23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX, I have been paying for well over XXXX  years towards this loan and the principal has not been reduced. Payments go only towards interest and I have been requesting help for some time and I have been successful in resolving this. The loan seems like a predatory loan. The interest has gone up significantly on my loan and the monthly payment with no explanation from the consumer as to why these financial increases have occurred. My current balance due at this time reflects {$XXXX}, the loan amount is {$XXXX}. 

The larger problem is that I have contacted customer service for help regarding the loan interest, and why the payments are increasing. The following questions can not be addressed when calling customer services. 

1. What is the term limit for my loan 2. how can the payment go towards the principal instead of interest?

3. What total amount have I paid for the last XXXX  years total.

4. Why and when was it decided that my monthly payments would increase? 
XXXX. Am I due to have XXXX days before this significant financial change that truly impacts my credit? 
XXXX. Why is the current statement reflecting {$XXXX} XXXX. What is the status of my modification and what other information is needed to decrease my monthly payments? 

I have called multiple times leaving every call more confused and worried that the Shellpoint company has created a predatory outcome for my current loan. 
My payment increases XXXX the amount but I have no idea why. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

I am the consumer, in fact, XXXX XXXX. XXXX XXXX has reported an account on my Equifax credit report since XXXX which is now stating closed and/or deleted from my Equifax credit report as of XX/XX/XXXX per my dispute which launched a " reinvestigation ''. XXXX XXXX has yet to furnish any documents with sworn statements for the validity of this alleged debt or a judgment for me to pay this alleged debt. XXXX XXXX has no written expressed consent of mine to procure such information on my credit report and Equifax did not uphold their responsibility that they assumed by allowing XXXX XXXX to harm my reputation.
Product: Credit reporting or other personal consumer reports

Attached is a police report for proof the following credit card accounts thats currently listed on my Experian and XXXX credit report are not my credit card accounts : XXXX XXXX XXXX XXXX, {$360.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX, {$330.00} and XXXX XXXX XXXX, {$340.00}. All of the hard inquiries currently listed on my XXXX credit report are not my credit inquiries.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to demand your immediate intervention in blocking and removing fraudulent information from my credit report. My Social Security number has been compromised due to identity theft and a data breach. Attached to this complaint is the FTC XXXX XXXX  Report I filed. Under 15 USC 1681c-2 ( c ) ( a ), the credit reporting agency is legally obligated to block and remove the fraudulent information from my credit report within XXXX business days of receiving my complaint. This has not been done. 

The following items are disputed and must be addressed immediately : XXXX XXXX : XXXX The credit reporting agency has violated United States Code Law 15 U.SXXXX Code 1681b, which outlines the permissible purposes of consumer reports. Specifically, subsection ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, the agency is required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. This letter has also been shared with the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Immediate attention to this matter is expected. 

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  Unauthorized hard pull. Where did they get this misleading information? This is unfair! DELETE IT IMMEDIATELY! 

Failure to comply with my request will result in legal action against the credit reporting agency. Each violation of my rights under the following statutes will incur statutory damages of {$1000.00} per violation, as specified in 15 U.S.C. 1692k : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance under 15 U.S. Code 1681o Civil liability for willful non-compliance under 15 U.S. Code 1681n ( b ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports under 15 U.S. Code 1681b Failure to follow verification methods under 15 U.S.C. 1681i ( 7 ) Violation of my right to privacy under 15 USC 1681a ( 4 ) Violation of information requirements under 15 U.S. Code 1681c This letter serves as formal notice that any delay in addressing my dispute will be deemed willful non-compliance and will be forwarded to my attorney for litigation. The credit reporting agency is legally required to handle my dispute without delay, regardless of assumptions about third-party involvement. Attempts to delay or deny processing of consumer disputes based on such assumptions are illegal.
Product: Credit reporting or other personal consumer reports

XXXX I have not received an update on the dispute for more than 35 days. 

