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

New Car was purchased with Fixed Rate at 1.90 % with financed amount of XXXX and a monthly payment amount of XXXX. 

Since origination, payments have not been applied appropriately per correct amortization. I want to understand what is happening. 

First payment XX/XX/XXXX, balance is XXXX. 
Interest should be 22.03 ( XXXX XXXX 1.9 % /12 ) Instead it was applied at 26.80. 
These variances are consistent in payment application. 

Please See Below for most recent example. 

Logically, unless a balance is increasing ( which is not the case ) a fixed rate loan with both Principal and Interest should have gradual decreases to the amount of interest applied per payment over the life of the loan. However, the XX/XX/XXXX payment was applied against a balance of XXXX but 41.11 in interest was charged. 

This loan has never been delinquent.
Product: Vehicle loan or lease

We had an auto loan with Valley National Bank from XXXX. In the course of the loan we moved to a new address but we made sure that the bank is notified of the address change. We called the bank by phone and made the address change. We went in person to the local Valley bank in XX/XX/XXXX and made the address change because their system still had old address. On making my last payment of the auto loan in XX/XX/XXXX I confirmed with the bank my current address to send my title and documents. Even after a month I of paying off my auto loan I did not receive my title. I went to the local bank in XX/XX/XXXX and I was told that the bank sent the documents to my old address in spite of me calling by phone and informing of my address change 4  years ago and also went in person last year and made sure they had the current address and even while making my last payment I made sure they had the current address on file which they said they did, still they sent my title and documents to old address! When I went in person the lady said the address is not updated and she herself updated it for us. 
Now it is XXXX of XXXX, XXXX months since I paid off my auto loan and I still do not have my title and documents from the bank. I reached out to the local bank again and I was asked to email them all the details of my loan along with my current address which I did but now after sending the email even the local bank is telling me that they do not have any updates for me because the bank has no update to provide. 
Worst ever customer service I experienced with any bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to rectify my issue with Experian and XXXX   regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with Experian and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased from indepth engraving in the amount of {$2600.00}. I entered into negotiations with the owner of the company XXXX XXXX, XXXX XXXX ) after agreeing the individual sent me a invoice through his company via XXXX account. The individual stated that the order will be coming from XXXX so he wouldn't expect product for 6 to 8 weeks later. After some time past I made contact and the individual notified me that he had issues with the factory in XXXX and that he had to use another factory. Some time after he notified me that the color that I ordered was wrong and that they had to redo the batch of color again to get it right. The individual then sent me a picture of the correct color and I approved which would be shipped out asap and that he should expect it by boat from XXXX around late XXXX or early XXXX. I then contacted him XX/XX/XXXX with no response then XX/XX/XXXX with this response... " Sorry I work night shift. I sleep during the day. Im closing the business, I have gone bankrupt due to shipments getting lost, call your bank and file a chargeback dispute. XXXX has frozen everything so I cant issue refunds. ". I immediately filed a dispute with my XXXX credit card ( XXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX. XX/XX/XXXX I received a email stating that my request is acknowledged but they need some time to investigate. When I made my dispute they requested that I send the original invoice and the XXXX chat that showed the individual stating that I need to file a dispute with my credit card company. XX/XX/XXXX I received another response back stating that they were not going to investigate my dispute because the purchase was made more then 120 days ago. I immediately responded to the email stating that no investigation was even conducted because of the 120 days and that I was appealing this discion. I received no response back so I called them today XX/XX/XXXX ( after the weekend ), the response I was give on the phone was the same thing past 120 days good luck next time. I explained that end of XXXX early XXXX was my expected shipment arrival but they did not want to hear about it. I have consulted with a lawyer and was told to file civil litigation against XXXXXXXX XXXX XXXX XXXX but before having to go through that I was hoping that you may help me to get them to understand that I'm protected under the fair credit billing act through the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 my husband and I were interested in purshasing some XXXX XXXX concert tickets so we could bring our daughter to the concert. So we went to XXXX and found 3 tickets that seemed reasonable priced. We communicated with the seller and they explained that they could not attend because their daughters got in trouble and that they were not going to reward the daughters and were just interested in selling the concert tickets. So they said they were about 3 hours away from us and asked us if we would be willing to send the money through XXXX and we said no that is way too risky and we got scammed using XXXX so they said would we be willing to send the money using XXXX through our bank of Wells Fargo. And we thought well surely if anything went wrong our bank would protect us. So we sent the {$160.00} to this person and they were suppose to send us the concert tickets via transfer using XXXX. Well they never came and we tried contacting the seller afterward and they never responded again. So we went to our bank and they said sorry because we willingly sent to the money hat there was nothing they could do. So they gave me XXXX   costumer number and I filed a complaint with them and I have never heard from them and it has been 10days and they said someone would get back to me within 2 day. That is basically what happened.
Product: Debt collection

