23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In late XXXX XXXX, my husband and I began the process of applying for a HELOC. We were approved by both banks for which we applied to ( my credit union and our current first mortgage holder, Chase Mortgage ). Ultimately we decided to go with Chase, they agreed to lower our originally approved interest rate to be in line with the approval rate received by the Credit Union. Also, we assumed the process would be streamlined, quicker, and easier with Chase as they held our first mortgage. 
Unfortunately, that was not the case. We experienced many delays and back and forth due to internal errors such employees misrepresented loan rates, misadvising of company policies, and engaging in dishonest loan origination practices. Additionally, delays were caused by Chase employees inaccurately sending the paperwork to the underwriters incomplete and subsequently, sending the paperwork a second time with erroneous information. 
Their internal errors resulted in the loan process going over a 60 day period. I was advised of the potential of another credit inquiry as is generally their policy if the loan process goes over 60 days. As a result of this information, the loan process timeline, and rate discrepancies we advised Chase of our intentions to pursue the loan with my credit union and forgo the loan with them. However, Chase guaranteed the rate issue would be resolved and guaranteed, as the delay was their error, they would not pull my credit nor my husband 's again. We agreed to the loan under those aforementioned conditions. 
The loan was signed on XXXX XXXX, XXXX. As of today XXXX XXXX, XXXX our credit monitoring has advised that on XXXX XXXX, XXXX Chase Mortgage has completed a hard inquiry on both my husbands and my credit report. These inquiries are illegal and unauthorized. This is a violation under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligation under the Fair Credit reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The accounts are attached with comments from Experian.
Product: Credit card or prepaid card

Signed up for 0 % APR balance transfer. 
I have all documents from promotions and official agreements. 
American Express customer service claims that other interest fees applied and charged me every month for interest that was not in the agreement. 
When attempting to resolve for the third month in a row, an official case was opened, and when they concluded they were right they put the balance back and then added 4 cents to the balance due to poor accounting. 

I also have all monthly statements and they do not keep accurate balances from month to month. With last month 's balance, interest charged, amount paid, and any other fees on the statement, they will create a new balance that does not match what should be calculated. 

When finally closing the account, the service representative said everything was paid in full and I would not be charged anything anymore. The next month they sent me one last bill for interest that I was promised would not happen. 

XX/XX/XXXX {$2.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$1.00} + {$0.00} XX/XX/XXXX {$1.00} + {$28.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$52.00} Totaling {$100.00} in additional payments due to American Express 's poor accounting and billing. 

I can also provide dates and times for calls to customer service to verify I tried to solve the issue and was lied to by their representatives that I would not be charged.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I obtained a title loan through Wilshire Consumer Credit in the amount of {$3600.00}. Unfortunately I fell behind on the payments and on XX/XX/XXXX the vehicle was repossessed. 

However I was informed by the loan company that I had until XX/XX/XXXX to pay off the remaining balance of {$4700.00} and regain possession of the vehicle. On XX/XX/XXXX I made a payment through XXXX for the amount of {$4700.00} and cleared the entire balance owed to Wilshire Consumer Credit. They have acknowledged receipt of the payment and have updated my account with this information which now reflects no balance due. I was provided the information for the auction company which is storing the vehicle and was informed to get in touch with them in order to pick up my vehicle. 

The issue is that I am not able to do so as the tags were removed and destroyed by the tow company. I've contacted my local tax collector 's office/DMV and was informed by them that as of XX/XX/XXXX the vehicles title is no longer under my name but was transferred to Wilshire Consumer Credit by them. As such I am not able to register the vehicle or obtain duplicate tags. 

As stated by Wilshire Consumer Credit I had until XX/XX/XXXX to make a lump sum payment on the loan and obtain my vehicle. Yet eleven days prior to this they canceled the lien on the title and transferred ownership from myself to their company. It is my belief that Wilshire Consumer Credit improperly and perhaps illegally took this action which has now made it impossible for me to regain ownership and possession of my property. Property which they fully acknowledge is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw a copy of my credit file and was shocked to see the mortgage reporting inaccurately. I was NOT late XXXX or XXXX with XXXX XXXX. 

