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

I have exhibits attached in the upload section please review, and my vehicle was illegally repossessed from private property the contract that was misled and delivered in a deceptive way to me as a consumer it was never a loan. It was a consumer credit transaction, and now they steal my property from my property without legal order without providing any proof of their claim that they are in fact, legally able to threaten or take any of my property I need proof that the law states that thats OK and also the identity theft to furnish my information to non-public third parties thats illegal and all I know that my rights have been violated OK and I am a victim of identity theft and I have damages and theyve injured me and I need my vehicle back and I want to go ahead and pursue charges and I do not want this company reporting any negative information on my consumer reports as that is against the law I have all of the codes I have all the regulations according to law Ive already emailed them. Ive sent them certified mail of dispute, requests and theyve failed to respond, Ive also called many times and got it on recording calls that I am requesting these items, but they will not give them to me. I need a full accounting, step statement, ledger, showing the history of the full account, including the on and off ledger for the public on the private side I need every single accounting every single transaction, every single letter every single notice every single correspondence every single statement bill payment receipt invoice, any disclosures that I know that Im supposed to have as a consumer I need wet signatures on everything. I need a wet signature on my application which is the funds and I need to have capital one and XXXX proved to me with visible proof and that that I am the debtor and I am responsible for the double dipping of this transaction, and I need all everything mailed to me at my address which Ive provided and I need capital one XXXX XXXX, credit and capital one auto finance in XXXX XXXX XXXX to send me a copy of the contract and application and prove to me that they gave me alone written proof that they gave me alone and I need the written consent form that they were able to furnish my personal information and I need my property back tomorrow morning theres damages and we have an invoice so lets move forward. Thank you.
Product: Debt collection

I have contacted XXXX  they were not able to validate this debt # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft connected to the recent data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The data breach has caused me considerable distress and financial harm. I demand that XXXX take immediate action to block and permanently delete these fraudulent entries from my credit report. Additionally, I expect written confirmation that this information has been removed and an explanation of any findings related to your investigation. 
Should you fail to comply with this request, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other relevant authorities to ensure that my rights are fully upheld under the law. 
Please confirm receipt of this letter and provide a resolution within the timeframe required by federal law. Should you need further information, you may contact me at the contact information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to own three XXXX XXXX XXXX. At some point one of my ex  managers used my information WITHOUT my approval or signature to open accounts without my knowledge. There are now two accounts from XXXX XXXX reflecting negative information on my personal credit reports. I have filed a police report addressing the problem and have contacted the credit reporting agency. XXXX XXXX still refuses to remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a vehicle they had for sale. The sales agent asked me some verbal questions about my income, credit, etc. I explained that I was working to repair my credit. Agent asked if the finance manager could " check my credit '' to see what the score was. It was low. I told him I was not interested in going any further. I did not fill out an application and I DID NOT authorize Fields verbally or in writing to " shop me around '' to various lenders, who each pulled their own HARD INQUIRY. I was not aware of this until a later date. I reported this crime and misuse of my personal information to XXXX and nothing was done. Experian does not permit a dispute for all these inquiries to be done on line. So, I called in. There is no option to speak to a person. So, how am I supposed to dispute this????? I did not authorize these and XXXX XXXX has significantly harmed by credit rating and Experian is not available to assist. Can you help me with my compliant against Experian and XXXX XXXX?
Product: Mortgage

As part of the CARES act we deferred payments on our mortgage for six months from XX/XX/XXXX - XX/XX/XXXX and opted to move the payments to the end of the loan. We received paperwork dated XX/XX/XXXX ( due XX/XX/XXXX ) to resume payments which we returned on time. In XX/XX/XXXX, after realizing our autopay for XXXX was not taken out of our account, we called customer service and were told we had to make payments via phone and that we were unable to use autopay while the paperwork was being finalized. We were then given a 90 day timeframe for completion for Truist to have our loan modified. In XX/XX/XXXX, after months of paying by phone and one month where Truist pulled our mortgage payment twice without authorization, we received another set of Loan Modification paperwork in the mail stating Truist made several errors, that they were increasing our monthly payment, and asked that we re-execute the paperwork. We did so, on time, and were told that the 90 day window for Truist to complete our Loan Modification would start again and would presumably be finalized by XX/XX/XXXX. 

In the months since starting this process and paying our mortgage by phone, we have received 4+ sets of paperwork telling us our mortgage was increasing, with different amounts each time, and that we had an increasing escrow shortage. While looking further into this matter, we discovered that all of our mortgage payments from the past 8 months are being held by Truist and have not been applied to our loan which is showing a forbearance status as of almost XX/XX/XXXX. We have been calling repeatedly over the past 8 months only to be on hold for 60+ minutes, we have been hung up on several times, and each time we are assured that the staff member assigned to our mortgage would reach out to us, which she has never done. We then emailed the Truist staff member, and those attempts at communication were also ignored. 

This was a six-month payment deferral started in XXXX that is now a never ending forbearance in XXXX. Truist has been holding on to our payments without applying them to the loan and will not take our mortgage off the forbearance status. It is impacting our credit and ability to relocate. We have missed out on lower interest rates on a new mortgage because they are reporting us as being on forbearance, they will not apply our funds to our mortgage or escrow account, will not return our calls or emails, they have not serviced our loan since XXXX, and will not bring the account current.
Product: Mortgage

My complaint concerns the failure of my loan servicer, NewRez LLC ( " NewRez '' ), to pay my homeowners insurance premium from my escrow account. When I was forced to make the payment to avoid cancellation of the policy, NewRez refused to reimburse me from my escrow account.

On XX/XX/XXXX, I refinanced the mortgage on my condominium located at [ redacted ]. The loan originator was XXXX XXXX XXXX , XXXX. 

