23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was switched over to XXXX finance I believe in early XXXX. The earliest I remember noticing the random {$410.00} fees was around XX/XX/XXXX. I emailed the company many times asking for an estimation on the actual mortgage loan. I see reasons like vacant property reg. And corporate advance fee collected. We have been inside of my home since XXXX. The property has never been vacant since then and XXXX finance is not our original servicer. They have charged us these fees several times over I even have a different paper where they said the same fees were for attorney fees, and civil litigation and foreclosure, property inspection fees, litigation fees. Again, this property has not been vacant. We are for the most part on time with our mortgage, I cant remember the last time I was late more than 30 days and we have cameras all around our house on the outside no one has been by to do any type of property inspections. When I asked them about a property inspection they werent able to give me any information as to when they sent anybody by to look at anything. We tried to pay our city taxes early for the half year sometime around the end of XXXX and this early XXXX. They took the evaluation and pushed up our monthly mortgage payments stating how instead of paying our taxes into portions the beginning of the year and the half year- instead were going to charge us for the second half of the year and next year. Actually, Im just came across another one of the papers with me requesting their estimations and Im saying theyre random fees from as early as XX/XX/XXXX. I have a lot of these papers and I can provide some of them through email.
Product: Vehicle loan or lease

In XXXX  My daughter was in a Car accident in My truck that I got a loan through with Danco Financial the person who hit my truck insurance company pay them their money plus I had insurance at the time of the accident this company still filed a 1099 C and took my taxes plus I filed Bankruptcy that same year and it was discharged on my bankruptcy. they double tripled got there money for that truck.
Product: Mortgage

My Hazard insurance went down by over {$4000.00} and i requested an escrow analysis to adjust the house payment accordingly. I called on XX/XX/XXXX, XXXX pm and have call at least XXXX times since then on their recorded line requesting the analysis. 
I spoke to a supervisor who said it would be done last week. XXXX waited until today and it is still not done. I spoke to another supervisor and they said they would look into it. 
This is not rocket science. They are charging me the amount I was paying with my higher insurance payment for the last XXXX months. 

I have no documentation or explanations as to what they are charging me or why it is they are charging me for. My escrow analysis would show me that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed XXXX XXXX bankruptcy on XX/XX/2022. We notified Equifax of a XXXX account currently showing open that should be reporting as closed, XXXX balance and included in the chapter. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate Equifax.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a XXXX XXXX XXXX from an auto dealership in XXXX, AL. It wasnt until XXXX I found discrepancies in regards to the Retail Sales Contract ( Forged Signature ) that I am held to currently and the interest rate followed by the loan terms. In XXXX I began my journey of cleaning my credit, and it was at this time I noticed that my loan terms were 80-81 months, my Intrest Rate was 21.07 % and through my transaction history via the Chrysler Capital website I found that the majority of my payments went to Intrest and fees and hardly any to the principle balance. I have also noticed a trend in the company reporting incorrect amounts due to the credit reporting angencies. Concerned about the findings I requested a copy of my contract along with the XXXX-XX/XX/XXXX billing statements because I could only see statements preceding that period. I was told that the company had no way of accessing those statements and they could not provide such and that my contract would be mailed and in receipt shortly. A few days passed and I inquired about the contract again and was told that they would send another copy just in case. A little after a week I received the Retail Sales Contract during which time it was only one sheet and this contract stated loan terms of 74 months & {$460.00} beginning XX/XX/XXXX ; 1 month & {$440.00} Final Payment Due XX/XX/XXXX ( I am in receipt of the original ). A few days later I received a second contract with the arbitration as well but this contract state 75 months of {$460.00} and no final payment due and I noticed that the signatures were slightly in different places and my signature was not that of my own. Each document has a typed date stamp, and when I look over all documentation that I have I am led to believe that everything typed was done after the fact. I would have never consciously agreed to pay in total more than half of what a vehicle is worth especially when the vehicle traded was paid ( no monthly payments ) and in great working order. I am lead to this conclusion not only because of the credit reporting agencies are stating whats reported to them directly by the company ie. Loan Terms and APR but looking through my documentation, some documents have a date of XX/XX/XXXX and others XX/XX/XXXX. I made only one trip to the dealership at which time I had a witness and there are too many discrepancies to suggest all documents were provided at the time of purchase because they would have raised red flags for myself as well as my associate. I do know that the requested years statements would prove that the monthly payments changed especially in the beginning.
Product: Credit card or prepaid card

US Bank offered a cards that would give a cash back of {$200.00} after spending {$1000.00} in 90 days. I spent {$1300.00} then stopped using the card while waiting to see the {$200.00} credit applied. Four months later I did not see the credit and called the bank. I was told the credit wouldn't be applied until the " offer '' ended, which was 1 to 2 months later ( reportedly ). After not seeing the credit, I called the bank two months later and was told there was no such offer, that I was to have spent {$2000.00} in the time period not {$1000.00}, so I wasn't entitled to any credit. I subsequently cancelled the card.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Apologies if I didn't select the correct category for this, but this is what I am complaining about. 

I hope this correspondence finds you well. I am writing to bring to your attention a matter concerning my educational loans that necessitates careful consideration and resolution. 

During the period spanning from XXXX to XXXX, I pursued my education at XXXX XXXX located in XXXX XXXX, IL ( now closed ), culminating in my graduation in XXXX. Throughout my academic journey, I availed both federal and private loans to facilitate my educational endeavors. 

Recently, my federal loans were XXXX in XXXX owing to instances of misconduct and the subsequent closure of the institution. This development prompted me to explore the possibility of a similar discharge for my Signature Select private loans, which are currently serviced by Navient, formerly serviced as Sallie Mae. 

In light of the circumstances surrounding the discharge of my federal loans, particularly the misconduct associated with XXXX XXXX and the application of the FTC 's " Holder Rule, '' I firmly believe that my private loans merit equitable consideration for discharge on grounds of misconduct. 

For your reference, I have enclosed a copy of the letter titled " Notice of Borrower Defense Discharge Approval, '' which pertains to the discharge of my loans from XXXX XXXX in XXXX. 

I kindly request your assistance in assessing the eligibility of my private loans for discharge in alignment with the aforementioned grounds. Your attention to this matter and timely response would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXI ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with XXXX or dont care about it but they are violating it nonetheless
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem : - LoanCare , LLC incorrectly report " DELINQUENCY '' to all the credit bureaus for a mortgage payment for XX/XX/XXXX when it was paid. 
XXXX LoanCare , LLC incorrectly reports " XXXX '' to all the credit bureaus for a mortgage payment when the loan is transferred to another bank. 

What happened : - I purchased a home at the beginning of XXXX and LoanCare , LLC. was the lender. 
- I set all my auto mortgage payments through LoanCare , LLC website, and all mortgage payments were paid on time ( please refer to the attached documents ). 
- On XX/XX/XXXX, I made my XXXX and XX/XX/XXXX mortgage payments through auto payments ( please refer to the attached documents ). 
- On XX/XX/XXXX, LoanCare , LLC sold the loan to another lender ( XXXX Bank ) and stated the mortgage loan is being transferred, effective XX/XX/XXXX. After this date, a new servicer will be collecting your mortgage loan payments from you ( please refer to the attached letter ). 
- I contacted and complained regarding the issue back in XX/XX/XXXX ; however, the problem was never solved. 
- As of today, XX/XX/XXXX, the delinquency still appears on my credit report and has caused my financial issue because I wanted to purchase a new house, and the lender raised my interest rate and is in danger of being refused the loan.
Product: Vehicle loan or lease

According to my records there was no reason for repossession of this vehicle. The payments were up to date and the vehicle was in good standing. I have repeatedly tried to figure out why this repossession is appearing on my credit. I have tried to talk to several representatives and have information sent to me about this particular case to compare it to my records. Representatives from this company have failed to send the documentation for review of this account. I am requesting all records dealing with this account and for them to be sent within an appropriate time frame as per the fair credit reporting act. Once I receive the documents I can get back with you and get this issue resolved. I am also requesting the wet signature that was used to apply this account to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told they were allowed to run my credit to sell my closed written off debt
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication
Product: Credit reporting

On XXXX XXXX I pulled my credit report and found some questionable items which I disputed. Experian investigated these items and much to my surprise when I ran a report on XXXX, they inserted accounts that were n't on my report from XXXX XXXX. These were frivolous accounts from XXXX XXXX XXXX, that were closed back in 2011, which I had disputed before and removed. However, now Experian has illictly put them back on my credit report and they did not even serve me notice of re-insertion as required by the Fair Credit Reporting Act. 
When I disputed these accounts in XXXX with Experian, arguing that they can not re-insert accounts without serving me notice, they ignored my request and kept these accounts on my credit report. 
The accounts are listed under the following account # XXXX ... XXXX ... XXXX & XXXX. 
I have attached the before and after reports from Experian from XXXX and XXXX, that show the re-inserting of accounts.
Product: Debt collection

XX/XX/XXXX I noticed my credit XXXX  score update from XXXX was XXXX on my XXXX app. The reason given was " Serious delinquency '' and " Time since delinquency is too recent of unknown ''. 
I downloaded XXXX XXXX to investigate more and found an unauthorized account and personal line of credit opened on XX/XX/XXXX with Citizens Bank of {$5100.00} with a balance of {$4000.00}. The balance has not recieved payment since XXXX. 
Since then I have froze my credit reports with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). 
I will be reaching out to Citizens Bank, filing a police report, and contacting XXXX to dispute.
Product: Credit reporting or other personal consumer reports

This is my third formal dispute regarding the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my Experian credit report, and I am done tolerating Experians failure to fix this ongoing error. Despite multiple disputes and more than enough time to correct it, Experian continues to misreport the payment status as " Current, was past due 30 days, '' while XXXX and XXXX accurately reflect " Paid or paying as agreed. '' Experian also falsely marks the payment history as late, despite XXXX showing no late payments. I am tired of Experians repeated negligence and refusal to address these discrepancies, which is a direct violation of federal law. Under 15 USC 1666b ( a ), payments made on time can not be treated as late, but Experian is blatantly disregarding this law. Its failure to ensure accuracy violates 15 USC 1681e ( b ), which requires reasonable procedures to guarantee maximum possible accuracy. Experians refusal to conduct proper investigations as required under 15 USC 1681s-2 ( b ) and 15 USC 1681i ( a ) shows a complete lack of accountability. These violations are not only negligent but willful, as defined under 15 USC 1681n, making Experian liable for damages of up to {$1000.00} per violation. Its ongoing noncompliance also makes it responsible for actual damages under 15 USC 1681o. Additionally, Experians failure to comply with 12 U.S.C. 5531, which requires fair, transparent, and thorough dispute handling, further proves its disregard for my rights as a consumer. Experians repeated failures have caused harm to my credit, financial well-being, and emotional health. Enough is enough.
Product: Credit card or prepaid card

I purchased a home improvement project totaling {$2900.00} through Lowe 's on XX/XX/2019 and used my Synchrony Financial Lowe 's store card. I have since paid this purchase off. After the home improvement installation was completed, there were several severe areas of shoddy workmanship that caused my home to flood among other issues. I contacted Lowe 's and its contractor for resolution and received no response. I then submitted my dispute following Lowe 's dispute process through the USPS ( certified # XXXX ). 

I called Synchrony Financial on XX/XX/2019 to follow up on my dispute. A representative named XXXX advised that my dispute had not been received and offered no further assistance. I then asked XXXX if he worked in the dispute department to which he confirmed he did. I asked XXXX if he could initiate my dispute as the documents were en route to his department. XXXX advised that if he opened the dispute, that Lowe 's would send employees to my home to forcefully remove the three entry doors that had been replaced. I advised XXXX that his threat was an inappropriate scare tactic and requested to speak to his supervisor. XXXX ( employee ID # XXXX ) identified herself as an Account Manager. I asked XXXX if she was the Supervisor and XXXX responded that she " was as high as you're gon na get ''. What followed XXXX 's unprofessional response was an escalated and combative exchange about how unprofessional she is in her representation to Synchrony Financial. XXXX eventually disconnected the call with no assistance. 

Immediately following the heated exchange, I emailed the Office of the President for Synchrony Financial ( XXXX ) to report the scare tactics and abusive, unprofessional, and rude behavior I had experienced. I followed up with a second email on XX/XX/2019  requesting a response and assistance. To date, both of these emails have gone unanswered. This led me to filing this complaint. 

When I placed my call on XX/XX/2019 to Synchrony Financial 's dispute department, I expected to be assisted as the USPS had delivered my dispute. Following the call and email to the Office of the President, I received notification dated XX/XX/2019 that my dispute had been received. I do not trust Synchrony Financial 's dispute process as their representatives incorrectly advise that disputes had not been received when they had. Moreover, I have very real concerns about representatives like XXXX and XXXX handling customer disputes as they utilize scare tactics and unprofessional behavior to avoid processes and procedures in place by Synchrony Financial to investigate disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit to see what all I needed to do to qualify for a mortgage loan and noticed several accounts that I didn't recognize. So I pulled all 3 of my reports and saw multiple items across all 3. I knew I had to do something. So I decided to take action to get these items removed.
Product: Credit reporting or other personal consumer reports

A FCRA infringement refers to a violation of the Fair Credit Reporting Act ( FCRA ), a government rule that governs the collection, dissemination, and use of customer credit information. You are supposed to ensure that the information on my credit reports is 100 % correct. I endured harm as a result of this FCRA infringement. I am entitled to compensation for this violation, which I would prefer in the form of DELETIONS ; otherwise, I will have to refer it to my legal counsel. These accounts described in my letter are not 100 % correct, and I demand that they be removed immediately.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged account removed from my consumer report. EQUIFAX and XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX