23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a variable rate mortgage. The interest rate resets each year. The " new '' rate is determined by taking a base of 2.25 % and adding in the 1 year Libor rate as of XX/XX/XXXX of that year. On about XX/XX/XXXX of each year, I get a notice telling me that my loan percentage is goingto reset and what that reset % would be if it were done on that date. This year, when I received my " reset '' letter on XX/XX/XXXX, it told me that my new rates was going to be 4 7/8 % based upon the fat that the current 1 year Libor rate was 2.61425 %. That percentage plus the base yielded a 4 7/8 %  rate. 
However, the 1 year Libor rate changed dramatically between XX/XX/XXXX and XX/XX/XXXX ( went down from 2.61425 % to 2.15 % ). My contention is that my new loan rate should be 4.4 % ( 2.25 % base plus 2.15 % 1 year Libor ) or at worst 4.5 % if they round up rahter than the 4 7/8 %  which I cam currently being charged. 

I have called the loan processor 4 times attempting to get this question answered to my satisfaction. In spite of numerous attempts to do so, I have not gotten a satisfactory answer as to why the rate is what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus 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 information below XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Transunion, XXXX and XXXX, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized/Fraudulent Collection & Credit Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts that are listed below. You have stated that you are working on a resolution. That was a long time ago and I am still suffering from your negligence. you have aided in ruining my credit file, harrassment from compnaies I know nothing about or have done bunsiness with. 
Thi is a a demand to ahve any and all account disputed effectively removed without prejudice. You must provide documentation as of its accuracy or remove it immediately without prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX, requesting the removal of unknown inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate deletion in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that I did not initiate these inquiries or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.
Product: Credit card

My husband passed away on XX/XX/2016. I reported his death to Citi Dividend card by e-mail and attached his death certificate to that e-mail. We have been using this card for more than 5 years and never missed a payment. Without even replying to my e-mail they closed the account and cancelled my card also. I found that when my payment to my utility company was declined. There was a balance of {$250.00} on the card and they sent that to collections department. I made the payment for the balance immediately and asked them about the dividend dollars of {$170.00} that we accumulated for over many years. After talking to number of people and wasting number of hours I was told that the check can not be issued. I told them to issue the check in my husband 's name. They said they ca n't do that because the account was cancelled
Product: Debt collection

On XX/XX/2023 I received a call from an unknown number I answered the call and the women I think her name was XXXX stated I have an account with XXXX XXXX XXXX with a balance of {$2800.00} not the exact amount but I asked her why would she disclose that info with out me verifying I was the person they are asking for she was being rude stated I was not trying to verify I asked her simply why are u stating any info without being verified I asked for a supervisor and she was basically rude as well as iam trying to tell her what rep just did. I was not aware of the debt as I told her Ive been working on my credit score Im at XXXX she dated well if my credit is so good this balance shouldnt be a problem why dont I open up a credit card and pay this off is my credit is so good. Someone please reach ouT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

There are many inaccuracies within my consumer report. See enclosed attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT
Product: Credit card

In XXXX of XXXX, I took out a loan of {$7900.00} for the aforementioned installation. The loan agreement specified a XXXX XXXX period. To ensure timely payment, I diligently set up auto payments, confident that the entire loan amount would be paid off within the agreed period. 

However, to my dismay, I discovered that after only XXXX months, Citi Bank began charging me interest without prior notification. 

Upon contacting Home Depot, I was assured that the issue would be promptly addressed within a billing cycle or XXXX. Unfortunately, subsequent follow-ups revealed that neither Home Depot nor Citi Bank XXXX XXXX the error due to its belated discovery. 

As of XX/XX/XXXX, I have dutifully paid off the entire principal loan amount of {$7900.00}. However, an unjustified balance of {$1400.00} in accrued interest persists. 
Attached to this correspondence are the pertinent documents, including the original loan contract explicitly stating the XXXX XXXX  terms, as well as the credit card disclosure outlining the same terms. I trust that upon review, the discrepancy in my account balance will be readily apparent. 

I formally requested a thorough review of the aforementioned information and accompanying materials. It is my fervent appeal that Home Depot/Citi Bank XXXX XXXX steps to rectify this error by removing the unjustified accrued interest from my balance. 

Home Depot and Citi Bank have rejected every attempt to rectify the issue and have sent a final letter stating they will no longer communicate with me on the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carvana without my knowledge or consent falsely accessed my XXXX credit report info on XX/XX/23 and this is fraud. 
I never had any contact or did anything to inquire or apply for anything with carvana or car loan or purchase. this is fraud
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

CAINE & WEINER added a collection to my credit report without my consent. This is a charge off and failed to provide me with copy " b '' of the 1099-c they filed with the IRS.
Product: Mortgage

