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

I paid my bill in full on they have overcharged me in interest and fees. They refused to remove a 34.00 interest charge from my account. I paid my bill in full. They took away my rewards and my account has always been in good standing. I would like Bank of America to remove this fee from my account. They are going to report my account negative because I refuse to pay for this overcharge in fees.
Product: Debt collection

On XXXX XXXX, 2015 my legal representative sent documents trying to verify the debt Second Round LP is trying to collect from me and also verify that they are legally allowed to collect in the state of florida. Their response has proven they can not verify the debt, are just trying to collect a made up amount of money from me and are not legally allowed to collect in the state of florida. This debt is also 8 years old and they are still reporting to the credit bureaus and have now ruined my chance of purchasing a house for the next year which means I 'll have to rent again and waste thousands of dollars I ca n't afford to lose.
Product: Mortgage

On XXXX/XXXX/2017, at XXXX XXXX, I received a phone call from Wells Fargo 's representative XXXX XXXX. She acknowledged my complaint but once again refused to allow me to record the conversation. She insisted on not providing the timely response, by stating the next follow up phone call will be on XXXX XXXX, which is over two weeks from today, knowing that we have been deceived before with false deadlines and exploiting our patience and generosity. This process has been going on for many months and Wells Fargo keeps refusing to release the appraisal in the acceptable format.
Product: Vehicle loan or lease

I refinanced my XXXX XXXX with another company and Hyundai processed an additional payment in XX/XX/XXXX. I have been trying to get a refund since then. Hyundai assures me that they will send the payment for the overage of $ XXXX. I called them on XX/XX/XXXX and was told the check will be mailed. The last communication was on XX/XX/XXXX. I asked if they could transfer the overpayment into my account because I have been told numerous times that the check would be mailed and I have not received it yet. Hyundai told me the payment would be mailed that day of XX/XX/XXXX. To date I still have not received the payment.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

I filled out a form on XXXX, inquiring about HELOC rates. I was matched with a lender who called to let me know they could also refinance our existing mortgage to get rid of PMI. The interest rate they initially gave was higher ( 4.25 % ) than our current rate ( 3.875 % ) so we agreed to pay a point ( {$3700.00} ) to get the same interest rate. The closing costs came in at {$13000.00}, with {$2800.00} for origination fees and {$1600.00} in underwriting fees. Based on our high credit score ( XXXX ), these fees are very high for a refinance ... we didn't even pay that much when we originally closed on the home four months ago. 

I received documents in the mail a few days ago for a RESPA - " Revision requested by the Consumer ; Interest Rate Dependent Charges ( rate lock ) ''. The new closing costs fees rose to  {$21000.00} with {$10000.00} being for 2.75 % points that I never requested. I reached out to the lender, who said it was a mistake and apologized. Had I never asked about it, they may have tried to move forward with those astronomical closing fees. 

We started to feel as though the fees we were being charged were extremely high, so we sought out a local lender who could offer a second opinion and rate. We were able to secure a 3 % APR refinance loan and are only paying $ XXXX in closing costs with {$320.00} in underwriting and {$350.00} in processing fees. We decided to go this route, but needed to transfer the appraisal that we had paid for with the original lender. 

When we asked for the appraisal to be transferred, the original lender said it was not possible and he did not have access to this. When pressed further, he claimed that it was " not required. You'll be fine. Best of luck! ". Obviously, he is upset that we cancelled our loan with his company and we now have to have the appraiser come back out for a reinspect fee. 

The original lender was pleasant to work with until we cancelled the loan request. Once he knew we were using a different lender, he offered to match their rate/fees ... why wasn't he able to do that in the first place? Additionally, the fees this lender is charging is suspiciously high, given the record low mortgage interest rates we are experiencing.
Product: Debt collection

A Company Name TEK COLLECT Has An Derogatory Mark On My Credit And I'm Looking To Have It Removed. The Date Reported Is XX/XX/2018 In The Amount Of {$480.00} - It States Its From A Bank Institute with The Age Of 2 yrs And 7 months with Highest balance {$470.00}
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES EQUIFAX FRAUDULENT UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XX/XX/year>
Product: Debt collection

I sent a letter to Experian on XX/XX/2024 and asked them to validate this alleged debt. This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices.

