23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my Equifax and XXXX   reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, Equifax and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor Equifax report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX ( see attached letter ), with the Executive Response Unit, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Product: Credit card or prepaid card

Syncb / TJX XXXX XXXX opened : XXXX Amount : {$1800.00} Account opened fraudulently I have personally contacted this company listed and filed police and identity theft reports showing that I no longer nor was I living at the address that they have listed at the time that this fraud occurred furthermore my phone number and other information that they have does not match my information. These items are currently reporting to the XXXX and XXXX Credit bureaus and I would like them removed.
Product: Debt collection

1. Merchant ( U.S. Auto Sales, Inc. ) presented the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT ( Exhibit A ) with false and misleading terms and conditions to obtain a security interest in the motor vehicle, insurance policies and proceeds, and other financing contracts for service or insurance, as the Merchant failed to disclose and/or apply the amount of credit extended to me, the Affiant, from my open-end consumer credit plan. The Merchant made completely false representations of the amount of the alleged debt. 
2. Consequent of the willful and knowing failure of the Merchant to properly compute and disclose the Finance Charge as the sum total of all charges, Merchant made patterned and continuous unauthorized use of fraudulently obtained credit card data ( Exhibit B attached ) ( for charges exceeding the Finance Charge by {$12000.00} ) as evidenced in the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACTS, Amortization Schedule, Payment Ledgers ( Exhibits A-E ) using the same false and misleading language and practices to obtain money while retaining an inequitable security interest in the motor vehicle. 
3. The Merchant failed to include the insurance premium in the computation of the Finance Charge, requiring the Affiant to purchase insurance coverage out-of-pocket in order to take possession of the secured motor vehicle, further coercing more fraudulent and unauthorized collection and voiding the contract. ( Exhibits A & B ) 4. The Merchant maintained a fraudulently inequitable security interest in the motor vehicle and took possession of it although the sum total of the credit transaction ( equal to the Finance Charge of {$10000.00} ) had been over-paid by {$12000.00} ( Exhibit B, page 8, and EXHIBIT F shows private data being shared publicly for vulgar disparagement on my Consumer Report for a charge off after the sum total was over paid ). 
5. The Merchant regularly threatened to take non-judicial action to effect disablement of the motor vehicle without a present right to possession of the property claimed as collateral, the motor vehicle, as the motor vehicle was equipped with a disablement device ( starter interrupter ) that was programmed to disable the motor vehicle even after the Finance Charge was fully paid. 
6. The Merchant did not apply any credits for the Amount Financed, to my payment schedule. ( Exhibit B ) 7. Affiant became aware of these Federal violations on XX/XX/2021 during correspondence with the Merchant to request purchase records ( Exhibit G ) and corresponded for resolution on XX/XX/2021 ( Exhibit H ), before corresponding with the CFPB & FTC to report fraud.
Product: Debt collection

This number calls me 3 or 4 times a day. They leave messages from syncorny bank for pep boys. I have called them and said I'm not XXXX whatever, and to stop calling, but they do not. I don't have any credit cards or loans with them. I can't stop them from leaving voicemails even though I have blocked them. They call as early as XXXX edt, and until XXXX.
Product: Credit reporting or other personal consumer reports

I tried to get a whole list of reports from XXXX and Transunion per my rights according to the FCRA ( investigation documents etc to prove that they actually investigated errors on my report ) I requested these XXXX years ago and to this date i have no received a thing. This is in regard to my XXXX XXXX account. ALSO the dates on XXXX and XXXX keep changing on the XXXX XXXX account to allow it to stay on longer. Right now the account 's at 6 years 10 months and the dates keep changing. Now they changed my last payment date to XX/XX/XXXX to let it remain on my account for another WHOLE YEAR the last payment was in XX/XX/XXXX not XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX reporting agency, Equifax reporting agency, and XXXX reporting agency. Has violated my rights. 15U.S.C 1682 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 an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if theyre notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days. Please remove the following accounts XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. I XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX inquires, XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX ( finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX ( auto ) XX/XX/XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX. XXXX / XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX ( finance ) XX/XX/XXXX. XXXX XXXX. XXXX, XXXX XXXX XX/XX/XXXX. XXXX Inquires, XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. Equifax XXXX XXXX XXXX XX/XX/XXXX. Equifax XXXX, XXXXXXXX XXXX XX/XX/XXXX.
Product: Mortgage

I paid my XXXX XXXX, 2017 mortgage payment by mail using the enclosed mortgage coupon and my check. On XXXX XXXX, 2017 I closed on this property using a title company and contacted the mortgage company prior to the closing date to get a payoff amount. I did not have any problems with my account at that time. I have been waiting to get my escrow distribution check back from them and finally called to see what was going on. I was told by the mortgage company that the check had been mailed to my new address, and I had not changed my address so I asked to have the check resent to the correct address ( thinking it was the property address ), and when they verified my address of a South Carolina address, I was asked how did that change I did not change it nor move. I was told by the mortgage company that my address had been changed on the mortgage coupon slip. The mortgage coupon slip I mailed using the us mail service. So I inquired more, and I have now asked for the copy of the coupon used to see the change of address and they do n't have it. I did receive the check from them, In the wrong name with the wrong address, so now I am just waiting for the corrected check from them. This is not the first time I have had to correct information with this particular company. Since I was assigned the mortgage my address has been changed twice, my escrow funds have not been paid properly. They have paid companies that I was no longer with even after a phone call telling them not to pay. They over paid my taxes, under paid my insurance, shorted my escrow account and then would n't refund the surplus. I am glad I do n't have to deal with them anymore, but other people should n't have to go through what I went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number {$8500.00} XX/XX/2012 Date Opened Please remove off all 3 credit reports according to Law after 7 years account should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has my old address on file, a place I left 12 year ago. Furthermore my credit dropped XXXX points just because I am shopping around for a car lease, looking in 4 places. I never gave my SSN to any of those dealers, regardless they manage to access my CLEAN data and after their inquires my credit report dropped XXXX points / inquiry!!! WHY??? 
I am now in a situation where instead of XXXX my CR shows XXXX and can not manage to fix this matter with them. An address change also appears on that report, it is MY OWN where I was living for the past 3 years! What is going on? 

Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, Equifax, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, Equifax, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. Best Regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that has been reported for over seven years. The account in question is with XX/XX/XXXXand was reported on XX/XX/XXXX. The details of the account are as follows : - Account Holder : XXXX XXXX XXXX - Reported Balance : {$2800.00} - Credit Limit : {$1300.00} - Type : Credit Card - Status : Closed - Remarks : Charged off account, Account previously in dispute - Now resolved by data furnisher - Responsibility : Individual Account - Payment History : Only XX/XX/XXXX of payments made on time - Last payment : XXXX XXXX, XXXX I dispute the accuracy of this information and assert that the reporting of this account exceeds the permissible seven-year reporting period under the Fair Credit Reporting Act ( FCRA ). As such, I request that XXXXXX/XX/XXXX promptly remove this account from my credit report. 

The FCRA states that derogatory accounts, such as charged-off accounts, should be removed from a consumer 's credit report seven years from the date of the first delinquency that led to the charge-off. Given that the last payment on this account was made on XXXX XXXX, XXXX, the account should have been removed from my credit report by XXXX XXXX, XXXX. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. Specifically, I request the following : 1. Verification of the reporting period for the account in question.

2. Removal of the account from my credit report if it has been reported for more than seven years.

3. Correction of any errors or inaccuracies in the reporting of the account. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the correction of any inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Product: Other financial service

I saw an advertisement for Fedloan Help which was advertised to consolidate loans into a program that Barack Obama created to help people with student loan debt. So I called them to see what they could do for me and they said that they consolidate loans under a federal program that would decrease my student loan debt and my monthly payments. I did not realize that this was a third party consolidation company as their company is called Fedloan Help, and the actual consolidation and debt relief program is called Fedloan Servicing. When I was talking to the Fedloan Help people on the phone, they were very helpful but did not explain who they were, that they were a third party company, and that they would be withdrawing {$67.00} from my bank account monthly while making it look like this was my student loan payment. This money that they are withdrawing is not a student loan payment, it is a " servicing fee '' for consolidating my loans through them. I figured this out because I have been getting bills from the actual loan servicer, saying that because of my income, my monthly payment right now is {$0.00}. I 've called Fedloan Help ( the scammers ) and they say that all agents are busy right now and that they will call me back. They refuse to put me on hold. I called Fedloan servicing, and they are the ones who alerted me to this situation. 