We have our mortgage through Chase. We also have it paid by automatic deposit from our bank, XXXX XXXX. We received a late payment notice. When I called to ask what this was all about, they said that they paid our taxes because my county called them and said that we did n't pay our taxes. I had paid our taxes. When I called the county, they checked and confirmed that my check never made it to their office. BUT ... they also said that they NEVER call mortgage companies regarding a month or two late payment. They do n't consider it delinquent until 5 years have passed. So, unbeknownst to us, Chase lied to us and said that they were asked to pay our taxes which put us into escrow. We never received a letter from Chase or a phone call with information that we had been escrowed. When speaking with a representative she apologized for not informing us. So, the dollar amount being paid automatically was not enough to cover the mortgage plus the escrow, making us appear to have late payments. I, not even knowing what an escrow is at the time, had a million questions. This representative said that if we paid our escrow in full, it would get rid of it and basically back to normal again. We waited for our tax statement to come in the mail and when it did n't I called the county. They said it was still in escrow with Chase. We had no idea what was going on. For 6 years this has been going on! We have paid our escrow off 2 or 3 times and are still being escrowed. We just received an explanation on Friday that even though you pay off your escrow, you are still in escrow? I have talked to more representatives than I can count receiving different information each time. I have been given wrong numbers to call, out of service numbers to call, etc ... when we explained our dilemma with a representative explaining to him that this needs to be cleared up, he encouraged us to refinance and that Chase will understand our history and see us as delinquent. We did just that and received a letter that our credit was not good with Chase and that we can not refinance. We are desperate to have this resolved. I have contacted the Minnesota Attorney General 's Office as well as the Office of the Comptroller of the Currency. We are paying an astronomical interest rate and have been for 6 years. Thank you so much for your time. There are so many more details to this situation but not enough room to share it all. Chase has never cared whether or not we understand what is going on. My questions are never fully answered and I literally have not spoken with the same representative twice, which involves repeating my 6 year long story to each and every one of them only to be told how much we owe. No one is taking responsibility for the XXXX up, we just keep getting deeper and deeper in the hole. I really hope you can help us. Thank You!
Product: Credit reporting or other personal consumer reports

My consumer rights has been violated, looked over and not been taken into consideration. By Experian, XXXX and XXXX. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX. XX/XX/XXXX i sent out certified letters to each bureau reminding them of the laws they have broken. Experian and XXXX failed respond all together, never received anything. XXXX only sent my report. XX/XX/XXXX I sent more certified letters reminding them that have broken laws again. XX/XX/XXXX I requested for unverified accounts to be removed as they have broken the laws and is required to be removed, they failed to do so. XX/XX/XXXX I sent certified letters reminding them of internal laws that have been broken outlined in Metro2 Compliance, which all 5 laws have been broken and violated. XX/XX/XXXX I sent certified letters in an attempt for them o make things right but still failed to follow the law. XX/XX/XXXX was my last attempt certified letters for them to follow the consumer laws that should protect me. A fair resolution will be for them to remove all negative accounts from my credit profile as each of the laws have been broken outlined at the beginning of this complaint. By reporting inaccurate and unverified information is a violation of my rights and prevents me from moving forward in life.
Product: Checking or savings account

omplaint regarding pension check mistakenly deposited in XX/XX/XXXX and still not returned to XXXX, the Check issuer despite showing as reversed on my XXXX XXXX account in late XXXX. I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a XXXX account, since XX/XX/XXXX. Three financial institutions are involved : XXXX XXXX ; Deutsch Bank ; XXXX XXXX This is follow-up on four prior complaints for an issue that remains unresolved since XX/XX/XXXX. 
In XXXX I mistakenly submitted a pension check issued by XXXX XXXX to deposit to my XXXX XXXX account. XXXX XXXX  should not have accepted the check as it was made out to XXXX XXXX XXXX XXXX XXXX. 
Within days of realizing my error, I repeatedly called XXXX XXXX to reverse the deposit. It took a month of phone calls, but the funds show as reversed from my XXXX checking account in late XXXX. 
The funds have never shown up in the XXXX account from which the check was issued. 
Over the last months I have repeatedly called XXXX XXXX, asked for escalation, called XXXX, Called XXXX XXXX with XXXX and escalated the problem, including filing four prior complaints with CFPB. 
Each time, XXXX insists the funds were sent to XXXX, and each time I check with XXXX, they have no record of the funds coming back to the XXXX account. 
In the last correspondence dated XX/XX/XXXX from XXXX XXXX they gave tracking details on the funds but maintained for the first time that they have sent the funds to Deutsch Bank, who they claim act as transfer agent for XXXX. 
I have called Deutsch Bank repeatedly and been told that they will not deal with me as I am not a customer of Deutsch Bank even though I have information on the transfer details provided to me by XXXX XXXX In their last response to me -- copy attached. 
XXXX XXXX matter closed as they see a check being cleared to XXXX XXXX and no funds being returned. 
Thus, I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a XXXX account, since XXXX. 
I have wasted hours in phone calls, emails, and complaints, and still the funds are not only not in my XXXX account, but they are also no longer in my checking account. Each financial institution tells me to contact one of the other ones to resolve the issue. 
At this point, I request that knowledgeable representatives from each of the three institutions involved join a conference call with me and a representative of CFPB in order to resolve the matter. 
I also believe I should be reimbursed for the time involved in resolving this matter, which dates to XXXX. 

Prior complaints : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My score has been going up dramatically because of my hard work, it seems everytime it goes up XXXX add false info that affects my score. I have 1 of 2 student loans due for cancelation under corinthian college lawsuit still on my credit and XXXX is treating it like it is a credit card and credit usage. My loan is current. But the bureau states that I am using credit and saying the limit is decreasing!!