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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} or XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Cross country Mortgage has stated I have not made payments in 4 months this is untrue I have made all payments during forbearance. I have also made payments over the amount they asked for They have reported that I owe more then I due and also add that I have outstanding amount of XXXX which is untrue when they had over XXXX XXXX dollars they report the mortgage is higher then what it it really is I called an asked for an itemized detail list of how the funds would be disbursed and have no repose I have never missed a month of the payments they reported I did I would like this fixed on my credit score I gave them all the payments and money and now am entering a new agreement with them and this happens
Product: Mortgage

I have tried 3 times to get someone to assist me with my questions and concerns with my escrow account. Stearns Lending LLC has failed with my email request as well as my phone conversation that I 've attempted twice. Customer service gives me the run around and states that the information about my escrow account can be found on their website. I want to have my escrow account reanalyzed for the current year, as i feel there is a significant overage. Ive attempted this request three times with no response or resolution.
Product: Checking or savings account

In XX/XX/2024, I filed a fraud claim to Capital One for a total amount of {$3700.00} against company called XXXX. I've told them that the purchases made were in fact not made by me and that I specifically stated that it was my nephew who had been using my debit card to buy stuff from a popular game called XXXX. Capital one denies my claim based on stolen information given.
Product: Credit card or prepaid card

I opened my account excited on XX/XX/2020 a month before the pandemic, on the following thats when the covid 19 pandemic hit and I was released from work I did my best to make my payments on time and i did on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and last month where I was struggling to make payments on XX/XX/2020 to capital one. 

I communicated with the company several times and they said they couldn't help me and to try calling again and every time I did the call would be very very hard to get through because it seemed they where getting an overwhelming amount of calls probably because of the same issue. 

I made 7 consecutive payments on time until the financial hardship caused by covid 19 it really made it incredibly impossible and its a little embarrassing because the payments weren't much but my income was even smaller. 

The company ( capital one ) then charged off the account and this something that haunts till this day. 

I have a job now, and I am back on my feet again making great money and being responsible and doing my very best to continuing to advance and however this is really affect me what I can do can with my life and it affects me me not just my self esteem but in real life everything is harder and I know that this isn't who my situation any more
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft there has been attempts to open credit cards and car loans under my name giving me hard inquiries on my credit report that are not mine. Im attaching my identity theft report which states all the inquires that are fraudulent & must come off. I will also be attaching my license as proof of my identity. The inquiries that are fraudulent are XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 we applied with XXXXXXXX XXXX XXXXXXXX to refinance, as soon as my credit was unlocked so the mortgage process person could run it, I began to get phones calls about 25 to 30 phone calls from several different mortgage companies. Everyone stated that Equifax gave them my information that I was running my credit for a refinance my mortgage... this appears to be illegal for Equifax to share my information, WITHOUT my consent... can you please help??
Product: Payday loan, title loan, personal loan, or advance loan

I noticed that I was being charged a very large tax & interest rate every other week and questioned why. I was advised it was part of Acima 's policy
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX and XXXX XXXX Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE XXXX XXXX OF MICHIGAN of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX, Experian, XXXX and XXXX XXXX Is falsely stating on my credit report and have yet to remove this from my credit report.
Product: Vehicle loan or lease

Account number # XXXX First and foremost, I want to thank the agent that helped me out last month when my problems were at their worst. She was very professional, reassured me that everything would be ok. She really helped keep me calm. I can not remember her name now, but she was a guardian angel indeed.

Now to the issue at hand. Over the last few months I've had to have the XXXX XXXX XXXX repaired not once, but twice, costing me about XXXX dollars each. The latest repair was to the oil pump sensor and the o2 sensors. I called them each and every time and tried my best to stay as current as possible, and keep up with my end of the responsibility of communicating with them. Most recently, I made XXXX payments in the amount of {$220.00} and {$250.00} respectively to keep the account as close to current as I could. XXXX trying to see where I am this week with things so I can figure out the rest but its been difficult. 

A few days ago I got XXXX separate letters, XXXX a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE a CO-SIGNERS NOTICE OF RIGHT TO CURE, the second of which was addressed to my spouse. Strangely dated for XX/XX/XXXX and I didn't get either til XX/XX/XXXX, leaving me little time to act. Both had different amounts on them and stated XXXX different actions if I didn't do anything, which is what prompted me to call and make the {$250.00} payment and let them know of my intentions. The agent I spoke too asked me what the letters said and told me they were automatically generated, to disregard them, and that as long as I was calling them and trying to make arrangements they'd always work with me. But why send me XXXX different letters with XXXX different verbiage???? 

I am trying my best despite my financial challenges the last few months to keep up, and I've kept up with my end of communicating. I have an XXXX XXXX that requires transportation to day care daily and need to hold on to the car and not risk repossession. My spouse also does not work for this reason at this time and is trying to find something that works. They say I'm out of extensions, but sometimes emergencies just happen and more often to some people.

I'd love if they can work out a break or an emergency extension of some sorts for me and my family, but they seem unwilling to with these letters.
Product: Credit reporting or other personal consumer reports

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect. The personal data reporting is inaccurate. 

XXXX, XXXX, XXXX  The following personal information is incorrect. The personal data reporting is inaccurate.
Product: Vehicle loan or lease

Documented that they call to collect a debt 2X a day minimum sometimes more 7 days a week, this is beyond harassment and has been brought to their attention on multiple occasions. This is just the phone calls and doesn't include the emails I receive as well.
Product: Mortgage

I've requested a loan amortization schedule from SPS Loan Servicing. During Covid-19, my loan was modified and converted from a conventional mortgage into a balloon mortgage. I've requested clarification as to how the balloon payment works with respect to the current principal & interest payments ( P & I ) over the remaining term of the loan. 

As of XXXXXXXX XXXX  : Interest bearing principal balance : {$310000.00} Monthly P & I is {$1400.00} ( {$1200.00} interest and {$270.00} principal ) I need clarification as why the interest amount being charged and collected each month includes the balloon payment or deferred principal of {$250000.00}? 

SPS Loan Servicing is unwilling to provide a copy of the loan amortization schedule or any discussion whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX, and Transunion credit reports. My latest credit report shows XXXX  credit inquires that I did not authorize. 
unauthorized Inquires from : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XXXX   XXXX   XXXX  request the Consumer Financial Protection Bureau to intercede where   XXXX    XXXX   XXXX  is still carrying my PAID IN FULL account as a CHARGE OFF. I find this practice to be offensive to  American  consumers. We American citizens were never given a bailout like our national banks. When I paid off even the back interest,  XXXX   XXXX   XXXX  had to take the credit item from sub-standard to standard, and that in effect removes the Charge off status. This is a violation of  Rule 5000  FDIC and it does apply to the fair Credit Reporting Act. If national bank can have it both ways pertaining their abusive practices of FDIC regulations against FCRA guidelines, whats the point of individuals working their way back financially from a financial crisis they caused. This account should be upgraded to simply PAID IN FULL!!!
Product: Vehicle loan or lease

I, applied for a car loan/ extension of credit from navy federal credit union and they denied me my right to credit and securities from the application, Violating the equal credit opportunity act of 1974, and invaded my privacy according to the privacy act of 1974 section 7, found at 5 U.S.C . subsection 552a disclosure of social security number. I applied for this car loan-extension of credit on XX/XX/XXXX and I wrote navy federal credit union XXXX XXXX XXXX ) and they have not replied to any of my affidavits. Attachments are added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated or deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Concerning my XXXX XXXX XXXX They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my XXXX account. Lateness for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) XXXX card services offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XXXX XXXX XXXX and was in effect until XXXX XXXX XXXX. You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to XXXX XXXX XXXX XXXX on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has XXXX chosen not to respond, it is also past the XXXX period legally for them to do so. On top of that XXXX, Equifax, and XXXX has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO XXXX  XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO EQUIFAX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX
Product: Checking or savings account

This past spring I received a mailer from Truist Bank offering a sign up bonus for new checking accounts. I went into their XXXX XXXX location and opened that account. While I was there, the banker informed me that I could get an even larger bonus if I set up yet another account. Which of course I did. I have many emails back and forth with that banker assuring me that all was well. No bonus ever hit. The manager gets involved. She claims to have taken it further. Still no bonus. It seems that the original banker did not know the terms and conditions and the bonus wasn't paid as the account was set up as my personal trust. I certainly think that people should be aware that they do not stand behind misinformed employees. Good thing I only brought them six figures and not seven! Obviously, I'll never do business with them again. Fascinating that I found a XXXX group that just talks about Truist Bank complaints.
Product: Credit card or prepaid card

The vendor, American Express, assessed a {$250.00} membership renewal fee on XXXX XXXX, XXXX. Because I pay my card balance through automatic debit, the vendor received automatic payment for the charge on XX/XX/XXXX. I contacted customer service on XX/XX/XXXX to seek a refund of the membership fee and to cancel my card, as I no longer used it. ( I had been a member since XXXX. ) I used the " chat '' function on the vendor 's site and spoke with " XXXX. '' " XXXX '' informed me that he could not refund the membership fee because I requested it outside of the XXXX window for such requests. I informed him that my immediate family had suffered a XXXX XXXX XXXX XXXX XXXX  after the holiday, and that I was unable to seek the refund during that time. I also told him that it seemed inequitable to refuse my request given that I requested the reversal 34 days after the assessment, and less than 21 days after paying it. XXXX informed me that if I terminated my card immediately, I would lose earned points that I had amassed. I therefore pended the termination so that I could use the points first. I did so, and promptly terminated the card on XX/XX/XXXX. 

I submitted the complaint through XXXX  XXXX XXXX XXXX and directly to American Express. On XX/XX/XXXX, an American Express representative called me to inform me that the bank would not reverse the fee. I clarified with her that the membership agreement does not specify whether the XXXX requirement is based upon calendar or business days. She did not disagree with the ambiguity, but nevertheless persisted that Amex would not refund the fee. 

I would like the fee to be refunded. If Amex wishes to apply the XXXX requirement for a refund to reflect calendar days, it should clearly state that requirement in its cardholder agreement.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I recently reviewed my personal information and found incorrect information on my credit report is this NAME 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

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 



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Product: Vehicle loan or lease

I need GM Financial to provide registration paperwork relating to our leased vehicle. Their phones and websites were closed for a systems upgrade but were supposed to functional on XXXX XXXX. My daughter has been trying to contact them since that date with no website functionality for a duplicate title and no answer tobtheir customer service lines. I took over this project as co-lessee on XXXX XXXX and have tried everything. Our dealer can not even get through to them. I took to XXXX to message GM Financial, but they have only responded with the same XXXX # I have been calling. Their phones are either busy or I get a message saying " due to high call volumes '' they can not take any calls. I have sent another message via XXXX. WHAT I WANT- to fix registration paperwork so my daughter can register her car. Please call or email, or provide a XXXX address ( not PO box ) so I can send a written request and copy in our lawyer. Thank you