23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had refinanced my loan with XXXX and closed it on XX/XX/2020, after 2 days i had received a mail from XXXX that my loan is transferred to Chase Bank, and on XX/XX/XXXX i got a mail from Chase Bank with new Loan Number confirming that Chase Bank is servicing my Mortgage Loan, and there was no communication after that. 

So on XX/XX/2020 i called Chase Customer Support on how to create online login to schedule Auto-Pay for my loan, but the answer from them is " Loan is not transferred to Chase due to some issue ''. 

So i contacted XXXX, but they say they can not help, as my XXXX is transferred to Chase and when i contact Chase they say my XXXX is not transferred and asking me to contact my original lender ( XXXX ). 

i am not sure what to do, as i had closed my house on XX/XX/2020, and after 30 days still i don't know who is servicing my Home Loan.
Product: Credit card

On XX/XX/year>, I received a marketing email from American Express advising that I if I spent {$11000.00} more on my card, I would receive a free reward night. 

In early XXXX I requested a status of the amount I spent and the progress I made towards the free reward night. When I spoke with the customer service representative, I was advised that I had already received the maximum reward nights for the year and there was no record of the email being sent. I asked to go through the history of the free night rewards and it was confirmed the prior reward nights were awarded prior to XX/XX/year> and well ahead of the XXXX marketing email. I offered to forward the email so they could authenticate the email. A complaint was opened. 

On XX/XX/year>, I contacted American Express again and spoke with XXXX XXXX. He acknowledged by complaint and said that I had already received the maximum nights. He agreed the timeline of prior rewards were prior to the email. He instructed me to forward the email to him and acknowledged that it appeared to be an authentic email because my name and last five digits of my account number were included in the email. However, he couldn't award me the nights and suggested I wait a little longer for the complaint process. 

On XX/XX/year>, I escalated to a supervisor. He said there was no record of the email and that it wasn't possible for me to forward it to him. I expressed concern about a breach in data because the email had specifics about my account. He assured me my data was secure but gave me a spoof email to send it to. I sent the email, asked the email to be authenticated and got a standard response that if there is an issue, I would contacted. Otherwise, I may not get a response. I left the conversation with the supervisor that I would be seeking assistance from CFPB. I explained to him that I felt harmed because, could have spend that large sum of money on another credit card to get points or cash. However, American Express benefited from the fees my spending has generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding my mortgage account with SunTrust now Truist. SunTrust has reported to the credit reporting agencies that my account is in forbearance even though I NEVER requested or agreed to forbearance, and I have repeatedly notified SunTrust that I am NOT interested in forbearance and was seeking only a Loan Modification. Please help me ensure that SunTrust immediately removes this Forbearance report from my Credit Report. 

On XXXX I called SunTrust at ( XXXX ) XXXX to request a Loan Modification due financial challenges related to the COVID-19 pandemic. I eventually received the documents and on XXXX, I applied for a Loan Modification. SunTrusts acknowledgement of my application dated XXXX, included a notification that I was approved for a Forbearance Plan. I immediately notified SunTrust by phone and email that I was NOT interested in Forbearance and was seeking only a Loan Modification. At SunTrusts request, I submitted updates to the application and additional documentation on XXXX and XXXX each of which SunTrust acknowledged with notification that I was approved for a Forbearance Plan. I immediately responded to each notification with a phone call that I had NOT requested Forbearance and was seeking a Loan Modification. I also notified SunTrust in writing at XXXX that I had NOT requested and did NOT want Forbearance on XXXX and XXXX. 

On XXXX, I was notified by SunTrust by mail that while my Loan Modification was not approved, I had the option to appeal this decision and that I was being offered a Forbearance Plan instead. I responded immediately by mail appealing the decision and indicating, once again, that I am NOT interested in a temporary Forbearance Plan was seeking a permanent Loan Modification. In a letter dated XXXX, SunTrust notified me that my appeal was denied and that I have 14 days to accept or reject the Forbearance Plan that I had been offered. I responded immediately via email on and XXXX and once again rejected the Forbearance Plan. On XXXX I learned that SunTrust had reported a XXXX balance forbearance plan to all the credit reporting agencies, and that this forbearance was now reflected on my Credit Report. I called SunTrust on XXXX and was advised to call the SunTrust Credit Dispute line at ( XXXX ) XXXX. The first representative hung up on me immediately. The second representative placed me on hold for 74 minutes before hanging up on me. 

I am outraged that SunTrust would report a Forbearance Plan on my Credit Report that I NEVER requested, NEVER consented to and repeatedly indicated that I did NOT want. As a result of, SunTrusts egregious behavior, my credit score may be negatively impacted. I am also outraged that SunTrust has not responded to any of my requests to remove the Forbearance from my Credit Report and has responded instead with silence and stonewalling. Please help me ensure that SunTrust immediately removes this Forbearance report from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am a victim of identity theft and filed a police report with the XXXX XXXX Police Department. The police report case number that is on file is : XXXX. The following account is fraudulent and unauthorized : XXXX XXXX XXXX/XXXX XXXX,XX/XX/XXXX. The following hard inquiries are all fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Mortgage

Wells Fargo assisted me in a loss mitigation last year in XXXX 2014, However, in XXXX 2014 that 's when I was notified to make my payment in which I was behind XXXX month to start they said home preservation assistant no longer was working in this dept or for the company and I would have to catch up on my own I thought as though this was too hard, I felt as though this was unfair my loan modification was approved XXXX XXXX, 2014 however, I was not notified until early XXXX when I questioned this they informed me that my loan modification worker never sent out the paperwork nor informed me that my loan was even modified I then spoke to several supervisors and they were no help so when I made my payment in XXXX they applies it to XXXX then each month I was XXXX payment behind I feel as though this was too hard to catch up and then after XXXX months they raised my payment they said my escrow was short then raised the payment from XXXX to XXXX which now is another increase so now they are saying since my home is in active foreclosure due to some home repairs and unexpected auto repairs that I need to come up with the whole reinstatement fee and they cant offer no assistance for XXXX months. I want to know how a consumer gets into a new loan modification and the loan due to Wells fargo untrained loan representatives my loan is again in default.
Product: Debt collection

This is regarding a {$71.00}  XXXX  bill from over  3-5 yea rs ago. This collection was paid in cash at a  XXXX  store in  XXXX ,  XXXX  on  XXXX   XXXX   XXXX . This collection has been removed and relisted on my  credit score 6   times in the past 2 years. This account continues to be sold, disputed, removed, and resold. My   XXXX   credit report shows that the current agency is marking my collection as a LATE PAYMENT as well as a COLLECTION. This is unlawful.
Product: Credit reporting or other personal consumer reports

I am filing a com

plaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$580.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} Open Date XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I'm at my wit 's end with these constant errors on my report. It feels like every time I check, there's something else wrong, and it's really starting to affect my life. These inaccuracies are dragging down my scores and making it so much harder to do basic things, like get a loan or even rent an apartment. It's incredibly frustrating to feel like I'm being held back because of mistakes that aren't even my fault.
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a XXXX XXXX XXXX. The loan was financed through XXXX XXXX. During XXXX, XXXX XXXX closed their business and was bought out by Westlake Financial. The loan was paid in full in XX/XX/XXXX but I never received my title. I didn't think too much of it because in the past when I paid off a vehicle that loan, the title would be available at the DMV if needed. Recently, I sold the car to help with the funds needed to pay for my mother 's funeral arrangements due to her passing in XXXX. The new owner was kind enough to wait for me to pick up the title from the DMV. The DMV would not release the title because due to Westlake Financial not submitting an electronic lien release to the state. I called the company to ask them to do this for me receiving the response that they didn't do that but would send me a pay off letter via email. I called the DMV back and asked them if the letter would be ok to release the title but was told that they could only release it if Westlake Financial released the lien electronically through the state. Following is each response that I received through the company each time I called. 

1. Representative stated that they would get it completed and to give them about a week. 
2. Lien release still not completed... Rep. Put me on hold and then disconnected me. 
3. Representative transfered me to title department, I was informed that the lien release had not been done but that they would get it don't right away. The Rep. asked me to give it another week and then call back if it wasn't complete. 
4. A week later the lien was still not released so I contacted the company a 4th time and told them that by law they needed to contact the state and submit a lien release, that I could not get my title without them doing this. The Rep. put me on hold for 5 minutes and then disconnected me once again. 
I've contacted the company two other times since the XXXX call but can not get them to submit a lien release. I've contacted the XXXX to file a complaint but received no good results. After reading the reviews online regarding this same complaint for this company, I found that many other consumers are facing the same issue. I need something done. I can not get my title without them completing the lien release electronically. Please help. 

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, CA XXXX
Product: Payday loan, title loan, or personal loan

SIR IN MID XX/XX/XXXX I TOOK OUT A ON-LINE LOAN FOR XXXX DOLLARS.I WAS UNDER THE IMPRESSION THAT I HAD 48 MONTHS AT {$290.00} PER MONTH, THIS WAS NOT THE CASE AT ALL, IT WAS {$290.00} BI-WEEKLY.AFTER SEVERAL WEEKS PASTED THEY AGAIN TOOK {$290.00} FROM MY BANK ACCOUNT.I THEN CALLED RISE AND TOLD THEM THEY HAD MADE A MISTAKE AND THEY TOLD ME IT WAS I WHO MADE A MISTAKE.I EXPLAINED TO THEM THAT I WOULD LOOSE EVERYTHING IF IT CONTINUED, THEY DID NOT RESPOND.APPROX.3 WEEKS WENT BY AND I APPLIED FOR ANOTHER LOAN TO PAY OFF RISE, AND SENT THEM A CHECK FOR THE LOAN AMOUNT OF {$3500.00} IN WHICH THEY RECEIVED AND APPLIED TO MY ACCOUNT.I THEN CALLED RISE TO MAKE SURE THEY APPLIED THE XXXX PROPERLY AND THEY TOLD ME THE ACCOUNT WAS STILL BEHIND, THEY SAID I STILL OWED XXXX DOLLARS BECAUSE THE CHECK DID NOT GET THERE IN TIME.SO NOT THEY CONTINUE TO ADD EVERY TWO WEEKS {$250.00} TO THE XXXX. 
NOW ITS UP TO {$850.00} AND THEY SAID ANOTHER {$250.00} AND THEY WILL CONTINUE TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed and called on multiple occasions to advise and ask why the account balance is not being reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a 1099-C form for my account, which has been reported as " charged off '' on my credit report, but its still showing a balance. They way that it was reported to the IRS should reflect my credit report and it doesn't, which could be reported as suspicion of fraud. The report indicates that the balance on this account has been written off as a loss for accounting purposes. Balance should be zeroed out.

This is in violation of the FCRA 623 15 usc 1681s 2 & grounds for deletion due to credit bureaus blatantly failing to validate & verify the information that's being reported to them.

As I understand it, under IRS regulations, a 1099-C is required to be issued for any debt that has been forgiven, canceled, or discharged. Given that the account in question appears to have been charged off, I believe I may be entitled to receive a 1099-C for tax reporting purposes.

I kindly ask that you issue the appropriate form for this account. If any additional information or documentation is required to process my request, please let me know at your earliest convenience.

Thank you for your prompt attention to this matter. I look forward to your response and to receiving the 1099-C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included in this complaint a photocopy of the three ( 3 ) accounts in question per my Equifax credit report dated XX/XX/2022. I have attempted to resolve the noted issues per the attached document on several occassions via online submission and just sent said lettter via certified mail with return receipt earlier this week. I have even attempted to call and speak with someone in detail about this issue to no avail. 

Essentially, the data fields for the three ( 3 ) accounts in question are substantially incomplete. Of primary concern is the absence of payment history and data, which itself constitutes 35 % of my credit score ( myFICO ). For two of the attached accounts, the credit report indicates that i am 90+ days late when I have in fact never been late or charged off a related balance.

As stated, payment history constitutes the largest portion of a person 's credit score. Consequently, the Credit Reporting Agencies failure to remedy this situation is hindering my attempt to acquire new credit presently.
Product: Vehicle loan or lease

XXXX XXXX financed my vehicle in XXXX for 72 months for {$26000.00}, in XXXX I still owe {$21000.00}. I requested copies of my loan documents for this vehicle from the Dealer because XXXX told me to contact dealer for my documents. Dealer told me they cant lay hands on my documents. 
I have paid this note since XXXX but I still owe {$21000.00}. 
I believe there is something wrong with my fiancing but XXXX is in no way able to assist me with this. I on time with my payments but I feel I have paid too much and Im being ripped off. 
I recently tried to trade this vehicle in but no one will take this vehicle because the current value is {$5000.00} to {$6000.00} Ive been having problems with this vehicle and have reported it several times to the XXXX but all avenues have failed. The particular model has been discontinued due to problems they have had with this vehicle model (  XXXX ) I want XXXX XXXXXXXX to give me all my loan documents and explain to me why my balance is still {$21000.00}. Even if I missed 1 year of payment, shouldnt I be left with a couple of years to pay off. 
One Car dealership drew my attention to this and i need to get to the bottom of it. 
The vehicle is a lemon vehicle, it has given me problems since we bought it. There is a recurring problem XXXX dealers can not fix. They have deliberately sent me to the dealership over 10 time assuming to get it fixed and each time it comes back same. some of these dealership visits have taken over 3 months to get engineers take a look at the vehicle. we have had too much to deal with
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX have 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
Product: Checking or savings account

SunTrust are offering a sign up bonus of up to {$300.00} on their checking accounts when you use the promotional code XXXX : Earn {$100.00} for opening the Essential Checking Earn {$200.00} or opening the Select Checking Earn {$300.00} for opening the Signature Advantage Checking You also need to complete the following requirements : Deposit at least {$100.00} within 14 days of account opening Complete at least {$500.00} in direct deposits within 60 days of account opening Make at least 10 debit card purchases wihtin 60 days of account opening -- -- -- -- -- -- -- -- -- -- -- -- - I opened the Signature Advantage Checking account in the branch becuase online was not working. The Suntrust rep assured me that I was eligible for the bonus. However now when I call them they tell me I am inelegible for {$300.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$46000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$280.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$280.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$280.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$55.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$180.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX is the day I changed my bank account information to a different one .changed my account info because I now share the account with my grandma she receives her social security in this account and they took HER money without my knowledge.
Product: Payday loan, title loan, or personal loan

This Company ArmedForcesLoans is practicing unlawful practices that includes …1) Collecting  interest, fees or additional charges on top of the amount owed that is not authorized by the agreement when creating the debt.2) Returning to sender Mail sent on my behalf by credit services Lawyers.3. Refusing to answer disputes so I cant open another4, Refuse to accept my XXXX XXXX XXXX XXXX status that would forgive my loan
Product: Checking or savings account

XX/XX/23 - Bank of America put a Hold on {$950.00} of our funds. After a long drawn out process they have led me to believe that it is to pay a deficit in my daughter 's bank account. I have no access to the account, no way of knowing the status of he account, and without any warning they put a hold on funds in my checking account.
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.

XXXX XXXX XXXX XXXX XXXX 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 : 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.