23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Potential TILA Violation : Issue : The TILA requires that the finance charge includes all fees and costs associated with the loan. If the finance charge does not accurately reflect all such costs, this could be a violation. 

Upon reviewing the provided document, here are some key observations : Annual Percentage Rate ( APR ) : 30.34 % is disclosed. 
Finance Charge : {$3700.00} is disclosed. 
Amount Financed : {$5000.00} is disclosed. 
Total of Payments : {$8700.00} is disclosed. 
Payment Schedule : The schedule is clearly outlined, with the first payment due on XX/XX/year> and subsequent payments on a monthly basis. 
Late Charge : 5 % of the entire amount of the payment if not paid within 10 days after the due date. 
Evaluation : Finance Charge Components : The document does not provide a detailed breakdown of what is included in the finance charge. TILA requires that the finance charge include interest, service charges, transaction fees, loan origination fees, credit insurance premiums ( if applicable ), and any other fees imposed by the creditor as a condition of the extension of credit.
Product: Mortgage

I live in California and my mortgage company is located on the XXXX XXXX. I regularly make my mortgage payment on the XXXX, the last day before a late fee is charged. The remittance coupon clearly states that " If payment is received after XXXX, a $ XXXX late fee will be charged. '' The coupon does not state that the payment needs to be made according to XXXX. I called my payment in prior to mid-night XXXX on the XXXX and was charged a late fee. If the payment is reflected as the XXXX on my statement the next month, should I be charged a late fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made inquiries into my consumer credit profile without my consent and without my authorization. I have disputed these fraudulent inquiries with the consumer credit reporting agencies, XXXX & XXXX but those agencies have not proven the validity of these inquires. I have also contacted the fraud departments of both agencies with XXXX progress made to remove these inquires. 


XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/2021 ALLY FINANCIAL
Product: Credit reporting or other personal consumer reports

My accounts were always on time! With XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI bank CBNA has done a hard credit inquiry on my credit record without my approval. 

Incident date XX/XX/2021 company involved CITI CARDS/CITIBANK Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On or around XX/XX/2024 I applied for a personal loan with SoFi for {$40000.00} to invest in cryptocurrency. An individual online had befriended me in a romance scam online and proceeded to scam me out of the cryptocurrency by using a fake investing platform ( website ). I have filed a police report and report with the FBI to try and track down the party responsible for stealing from me. That said, I have a complaint against SoFi in that I should not have even qualified for the personal loan in the first place. I provided paystubs showing I earn approximately {$60000.00} per year and I already had a car payment of {$500.00} per month, a personal loan with XXXX  I had taken out previously for {$25000.00} with a {$20000.00} balance still remaining and other living expenses! The monthly payment to XXXX  is {$830.00}, I pay approximately {$1100.00} per month in rent, {$140.00} per month to XXXX, {$180.00} per month to XXXX XXXXXXXX and so on... Based on income I should not have qualified for a loan with SoFi and if denied, would not have been able to invest money which was fraudulently stolen from me. SoFi committed predatory lending and lended to me based on a credit score rather than an ability to pay!
Product: Mortgage

The lender changed closing dates and times twice and did not communicate with closing company. They cost parties money by doing this. When getting confronted about closing changes they stopped a close date again. At closing the package that was emailed over was full of errors. Thankfully XXXX XXXX were able to find errors and fix. The closing was set for XXXX. By the time the lender sent over correct paperwork it was XXXX XXXX. All parties waited. Completely unprofessional.
Product: Debt collection

I called up both companies and let them know that there was inaccurate and incomplete accounts on my consumer report and I would like that they would be removed and deleted from my credit report immediately.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY A XXXX  Balance {$460.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I am writing to formally request the removal of a collection account and any related inquiries from my credit report. The account in question has been resolved, and I am seeking to have it removed from my credit history as it no longer reflects my current financial status. 