I also thought due to the cares act if you needed help XXXX it wasn't to show late payments. Why isn't this being followed? My report shows late XX/XX/21, XX/XX/21, XX/XX/21 and I was NEVER late XX/XX/21 and XX/XX/21 Please help get this corrected. I disputed and nothing has happened
Product: Credit reporting or other personal consumer reports

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

Account Name : 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: Checking or savings account

I have a joint account with my husband. We noticed that over a period of time, the funds in our account kept being withdrawn and neither of us or anyone authorized by us, completed these transactions. 
I contacted my bank who, after their investigation, concluded that the disputed transactions were valid and remain on the account. The transactions amount to over {$600.00} and were all ATM withdrawals. We did not make these withdrawals.
Product: Credit card

I have been a Target REDcard Visa cardholder since XX/XX/XXXX. My credit limit on my account was {$2700.00}. I have always maintained my account in good standing. I paid my account down to a XXXX balance in XXXX XXXX and did not use the card to make purchases for more than a year. Target updated their cards with the new chip technology and mailed me a new card to activate. Upon activation I noticed that Target had reduced my credit limit from {$2700.00} to {$200.00}. When I called Target to inquire as to why my credit limit was reduced, I was informed that Target 's company policy allows them to reduce and/or close cardholders accounts after 13 months of inactivity. I was floored. I asked to receive this information in writing and was told that Target can not send me this policy that apparently is tied to my credit agreement with them in writing. Essentially, Target is penalizing cardholders for NOT using their available credit AND they are NOT informing cardholders that this is a requirement or part of their credit agreement. By reducing my credit limit from {$2700.00} to {$200.00} Target has now negatively impacted my creditworthiness and credit score with consumer reporting agencies and said that in order to keep the account open I have to purchase something on the card. This is a deceptive, very predatory and unfair business practice! How can Target be allowed to do this? I was never notified that I was in jeopardy of my credit line being reduced or the account being closed due to inactivity. I 've been a cardholder for almost 10 years and now I am being forced to incur additional debt when I do n't want to or have the account closed by Target which will significantly and negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

This constitutes my fourth and follow-up complaint, underscoring my unfortunate victimization by fraudulent activities. I present this complaint to contest the inclusion of certain items in my file, directly stemming from criminal activity. The mentioned items bear no association with authorized transactions involving the acquisition of goods, services, or funds. I urge the expungement of these items from my credit file, as per the directives outlined by the respective bureaus : -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 XX/XX/XXXX XXXX XX/XX/XXXX. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached my new FTC report with reference # XXXX to this complaint.
Product: Credit card

Charged for a purchase I did not make. Credit card issuer has been ZERO help. Still getting notifications to pay back money I did not spend.
Product: Credit reporting, credit repair services, or other personal consumer reports

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Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I am experiencing financial hardship due to reduced work hours as the result of COVID-19. I have reached out to USAA on multiple occasions to request extended financial hardship relief through their program. I was approved but then denied. I received a letter stating that I have " submitted the maximum number of relief requests for this financial hardship event ''. It is unfortunate but the restrictions enforced by local/state/federal government are preventing me from working regular hours. The " hardship event '' is still ongoing and affecting me financially. My job has reduced work hours due to clinics being cancelled by our clients. I am in a financial XXXX like countless other Americans. I have maxed out a majority of my credit cards to make ends meet. I have contacted all of my creditors, including USAA to request additional assistance considering the circumstances. I am baking goods to attempt to keep up with bills but it is not enough to cover all of them at the current time. The decision of USAA is unrealistic considering what I, like countless others, are experiencing. The decision is making my situation worse and causing more emotional distress. I am actively seeking employment but work is hard to find. My unemployment benefits were exhausted on XX/XX/2020 and I am in the process of waiting for the state to reinstate my benefits ( which is another hurdle to cross ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Auto accident and vehicle impounded XX/XX/XXXX -  Impound lot notified XXXX of an abandon vehicle XX/XX/XXXX - lien established and a savaged title was ordered by either the county or XXXX. 
XX/XX/XXXX - Approximately XX/XX/XXXX vehicle was sold XXXX failed to retrieve a {$22000.00} vehicle with a {$3000.00} damage from the impound lot while the price to pick up the vehicle was less than {$600.00}. 

