23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I co-signed for an auto loan for my daughter whos is not paying. Pinnacle Financial Group call me up to 4 times every day. I spoke to my daughter a couple of months ago and we decided to surrender the car. The company advised us that they would send out a letter to fill out for voluntary surrender. the form never came. they kept calling me and i asked about the form. they said they would send out a new one and it never came. I do strongly believe they are lying to keep the interest  going upas long as they can. just yesterday XX/XX/20 they pulled a credit inquiry on my credit report without my permission. I do not believe that is legal. they have every right to report late payments etc ... .but i do not believe they have a right to pull a credit inquiry without my permission. this has caused credit score to drop even further.
Product: Credit reporting or other personal consumer reports

In XXXX I have been a victim of Identity theft due the Equifax XXXX XXXX. 

XX/XX/XXXX - Dispute date with Equifax XX/XX/XXXX XXXX Dispute date with Equifax XX/XX/XXXX XXXX Dispute date with Equifax XX/XX/XXXX - Dispute date with Equifax XX/XX/XXXX - Dispute date with Equifax Are all dispute dates that I have been dealing with Equifax because of their error.

I humble myself to simply say these were the disputes due to the accounts open on my credit profile .... 

Because there are many accounts I will simply upload the documents I have submitted to them. They are not following the protocol nor law to legally protect me for I AM a victim of ID Theft. They don't seem to care about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up a credit card with Synchrony Bank and was giving a {$200.00} credit limit. I used my card for the first time on XXXX and contacted the customer service office to verify my billing date and when the balance would be reported to the credit bureau. The women I spoke to informed me that even though my balance was due every XXXX of the month, I did not have to make a payment until XX/XX/XXXX not XX/XX/XXXX. I asked her several times for confirmation being that I am in the process of purchasing a home and rebuilding my credit. She confirmed that the balance would not report until after XX/XX/XXXX. Today XX/XX/2019 I receive an alert from my credit monitoring sites that {$170.00} was reported to my credit report, which dropped my score 17 pts. I immediately called the and spoke to XXXX batch # XXXX who was unable to help me. I asked to speak to someone in the united states and spoke to XXXX batch XXXX who was apologized for the error but said there was nothing she could do. I then spoke to XXXX a customer service manager, who said he also apologized for the error but there was nothing he could due. I asked to speak to his manager and he said there was not anyone available. I am in the process of purchasing my home and this is not our error. if they can pleasssssse listen to the conversation on the XXXX it confirmed the incorrect information giving to me. My balance should reflect {$0.00}. We are not going to be able to purchase our home because of this company. This card is a ripoff and ruining people life 's due to their error.
Product: Credit card or prepaid card

I have called emailed them and filled a few disputes because as I explained to them my phone with access to all my cards and access to every account I had was stolen when I was in the process of becoming homeless and I did get 2 of my disputes to go thru but they denied the rest even though they were from the same day as the one that went thru and same kind of transactions and they even closed my account and are treating me like a criminal me and my XXXX son lost everything we had this year starting with our home and because of XXXX and netspend became homeless please help me correct this injustice and make them correct their ridiculous actions and the card was reported and the dates are all the same they have been bullshitting denying disputes that happened on the same days have not provided the PC and even blocked my emails instead of helping me in the hardest time of my life they just made it more of a nightmare to where I cant even call them or speak to a supervisor or anyone other than who answers the phone
Product: Credit card or prepaid card

On XX/XX/2021 I received a call from Bank of America ( BOA ) stating that my Employment Development Department ( EDD ) debit card was frozen due to suspicious activity. After speaking to the representative, they informed me that on XX/XX/2021 there was an ATM balance inquiry and withdrawal for {$1000.00} in XXXX XXXX, CA. Following the first withdrawal, there were four more fraudulent charges everyday from XX/XX/XXXX to XX/XX/2021. Each withdrawal for {$1000.00}, totaling {$5000.00}. XX/XX/XXXX and XXXX were in XXXX, CA, and XXXX in XXXX XXXX XXXX on XXXX and XXXX on XX/XX/XXXX and XXXX. I have submitted a fraud claim to BOA on XX/XX/2021 and was denied, even though BOA themselves alerted me of the suspicious activity. BOA has not done anything to help ; just deny my claims. They have closed my case two times since I've initially filed the claim on XX/XX/2021 and I have received no explanation as to why my claims were denied/closed. They had frozen my initial account which I was able to unfreeze and take out the remainder of the balance which was {$250.00}. I currently have a new EDD card with them with no balance on it. I have only used the BOA ATMs in XXXX, CA and XXXX, CA, the last date of transaction from myself being XX/XX/2021. All transactions made starting XXXX XXXX from various locations are fraudulent. A Police report will also be made today.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my credit report remains unresolved despite my numerous attempts to address it. The presence of these items has profoundly impacted my life, causing me significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

I have XXXX accounts with upstart. XXXX is 3 months late. Upstart cancelled my auto payments, I haven't been able to access the account as the email address associated with it, I no longer have access. I have reached out to upstart to schedule a meeting when I can talk with a supervisor, but they won't schedule an meeting. Instead, despite me telling them I work and can't just randomly take phone calls, they continue to ignore my meeting requests and instead just call me whenever which is always when I am at work. They won't help me gain access to my account. When I talk them to request a payment plan that will get me caught up to speed, I am told tough luck.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, TransUnion must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

10.6
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

As per Home Owner 's Protection Act the Private Mortgage Insurance will automatically terminated when the principal balance of loan reaches 78 % of the original value of the property. HPA disclosure attached from XXXX Bank ( my previous loan service provider ). 

My loan service provider confirmed that my loan is 64.60 %. 

I requested them to terminate PMI automatically as I qualify as per HPA but they refused to terminate.
Product: Mortgage

I ( XXXX XXXX ) discovered in XXXX of XXXX that my mother 's property ( XXXXXXXX XXXX XXXX XXXX XXXX  NH XXXX ) had been abandoned by my father ( XXXX XXXX ). Although my sister ( XXXX XXXX XXXX and I were both on the Deed and Mortgage since XX/XX/XXXX, I was not informed that XXXX had XXXX the property. For context, I have no contact with XXXX or XXXX. In addition, the mortgage company has never contacted me with any information, or mortgage updates. 

Upon finding out that the property was abandoned, I drove up from Rhode Island to inspect and confirm that abandonment. In addition to the abandonment, XXXX took 100 % of my mother 's belongings along with most of the faucets, hot water tank, sinks, and other metals. 

At that point, I hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX ] and began the process of Petition to Partition the courts to force the sale of the property ( advised by XXXX and XXXX even though I made it clear I wanted to retain the property and fulfill my mothers wishes. 
XXXX and XXXX attempted to negotiate with XXXX XXXX ( XXXX  father ) to which he become volatile and combative, refusing letters and court documents. 

At the same time as all this was underway, I began calling and emailing Rushmore Loan Management Services to try and take over the loan payments. As of this letter XXXX XX/XX/XXXX, Rushmore Loan Services maintains that they will not provide me any information on the Lease, Loan, or Deed, ( despite both myself and my lawyer providing all the necessary documentation many times, including phone calls ). 

Rushmore Loan will not accept loan payments, negotiations or discuss the property status with me. 

I spoke with the propane in XX/XX/XXXX while trying to set up services again and they show that the propane has been shut off since the Fall of XXXX and they had to retrieve the propane tank for the safety of the property. This means that XXXX abandon the property in late XXXX or early XXXX. 

Lastly, XXXX XXXX XXXX for bankruptcy in XXXX and her share of the property was sold to an outside investor by the name of XXXX XXXX XXXX When my lawyer called him to discuss the property he stated he did not know that he owned it. 
As of this letter, the XXXX XXXX is scheduled for XX/XX/XXXX. XXXX is of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by XXXX XXXX, XXXX is not valid. The XXXX XXXX  credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX  is in breach and XXXX XXXX, XXXX is attempting to collect a invalid debt.
Product: Mortgage

I have a home mortgage loan with Ditech. My name is XXXX XXXX. My loan originated with XXXX XXXX XXXX XX/XX/XXXX. I purchased my home with over 30 % deposit and decide not to set up an an escrow account to impound property taxes. Several years ago XXXX sold the loan to Greentree financial, then Ditech took over Greentree loan. I have never been delinquent in paying my mortgage ever. My spouse pays the mortgage automatically through his checking account electronically. I received a Call from a Ditech XX/XX/XXXX debt collector indicating I needed to call them. They were stating they were debt XXXX. I called them and apparently they are collecting for taxes they paid and late fees. I paid the property taxes, but asked them to not impound the taxes. I requested they waive those junk fees, because I pay my own taxes as my mortgage documents stipulate. ( loan # XXXX ) I also asked for a proper verification of debt, they refused. They refused to undo the impound escrow account. I was transfer from rep.to rep. I paid the taxes, even though I did not have a verification of debt, cause online statement says they paid it on the XX/XX/XXXX. They were due on XX/XX/XXXX. I made a payment today of {$1500.00} to go the property taxes. I want them to provide an itemization of what they paid, to do a reversal of all the junk fees they put on. My payments have always been on time. they refused to let me speak with managers, and did not respond to the fax I sent XX/XX/XXXX. I do not want them to report my payments as late. they need to review the docs I signed with XXXX to see I pay my own taxes and insurance. this is a ploy to try and foreclose on my home illegally. Property address is XXXX XXXX XXXX, XXXX CA XXXX. The XXXX county treasurer tax collector said they have created a lot of problems for home owners such as me. I ask for your assistance to solving this problem, since no one at Ditech cares about fixing the errors they made which are causing me financial distress. They also sent a debt collection letter with some other persons name one it and a different collection amount. They admitted sending lots of these letters out in error. I believe they did this to collect fees in an illegal manner. This predatory lending practices and it is unethical. Please assist me if handling this problem and email me at XXXXXXXXXXXX This is so stressful. I never had a problem with XXXX XXXX XXXX when they handled the loan. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Transunion are reporting false information on this account, and they agreed to fully remove this from my credit and hasn't, please provide me with the accurate information, this effects my life and you guys are listing wrong and inaccurate info 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: Mortgage

I have a mortgage with Seterus who is servicer for my loan. my monthly mortgage payment was {$2300.00} ( principal + interest ) paid on XXXX XXXX, but Seterus increased the payment to {$3000.00} due by XXXX XXXX in which they say escrow account added, but it is without my approval. 
I have asked customer service dept ( XXXX ) to remove escrow account on my loan verbally and in writing since XXXX XXXX, but they have not removed it until today. 
I never opened escrow account before, so I do not need to pay escrow amount in addition to original mortgage payment. it is their mistake and it should be corrected back to previous status and it is time sensitive matter but they gave me a false instruction and a lie so that I have n't got any corrected statement yet. 
1, 1st time call : XXXX XXXX, lady ( did n't get name ) advise me the will fix the problem, just ignore the bill statement with increased amount and I shall be given updated bill statement soon. but nothing happened 2. 2nd time call : XX/XX/XXXX, XXXX XXXX, told me that previous customer service agent did not do anything, so she was now making a special request for fixing the problem and advise me to wait until next week but nothing changed. 
.3. 3rd time call : XXXX XXXX, XXXX XXXX and XXXX XXXX ( supervisor ) told me that they can not handle this problem and I need to submit the request in writing to correspondence department XXXX. XXXX XXXX : I faxed the request and I have confirmation email from correspondence dept on XXXX XXXX XXXX. XXXX call : XXXX XXXX, XXXX XXXX, asking her to expedite the request so that I can just pay same amount as contract on next due but told me just wait until they respond to me. she said it will take one month. 
summary ; - it is seterus that made the problem, they should corrected this problem right away but customer service agent told me a false instruction causing to wasting of time - customer service agent said they can not handle escrow account issue and ask me to contact correspondence department directly through fax after 2 weeks of false instruction. 
- they said correspondence department will respond me within 30 days - but next due is XXXX XXXX and I just want to pay same amount as I always paid which is not with escrow account. 
- customer service agent asked me to just wait until correspondence dept answer and pay increased amount with escrow account which is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the two accounts reported under Credit Bureau XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX  XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Credit reporting or other personal consumer reports

I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAWI HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT.
Product: Credit card or prepaid card

Hello, I have an Amazon Store Card through Synchrony Bank. They took out my payment twice from my checking account for {$250.00} on XX/XX/2023. 

I contacted them on XX/XX/XXXX about the issue. Had I not mentioned it, they would have never said anything. 

I currently have a credit of {$250.00} on my account. The customer representative told me a check was being sent and might arrive in XXXX business days.

This was an electronic payment ; it needs to be reversed electronically and immediately. The company sitting on my money for 14 business days is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the last 6 months to have Transunion update my credit report to include my XXXX Chapter XXXX Bankruptcy without success. They are absolutely no help. They keep telling me that they get the information from a vendor ( they will not provide the name of the vendor ) and that the file is accurate. I have contacted the court where my bankruptcy was filed an XXXX and they told me they don't work with the credit reporting agencies. So, no one will help me. My Transunion credit report just shows bad debt and a statement from me that they were included in Chapter XXXX Bankruptcy. However, when I apply for credit I am turned down because it appears that I'm in an open bankruptcy because the bankruptcy and XXXX are not on my report as a public record.