EXPERIAN : XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting

I had a credit inquiry on XXXX XXXX, 2015 by CREDCO, which I never authorized them to hard pull my credit score. I searched this agency online and it came out this company works with XXXX XXXX. I talked with a mortgage loan specialist from XXXX XXXX that day but he never asked my SSN, and also never asked to run my credit report. But to my surprise, without my permission XXXX XXXX pulled my credit report. I want to see if there are any possibilities to get this inquiry off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX CT XXXX XXXX, NY XXXX, CAPITAL ONE XXXXDate Opened : XX/XX/2016 Balance : {$5700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I had recently opened up a new account and was expecting my direct deposit from my employer the USPS but instead Im getting a email about them closing my account due to fraud. They put a block on the acct and refuse to send my funds that is in my account. My deposit date was XX/XX/2023, in the amount of {$1200.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a SEARS MasterCard while making a purchase at the SEARS in XXXX XXXX in XXXX XXXX, MI. I was accepted and given a credit line of {$6000.00}. I have not received the card. I called Citibank nearly twenty times on XX/XX/XXXX. I was told that I should have received my credit card a while ago. I was told that my address was not the address on the account, and that my phone number was not the one on record so they could not verify that it was me calling. Even though they stated that my phone number and address did not match their records, they left a message on my answering machine using the phone number that they claimed was invalid questioning recent activity on the credit card. I was told that they would send paperwork to my address according to public record immediately. I have not received anything. I was offered twenty off my purchase at Sears by applying for this credit card, it would have been worth the extra twenty to have avoided the stress this is causing me.
Product: Credit reporting or other personal consumer reports

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 REPORTING Credit card reporting inaccurate late payments 5 at that have disputed these several times and come back accurate as someone bought off the credit and telling it's going to stay active. 
Auto loans or leases- XXXX loans date open unknown- {$1900.00} status fraudulent also hard XXXX inquiries XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge me to fix my credit did northing but take my money and still have bad credit help!
Product: Credit reporting or other personal consumer reports

I have reasons to believe that there where XXXX XXXX consumers who was part of a data breach I believe I was XXXX of them and this is why I cant figure out who these companies are and how did they get my SSN I am requesting to have all my address job inquires charge off everything removed from my credit report no matter what its called. According to the XXXX XXXX XXXX XXXX XXXX ) regulations, if a firm under their jurisdiction experiences a data breach, they are required to promptly notify affected individuals in a clear and fair manner, and must implement proper complaint handling procedures ; essentially, they are held accountable for protecting customer data and must take swift action in case of a breach, potentially facing penalties for failing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim identity theft
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have been reporting incorrect information on my credit report. The Collections for XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX Do not belong to me. These XXXX are not my accounts I have never opened up any \accounts and not paid for them and I certainly have not signed or opened these XXXX accounts. I have been disputing these XXXX accounts witjh the XXXX bureaus for over XXXX  months and not once have they verified that these are mine they just come back with verified. I would not be fighting this hard if these were my accounts. But they are tarnishing my credit and not helping me. I am an ethical citizen and I do not appreciate identity theft which is the case here and no one is helping me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent a lot of money, time and effort making copies of correct/incorrect billing statements from XXXXXXXX XXXX XXXX XXXXXXXX credit card. I showed and presented an argument that the statements were correct up to a certain month, then all of a sudden they stopped crediting money from my payments toward the balances on the special purchases I made, to them to whittle down the balances. XXXX pulled a bait and switch so they could charge me double interest on the purchases by not crediting payments made on time mind you, to the outstanding balances on record. They will do exactly the same thing with the remaining balances I have under that special agreement with them. They took all of the paperwork, threw it out and never acknowledged it by submitting a normal dispute to XXXX rather than forcing them to prove their reasoning as to why they say I didn't pay the amount off from XX/XX/2017 and threw the entire balance from that date on my statement claiming I owe it when I don't. My fear is they're going to do the same thing when the other 2 expire this year. Then I will have to sue XXXX. I want this matter resolved! The balance is incorrect and XXXX has failed at every turn to prove their case. In addition Experian failed to investigate the matter adequately when provided with a mountain of paperwork to prove the errors made by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DROPPED MY SCORE BELOW 600 BECAUSE I FILED A COMPLAINT WITH ALL THESE PEOPLE ARE ABUSIVE I WILL SEEK LITIGATION
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 : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a 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 reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX. These account have resulted in fraudulent charge off appearing on my consumer FICO credit report. I've attached a copy of my consumer report of the fraudulent charge off in question by which shows the aforementioned fraudulent item. I do not recognize the aforementioned account on my consumer credit report maintained by you were opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Complaint # XXXX as proof from the XXXX Federal Trade Commission that the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately.