collection agency -afni -amount XXXX -this goes back to 2015 -the company is XXXX -i cancelled them in XXXX 2015 -owing them nothing -in XXXX 2015 i recieved a letter stating, that they terminating my service due to none payment -this the XXXX collection agency -all i wanted is an itemized biil -which no one can prvide me -if they did and i felt i owe this, id have pad this by know -but instead they chose to report me to the credit reporting agencies - this time its XXXX - maybe you can forward tis to themm, and advise of further actions i can take against afni - thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me
Product: Debt collection

I have debt with American Express and have been receiving phone calls/messages from agent of theirs. This agent has called my personal desk number and cell number, and is now attempting to contact me via my employer 's Human Resources Division. I provided American Express with my personal cell number and my desk number to directly contact me. I have never allowed/provided American Express with contact information of my employer 's Human Resources Division. I received an email from my Human Resources Division that an American Express agent named XXXX @ XXXX has made contact with them regarding my account. They are wondering why my personal finance calls are going to their office. I am wondering the same thing too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan on Friday, XX/XX/XXXX with a local credit union where I live. They were unable to pull my Equifax credit report as it was " frozen ''. I tried to access my free Equifax report through XXXX and the Equifax website and both said that my credit report could not be pulled. I tried to resolve the issue using the Equifax chat customer service line, which directed me to call in to their customer support. So I called into customer support, sat on hold for 30 minutes, and spoke with a man with a thick, hard to understand accent who told me that I answered his extremely difficult to understand questions incorrectly and to mail my SSN, driver 's license, two forms of ID, and a cover letter to the Equifax dispute center. The main issue here is that I have never frozen my credit or requested that it be frozen. Until today, I have not visited the Equifax website or called into Equifax customer service. I would like my credit unfrozen immediately as it is hindering my ability to get an auto loan.
Product: Checking or savings account

I was charged {$36.00} on XX/XX/2022 and {$36.00} again on XX/XX/2022 for an {$8.00} purchase twice and I've been getting charged since XX/XX/2022 I made countless complaints even thinking that someone had stolen my card so I ordered a new one and I'm still being charged these ridiculous overdraft fees and I'm sick of it
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately.

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Discover Finacial Services applied an unauthorized inquiry to my credit profile without my permission. I do not have an active or open account with Discover Finacial Services. I request that this inquiry be removed from my profile immediately and updated. In citing 15 U.S.C 1681N this matter will be corrected and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX also this account : US DEPT ED XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.
Product: Credit reporting or other personal consumer reports