More rights were violated when this debt collector used abusive and profane language against me in communication to collect on an alleged debt, which is a clear violation of 15 USC 1692d and constitutes harassment or abuse.

According to 15 USC 1692 ( 2 ) it states this ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 





I demand that this company remove account XXXX XXXX XXXX XXXX from all three credit reporting agencies due to the violations. If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting or other personal consumer reports

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a request to delete some items from my credit report to Equifax via certified mail. It has been over a month. These items resulted in identity theft from creditors that I do not know about. I was also a victim of their very own data breach. 

The accounts that are fraudulent and I have even filed a police report for are the items below. 

XXXX XXXX XXXX XXXX XXXX XXXX I sent in a notarized affidavit stating that these items are not mine. ACCORDING TO THE FCRA 605 B, EQUIFAX IS SUPPOSED TO BLOCK THESE ITEMS WITHIN 4 BUSINESS DAYS. WHY IS IT THAT EQUIFAX IS THE ONLY ONE BREAKING THE LAW. XXXX  AND XXXX  COMPLIED BUT WHY ARE THEY TAKING IT UPON THEMSELVES TO VERIFY A FRAUDULENT DEBT. THIS IS ILLEGAL AND VIOLATES MY RIGHTS AND VOICE IN THIS MANNER According to the FCRA 605 B ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report Inquiry on the following dates from Clarity Services  Inc. :   XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX  Reports pulled/Inquired in little over 5 months, which I believe they are only allowed  XXXX  per calendar year even if from another company they are acting on behalf of. I called the company listed above about these report pulls and they had told me they are pulling the reports for another company and refused to provide this information unless I provided additional personal info to them.
Product: Credit reporting

Negative information should be removed after 7 years from the credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, IL XXXX is reporting information that is over 7 years old. I asked Equifax to find out the date when this debt was open and became due and they just ignored my question. I also asked Equifax not to put the date of birth or SS N on the reports they send to me because my mail has been stolen several times. They refuse to do so. Negative information that is over 7 years old should be removed from one 's credit report.
Product: Credit reporting or other personal consumer reports

ABC Motor Credit is reporting the account was written off in XXXX of 2023 I never received a 1099 C Cancellation of debt from them, fraudulently reporting a balance on my credit, my phone number is still the same my email address is still the same, since they wrote this debt off for a tax break and never sent me a 1099 I would like this fraudulent information removed from my credit report or I will be reporting this information to the IRS.
Product: Credit reporting or other personal consumer reports

I received a a yearly credit report XX/XX/XXXX, and I see that XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes.

I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS XXXX Internal Revenue Service ), and ( Better Business Bureau ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, XXXX XXXX
Product: Credit card

Cash app closed my account for no reason. When I called them they XXXX  violated policy which I hadn't. Even the person I spoke to said they don't see why it was close.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party, CAVALRY PORTFOLIO SERVICES and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates the third party 's claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. The third party to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case CAVALRY PORTFOLIO SERVICE failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing CALVARY PORTFOLIO SERVICE actions in attempting to collect on the note are in violation of my rights under the UCC, as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that CALVARY PORTFOLIO SERVICE ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.
Product: Debt collection

( During transition from XXXX to XXXX phone service ) On or about XX/XX/year> I was called by TSI concerning collection of a XXXX bill I was unaware of. I recently received a letter demanding explanation of this debt of XXXX. The final bill with XXXX has long been satisfied. 