I was not able to download this as a file, but here is an email that was sent to me from one of their representatives : Service Agreement for REVIEW ONLY Inbox XXXXXXXX AttachmentsXXXX XXXX to me Hello XXXX, Attached is the service agreement for the program you qualified for. There is nothing to sign on these documents, review purposes only. 

We are a NOT for profit organization that works with the US Department of Education regarding Loan Forgiveness and Payment Relief Programs. We charge " NO FEE '' S. We operate from voluntary donations only. 

XXXX XXXX Fedloan Help : Nonprofit Organization Direct : ( XXXX ) XXXX Ext. XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.Fedloanhelp.org It says, We charge " NO FEE '' S Since they wrote " no fees '' in that specific way, is that their way of getting around their hidden fees, since it is not grammatically correct?
Product: Checking or savings account

On XX/XX/XXXX, I reported a number of fraudulent withdrawals from my Citizens Bank accounts ( checking and savings ). When I received confirmation letters from the fraud division, three claims were missing. I called and re-reported these claims in XX/XX/XXXX. Most of the claims, all of which were ACH, were repaid, but the bank denied two claims ( a check on XX/XX/XXXX in the amount of {$1000.00} and on XX/XX/XXXX in the amount of {$300.00}, both of which were clearly fraudulent ). They claimed that the denials were because my reported claims were untimely, but they repaid some older claims. And the first time I reported the claims on XX/XX/XXXX, the XXXX was was within 60 days and the XXXX was just outside of it. If you looked at the checked ( one written by and to XXXX XXXX and one by and to XXXX XXXX with my name nowhere on them ), they are clearly fraudulent. The bank failed to use even a modicum of proper care, good faith, and due diligence in care of my accounts. 

Even more, I have spent many hours on the phone with representatives of the bank and the fraud division and have been given conflicting and false information. One person at the fraud division on or about XX/XX/XXXX told me that I had to call the branch for the denied claim. I called the branch and the person I talked to told me they have nothing to do with fraud claims, and he believed the person just wanted to get me off the line. 

I have been a customer for decades. Even with low expectations for a commercial bank, I'm disappointed.
Product: Mortgage

Im writing this letter in hopes you can intervene to get XXXX XXXX to properly review our loan for assistance options, and keep me in my home. The issues began when I lost use of my car, which as you know, in South Carolina, is a necessity. The unexpected expense of getting it repaired made it difficult to stay afloat. 

I attempted to contact Chase to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to Chase Bank.
Product: Credit reporting or other personal consumer reports

Accounts falsely reported hard inquiries under my credit reports, unrecognizable. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXX XXXX Balance : $ - ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I have a loan on a XXXX  XXXX XXXX XXXX XXXX trailer. The loan has 8.74 % interest. the last three statements have showed 100 % interest due, nothing going to principal. The loan company US Bank indicated that this was because I had made an early payment in XXXX, but the math doesn't work out and this is making no sense. 

1 ) I don't understand why, three payments later, they still aren't applying anything to the principal. 100 % of each payment due is going solely to interest. This means I will never be able to pay this loan off if it continues, and it is not in alignment with the loan paperwork I paid.

2 ) I had paid thousands of dollars in EXTRA interest last year before realizing that they don't automatically default to applying extra payments ( I was paying several XXXX extra each month ) to the principal, they just pay interest ahead. 

XXXX ) The {$400.00} payments showing on several statements were additional payments I made as I am trying to pay this loan down so I can refi it. They are not indicating UsBank correctly applying interest. My monthly payment is {$870.00} per month. 

One CSR advised that the reason I was being charged 100 % interest was specifically because I was making an effort to pay the principal down, and UsBank has a policy of charging more interest to compensate the company when loans are paid in advance. I believed I was signing a loan with no prepayment penalty ( and was very clear about asking/confirming this point in the papers I signed at the dealership ), so this should not be happening, and if the papers show something different then they were altered at some point. I had a bad XXXX with a severe XXXX XXXX at the time I signed the loan and didn't realize the dealership didn't include " my '' copy of the loan docs in the folder before I left, so an alteration may have been possible.