23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

OneMain is charging me 17.20 % interest on my car loan dated XXXX/XXXX/2014. Yet I just purchased a car and was financed elsewhere at 5 %. I asked OneMain if they would refinance me now that my credit is better and they refused. I have held off the last few payments as I have tried to get them to redo the loan at a fair rate. Instead all they do is harass me making phone calls to me from XXXX disserent numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX. I am making a complaint to Equifax in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results stating Equifax is not reporting the account. I am disgruntled with Equifax 's professionalism as you stated you are not reporting XXXX XXXX, however it is still on my credit report per myEquifax. 

Again, this violates my rights and is against FCRA and FCDPA. 
Not to mention this is way out of the 15 day window of validation, yet this is still reporting! 
I demand Equifax to update my credit report immediately and send proof of so via mail. 
Thank you,
Product: Payday loan, title loan, or personal loan

My citizen 's one XXXX loan is overpaid by {$130.00}. Both the online system and the representative on the phone ( called today, XX/XX/19 ) admit the overpayment and that these funds are due to me. However, they state that they are too busy and they have no idea when they will be refunding the overpayment. 30 days have already passed and no refund has been issued. The representative refused to tell me when the refund would be issued. The amount is not in question. The overpayment is not in question. The bank simply states they are too busy to process the refunds in a timely manner.
Product: Debt collection

Called my supervisor and harassed my supervisor about me, leaving threatening messages on my cell phone and work phone.
Product: Credit reporting or other personal consumer reports

THE ACCOUNT IS SHOWING AS A CHARGED OFF AND STILL SHOWING LAST REPORTED WITH CURRENT DATE AND IT SHOWING A BALANCE
Product: Debt collection

Husband was taken to ER and seen by ER doctor before being admitted to the hospital. All claims pertaining to this admission have been paid correctly with the exception of the ER doctor. I believe the original claim was not filed correctly and the hospital was paid instead of the doctor. I have an EOB showing that the amount they claim due was paid to the hospital by our secondary insurance carrier less than one month after the claim was filed. I have been told on more than XXXX occasion that because my husband is the subject of the claim, but not a party to it, the information they can give me is limited. I have made XXXX XXXX XXXX XXXX phone calls to various entities and sent XXXX letter with copies of all pertinent information at my disposal in an effort to clear up this matter. It is my belief that the original claim as filed by the hospital was not done correctly and therefore the funds were paid to them instead of the ER doctor. Much to my dismay I have not been able to get them ( at least they have never told me they had XXXX to go back to the original filing by the hospital to determine if indeed this is actually the problem. If I am correct in this regard, then the hospital owes the ER doctor the balance, not us. I did check with Medicare and was told that they must submit all claims to the secondary insurer as shown on the paperwork submitted to them. When I spoke with the secondary insurer they did assure me that the claim had been paid in full but could not give me the check number ( again because my husband was not a party to the claim, just the subject ). They stated that they would be happy to correct any errors, if any, but the complainant must contact them by phone ( anything written would end up in the infamous " round file '' ). The complainant responded to me after I delivered this message that they could not contact the insurer by phone which seemed absolutely ludicrous to me. Any assistance you can give us in resolving this issue will be greatly appreciated. 
The ER doctor 's organization was advised in XXXX 2016 that any further contact by them or effort to collect this debt would be considered harrassment.
Product: Credit reporting 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. 

Account Name : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 card

I have a credit card from Bank of America. On XX/XX/XXXX there were multiple transactions happened in XXXX XXXX, CA location. Total transaction amount is {$270.00}. I reached out to Bank of America and they promptly reverted the amount and credit the amount back to my account. They started with investigation and found that the card is used physically but I never visited those places and I am in a different place at that time. But Bank of America is claiming that they checked with merchant and a physical signed was done during merchandising. Now Bank of America charged back to my card and I have paid to avoid any late payments. Please help me to resolve this issue.
Product: Checking or savings account

XX/XX/2023 : owned accounts between Wells Fargo Bank-checking and XXXX XXXX XXXX XXXX XXXX were linked for electronic transfers per Wells Fargo process . 
XX/XX/2023 : {$1000.00} transferred to XXXX from Wells Fargo. Transaction credit never acknowledged by XXXX. Trace ID provided by Wells. 
XX/XX/2023 : Spoke with XXXX on-line help to see why the deposit was not reflected in my savings acct. Spoke with Wells Fargo on-line transfer help line to see why deposit to XXXX was not made. Initial claim generated with Wells Fargo Claims Dept. Claim XXXX XXXX 
XX/XX/2023 : Wells Fargo closed claim per " miss-applied funds '' by XXXX. Wells went into my XXXX savings account and transferred {$1000.00} back to Wells account to close the claim. The original {$1000.00} transfer was never shown as a credit to my XXXX. 
XX/XX/2023 : FDIC Case XXXX XXXX filed on-line via the FDIC web site. 
XX/XX/2023 : Wrote a claim letter to XXXX at their XXXX XXXX XXXX Claims office for the missing {$1000.00} electronic transfer deposit from Wells Fargo. 
XX/XX/2023 : FDIC Case XXXX XXXXXXXX was referred to : The Office of the Comptroller of the Currency - complaint completed on-line Case XXXX XXXXXXXX. 
XX/XX/2023 : received a dated letter from the OCC Consumer Assistance Group referring my case to : Consumer Financial Protection Bureau. 
XX/XX/2023 : completed a complaint on-line with Consumer Financial Protection Bureau .
Product: Credit reporting or other personal consumer reports

I contacted Exeter Finance, and they spoke to me about settling the debt for 60 % of the total balance which was in the amount of {$2200.00} dollars. I completed that transaction, and docu signed the settlement agreement. I sent this information to the credit bureaus and the company is still reporting the debt and stating I have a balance of XXXX. This is affecting my credit greatly and preventing me from having a credit standing that will allow me to buy a new car. I would like this debt removed from my credit report.
Product: Debt collection

since XXXX this company is been charging me {$540.00} for an account that doesn't belong to me. I called them and disputed this account and nothing has been done. On XX/XX/XXXX they charged me again {$560.00} which does not belong to me. I asked them for the agreement contract which I haven't received
Product: Credit reporting, credit repair services, or other personal consumer reports

i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX  and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with zero balances. thank you Sincerely, XXXX Veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open ANY account with " THE XXXX  XXXX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. XXXX 's and Equifax 's and XXXX 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with THE XXXX XXXX/XXXX, XXXX, and Equifax. on XX/XX/2023, XXXX investigated ( File Identification Number : XXXX ) and THE XXXX XXXX/XXXX  verified the account as accurate when it was not. The XXXX XXXX/XXXX  account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX account.
Product: Mortgage

Colorado emergency mortgage assistance program sent money to my mortgage company to bring my account current. On I called XXXX XXXX mr cooper , my mortgage company and The on XX/XX/XXXX a woman told me she was moving funds to help bring my account current and will pay for my XXXX and most of XXXX payment. I call back on XX/XX/XXXX and a woman tells me that with funds being moved it will leave me a balance of XXXX due not till XXXX. I call back after on XX/XX/XXXX and am told no funds where ever moved and she will do them for me. I call back XX/XX/XXXX and was told the lady on XX/XX/XXXX did not notate about moving any funds and they keep ignoring me when I say I want that call pulled and reviewed. I talked to someone else on XX/XX/XXXX and they tell me they requested funds to me moved but I have to bring the account to current before they move money that they was sent from the Colorado mortgage assistance program. The money was sent to be applied toward my monthly statements and they misapplied the funds leaving me owing for XXXX but I was funded for XXXX already but they didnt apply funds how they should be applied. They also sent my insurance a check this month but was due in XXXX so I lost my homeowners insurance due to that as well and now theres a missing check for over XXXX XXXX thats raising my monthly payment XXXX more
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the account numbers XXXX and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) 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. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting 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 Account # XXXX account name : Dept of educationXXXX XXXX XXXX has violated my rights. 

Account # XXXX account name : XXXX XXXX XXXX XXXX has violated my rights and is it applicable to me. 

Account # XXXX account name : XXXX XXXX, has violated my rights and irs not applicable to me. 


Hard inquiries : Ally financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states that 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 an 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 card or prepaid card

Company unlawfully flagged account ( XXXX ) as unpaid, fraud as a result of their apps error. Account ( XXXX ) reflect all payments as well as communications on record held by the company as well as private recordings held by customer in support of these affirmations. 

Capital One stated and/or otherwise affirmed that they paid from their private account funds totaling {$340.00} including interests and fees. 

Capital One stated that customer has a balance of {$340.00} available in the account which customer authorized them to utilize in paying off and settling any monies that are due or that customer is responsibly for in the amount of said {$340.00}. 

Capital One is obstructing the customer from benefits agreed upon and from unmolested use of the card both depositing, withdrawing, and proper credit reporting. 

Capital One is threatening to falsify credit reporting documents as well as share credit reporting and sensitive information concerning customer without consent and authorization. 

Customer DOES NOT CONSENT to Capital One sharing any information to any persons or agencies including but not limited to Addresses, Signatures, Social Security Numbers, Account History, etc. 

If the customer has entered into any agreements with Capital One knowingly or unknowingly whereby these actions are deemed permissible, customer has formerly and does currently reserve all rights and moves for the rescission of the agreement between Capital One unless immediate remedy and recourse is attained. Such remedy is to include but not be limited to reopening of closed accounts or reissue of new account or account eligibility. 

Additionally, it is unlawful to be denied credit or for any creditor to discriminate against any applicant as it creates an adverse action pursuant to : Title 15 USC 1691 Chapter 41 Providing Scope of Prohibition ; 15 USC 1681 Providing Congressional findings and Statement of Purpose 15 USC 1611 Providing for the Criminal liability for willful and knowing violation 12 CFR 1002.4 Providing for Discrimination, Discouragement, and Scope of Rule concerning dealings between an applicant and creditor.

Additionally, the illegalities of finance charges and down payments are defined, established, and lawfully remedied in : Title 15 USC 1605 Providing for the Determination of finance charges ; 15 USC 1662 Providing for the Advertising of downpayments and installments ; 15 USC 1635 Providing for the Right of Recission as to certain transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND USED MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a line of credit in the amount of {$1000.00} with XXXX XXXX. I am a long standing customer as well as my husband as his business account are with XXXX ( was known as XXXX XXXX XXXX as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, XXXX reported this to Equifax with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with Equifax which I know can't do anything about it without XXXX getting involved. My account is open and active and XXXX would not even send an update to Equifax and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. 
I filed a Complaint with Equifax but without XXXX cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. 
This is not how to treat a long standing customer. 
Thank you for your time. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureau do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I started a VA 'streamline ' refinance application with Quicken Loans ( QL ) on XX/XX/XXXX. I was told that I would be closing in XXXX back in XXXX to which I requested information regarding why I did not hear about the closing details ( phone record to XXXX, XXXX should be with QL regarding his assertion I would be closing in XXXX ). When that failed, I gave the benefit of doubt that due to COVID, they were behind and he assured me they would be able to close in XXXX ( Phone records should also show this by QL ). I called their company to find out why it was taking so long and the representative stated it does seem unusually long beyond even the 'normal ' delays/circumstances for it to be still waiting for closing ( 77+ days and counting ). I should have closed in XXXX starting my savings of well over {$600.00} dollars a month, only to be still here in XXXX without a closure to my refinance. To top it off, the client care specialist stated that 'Due to COVID restrictions verifications are only good for 10 days ' ... ..I would really like to see the regulations that say now due to COVID 'verifications ' are only good for 10 days, otherwise this is harassment on top of being mistreated on the loan process. I attempted to resolve the issue with Mr. XXXX XXXX by requesting the new mortgage rate ( 2.725 % down from 2.875 % ) and at least one month of savings ( {$660.00} estimated ) toward closing since they have failed to close me the last 2 months and now pushing to the 3rd month on a supposedly streamlined VA refinance. I really wished I went with another company, I feel either this team or the company has severely mistreated me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, ACCT NO. XXXX IS A COLLATERALIZED AUTO LOAN ACCOUNT APPEARING ON EQUIFAX.XXXX  XXXX IS THE LENDER AND ALSO XXXX XXXX IS THE MANUFACTURER OF THE COLLATERAL. 
I HAVE NOT PAID THIS LOAN FOR TWO YEARS.I WOULD LIKE FOR XXXX TO REPOSSESS THEIR COLLATERAL, PER THEIR SALES CONTRACT OR I WILL RETURN IT VOLUNTARILY. 
HOWEVER XXXX KNOWS WHAT I KNOW, THAT THE CAR HAS NO VALUE BECAUSE OF DEFECTIVE MANUFACTURING.NEVER SINCE XXXX XXXX WROTE '' UNSAFE AT ANY SPEED '' HAS THERE BEEN SUCH A XXXX AS THIS CAR WHICH WAS " XXXX IN XXXX '' .XXXX USED TO BE A RESPONSIBLE COMPANY.NO LONGER DO THEY HONOR THEIR CONTRACT OR THE IMPLIED WARRANTY LAWS OF CALIFORNIA.WE HAVE THE CAR INTACT UNDAMAGED FROM USE SITTING ON OUR PROPERTY.THE CAR HAS ALWAYS BEEN UNSAFE SINCE MANUFACTURE. 
XXXX HAS 2 YEARS LEFT ON THE STATUTE OF LIMITATIONS TO SUE ME FOR NON-PAYMENT.I WELCOME IT. 
FOR FORDS REFUSAL TO HONOR THEIR LOAN CONTRACT I WANT THIS LOAN REMOVED FROM MY CREDIT REPORT FOR THEIR FRAUD ( SELLING AND FINANCING JUNK UNSAFE VEHICLES TO THE UNKNOWING PUBLIC. 
I WOULD LIKE EQUIFAX TO DELETE THIS ACCOUNT FOR LENDER FRAUD, FOR FINANCING AND SECURITIZING A PRODUCT THAT IS VALUELESS.WE WILL NEVER OWN THE CAR, NEVER BE ABLE TO SELL IT, XXXX DOES NOT WANT IT EITHER BUT THEY WANT TO RIP ME OFF, RUIN MY CREDIT INDEFINITELY AND NEVER SOLVE THEIR PROBLEM.FORD WANTS TO EXTORT ME USING THE EQUIFAX CREDIT REPORT AS LEVERAGE AND THAT IS ALL THEY WANT TO DO. 
I WOULD LIKE EQUIFAX TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY FILE NOW AND LET XXXX NO LONGER EXTORT AND I AM HAPPY TO RESPOND IN COURT.