Upon communication with XXXX it was brought to my attention that the bill was not in default and that XXXX had not enlisted the services of TSI. Which begs the question how did they know the amount due on my final bill, and why and how are they intruding on my privacy and harassing me and threatening my exemplary credit rating? I suspect some type of data breach or data base infiltration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act SYNCB/PAYPAL CREDIT CARD Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Company Name : AARGON AGENCY Address : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Account Number : XXXX Phone Number : XXXX Amount claimed owed : {$310.00} I am writing to dispute such inaccuracy on my credit report. This account listed on my credit profile are an account that I have absolutely no association with, no signed agreement, never been lent any money. I reported this information to the Federal Trade Commission and I also filed an Affidavit. This company is violating my rights as a consumer. Please be advised that this Unverified ACCOUNT remained on my credit report, which is a violation. I have yet to receive original documents pertaining to this account information thats being disclosed as a debt on my credit report. Im supposed to receive all original documents from the original creditor to verify that the account is in fact mines, which is a requirement by LAW. Since I have yet to receive any such documentation, Im asking that this account be removed immediately from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these 3 accounts inwhich is not mines but has appeared on my credit report. I'm asking that the 3 major credit bureaus remove these accounts from my credit report. The accounts are # 1 XXXX {$250.00}, # 2 XXXX XXXX XXXX {$290.00}, and # 3 XXXX XXXX. Please remove these unauthorized unknown accounts.
Product: Debt collection

I have been disputing this supposed debt for years not to mention that it is a debt that was from identity theft. Also they say the account was opened on XXXX the XXXX 2019 which is clearly a lie because i was in the hospital after having complications for a XXXX which led me to go back to the hospital XX/XX/XXXX so i dont know how i could have possibly commited this fraud!! This company want listen but they will call and harrass you about a debt that is not even your even when you try to explain the beome XXXX and wont listen but will call you XXXX plus times a day to collect money that you do NOT i repeat DO Not OWE THEM!! WHY NOT LEASE XXXX/TEMPO  IS THIS COMPANYIES NAME TWO NAMES MEANS SOMETHIG IS VERY SHADY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for this company, i don't recognize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax and XXXX an account balance of {$2300.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble getting Equifax to investigate incorrect information they have on my report. They verified inaccurate information so I took the issue up with the creditor who placed it there and they failed to respond back to me and never provided proof of their reporting. I also sent new information to Equifax and they did not investigate it. They violated the Fair Credit Reporting Act by not conducting an investigation. This inaccurate reporting is causing my scores to go down and it's stressing me out and the creditor is aware of what's going on.
Product: Credit card or prepaid card

I contacted Paypal in XXXX to ask for a payment extension because I was not working due to COVID 19, instead the representative insisted that I enroll into a payment arrangement that would lower my payments and will stop them from reporting late on my credit report. 
I agreed to the arrangement, but that was not what happened. 

I made a payment and was told that all is well and that I should continue to make regular {$40.00} payments for 6 months. 

On XX/XX/XXXX I spoke with a Paypal representative to make a payment, but their systems were down. I attempted to logon to my online portal to make the payment but was unable to do so, which has been happening to me for months. When I request assuistance with accessing my account, an agent is never available to chat with me and getting a phone number to speak with someone is almost impossible. I was finally able to make a payment a week later, which at this time, Paypal had already reported my account late. I spoke with a supervisor and was told that although their systems were down, it was my responsiblity to continue tro contact them to make the payment. I did that and was unsuccessful and thus Paypal decided to report me late twice for an issue that was their fault. I did what I was supposed to do and they were unable to assist me at the time I was making the payment, which was on a Saturday. When I was able to make a payment, it takes days for the payments to post, again causing me to appear " late ''
Product: Credit reporting or other personal consumer reports

Today, XX/XX/2024, Credit Karma reported my XXXX score dropped XXXX points. Credit Karma shows why a change occurred ; it shows that there were XXXX changes. However, none of the XXXX changes that occurred can reasonably be what caused a XXXX point drop. The XXXX changes were : a balance increased XXXX on XXXX line of credit account ( not a major change to trigger a XXXX point drop ) ; a balance decrease on XXXX separate credit cards ( I emphasize " decreases '' ), and XXXX name of creditor changes ( each was for the same creditor though, XXXX ). This is very strange. I have screenshots to share. In sum, XXXX XXXX increase on XXXX line of credit, XXXX decreases on XXXX separate cards which are a good thing, and XXXX name changes should not trigger a XXXX point drop in a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX XXXX XXXXt # XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 : Also states a consumer reporting agency can not furnish account without my written instructions. 

15 u.S.C.1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX