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

On XX/XX/XXXX I called XXXX to have hard inquiries removed from my credit report because I did NIT authorize them. They told XXXX someone from the fraud department would contact me, but they never did. These unauthorized inquiries are still showing on my credit report. The inquiries that I did not authorize are : - XXXX  XXXX XX/XX/XXXX - XXXX of XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX reached out and offer for {$200.00} after meeting with a financial advisor and opening their bank account through UMB Bank. In XX/XX/2021 I had two phone calls with advisor XXXX XXXX and met that requirement. I then opened the bank account at UMB Bank through XXXX XXXX. Since then I have received {$100.00} but not the advertised {$200.00}. I have contacted support numerous times - I'll attach my correspondence dates. They have said they are " working '' on it. The offered a gift card instead but I would like the {$200.00} promised. It shouldn't take months for them to make good on their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a XXXX XXXX at Northwood Asset Management. He said that I tool out a loan from them for {$1400.00} on XX/XX/2020 and defaulted in XX/XX/2020 and is now at a balance of {$2700.00}. I never took any loan from their company and never applied for anything. He said that he would sent me a notice but there wasn't much that he could do about it.
Product: Vehicle loan or lease

My car is a total loss. My insurance ( XXXX ) is not able to issue the payment to me because the title of my car was never transferred to the financing company ( Ally ). I purchased a new vehicle from XXXX XXXX months ago, and the title was never transferred to Ally. I have been contacting both companies to solve the problem, XXXX and Ally, and none of them are taking responsibility for this matter. I have contacted XXXX and they have confirmed that the title of the car is under XXXX Lease name. I have been paying/financing the car through Ally for XXXX months and they seemed to never have the title of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Bank account or service

Bank charges me an overdraft fee but balance was enough to cover purchase
Product: Mortgage

I was doing fine until ... .. 
I have a 4.875 % and put in the application for a home mod thru Nationstar Mort Co. 
They told me I would have to go thru a FHA trial period for 4 months. They dropped my payment {$80.00}. After about 4 months they then told me I would be on a 4 % so that was bringing me down .875 %. I told them to cancel. I then made my regular payments. They sent me a check for {$300.00} and I called and was told that it was escrow money. I cashed it. About 3 weeks later I received a check for {$1700.00} and I told the wife that escrow must have been way over. so I cashed it. Now I am a month behind and they are charging me a late charge. I can not refinance or do anything until I make a double payment including late charges that are building up each month. I spent hours on the phone finally getting to the person that is capable of making decisions and they said they would call me with a decision. They did not call or respond in any way. If anyone has anything to do with Nationstar Mort Co. " Please beware ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally report that I have become a victim of identity theft, which I believe is a direct result of the Equifax data breach. This unfortunate situation has caused significant distress and inconvenience in my life.

Recently, I discovered unauthorized transactions and accounts opened in my name, which I did not initiate or authorize. After investigating further, I realized that my personal information, including my Social Security number and financial details, had been compromised due to the breach. This has not only affected my financial standing but has also caused emotional turmoil as I navigate the repercussions of someone else 's fraudulent actions. 

In response to this situation, I have taken immediate steps to mitigate the damage, including contacting my bank, credit card companies, and credit reporting agencies to freeze my accounts and monitor any suspicious activity. I have also filed a report with my local law enforcement agency and am in the process of gathering all necessary documentation to support my claim. 

I understand the importance of resolving this issue promptly and appreciate any assistance you can provide in helping me restore my identity and secure my personal information. 

Thank you for your attention to this matter. I hope to resolve this issue as swiftly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with   XXXX   XXXX   XXXX   XXXX  . During the course of the loan, I went through a Loan Modification program.   XXXX   XXXX   had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced.   XXXX   XXXX   is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by   XXXX   XXXX   . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted   XXXX   XXXX   several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. Wells Fargo is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.
Product: Credit reporting or other personal consumer reports

Identity theft in XXXX and again banking and securities fraud in XXXX and XXXX collapsed my 5 trust accounts. I late payments were a result of fraudulent overtake of my online banking. All accounts have been settled since XXXX. But I lost access to my asset backed open ended credit lines due to the Credit Reporting Agencies- not bureaus -- ' inaccurate reporting and failure to stop and correct the record. The Credit reporting agencies as defined by 12 USC ~5491, have incorrectly reflected my strong payment history, ability to pay, and financial responsibility : XXXX XXXX ; in full and on time for 42 years ... yet the agencies reported hard pulls from that company and inquiries where none existed... 
Being of sound mind and of the age of majority I hereby notice y0ou of my recession of signature for use expressly and implied on any documents, but not limited to electronic signatures or blank endorsements on securities, liens, and judgements issued before now after said notice and provide this notice of reelection by breech of trust and do hereby demand that they cease and desist all negative reporting measures in regard to collecting and furnishing information publicly displayed and privately obtained and collected through a third party and not through this original creditor, myself, as principal and surety of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing three credit card accounts that have been listed on my credit report by Equifax without my authorization or involvement. I have never opened or used any accounts with these institutions and have not authorized any third parties to open such accounts on my behalf. Therefore, I am requesting that Equifax validate these accounts, including the name and contact information of the original creditor, the date of last activity, and the amount of alleged debt. 

I have sent a XXXX dispute letter to Equifax requesting the validation of these accounts, and if they fail to provide the requested information or remove these items from my credit report, I plan to pursue legal action against the company for violating the Fair Credit Reporting Act and causing damage to my credit rating.
Product: Mortgage

As part of a Federal Housing Administration based re-finance in XXXX XXXX with our lender for my home and investment property, my mother and I would incur five years of mortgage insurance during the beginning of a 30 year fixed loan with a 3.75 % interest rate. To get my mother and me to agree to this re-finance, on XXXX XXXX, XXXX, our lender promised in writing to pay for the last 17 months of those mortgage insurance payments, from XXXX XXXX, XXXX through XXXX XXXX, XXXX if this loan still had mortgage insurance on XXXX XXXX, XXXX. This re-finance was our XXXX with this lender on this same property, and the lender 's promise was the XXXX of its kind. However, this is the first time for the lender to honor one of these promises. 

In XXXX, XXXX, I asked the lender whether they would honor their promise made during the XXXX re-finance. In response, the lender indicated it would not, and refused to agree that it had even made a binding promise. In addition, the lender gave me a document to sign as part of an effort to resolve our dispute, that said that the employee representing the lender during the XXXX re-finance was a " rogue employee ''. My mother and I refused to sign. In fact, we had worked with this same employee on the lender 's behalf throughout all three re-finances of our property. 

Because the lender attempted to have my mother and me sign a statement that stated this employee was a rogue employee, on XXXX XXXX, XXXX, I asked the lender some questions in writing about that employee 's representations on the lender 's behalf during the XXXX re-finance, and requested that the lender answer those questions by XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the lender sent me a letter acknowledging receipt of multiple correspondences. However, the lender has still not provided responses to the questions as of the time I filed this complaint. On XXXX XXXX, XXXX, I asked the lender whether it intended to answer the questions sent on XXXX XXXX, but received no response as of the date of filing this complaint. 

Additionally, on XXXX XXXX, XXXX, I asked the lender to provide the signed and notarized re-finance documents for the XXXX, XXXX, and XXXX re-finances of our property. I am concerned that the lender will not provide this information because it has already not answered our first set of questions and not indicated whether it intends to do so.
Product: Debt collection

Account : XXXX Balance : XXXX USPS Certified Tracking # : XXXX Mail Date : XX/XX/2019 I've requested that Portfolio Recovery Associates, LLC validate the debts they claim I owe which includes proof that I am indeed the party they're are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I specifically requested for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which included the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Subject : Request for Information on Bankruptcy Verification Methods I am writing to you regarding the bankruptcy listed on my credit report. I would like to know the specific methods you used to obtain and verify this information. 

It is important to clarify that I am not disputing the existence of this bankruptcy on my credit report. I simply wish to understand the procedures and sources used to include this information in my file. 

I would appreciate a detailed response explaining : The specific sources from which the bankruptcy information was obtained. 
The verification method used to confirm the accuracy of this information. 
Any entities or third parties involved in the process of collecting and verifying the data. 

Thank you in advance for your cooperation, and I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a call from a man claiming to be from a courier service. He said his name was XXXX XXXX. He asked to speak with " name ''. I did not confirm if I was the person he was looking for, I simply asked : " What is this regarding? '' He said he was looking to deliver a sealed document to a former address. He said he was hired by XXXX and XXXX to deliver a sealed document. XXXX XXXX gave me a case number and an 877 number to call to get more information but they were an " arbitration firm. '' This call lasted approximately 2 minutes. 

I called the 877 number and " XXXX XXXX '' answered the phone. I told him about the previous call and gave him the case number provided to me by XXXX XXXX. XXXX XXXX told me it was a " wage garnishment for {$1900.00} '' from Citi Bank with a court date of XX/XX/XXXX. He never gave me a case number, nor a state in which the case was pending. I informed him that I didn't go by the name provided anymore and I had paid the debt in 2015. He quickly hung up on me. The entire call lasted 47 seconds. I called back several times only to be hung up on 3 times. I left a message demanding a callback or I would file a complaint with the bar association. I attempted to call back two more times only to be immediately transferred to voicemail. The " firm 's '' website is lacking any identifiable information except an address in Washington D.C.
Product: Credit reporting or other personal consumer reports

XXXX 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 COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the remove of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act. Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and deceptive as they did not comply with error resolution requirements under the EFTA and regulation E. these actions had caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

On XX/XX/XXXX, my vehicle was struck by another driver who was trying to complete an illegal U-turn on a four-lane highway. My vehicle was deemed a total loss by my insurance on XXXX XXXX. Since XXXX XXXX, I have made several calls to M and T Bank ( finance company ) regarding assistance with XXXX XXXX XXXX ( my Gap Insurance ). My finance company indicated that after my automobile insurance payment the remaining balance was XXXX. I submitted the information to my gap insurance carrier and they only agreed to pay {$3600.00}. If this was correct, I would still be out of pocket {$3300.00}. In addition, the gap provider known as XXXX XXXX XXXX indicated that I missed several payments that were actually paid. 

For instance, Gap reported no payments for XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. 
XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was paid on XX/XX/XXXX I submitted payment history to the Gap carrier, and they are not willing to review it. The Gap insurance advised me that M and T was not accurately applying my payments and indicated that some payments were applied to interest only. In addition, the Gap carrier indicated that I was charged interest for some payments when I shouldnt have been ( as some payments were made during the 10 day grace period ). 
M and T indicated that the Gap Insurance shorted me {$1600.00} and I've requested documentation from M and T to send back to the Gap carrier but they have not been willing to provide it. 

I'm requesting that M and T to help me resolve the issue its almost two months. Ive been hung up on, promised call backs that were never received, transferred back and forth, and now I need both parties Gap and the Finance company ( M and T ) to help me resolve the issue and review all appropriate documents.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

On XX/XX/2022, I called American Express Customer Service at XXXX to request a reallocation of credit limit from XXXX American Express personal credit card to another. Instead of processing the request as a reallocation, the customer service representative that I spoke to first processed a credit limit decrease on the first card, then required me to submit a credit limit increase request on the second card, which I later learned is not the correct process for reallocating limit between XXXX existing cards. The credit limit decrease took effect immediately, but the credit limit increase request was denied by American Express, resulting in a decrease in my overall available credit rather than a reallocation of credit as I had requested. I later spoke with a different American Express representative who confirmed that the first representative followed the incorrect process.
Product: Checking or savings account

i've been a member of BBT truist for ten years, i have several accounts with them recently they changed to truist and one of the branches severely declined in service. it became predominantly XXXX and i felt prejudice when i would use that branch. one of the tellers refused to give a withdrawal of my money despite him knowing exactly who i was. consequently i became mad and told them their service was horrible. then i left. they closed my accounts months later leaving me in financial limbo with no means to pay my bills