23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my numerous 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$74000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$68000.00}
Product: Mortgage

This excerpt from an email sent to LoanCare on XX/XX/XXXX sums up the situation : " This is re : my new mortgage payment amount. As I have provided documentation over 4 months ago showing that I am exempt from property tax, and as LoanCare has taken no action in all this time to adjust my mortgage payment but has dunned me to pay my previous payment of {$480.00}, I have found it necessary to take matters into my own hands. My annual property tax amortized monthly is approximately {$68.00}. As I am exempt from property tax this leaves {$420.00} which will be my new mortgage payment per month. Moreover, my exemption began on XX/XX/XXXX yet I paid the former mortgage payment that month. Thus, I have overpaid LoanCare {$68.00} which I will deduct from the payment for XX/XX/XXXX. Thus, on or about XX/XX/XXXX I will pay $ XXXX or {$350.00} which should correct my account. As my need to take this corrective action is a direct result of LoanCare 's unresponsiveness to my emails and phone call, I expect LoanCare to notify all credit agencies it reports to and ensure that my record shows I am in good standing. If attending to this situation is too difficult, demonstrated by LoanCare 's continuing  unresponsiveness to my account 's needs, perhaps the Better Business Bureau will be able to assist. 

In futile hopes of prompt attention, '' LoanCare responded to this email by continuing to dun me for payment that was not owed. I did file a complaint with the Better Business Bureau at which point LoanCare 's escrow department finally reevaluated my account, but the amount they claim my monthly payment should be is higher than I calculated and they claim I am over {$700.00} behind on my mortgage, which I am not. They continue to dun me for payment sending letters threatening me with foreclosure.
Product: Vehicle loan or lease

XXXX XXXX provided me a loan for 7 years. I have had two extensions during that time for trauma related reasons, that were coaxed into fruition, by the billing department. Claiming they would be helpful to me. Claiming it would change nothing on my loan, simply move the payments to the end- as if they never happened. I purchased the motorcycle in the 3rd quarter of XXXX. My interest vs principal is never consistent. Sometimes, there is no explanation for payment application. Sometimes all of the payment goes to interest. Sometimes, {$95.00} goes to principal- but never is it consistent. It is mid XXXX, and at this time, I owe 29 payments, at best, on this loan- Im sure its probably many more. I can not get a clear answer, why this is happening, or any help to stop it. I am seeking legal representation to sue for the balance of the loan. This has been an absolute wretched experience. They are extremely crooked.
Product: Credit reporting or other personal consumer reports

I am submitting this in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel some errors are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix it. Please reinvestigate these accounts. Please check the inconsistency reporting of the Account number, Date Opened, Last Reported, Date of Last Active, and date of Last Payment. You must report this account accurately. Correct this matter ASAP : XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} TRANSUNION XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports from Transunion, and XXXX show a car repossession listed as an account that originated with XXXX and has a {$0.00} balance due. The original lender was XXXX and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had Gap insurance, therefore XXXX was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. XXXX did not report the amount it sold for, and never disclosed the amount to me, they were paid by the GAP insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, XXXX sold that account to XXXX XXXX XXXX for the amount of {$11000.00} While XXXX found the error after I reported the issue in 2022, and removed the account from their credit report, XXXX XXXX XXXX are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to Transunion, and XXXX credit reporting agencies. This violation of FCRA laws has impacted my credit score for years.
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. 
Account # XXXX XXXX XXXX XXXX with XXXX late payments XX/XX/XXXX, XX/XX/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
Product: Mortgage

Hello. On XX/XX/2023 I closed on a home and sold it to new buyers without any issue. Prior to close, I had a mortgage with XXXX XXXX. At the time of close my loan with XXXX XXXX was fully settled and moved over without issue to the new buyers. Unbeknownst to me ( because it was not relevant to me ), the new buyers of my old home were working with Mr Cooper for their new loan. 

On XX/XX/2023 an automatic withdrawal of {$2900.00} was taken from my checking account with my knowledge or authorization via Mr Cooper. I am not a customer of Mr Cooper 's, never set up an account with Mr Cooper, never enrolled in auto-pay with Mr Cooper and fully settled my loan for this property at close with XXXX XXXX XXXX 

I have since been in contact with Mr Cooper multiple times requesting a refund and demanding an explanation for why they were able to withdrawal money from me ( a non-customer ) without my consent for a loan I was not responsible for. Today I was again promised my money back with a rep on the phone but I am a month out from when I began this process. There are financial implications for me -- lost interest, etc -- - in addition to the absurdity that they were able to access my checking account. I am at a loss for how to proceed and am simply stuck waiting, hoping they return the stolen funds.
Product: Vehicle loan or lease

I followed the same administrative process Prestige would of followed to discharge a debt. Mailled 1st certified letter XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX to claim credits and tender of payment on XX/XX/23. 2nd certified letter XXXX XXXX XXXX XXXX XXXX the opportunity to cure XXXX. 3rd certified letter XXXX XXXX XXXX XXXX XXXX Notice of default and cease and desist intent letter to sue on XX/XX/23. All letters went unanswered! I received return receipts of delivery. I have discharged the debt the proper way! I am a secured party by my signature alone.
Product: Credit card or prepaid card

on XX/XX/XXXX, I notice my card wasn't working when trying to make a transaction. I called customer service and found out my credit card account was under review and needed to be transfer to another department for customer authentication, after being verified I was told that my account was closed down because it appeared that I was using the credit card for business which is 100 % NOT true at all. The card has always been used for personal use and I have supporting documents that supports what I am stating. 

I received a Text to my working number on XX/XX/XXXX about a {$620.00} at XXXX that was charged. I replied that it was Valid and made a call to verify that it was me. I don't understand why my account was closed down. I've been a valued customer of your bank for many years and make All my payments on time. 

I also have Business line of credit, Equipment loans and checking accounts with US Bank. I am willing to work with US Bank to find a solution and get my account reinstated. I have also removed my Authorized Users that were family members if that was the problem and risk.
Product: Credit card

I had rented a car from XXXX in XXXX MN, on XX/XX/year> I had {$1400.00} in my XXXX XXXX credit card account at the time XXXX was supposed to be taking {$460.00} off my credit card to extend the rental for another week. At that time my credit card was charged for {$1300.00}. When I called Chime about the issue which was that on the XXXX of XXXX I should of been charged {$460.00} and not {$1300.00}, that is {$850.00} more then what was supposed to be charged on my card. XXXX had been given {$570.00} ( on XX/XX/XXXX ) {$270.00} ( XX/XX/XXXX ) plus the {$300.00} deposit that was kept and not repaid, the same day ( XX/XX/XXXX ) the final sales transaction settled for {$830.00} for the {$1100.00} authorization hold for the first rental which started XXXX XXXX. An error had happened because Chime now says I owe them over {$500.00} and XXXX is telling me I owe them {$480.00} now yet I have a receipt and an invoice from XXXX  saying that I owe them {$25.00} then it went up to {$37.00} then the last time it was {$480.00}.
Product: Checking or savings account

I subtmited a claim dispute with my bank, US BANK on XX/XX/XXXX, the bank gave me a provisional credit. 
on XX/XX/XXXX, I received several letters ( one for each transaction ) requesting more information and send back a document with some questions. 
On the letter they said they need the information before XX/XX/XXXX, but the letter was received on XX/XX/XXXX. The letters were sent to the bank by fax on XXXX XXXX, the day after were received. 
After a few days the bank reversed the provitional credit and " closed '' the claims. 
I called to know more about this, and they told me that someone in charge will contact me. 
Until today nobody has contacted me, I gave all the information was requested by the bank, during my call and during the claim oppening I told the teller I dont live in the XXXX XXXX my phone doesnt work always.
Product: Debt collection

I was contacted by Aldous and Associates in XX/XX/year> regarding a debt from XXXX XXXX in the amount of {$190.00}. I called Aldous and Associates and arranged for them to withdraw the funds automatically in two equal payments. They withdrew approximately {$98.00} plus a convenience fee of about {$5.00} on XXXX. I received a notification on XXXX from XXXX XXXX that an account was created by Aldous ( without my consent ) and that a balance of {$98.00} was reported to my XXXX account. I called Aldous today and asked why did they report a balance to XXXX and made no attempt to withdraw the remaining balance from my bank account. The representative from Aldous admitted that the person who set up the autopay arrangement did not do so correctly and that she wasn't sure why they reported the balance to XXXX. She offered to send me to a supervisor but no one was available. She said that they would call me in an hour ( they did not ; I had to call them back over an hour later ). I called back about an hour later and spoke to a different representative explaining the situation. This representative said that no supervisor was available and that she was unable to help me. She instructed me to call back again in an hour. No one from Aldous has made any attempt to correct their error despite them admitting fault.
Product: Credit reporting or other personal consumer reports

The following items are listed as inquries from Chase, but both customer support at Chase and XXXX can not validate them. It seems to be from identity theft. All the credit agencies said Chase needs to send a removal request, but they refuse to do it. 

JPMCB CARD Inquired onXXXX On record until XX/XX/XXXX JPMCB CARD Inquired onXXXX On record until XX/XX/XXXX JPMCB CARD Inquired XXXX On record until
Product: Debt collection

I am not aware of this agency and have not entered into contract with them in any capacity. Please remove the negative remark from my credit report.
Product: Credit card or prepaid card

In XX/XX/XXXX, I opened a line of credit for {$4000.00} via XXXX thru XXXX XXXX and was told, if I did not pay it in 2 years, I would be charged finance charges and interest on any remaining balance due as of XX/XX/XXXX. Based on the company 's transaction records, my first payment was made in XX/XX/XXXX, 16 months after I started the account. 

My first statement of record was XX/XX/XXXX, which I have enclosed and it shows a payment due of {$260.00}. 

On the XX/XX/XXXX statement, which I have enclosed, you see a payment made on XX/XX/XXXX of {$260.00}. None of the payments that are on the pdf statements on XXXX XXXX website are in my digital transaction history, also on their website, which I have screen shot and enclosed. 

I am including the most recent statement for your review, which shows of the {$4000.00} financed, payments and credits are {$3800.00} and I still owe {$3900.00}, which is basically the balance I started with. 

I did not pay on time each month, but tried to double up to keep up with the account. I went on XXXX XXXX website to pull XX/XX/XXXX statements, and as you can see, they show nothing due on the XX/XX/XXXX. I believe my balance per their pdf statement files do not match their digital transaction records, which means there is a chance I am being charged more finance charges than I should be. 

Even though I realized there was no finance charge for 2 years, I do not understand why no payments are shown in the attached transaction history. 

I have included the XX/XX/XXXX statement to show how all of the fees were billed at that time which amounted to thousands of dollars. In addition to that, I am being charged {$95.00} per month in finance charges on top of the amount due. 

I contacted XXXX and the representative only wanted to know how much I would pay, even when I pointed out a problem on my account. 

I need help to make sure this billing process is correct and fair, and to get a true transaction statement on how much I paid in XX/XX/XXXX, since the bank shows no payments in XX/XX/XXXX on my transaction history. 

I also want to confirm that it is legal for me to have been charged 28 % finance charges, as I have been over charged as a woman of XXXX, in the past, by other banks, and was notified by the Federal Trade Commision ( i.e. XXXX XXXX auto loan ). 

I want to be sure that the high finance charges of {$95.00} per month are lawful. 

Thank you. 

XXXX XXXX
Product: Mortgage

Roughly once every two weeks, a representative from PennyMac Financial Services, whom I have a HELOC with, calls and gives me a sales pitch on why I should refinance my home mortgage ( held with another company ). I've repeatedly told them to stop asking me to refinance my 3.00 % mortgage when the prime rate is currently 7.00 %, and they have failed to remove me from their calling list for over three months now.
Product: Checking or savings account

On Thursday XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX thru XXXXXXXX XXXX  tried to deposit XXXX dollars into my account thru a ATM at the local Huntington Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX United States It did not deposit my money it kept the XXXX and return my card I went into the bank at XXXXXXXX XXXX and tried to resolve this and of this day no resolutionthe loan officer said he submitted a dispute that day which I found out Monday XXXX was not true
Product: Debt collection

1. I have never had an account with these companies Bank Of America Account number Account Number : XXXX, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are Bank Of America the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX )
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 XX/XX/XXXX these were not authorized I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus did not do as I asked i'm providing a identity theft report that I will attach to this and im requesting these to be removed because they are inaccurate and not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.
Product: Mortgage

In XXXX of XXXX, I changed my home owners policy because I rented my house out. PennyMac, my mortgage company, never sent out the payment for my new policy which they collect in the escrow so I received a cancellation letter from my insurance agency. I contacted PennyMac that day and was told a check was going out overnight. The money was withdrawn from my account at that time.I then received a lettter that my policy had been cancelled due to non payment. When I called the insurance company, I found out my insurance had gone from {$740.00} to {$1500.00} due to the cancellation. I contacted PennyMac who said something happened with the computer system so my check was never sent out. At this point they withdrew the {$1500.00} from my account and gave me a credit for the difference. I thought things were resolved until I got my new escrow account which said I owed $ XXXX. So I called PennyMac and when reviewing my account, they found that they never refunded my account for the {$740.00} check that never got sent, which has since been refunded and charged my account the {$1000.00} for the new home owners policy. When I spoke with my agent as to why my premium was still inflated from the original {$740.00}, he told me that it was because I was cancelled the previous year. I then contacted PennyMac regarding the fact that I am still being penalized for their misappropriation of my funds and requested the difference of {$300.00} because I would still be paying {$740.00} if my policy had not been cancelled and their supervisor 's response was " You had a year to find another insurance. ". I then contacted multiple insurance companies who all were as or more expensive then what I was paying now. I called the supervior I had spoken with on XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX XXXX, received a call back later that night XXXX/XXXX/XXXX but missed a call as I was at XXXX with my girls and I called her again XXXX/XXXX/XXXX at XXXX but have not heard back from her since. I filled out a complaint with the XXXX on XXXX/XXXX/XXXX, at which point I got a call on XXXX/XXXX/XXXX from another person at PennyMac saying he was in charge of trying to resolve my complaint and PennyMac insurance department were looking into the matter. On XXXX/XXXX/XXXX, I called PennyMac again and received a call back stating that the insurance department had determined that the refund was a XXXX time deal and that they were following with their original decision to not refund me the difference. I do not agree with this decision as I am paying more of my hard earned money because of carelessness of PennyMac. I did everything in my power to avoid this issue, spending hours of my time to correct the original issue and hours of my time a year later because the problem was never completely resolved.