Here are the details of the collection account that I would like to be removed : Account Name : AFFIRM Date Reported : XX/XX/year> Collection Amount : {$480.00} I have already settled or negotiated the outstanding debt, and I have attached [ proof of payment, settlement agreement, or any relevant documentation ] to confirm the resolution. Additionally, any inquiries related to this account should also be removed from my credit report, as they were based on outdated or incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request that inaccurate or outdated information be removed from my credit report. Since this collection has been resolved and no longer accurately reflects my creditworthiness, I respectfully request that it be deleted from my credit history. 

Please let me know if you require any further information or documentation to process this request. I would appreciate your prompt attention to this matter and a written confirmation once the changes have been made. 

Thank you for your time and assistance. 

Sincerely, 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 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. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to CREDIT BUREAUS to update the inaccurate accounts which another credit reporting agency found to be inaccurate and had corrected. Due to lack of response which I classify as frivolous, CREDIT BUREAUS have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please update the following accounts, DEPTEDXXXX XXXX Balance {$2000.00} and DEPTEDXXXX XXXX Balance {$4500.00} which XXXX, XXXX and TransUnion have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the accounts listed.
Product: Checking or savings account

I WANT TO CLOSE THIS ACCOUNT. KEEPS CHARGING ME FOR OVERDRAFT. THE XXXX  XXXX TOOK 120 DOLLARS AND THEN I RETURNED IT BY 130 DOLLARS. I WAS CHARGED XXXX XXXX DOLLARS. PLEASE FREAKING CLOSE THIS XXXX ACCOUNT. THIS IS THE WORST BANK. I CANT CONTACT CUSTOMER SERVICE, THE MANAGER FIXED IT AND THEN DID NOT CLOSE THE BANK ACCOUNT. JUST CLOSE THE XXXX ACCOUNT. 
XXXX I DONT LIVE IN NEW YORK . I LIVE IN XXXX, KANSAS AND CURRENTLY IM OUTSIDE OF USA PHONE NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administor of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee.

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 usc 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure.

I would like the CFPB to HELP me get Equifax to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 usc 1983, as this is a complete misrepresentation of facts. 

I do not validate any of the negative information on my report nor do i consent to Equifax furnishing such information to third parties. 

All the negative items and all hard inquiries are to be removed immediately from my report. A truth of Affidavit has been sent to Equifax with an invoice for the 9 violations that I have found. I am seeking Civil Liability pursuant to 15USC 1640 of {$1000.00} per violation which totals up to {$9000.00} that Equifax is in violation of.
Product: Checking or savings account

On XX/XX/2020, Chase Bank closed our Savings account ( Balance when closed was {$880.00} ). My sister XXXX XXXX and I, are both account holders for this Savings account and neither of us were notified, whether by mail, email, text or phone call, that this account was going to be closed. I realized this when I was going to check balances online and noticed that the savings account didnt even show up as an active account. I went down to the branch the following day to find out why and was told by the VP of the branch that a check had been issued and was going to be mailed to me. This was the start of over a 5-month period in contacting Customer Service, Investigations, Risks and Fraud Departments trying to find out what had happened, why the account the closed and where/when I was going to receive the monies from that closed account. Every time I spoke with a Bank representative, supervisor, Case Manager or direct Branch personnel, I received varying stories of what happened. I still to this day, do not believe what Chase has offered as an explanation since it keeps changing although according to Chase, an active investigation has been going on since early XXXX. Throughout this ordeal we have never been contacted by any means for any update on this so-called investigation. On XX/XX/XXXX, I send out a Dispute Letter to Customer Service, JP Morgan and Chase Headquarters and Executive offices in the hopes that I would be contacted with an update and assurance that we would receive the monies in this account. I finally received a phone response from a Case Manager on XX/XX/XXXX that worked for the Branch Complaint and Escalation Group. Was told that she had no update or information that she could share with me. So its like she just called so that Chase could say that a contact had been made. To call me back to tell me that she couldnt provide any information was like a slap in the face. Why call then? I was a little XXXX to say the least as months had gone by with no luck trying to resolve this on the phone with the various departments or in person on several occasions with Branch management. The COVID-19 pandemic and very long phone wait times in getting this done did not help. I then asked that this be escalated higher up the chain as her response did not produce any new update. She assured me that this she was going to do this. On XX/XX/XXXX, I received a called from the Chase Executive offices who told me that they were looking into this and should have some news within the next few days. As of now, XX/XX/XXXX, I still havent received any additional information from anyone and just find the whole process very unprofessional and concerning. Interesting that Chase prides itself with excellent customer service as this is far from the truth. We need to have this issue resolved with no further delays and monies sent back to me via check as soon as possible. Please refer to enclosed Dispute Letter and additional statements and I have additional information if needed. Any and all assistance CFPB can do to resolve this issue would be greatly appreciated.
Product: Credit reporting

I paid XXXX XXXX Systems back in XXXX. They sent a letter to all XXXX credit bureaus and my wife and I showing that the account was satisfied in full. The problem is that all the credit bureaus are reporting this account in the remark section as " settled for less than full amount ''. I asked them all to remove the remark from this account. I uploaded and faxed documentation from XXXX XXXX XXXX showing this account was satisfied in full. It 's now XXXX, and we are in the final process of getting our first home, and the remark is still showing on our reports. We need to have the remark removed.
Product: Credit reporting

My name is XXXX XXXX XXXX and my husband I and recently sold our home in XXXX 2015. When I contacted my credit card company, XXXX account ending in XXXX, to update my new address it was misinterpreted. Instead of XXXX recording my address as XXXX, PA, it was recorded as XXXX XXXX. Not only was I not aware that my address was incorrect with the company, I never received my new credit card or my XXXX bill that was sent to the wrong address. I was not even aware that XXXX XXXX XXXX was the name of the new company as a result of their merger. I only realized that there was a blemish on my credit when my husband and I were applying for a loan for our new home. As you can see from my past history payment on my XXXX XXXX account I have very good history of paying my credit card on time. I am asking that you please look at this unique situation of our moving in XXXX, the credit card company having the wrong address and as a result we missed a XXXX payment and received a blemish on my credit score. I spoke with customer service at XXXX XXXX XXXX today, XXXX XXXX, 2015 and they made notation of this situation on my account. I am humbly asking you to please consider taking this off of my credit score. This missed payment would not have occurred if we had not moved and my address was correct. Thank you in advance for your time and effort given to this situation.
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 XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, 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 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, credit repair services, or other personal consumer reports

I am requesting that the following fraudulent inquiries are removed from my credit report. I did not authorize any of the following companies to access my credit report. 

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 XXXXXXXXThese are fraudulent inquiries, and request these are removed immediately. 

Transunion : 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 I have reached out to the companies, and bureaus by mail and phone to report these fraudulent inquiries. I have been exposed to several data breaches and also lost a personal wallet within the past year and that's why I do have the fraud alert on my profile. There has not been any investigation or signature presented to validate the authorization of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. I believe I did not sign any paper authorizing these inquiries. Delete them now : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

Received a phone call from XXXX at Wells Fargo today. She stated the letter I received with notification of an error and the {$200.00} check was sent out to many people. She said they are not stating there was an error. I play explained that is what my letter shows. She said it is not to be taken that way and also said that I have submitted the same complaint numerous times, and they will be replying in the same manner as they have each time and including the same copies. I explained that someone needs to review it thoroughly. She said our responses will be the same and you can keep filing over and over again but our review is not going to change. I asked if she was saying someone with a {$15.00} an hour job is going to be approved for a {$300000.00} mortgage? Her response was if you want to apply for a mortgage with Wells Fargo you can. I said well I had to make quite a lot more than that too get approved for my mortgage. However, when I tried to modify, they would not reduce my payment stating I could make an {$1800.00} a month mortgage payment while earning {$15.00} an hour at my job. She said their decision still stands and they will respond the same way each time no matter how many times I request a review. What type of review process is this? How is this beneficial to consumers? How does this help anyone if they are not looking into anything and just sending the same response? Wells Fargo is not being held accountable and your agency doesnt seem to care what they do to consumers.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXXXXXX XXXX XXXX # XXXX ). ( XXXX XXXXXXXX, XXXX # XXXX ). ( XXXX XXXX XXXX XXXX # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Re-investigate complaint XXXX