XX/XX/XXXX - The auto insurance was notified and the insurance company decided to take responsibility, but wanted to inspect the vehicle whether they needed to cover collision or just repair. Upon inspecting the vehicle, {$3000.00} damage was uncovered, which they agreed to pay, but because the vehicle was no longer in my possession, the Insurance company wants to pay {$2000.00} less the deductible. All in all, they want me to be on the loosing end. 
Damages to me : approximately {$3000.00} which covered down payment and insurance coverage, {$21000.00} plus on my credit report while I'm left without transportation.
Product: Credit reporting

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX
Product: Checking or savings account

I was helping a friend who had lost his debit card, by cashing a {$200.00} check he wrote me so I could give it back to him. I deposited the check into my account because my friend told me it should be available the same day, but it was not, so he then wrote me another {$200.00} check and I cashed it inside a TCF Bank. A few days later, my account is now negative by {$230.00}. On XX/XX/XXXX, {$200.00} was deposited to another account. On XX/XX/XXXX, I received a {$20.00} deposit fee. On XX/XX/XXXX, {$200.00} was deposited to another account. OnXX/XX/XXXX, I received a {$20.00} deposit fee. I did not deposit any money and I am yet to be told how my account being negative makes sense. I called my bank and the lady who was assisting me told me multiple times ( after being asked multiple times ) that the only way to fix my account is by depositing {$230.00}. When I created my account I said I did not want my account to be able to go negative so I do n't see how this is so. I was told that the money was sent back to the check-owners account because he did not have sufficient funds, so I do not see how this is so. And if neither of our accounts had the funds to cover a {$200.00} check, then why TCF Bank allowed me to cash it, I would like to know.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors with whom I have no open accounts or relationship with-obtained my information UNAUTHORIZED and WITHOUT MY CONSENT : Creditor Name Credit Bureau XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/, I mailed request to Discover Bank, to send me the disclosure pursuant to FCRA 6802 -see below : that was never given me any of the disclosure at the beginning of doing business nor didn't gave the the instruction to allow me opt out - nothing outlined in the term & condition that gave option for me to exercise my rights to opt out. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. 

Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt Out In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option Nothing of the above has been met from Discover Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX we received a letter that we did not prove our Wind Insurance policy and that they were going to provide insurance for us and we would have to pay this. Our Insurance agent had been trying to get the payment for our policy. The mortgage company did not pay until it was over 3 months late. So we had to wait for a new policy to start in XXXX. Premiums were finally paid. 
XX/XX/XXXX we get another letter and we call again because this was finally handled. 
XX/XX/XXXX I get an alert that my mortgage payment is late from XXXX. I call because payments are made directly from my account to Loancare. I am told that my payment was not enough and so the payment goes into an account until funds are collected. My payment use to be {$2400.00} and I pay {$2800.00} each month a week before the due date. I speak to multiple people who can see what happened. They charged us for the lapse of coverage XXXX. We did not lapse the mortgage company did. We opened an escalated case # XXXX. We ahd to work with the insurance dept to get this resolved and with customer service to get our credit fixed and the payment. 
XXXX was out case XXXX and she did have our credit fixed and told me she would adjust the late fees as well. This did not happen. XXXX XXXX from the insurance dept has called me back every time he tells me he is and has kept me updated. He left a message on XX/XX/XXXX stating that this will be completed next week and he will call when it is finished. I get a letter in the mail and my credit was dinged again for being late. I have constantly paid the {$2800.00} which I was told to do since no one knows what my payment will actually be. I was told that they had to adjust the difference and fix our escrow in order to know the amount we should be paying. Today I spoke to multiple reps at LoanCare or XXXX and one was the collection department, which I told him I should not be in collections. He transfer me after an hour on the phone to customer service and after another hour going over the account, he is still showing I am a month late or missing a payment. My account has multiple payments then reversals and it makes no sense to me, however I know what has been paid out of my bank account. They told me a payment was returned, not sure why because I pay from my bank. I did have to go in a pay again on XX/XX/XXXX for XXXX. I now am told I cant pay online or over the phone because I am not in good standing for payments. I am also told I am a month in the rears, which is not true. XXXX waiting for someone to return my call again but I do not have much hope since after XXXX hours today no one could help. This company is the worse, I had to file a complaint when we refinanced. I have voicemails and phone conversations recorded showing they were working on this issue and was going to fix it.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of unauthorized accounts that have appeared on my credit report due to a recent data breach in which I was a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts removed to protect my credit and personal information. Below are the details of the accounts that require removal : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX  - XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$28000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$60000.00}