I have an issue with XXXXXX/XX/XXXXregarding a reported late payment for XX/XX/XXXX. Ive always paid my bills on time and have had autopay set up for 73 consecutive months. Two months prior to XX/XX/XXXX, I made a large payment of over {$1000.00} to reduce my balance. However, XXXXXX/XX/XXXX reported me as 30 days late in XX/XX/XXXX, even though I never received any notice saying my autopay was turned off, and I had no idea it was no longer active. They never sent me any reminders or notices, either by email or mail, despite me having autopay set up since XXXX. As a result of this late payment report, my credit score dropped by 80 points. Then, in XX/XX/XXXX, they inaccurately reported me as late again, which was not true because I was on autopay. Causing another point drop and denial of credit. After disputing both XXXX and XXXX, they fixed XXXX but refused to correct XXXX. As a result, my business credit card limits were reduced. I continued disputing the XX/XX/XXXX late payment, explaining my good payment history, but XXXXXX/XX/XXXX denied my challenge. I focused on what I could control and continued contacting them. They never sent out any information. Now, in XX/XX/XXXX, theyve reported the same XX/XX/XXXX late payment as late again, causing another 60+ point drop in my credit score. This has negatively affected my ability to apply for loans for my business and caused difficulties with possibly jeopardizing my business and how I can pay my employees all due to a {$73.00} payment in XXXX being reported several times by this company. Not one bill reminder or email sent until XX/XX/XXXX after their investigation. They have grossly mishandled my account, caused great hardship and refused to allow me to speak to any supervisor on the 6 times Ive called between XX/XX/2024. I need help and I dont know what else to do after this except file a lawsuit which causes even more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Money transfer, virtual currency, or money service

I'm XXXX XXXX THEIR BANK ITS PNC I WENT CASHING MY PAY CHECK THEY CHARGE ME {$21.00} THIS IS THEIR OWN PAYCHECK I WOULD TO DO A CLASS ACTION AGAINS THE PNC THIS IS MY THIRD COMPLAINT NO ACTION HAHE BEEN TACKING I WAS A CUSTOMER THEY STOLEN ALOT OF MONEY FOR RIGHT NOW ENOUGH IT'S ENOUGH THANK YOU IN ADVANCE FOR YOUR CORPORATION.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XXXX. XXXX, 2021 and I sent in 609 letters and have yet to receive a response back from the bureau or the creditor. I sent in supporting documents and I have called multiple times to get the problem solved. It has been past 90 days and i have yet to get results back from an investigation and the inaccurate information on my credit report has hindered me to apply for new credit. The bureau is neglecting the FCRA laws.
Product: Mortgage

Submitted PMI removal form on XX/XX/year>. Was advised the entire process would take 30 days end to end. 

Called customer service on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX On XX/XX/XXXX and XXXX I was told my request was being processed and that I would get a call by XX/XX/XXXX to schedule either an appraisal or XXXX. 

XXXX XX/XX/XXXX and XXXX I was told Id get called by XX/XX/XXXX for the same reason. On XX/XX/XXXX I was told I would hear back about appraisal or XXXX  by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, was told on multiple calls that the PMI removal has been approved and that RoundPoint is working on final checklist to remove the PMI from my account, which should be done by XX/XX/XXXX. 


On XX/XX/XXXX I was told they needed a receipt for one of the home improvements I had done, which I only found out about because I called them to ask why the PMI hadnt been removed. On XX/XX/XXXX I called to follow up and they told me they needed ANOTHER receipt for a different impovement and that they would like me to resend them information I had previously sent on XX/XX/XXXX ( type of improvement + cost ) in a single email with completion date and both receipts. This is all information I had and could have easily provided previously. Not only did they not ask for it, their representatives maxed false assertions that my PMI removal had been approved when it clearly had not been. When I called on XXXX XXXX, I was informed that the XXXX had JUST been ordered that same day, well after the 30 day window had passed. Round Point is not operating in good faith and making false assertions to their lenders which is costing their lender ( me ) significant time and money.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX
Product: Credit card

Discover is overstating my current balance. They list the following information. 
Last statement balance : {$240.00} Recent transactions : {$69.00} Recent payments and credits : - {$25.00} Current Balance : {$370.00} If you do the math that amount should be {$280.00}. There is only a pending charge for {$9.00} showing on my account so it ca n't be due to pending activity.