The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2. Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they autho
rized.

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed. 

Thank you for your immediate attention to this matter.
Product: Mortgage

I am still having a problem with Bank of America remodifcation loan applied due to medical conditions 100 % XXXX Veteran. I have all documents sent numerous times via fax and XXXX never processed. 
Promissory estoppel Appelliate Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document XXXX Filed XX/XX/2016 CFPB Complaint Number XXXX XX/XX/2016 Bank of America account ending XXXX.
Product: Vehicle loan or lease

In purchasing the car from GM Financial, I was clear about not wanting a lease with a balloon payment, quality of the car ( no unreported accidents and/or issues ), an affordable monthly amount, and hidden fees. I purchased the car for approx. {$20000.00} in XXXX. In paying over the years, I continuously questioned why the term amount was not changing yet I was paying almost $ XXXX for a XXXX car only worth {$20000.00}. I also found out after purchase that there were issues with the car including active recalls. The car has been steadily declining and the cost continues to be exorbitant. I've tried to refinance with the finance company multiple times. After two years and multiple agents, I finally started to make headway with completing the refinance promised. Just prior to signing, I realized that I again received misleading details regarding how the refinance would extend the loan not create better terms. During that period, they repossessed the car twice almost doubling the amount due at the time. I was told in XXXX upon last repo, that the payoff amount was approx. {$10000.00}. In the agreement to retrieve the car, I questioned how long before the car would be paid off now having entered the 5th year and still owing half the original amount. I was told that now that all the finance charges were paid, my payments would go towards the principle. However, now in XXXX, I am still paying the same amount monthly and my principle is STILL {$10000.00}!! I have begged the company to explain and assist, their only response is to threaten to repossess the car AGAIN. Even while the payments were within the month due. 

I feel I was misled and lied to. Consumers should not have to be victim to such treatment simply because our credit score is low. It is unfair and shameful that companies can get away with this. I have no idea how this car will ever be paid off. I feel like I keep paying and my principle is constantly staying the same. After 6 years, I still own half of the original purchase amount.
Product: Credit card or prepaid card

Capital one sent me ads in the mail for months for their XXXX credit card, they said I would get a {$200.00} sign-up bonus after spending {$500.00}. Eventually, I applied for the card with their reference number from those ads and got it and spent over {$500.00} but they won't give me the {$200.00} sign-up bonus. Apparently, this is common, a lot of people on XXXX post about how capital one will tell you while the card is advertised with this sign-up bonus you don't get to have it because your account didn't qualify or something. I called, I was nice, they wouldn't credit me or anything.
Product: Credit reporting

It has to do with a hospital payment of over {$1200.00} I should not owe. I XXXX back when I was in XXXX school. I know my parents did not finish paying the bill. Once I turned XXXX I am assuming the responsibility was moved from my parents to me but why should I be charged {$1200.00}? I found out was I tried to obtain a credit card but was denied to many times. As a current college student, this has affected me greatly! I should not have to owe anything but the worst part is that now only could I not get a credit card but my dad 's credit was also ruined. Basically, this has affected both of us and why should I be affected when I did not do anything wrong. My dad agrees this should have only affected him and not me in anyway and wants to remove that bill from me and move it towards his account. I want this bill to be removed as fast as possible because it is crucial for me right now to be able to obtain a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report fraudulent information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA.