23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan originated from XXXX XXXX. They sold loan to Specialized Loan Servicing. Loan was sold with impound account including taxes and insurance. SLS did not pay insurance bill. Policy lapsed for two months until I paid insurance. Premium was {$100.00} more. SLS fined account {$76.00}. Called company, who insisted insurance was not part of escrow. I have done 7+ loans with XXXX XXXX. Insurance is always included in the impound account.
Product: Credit reporting or other personal consumer reports

To : XXXX, Equifax, and XXXX Subject : Formal Request for Deletion of Unverifiable Account Based on Innovis Deletion To Whom It May Concern, I am writing to formally request the deletion of an unverifiable account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The account in question is listed as a charge-off from XXXX XXXX XXXX XXXX with a balance of {$XXXX}. 

On [ date ], I disputed this account on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, the account was deleted from my report. Given this deletion, I am requesting that XXXX, Equifax, and XXXX remove this unverifiable debt from my credit file.

Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) obligates you to investigate disputed information and delete or correct any unverifiable account within 30 days.

Section 623 ( a ) ( 1 ) ( B ) mandates that information furnishers must not continue reporting inaccurate or unverifiable information. 

Since XXXX has removed this account, it is evident that the account could not be verified. Therefore, I am requesting that all three credit reporting agencies conduct similar investigations. If this account can not be verified according to the standards of accuracy and completeness set forth in the FCRA, it must be deleted from my credit file entirely. 
Legal Right to Sue if Not Addressed : Should your investigation fail to result in the deletion of this unverifiable account within 30 days, I reserve my rights under Section 616 and Section 617 of the FCRA to seek legal action against your agency for willful or negligent noncompliance with federal law. Noncompliance may result in damages, court costs, and attorney fees as outlined in these sections. 

Additionally, the deletion of this account by XXXX demonstrates that it can not be substantiated. Continuing to report unverifiable or inaccurate information may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting information found to be inaccurate.

I request written confirmation of the results of your investigation and a revised copy of my credit report reflecting the deletion of this account within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint by submitting a formal dispute to the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to dispute the repossession of my vehicle by Capital One 's repossession department on XX/XX/2023. I was in the middle of a payment plan agreement with Capital One due to recent financial difficulties, which was agreed upon by a Capital One support representative. 

Unfortunately, I encountered issues electronically signing the payment plan agreement, which I attempted to resolve by contacting the support team several times. Despite my efforts, the agreement was broken, and the repossession department was notified. They informed me of a new agreement that included three payments of {$910.00} and a payment of {$600.00} due on XX/XX/XXXX. I was under the impression that the three {$910.00} payments were to catch up on my payments, and after these were made, I would continue with the {$600.00} payments. 

However, the repossession department waited until the first {$910.00} payment was already being drafted from my bank account to inform me that I had to make the {$600.00} payment on that day ( XX/XX/2023 ) to avoid repossession. I attempted to stop the {$910.00} payment, but this was not possible with XXXX XXXX at the time. Despite my efforts, the repossession of my vehicle was carried out by XXXX XXXX on XX/XX/2023. 

I dispute this repossession as I was in the middle of a payment plan agreement, and I had already made efforts to catch up on my payments. I also attempted to resolve the payment issues with Capital One support, but was unsuccessful. Furthermore, the repossession has caused significant financial and personal damages to my life, including my relationship with my landlord and my ability to access food and basic necessities. 

I urge the Consumer Financial Protection Bureau to investigate this matter and reinstate my lien on the wrongfully-repossessed vehicle. Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

The company started calling me claiming I had defaulted on a {$1000.00} bill about three years ago. I have also received 3-4 mailings from them over this period. In the initial call, I asked for the original nature of the debt. They did not respond, just asserted that I owed the money. I have sent two letters to the company asking for written documentation of the debt. I have received no response, but the phone calls continue at least weekly. They leave messages on my home and cell numbers multiple times a week. I have tried to talk to them asking for written proof of the debt, and again received no specifics or response.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach at XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 

I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 

Additionally, I have identified that a XXXX XXXX bankruptcy, which was not filed by me, has been erroneously added to my public records. The reference number is XXXX, with a filing date of XX/XX/year>. This information is a result of identity theft and must be blocked and removed from my credit report. 

I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

The following information on my credit report is the result of identity theft and should be blocked : *XXXX XXXX Bankruptcy Reference XXXX, Date Filed XX/XX/year> **XXXX Account XXXX I appreciate your prompt attention to this matter and request that you confirm in writing once these fraudulent items have been removed from my credit report.
Product: Vehicle loan or lease

My car was repossessed on XX/XX/2021. I was given until XXXX before it would be taken to the auction. I went to my lawyer to have my bankruptcy amended to include the car because I wanted to retain the car. I went to my lawyer on XX/XX/XXXX to begin the process. My lawyer was very negligent in answering my phones calls and keeping our appointments. I let Avid know that my intention was to keep the vehicle. I was told by several of their employees that they would note my account and assist me as much as they could. Their bankruptcy department was also negligent in responding to my calls and texts as well. I was still being told the car was not at the auction. My lawyer submitted the necessary paperwork on XX/XX/XXXX. Avid still was not communicating. Even after the car was taken to auction I still attempted to get it back but they said they couldn't reach my lawyer.
Product: Mortgage

This complaint concerns Indy Mac Bank. There are several issues to discuss concerning Indy Mac. First, I was told that I had to miss payments in order to be qualified to modify my loan. Secondly we were in the process of applying for a modification under the HAMP plan with Indy Mac, and they dual tracked us. We would receive foreclosure notices while in the midst of HAMP application, review and approval, up until the last moment. Thirdly, after I carefully submitted paperwork for review, Indy Mac would either call and say they never received it, or it had expired, and the entire application would have to begin again. Lastly, this whole process took nearly a year, the whole time being threatened with foreclosure. I wrote the State of Georgia Attorney General 's Office, called several National Hotlines for help and faxed Pres. Obama 's administration a complaint about the way I was being treated. Almost immediately after that, my loan modification was approved. At that time-XXXX, there was not legislation against dual tracking and requiring a homeowner to miss payments. I understand that is now in effect, and I am asking for relief from Indy Mac ( now XXXX Bank ). This process affected my health and XXXX immensely. I had XXXX very young children at the time, and looking back at that one year process and the negligence with which they handled the application process was a very bad memory. I understand now that certain mortgage companies have been and are being held liable for their actions during this time. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my job position was eliminated. I contacted XXXX and informed them of my unexpected situation. I was given the option to apply for the XXXX XXXX program. On XX/XX/XXXX I received a notification from XXXX of the credit bureaus informing me that my credit score has dropped by XXXX XXXX When I logged into the credit bureau 's website it stated that they've received information from XXXX XXXX, " mortgage balance increased by {$6700.00} from {$250000.00} to {$260000.00}. '' I immediately call XXXX customer service and after much research and speaking to a manager I was informed that the increase was due to shortage in my escrow account. The representative informed me that he was not able to see a change in my principal balance and was not sure why the credit bureau would report that. When asked why was I not connected or informed of the shortage and given the option to bring my escrow account up to current? I was informed that if I have not maybe a letter is in the mail system. The manager then instructed me to take a screenshot of the credit bureau 's report and email XXXX XXXX customer service. On XX/XX/XXXX I received a letter stating that they didn't find any errors. Again in XX/XX/XXXX, a different credit bureau reported the same thing. I contacted XXXX XXXX with a screenshot from now 2 out of 3 bureaus showing this information. On XX/XX/XXXX I received another letter stating that there were no errors found. I was advise to make a payment towards my escrow account until the end of my forbearance period.
Product: Debt collection

My business phone was not working properly with XXXX XXXX. I was losing customers due to poor phone service. Contacted customer service and was told No Problems. Take phone to our store and they will replace at no charge. Store refused to replace as promised. I had no choice to find alternate phone service. XXXX should be paying me for the Thousands of dollars of lost business. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX
Product: Mortgage

I lost my business in the recession in XXXX and was forced to file for bankruptcy.My house that I had at that time was included in that bankruptcy and discharged but Bank of America /XXXX ( not sure- this loan has been sold many times ) continues to send me notices that I not only owe the loan amount but interest they have calculated since then which they say is double the amount of the original loan, which they are claiming close to XXXX dollars!! Even though, I put down {$280000.00} deposit when the house was purchased in XXXX. I do n't know why this is continuing after all this time has past. I have also been sent recently a foreclosure on that same property from XXXX.
Product: Debt collection

1. Jefferson Capital system keep reporting false credit reports and saying that I have debt with them at the amount of {$8600.00}. I do not have an account nor have I ever dealt with this unknown company.. 
2. XXXX XXXX XXXX keep reporting false report and putting this in my credit file in collections and I never have dealt with this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX XXXX XXXX XXXX  Synchrony Bank attempted to hard pull my personal credit report without my consent. Furthermore, Synchrony Bank did not disclose that they would attempt to pull my personal credit report in any fine print. 

I attempted to sign up for a commercial/business gas card for XXXX XXXX who has partnered with Synchrony Bank for issuance. I was required to provide my social security number in addition to my business EIN however I did not select the option to provide a personal guarantee. 

Links XXXX XXXX XXXX XXXXXXXX [ click apply now ] -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ally bank locked my account for 3 months and didnot restored it. Been trying customer phone line which is always waiting after holding for all days. They dont support anycalls
Product: Mortgage

I got a forbearance due to covid and it ends on XXXX. On XXXX I sent in a request form for a Loan Modification, as I wanted to be proactive and get the payments setup before I was to resume normal payments. I did not wish for this to affect my credit. The Mortgage company sent an insulting and predatory loan modification offer to me that extended the term of the loan an additional 11 years, while only lowering the payment by {$260.00} per month. Naturally, I declined this offer and requested a deferral instead. That was 2 weeks ago, and they now say I am no longer elligible for a deferral since I requested a loan modification. I was never informed I would be giving up the deferral option when requesting a loan modification, and even if that was the case.. why was this information not shared 2 weeks ago when it was requested? I am now 10 days from the forbearance ending with no plan in place. It seems this will start affecting my credit unless we have a solution by then.
Product: Credit card or prepaid card

On XX/XX/2020 I wanted to book a flight on line with Spirit Airlines using my Bank of America Spirit Airline credit card using my miles reward. I wasn't able to book it on-line because my Free Spirit Number was incorrect. I called Spirit and was able to book the flight using XXXX of my XXXX miles and an additional cost of {$30.00} for fees. I asked if I could pay for my seat, baggage and change fee protection which their web-site said the cost was {$77.00}. I was told I had to wait for a confirmation number and then I could go online again and get that bundle for {$77.00}. However, when I went online a seat cost was {$45.00} and another {$45.00} for baggage and no change fee protection. Again I called Spirit and was told I could only get that {$77.00} bundle when I booked online. At that time I said I wanted to cancel my reservation and asked if I would get a refund for the {$30.00} and the XXXX miles. I was assured that I would get a refund and it would be credited to my account within 8-10 business days. No refund was been credited to my account as of this date. 

I also asked why I could not book a flight online using my Free Spirit Number but could call and book a flight using my miles. I was told only my husband has that Free Spirit Number account. However, my credit card has my name with the same account number and Free Spirit Number. I asked if I could add my name to the account, even though I have my own credit card and Spirit said I had to call Bank of America. When I called Bank of America they said Spirit handles that.

I have emailed Spirit several times and they told me I have a different Free Spirit Number but that Free Spirit Number account was closed when my husband and I opened this account through Bank of America.
Product: Credit card

On XXXX/XXXX/16 I purchased a shake sample with no contract or commitment. It said if cancelled within 13 days there would not be an auto ship. I cancelled the next day. I have a XXXX. I sent a email to the company the very next day and had confirmation that it was cancelled. The company billed me anyway. I made a mistake by filling a dispute with Capitol One as apposed to contacting the company. Despite my proof that I was NOT in the wrong, Capitol One re-billed the charge almost immediately. I spent 50 days and numerous hours trying to contact my " specialist '' whom I never was able to reach. I was lied to, told the dispute was not closed while I was getting letters saying the closed my case. I was reduced to tears and felt help helpless. I finally called the company. I was crying. They said they could n't believe Capitol One has put me through this ordeal as they could see that I was not in the wrong and they apologized profusely. They said since it was in a depute process, they could n't help. I contacted Capitol One again to learn that they refused to help me ...
Product: Credit card

The XXXX  stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Product: Vehicle loan or lease

I have been having problems paying my XXXX dollar car payment each month. Due to rising costs for everything and traveling long distance to work paying for gas. Just recently had a large maintenance bill. That really set me back. I have made XXXX aware of my situation several times. I have been pleading with them for a lower payment so I can make the payment each month and not have me behind every month. They refused to lower it. They have given me several extensions but after making a few payments on time. I find myself back in the hole again. The problem is the payment is very high. I feel I can pay this on time every month with a slight decrease.
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 sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$960.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  XXXX XXXX XXXX : {$500.00} XXXX XXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$290.00} XXXX  XXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Sending and receiving money through Zelle, where incorrect recipient was sent money and Zelle wouldnt refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Lender is a scam company and I'm in the process of taking legal action if this can't be resolved amicably. I at one point had both the lending account and the credit account. In order to qualify for the credit account you have to have 1 ) good payment history and 2 ) a certain amount " saved '' to " secure '' the line of credit. All in all ; all my money. Though I tried to hang on covid ran my business into the ground! I realized it was too much and I closed both accounts. On a recorded line ; their representative offered to waive my late payment fees, apply my existing savings, and XXXX out my account as a courtesy. On top of that ; they sent me a check for XXXX meaning with the credit there was still a positive balance.I decided to try again with a new smaller account and come to find out ; they been charging me late fees for MONTHS and reporting me for having missed payments. I told them via email this conversation took place with my XXXX and that they should run the call. I say this so they can fix this before it becomes huge. They blatantly ignored me.