23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

when I applied for loan loan amout wasXXXX with a payoff of XXXX and my closing acutial was XXXX witch would of been a refund ofXXXX then they called me and said they messed up andput XXXX as the pay off witch I had to make up XXXX I don't know how and if they made that mistake they were the orangial loan and the refinance loan bank .so they redid my loan now its XXXX was185000 and took out XXXX to give me back at closing if I would of went with frist loan I would of got XXXX and appraisal fee back of XXXX they are doing something croked I was forced to sign new loan cause I would have trouble making old payment of 1973 new payment XXXX and frist loan was XXXX please help me understand this I never saw paper work about they put the pay off at XXXX and I asked on a recorded line if I could buy down points and they said I don't recommend that then they did it
Product: Vehicle loan or lease

I have already filled one complaint with this agency about the same transaction but because there is so much and it falls under several separate categories I dont know how else to do it. I have recently had to go look through my paperwork for my car loan and I was never given the actual financing terms or a copy of my loan agreement. I have been paying on my loan since 2019 and I have never even received a statement telling me what my balance is or my terms on my loan are. The paperwork I was given is just the price of the car my down payment and the taxes and different mandatory special financial add ons I had to buy. I was told I had to bring in a deferred down payment because I couldnt afford it at the time and like I stated earlier I never received a copy of my loan agreement. I just had a huge discrepancy on the amount that is listed on my credit bureau and the amount I received from my loan company.
Product: Credit card or prepaid card

I placed an order with XXXX XXXX XXXX website on XX/XX/XXXX at XXXX. After realizing the website was a fraud/scam I immediately emailed the company and requested to cancel the order, XX/XX/XXXX at XXXX. This company responded to my request via email on XX/XX/XXXX, at XXXX acknowledging that I had requested to cancel the order. Their cancellation policy per the website states, " cancellations must be done prior to the order being shipped. '' I then received an email on XX/XX/XXXX stating that the order had been shipped. This is 10 days after I cancelled the order, well within the time period. I have emails time stamped and dated showing this as fact which I have provided below. I filed a dispute with the credit card company since I did not receive a refund and provided them with proof that I had requested a cancellation well within the time frame. They denied my dispute stating they need documentation from the merchant showing they cancelled the order. I submitted proof that it was requested and that the merchant acknowledged that I had requested it be cancelled. The merchant did not cancel the order because they are a fraudulent company. There are many complaints on the FTC website about this company and the fact that they are scammers. This merchant is also claiming that the order was received. I have not received anything from this company. I have cancelled all of my accounts with the credit card company as they lied and stated that I would not be held liable for fraudulent transactions. Since this is a scam website, it should fall under fraudulent activity. I will not be paying for something that I cancelled or that I never received. They have been provided all proof of cancellation, the website policy for cancellations and all info related to this dispute. They asked if I would call the merchant number to dispute it with them. I called the number provided while on the line with Capital One and it is not even their companies phone number. Again, they are not a legitimate company hence I can not dispute it with them. I want the charge removed from the account and all accounts with this creditor closed. I will no longer be using Capital One as my credit card company.
Product: Debt collection

Document XXXX states that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. That document is 100 % Fraudulent. I have never lived there in my life! You can look up my rental history to verify. That alone should be grounds for removal. Document XXXX states the same thing. Both of these are fraudulent documents and can be proven by reviewing my rental history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make the XXXX XXXX inquiry on XX/XX/2019 and reported it as fraud to XXXX XXXX immediately and disputed the inquiry with Equifax and Equifax did not remove the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a routine examination of my Consumer Credit report with XXXX, I found a new collection account listed as XXXX XXXX XXXX for an alleged XXXX XXXX XXXX  debt. On XX/XX/XXXX, I opened a dispute via TransUnion online account page. 

Upon contacting XXXX XXXX service personally they could not provide me with any information as to the ownership of this account or documentation that it was my debt. They only offered high-pressure tactics to collect the alleged debt. They offered a partial settlement but no proof of ownership. Therefore, I disputed with the three major credit reporting agencies. 

The account was not verified with XXXX and the collection was removed from my consumer report. However, on XX/XX/XXXX I received an email stating that the collection account listed on my report with Transunion has been " verified ''. 

