked down. Information can be entered but not kept confidential.

Had over 60 minutes tech support with LoanCare, they say no one is having issue. Site checkers say otherwise with many, many people at risk of not being able to pay due to a faulty website. None of us can get into their site to setup payments. Worse - this company holds personal and banking information- they have a responsibility to maintain a secure, working site.

LoanCare Website : https : XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX Just one of the Loan Site Down Logs : https : XXXX Another site stating same : https : XXXX
Product: Checking or savings account

Someone has used my Mother 's checking account number and/or debit card number from Chase Bank and has charged in excess of {$2200.00}. All payments were made to XXXX XXXX. In speaking with XXXX XXXX XXXX, they informed us that there are two separate individuals in the XXXX area that are responsible for this fraud. XXXX has agreed to return all monies that were fraudulent, however they require a late ACH payment form from Chase Bank. Several employees from Chase bank ... branch employees through supervisors in the Fraud Department have refused to provide this form for us citing because my Mother has a valid policy with XXXX they consider it to be a valid merchant. Despite pleading with several Chase representatives, they all continue to deny this request. Date of fraudulent transactions are XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 and XX/XX/20. The account was closed and a new account was opened so no further charges could be made. Also, a police report was filed with our local Police Department.
Product: Debt collection

The Company Credit Solution Corp is acting as a debt collector for the company XXXX XXXX XXXX. The company has been reporting to all 3-credit bureaus since 2019. When I called and send letters to request information obtain information about the debt. The company is not authorized to collect on the debt. Being that this is showing as a new debt with a high balance has made it extremely difficult for me to option any fair Evalution on my credit report.
Product: Student loan

Hello. 

I have student loans with FedLoan Servicing. I am in the process of working towards XXXX XXXX XXXX XXXX  Towards the end of XXXX I was reviewing my payment count on the FedLoan website and noticed that I was not given credit for several payments while I was in XXXX. This prompted me to have my bank pull statements, which show XXXX student loan payments were made during this time. I then called FedLoan Servicing and spent several hours on hold before I was able to talk to a representative. She recommended that I upload the bank statements, along with a letter detailing the situation, to their website. I submitted this documentation on XX/XX/XXXX. I also submitted a new XXXX application at the same time. 

In XX/XX/XXXX I was notified that neither documentation were accepted. The rationale that I was provided for the XXXX application was that the signature appeared to be computer generated ( it was not ), and a new form would need to be provided. The rationale for denying the bank statements was unclear as I was simply provided a rejection letter that was directed towards the XXXX application form. 

I have since resubmitted these forms and e-mailed FedLoan Servicing to inquire as to the status of my applications. As of writing this I have not received any response. Any help that you could provide would be greatly appreciated.
Product: Debt collection

The below Debt Collection is Fraud and it is not my account. I contacted MRS Associates and this debt is not belong to me. 

MRS ASSOCIATES has flagged your account as Collections on XX/XX/2021. 

Source : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2021 Balance : {$440.00}
Product: Credit reporting

I received correspondence from Equifax dated XXXX XXXX, and XXXX XXXX, 2015 with XXXX different confirmation numbers and different result outcomes. 

Confirmation XXXX Basically states that Account # XXXX The results are : This information was duplicated, and therefore it has been deleted. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX Confirmation XXXX Basically states this Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX So I need to know what are the actual results????
Product: Credit reporting

I am showing as late XX/XX/XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
Product: Mortgage

A review with XXXX XXXX XXXX started in XXXX of XXXX. A call to XXXX XXXX, at XXXX XXXX XXXX on XX/XX/XXXX stated that all documents were deemed to be complete. This review carried on into XXXX with no decision yet and then a call on XX/XX/XXXX to XXXX XXXX XXXX advised that they had service transferred the loan to Select Portfolio Servicing on XX/XX/XXXX but failed to send anything about this service transfer till XX/XX/XXXX ( leaving over a month of not notifying the client of who was currently servicing the loan ). When contact was made with Select Portfolio Servicing finally on XX/XX/XXXX they stated that they did not transfer the review and they needed a complete new packet. They were required to follow the same servicing guidelines as the previous servicer and because they did not, they made the client who would have been eligible for a Making Home Affordable Modification review not eligible since the program ended on XX/XX/XXXX. The review should have continued from the previous servicer and eligibility for the Making Home Affordable Program should have been reviewed. Since the servicing of the loan was not properly transferred the client improperly was denied an option for loss mitigation assistance. The result of the most resent review states that they denied the modification review because of it being " a bad business decision '' and that the loan is not eligible to be modified. In a QWR response by the previous servicer, the owner of the note is named as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was a participate in the National Mortgage Settlement Agreement. As participants, the consent judgement XXXX XXXX XXXX XXXX. signed requires them to review for a modification to make the loan more affordable. The consent judgement order from the courts dated XX/XX/XXXX changed that servicing requirement for XXXX XXXX XXXX XXXX owned and serviced loans investor guidelines where they might prefer not to as specified in the original mortgage note. In this consent judgement there is not a provision for a denial based on " bad business decision. '' They also are required to advise of the financial information that they used to make the decision ( gross income and household expense calculation ) which they are not. The denial leaves it completely unknown as to the information they used to reach their decision.
Product: Student loan

I would like to raise a red flag concerning the US Dept of Education  ( US DoEd ) practices with regard to how they manage their student loan default program. I was working with their Default Resolution Group on a loan rehabilitation program when they suddenly and without any warning violated the good faith terms of our agreement and placed my loans in default with a third party, private debt collection agency/company. I had been unable to make consistent or adequate loan payments for some time and so XXXX, the loan servicing company, transferred my loans to the US Dept of Ed Default Resolution Group ( DRG ). I made a good faith payment at the beginning of the process and they even garnished   my state income  tax   return even though I was under the impression that I was NOT in treasury offset, wage garnishment, or any other similiar situation, based on conversations with representatives who told me that if I make payments that would halt any further negative action taken against me. It did not. Then, after working diligently to apply for a loan rehabilitation program administered by the DRG ( their website : www.myeddebt.ed.gov ) they arbitrarily and capriciously, without warning or any reason given, sold my loans off to a private debt collection agency and tacked on over {$13000.00} in collection fees. They did this only about 2 weeks after they denied my initial application for loan rehabilitation. They first told me I could submit certain financial statements, such as bank statements, to document the income and expenses portion of the loan rehabilitation application, but this was incorrect information given to me by their representatives. Because of this incorrect information, they rejected my application stating I had not supplied adequate documentation for the income and expenses listed! While I was working on getting the required documentation, they sold my loans and debt collection added on outrageous penalties and fees. I am currently working with a student loan advocacy organization, called XXXX ( XXXX ) that I found through the XXXX ( Virginia XXXX XXXX ) and fear that legal action may be necessary to reverse the actions taken against me by the US Dept of Ed. I wish to pay off my debt as agreed and even hope to qualify one day for the Public Student Loan Forgiveness Program ( PSLF ) or XXXX Loan Forgiveness   Program ( XXXXLF ) but this will never happen if I can not get these unjust and punitive fees removed and get back on a path towards a sustainable, affordable monthly loan payment.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint regarding the inaccurate and incomplete credit information that you are reporting. I am distressed by the inclusion of the following information in my credit profile and your failure to maintain reasonable procedures to ensure the maximum possible accuracy of the credit reports you publish. According to credit reporting laws, bureaus must report only completely accurate credit information. It is essential that every effort is made to ensure that the information reported is entirely accurate and correct. I am requesting a re-investigation of the following information. I respectfully request that you provide proof that these inquiries were authorized with an instrument bearing my signature and for legitimate business purposes. If this proof can not be provided, the unauthorized inquiry must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a case against XXXX. They are a debt collector that I have had been having several problems with. They are currently reporting to the credit bureau that I owe them a balance. Every few months, they errenously report a change in the balance ( usually by {$1.00} or more ) which also negatively shows on my report. 

I have also written them several letters asking them to verify the debt ( which they have failed to respond to ). 

Companies have 30 days in which to verify the debt ( which they ignored ). They have also failed to report it accurately ( the amount changes and the fact that the initial debt isnt mine ). 

They have 2 accounts, form XXXX funding and they need to cease collections and clear the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$10000.00} to Experian on XXXX XXXX XXXX partial account number XXXX. ( Please see page 13 of the attached credit report. ) We were waiting to receive our first bill so that we could contact the billing department directly to make payment arrangements, however we never received a billing statement from XXXX XXXX XXXX and consequently this account has since gone to collections and it never should have. This incorrect reporting is harming my credit score and this line item needs to be deleted. I have contacted the bureau to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

Account showing on my credit report in spite of credit bureau stating they have no credit file for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : consumer protection Financial Bureau/TransUnion TransUnion has failed to follow Fair Credit Reporting Act and Failed to investigate incorrect information that has been reporting on my credit file. I had a great job opportunity with XXXX XXXX as an insurance agent and I can no longer work due to the failure of TransUnion not investigating my credit file and making corrections to my credit file. I am including my certified mail that I have been sending to TransUnion for the past 4 months. I am including a copy of the I will also include a copy of the police report that my identity was compromised in 2019 and I have a police report with the city of XXXX. 
Unfortunately, my mail was also stolen for the second time that it was delivered to my house. I wasn't left by XXXX and all my bills and identity was stolen. providing my police report and all identity information to XXXX and XXXX the correction was made to my credit file. TransUnion has failed to make the correction. This is my last attempt through Consumer Protection Bureau the correction to be made to my file if any of the information or not verifiable by law they must be delete it for my credit file,
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair credit act the following creditors have violated my rights. My rights are being violated by going against The US Code 1681 section 602 A. States I have the right to privacy. followed by violating US Code 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions. 

-XXXX XXXX XXXX number starting with XXXX -XXXX XXXX XXXX  number starting in XXXX -XXXX XXXX XXXX XXXX number starting in XXXX -Amer Fst Fin Account number starting with XXXX I also would like to point out I have been Economically impacted by COVID19 and have had no mercy from the creditors once I brought the violations to their attention which has led me to file this complaint.