I have been a customer of XXXX XXXX XXXX since XXXX and still maintain an active, current account with active wireless service. XXXX XXXX XXXX shows no bad debt on my account. XXXX XXXX XXXX has drafted my checking account monthly for my monthly invoices and continues to do so. 

I feel like this is extortion. I have never received any notice of collection, any XXXX letter, I am unable to be provided with any proof of this debt being mine. However, without evidence, this bogus account continues to remain on my consumer credit report as if it is factual in turn costing me money in increased interest rates and denial of credit extension. This practice violates the law. Transunion states this debt is verified but can not provide me with any means of verification. I suspect no verification process was completed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection from the Enhanced Recovery Corp with XXXX XXXX XXXX. I have paid the debt to {$0.00} balance and it is marked as closed but I was told it would be removed from my credit report. Thank you for the awesome work you all do!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my 4 kids and wife. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Product: Checking or savings account

On XX/XX/XXXX my college told me to make a payment that was more than {$100.00} towards my balance in order not to get kick out of my dorm and my classes. I used my entire {$990.00} tax refund towards my balance like they asked. Two days later my RA tells me I need to pack and leave cause they wanted {$3000.00} instead of {$1000.00} and I didnt have that amount at all. I had no money to get back home to MD so I had to stay at a local shelter and missed all my midterms and finals. On XX/XX/XXXX I contacted Bank of America and told them about my serious situation and was told my claim would take XXXX days. And I couldnt get a temporary credit at all. Im currently still at a shelter in NC. The last update I got was that the college lied to the bank and told them the {$990.00} payment I made on the college website doesnt exist at all even though I have several receipts with the invoice number, the college website it was made on and the transaction history with my name on it. the bank told me I would get the money back this month but now there giving the college until May to respond again. I WANT MY MONEY BACK. the bank lied to me and told me 45 days which has passed and now there giving them until the end of MAY. NO COLLEGE STUDENT SHOULD HAVE TO END UP HOMELESS LIKE THIS AT ALL.
Product: Credit reporting or other personal consumer reports

Please see supporting documents pertaining to Equifax data breach.
Product: Debt collection

I have an ALLY FINANCIAL charge-off on my credit report that should have been covered by my GAP insurance. When I called they said that I was not covered for this debt because I had a late on the account. There is nothing at all in my contract that states my GAP coverage would not charge if there was a late on my account. I want this debt and account removed off of my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Experian : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 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 make 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 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.

15 U.S.C 1681 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 make 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 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. Delete account immediately.

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Here are the following inquirie XXXXXXXX XXXX of XXXX has violated my rights. 
XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights.
Product: Credit card or prepaid card

I paid off my credit card balance of aprox XXXX XXXX short. I expected to get charged 19.99 % interest on XXXX. Instead Capital One chrged me 19 % on my average monthly balance of XXXX even though they only had an over 30 day balance of XXXX I believe this is deceptive and Capital One should change % of balance remaining or % of average daily balance which ever is less. Capital One XXXX XXXX XXXX ID XXXX said she will report it under XXXX but I want to make sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company and informed them that this an unauthorized transaction I didn't give permission to run my credit, I ask them to validate these inquiry. 

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602A. 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 an account without my written instructions.

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX { XXXX ) 15 U.S.C. 1681 section 602A. 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 an account without my written instructions.

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S.C. 1681 section 602A. 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPEDXXXX Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DEPTEDXXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDNXXXX Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER DEPTEDXXXX Account Number : XXXX Delete this account. 


10. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$1000.00} online payment to the XXXX XXXX XXXX Funds are not credited to the account yet. I received the following answer when I complained online : Normally payments and transactions take 48-72 hours to post. However a payment may take longer to reflect in your available credit due to : Previous Returned Checks Payments on new accounts Amount of Payment I expect the bank to credit my account as soon as it receives the funds. That is my experience with my other accounts at XXXX XXXX and XXXX credit cards.
Product: Mortgage

My name is is XXXX XXXX. I am presently going through a XXXX, and my husband is XXXX XXXX. I don't say that, like so many XXXX. I say that because it's absolutely true, and I am refinancing our house to pay him out, so he'll get out of our home, where my XXXX year old daughter has left, and won't come back until he is gone. I left the mortgage to be paid by my husband last XX/XX/XXXX, and one time in XX/XX/XXXX. Both times he claimed he paid it, and didn't. I've since taken it out of his hands completely, and I am the financial bred winner in this household and family, and don't trust a thing he says anymore. BB & T has been fiddling with this forever. I was NEVER 60 days late as they are reporting. When I found out he didn't pay in the months of XX/XX/XXXX and XX/XX/XXXX, I took care of it immediately, and told them what he did, and I rectified it. They have been reporting me 60 on this mortgage since those months happened. I am refinancing this loan to get my husband out, and these people are just going in circles, there is nobody to talk to? I called and one person told me 5 days, and the other told me possibly 45 days? I never was 60 days late, and it's taking forever and a day to get anything from them, while my life falls apart at the seems, because my husband is torturing me on a daily basis in this home, and I can't get him out due to BB & T 's inaccurate reporting of our mortgage. Please help me before it's too late.
Product: Debt collection

XX/XX/XXXX I began a small account with XXXX XXXX XXXX  for our wedding rings. The account started off with us owing approx 1500.00. It was a 12 month interest free plan with the interest rate after the 12 months showing 28.99 %. 

Unfortunately we were not able to pay the bill off within the 12 months, but came very close and after our two XX/XX/XXXX payments cleared we only owed XXXX left. 

XX/XX/XXXX XXXX XXXX XXXX sent a letter that XXXX XXXX XXXX was ending their partnership with TD Retail Card Services and according to their letter " TD Bank will continue to send you monthly statements in accordance with your cardholder agreement. '' Tonight I open my statement from TD and they state that my interest on the remaining XXXX balance is XXXX, so I now owe nearly double at XXXX. I understand there will be interest, but obviously 28.99 % of XXXX is not anywhere close to XXXX. They more than doubled what I owe in interest rates in one month.I can not believe it!

I tried several times to get through on their 800 # and nobody answers.They want you to print and mail in a dispute form, but if my interest is doubling what I owe every month there is no way I can wait for a letter to arrive and them to take the time to investigate my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights.

15 U.S.C 1681 section 602a states I have the right to privacy.

15 U.S.C 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681, have been violated by the list of accounts provided. I directed Equifax to conduct a reinvestigation into the following accounts : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX Equifax keep sending a computer generated letter stating that everything was accurate and complete. This assertion raises questions, especially considering discrepancies in the open date, date of last activity, and other details. According to 15 USC 1681i ( 5 ), these agencies are obligated to modify accounts that are not accurately reported. 15 U.S.C 1681, Section 602 A affirms my right to privacy. In Section 604 A, subsection 2, it stipulates that a consumer reporting agency can not furnish an account without my written instructions. Section ( a ) ( 5 ) of 15 U.S.C 1681c states that no consumer reporting agency may include certain adverse information in a consumer report, excluding records of convictions of crimes that antedate the report by more than seven years. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Furthermore, it's evident that the credit reporting agencies are not in compliance with Metro 2 credit reporting standards. I possess evidence supporting my case. I am a victim if identity theft and Equifax data breach. I have attached a copy of the police report as well as a copy of the email were Equifax sent me a check for my personal information being apart of the breach. Despite requesting an independent discretion and providing all necessary documentation to prove the proper verification of these accounts, I have received neither. Instead, I received another computer-generated letter devoid of any supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My merged credit report has inaccurate information. I've tried tirelessly to get this information removed. 

According to XXXX XXXX XXXX section XXXX states, I have the right to privacy XXXX XXXX XXXX permissible purpose section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without written instructions XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose. 



XXXX XXXX Equifax Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX XXXX Date of origination XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX last payment XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Equifax. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$23000.00} XXXX {$23000.00} Equifax XXXXX Date of last activity XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Equifax. XX/XX/XXXX Last payment XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capio Partners listed 3 accounts in the amounts of {$1300.00}, {$520.00}, and {$160.00}. I have medicaid and should not have these on my credit. I would like these removed immediately!