When I refinanced the loan, I submitted evidence of insurance that I had homeowners insurance with Illinois XXXX XXXX XXXX ( " XXXX '' ). XXXX listed XXXX XXXX XXXX , XXXX as the mortgagee on my policy, and the premium was set up to be paid from my escrow account. 

Shortly after I refinanced, my mortgage was sold and NewRez was named the new loan servicer on XX/XX/XXXX. NewRez thereafter took no steps to contact XXXX to update the mortgagee clause on the homeowners insurance policy. 

Because NewRez did not notify XXXX  that they had acquired the loan, XXXX sent XXXX XXXX XXXX the bill for the renewal premium in XX/XX/XXXX. I advised XXXX on XX/XX/XXXX that NewRez had acquired the loan. The XXXX agent, who is incredibly responsive, attempted to contact NewRez several times over the next month to get information about how to submit the bill for payment and update the mortagee clause, but New Rez did not respond. A copy of my correspondence with XXXX is attached as Exhibit A. 

On XX/XX/XXXX, XXXX notified me that it still had not received payment of the premium and that my policy would be cancelled if payment was not received by XX/XX/XXXX. Given NewRez 's  complete failure to respond to the XXXX agent on this issue and my difficulties getting NewRez to pay anything out of the escrow on another issue, I had no faith that NewRez would pay the premium by XX/XX/XXXX. I accordingly paid the premium myself on XX/XX/XXXX to avoid cancellation of the policy. A copy of an e-mail confirming that I paid the premium is attached as Exhibit B. 

I called NewRez later that day to request reimbursement of the premium payment and seek an explanation as to why NewRez never responded to XXXX ' inquiries. The customer service representative sent me a form for XXXX to submit to update the mortgage information on the policy, but would not agree to reimburse me for my premium payment from my escrow account. 

XXXX  submitted the form provided by NewRez to update the insurance information on XX/XX/XXXX, but NewRez has not processed it. ( See, Exhibit C ). In subsequent phone calls with NewRez, the representatives tell me that I can not obtain a direct reimbursement of the premium payment from my escrow account. Instead, they say I can only get a reimbursement from XXXX after NewRez pays the premium. NewRez, however, still has not paid the premium, and it will not because the amount due on my XXXX policy is {$0.00}. A copy of my correspondence with NewRez is attached as Exhibit D.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 a door to door salesman came to my house offering security equipment for the house. He said everything was free, I would just have to pay for the service. I am hard of hearing so I read lips and my understanding was that it was free equipment, which was installed immediately. I was shown things on a tablet and never given any paperwork. I never looked over the emails that I received from citizens XXXX because I thought it was just part of XXXX. When I went to cancel last XXXX, I was told that I owed almost XXXX for the equipment. I had a friend search through my emails and discovered that salesman lied and committed fraud. All the paperwork that has the financial details is dated the XXXX and obviously were forged because he was at my house on the XXXX. I did have an email from Citizens XXXX on the XXXX welcoming me and then I have an email from the XXXX that said I was denied a loan. I have contacted XXXXXXXX XXXX XXXX and they are unwilling to take the equipment back and get rid of my charges even though their representative lied to me. I have also had my friend call citizens pay XXXX and they have not returned the calls. I did let them know that the emails don't match up with dates and are fraud because I didn't sign for them and how do I have a loan when I wasn't approved. I have attached emails from both companies showing the dates are not matching up.
Product: Debt collection

I am writing to dispute the accuracy information of my credit report as provided by your agency. According to the fair credit reporting act ( 15 USC 1681 ), I have the right to challenge any information that i believe to be inaccurate or incomplete. Upon reviewing my credit report, I noticed that there are entries indicating that you have furnished or obtained information about me.However, I want to clarify that I have never provided written consent for your agency to either furnish or obtain my information.Please provide documentation that demonstrates my written consent for such actions, as required by law.If you can not provide this documentation, I request that you remove any entries on my credit report that were furnished or obtained without my explicit written consent.I expect a prompt investigation into this matter and a timely response within the statutory timeframe. Thank you for your attention to this matter.
Product: Debt collection

On or around XX/XX/2022 Portfolio Recovery associates LLC retained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A lawsuit mill that has represented itself as a legitimate law firm to sue and harass me in court Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX XXXX would not and refused to produce proper documentation supporting their claims to the debt, both title and chain of custody, and would only produce erroneous affidavits. they did back out of their lawsuit and dismissed their case after wasting much of my time and XXXX funds on fruitless court appearances. now Portfolio Recovery associates LLC has filed a 1099c with the IRS on a debt they can not and wont prove they own and have sent no official communication that they have officially discharged the alleged debt or substantiated they have a right to claim a loss to the IRS and force me to pay taxes on it.
Product: Credit card

No action taken by the company. Ive called them about these serveral times
Product: Checking or savings account

I am writing to formally express my extreme dissatisfaction with the recent restriction placed on my deposit accounts, and the subsequent lack of support from Capital One. On XXXX, I discovered that I was unable to access funds in my accounts. This restriction was implemented without prior warning or explanation, leaving me with no means to manage my finances.

This lack of access had immediate and severe consequences : Missed Bill Payments : Due to the inability to access my funds, multiple bills became past due, potentially impacting my credit score and incurring late fees.

Travel Disruption : Planned travel had to be cancelled as I was unable to access the necessary funds for expenses, resulting in financial loss and significant disruption to my personal schedule.

Despite repeated attempts to contact Capital One customer service throughout the weekend of XXXX, I was unable to reach a representative or receive any assistance. This complete lack of support during a critical time is unacceptable and demonstrates a serious failure in customer service. 

I demand a thorough investigation into this matter, including : A clear explanation for the account restriction. 
Details on the internal processes that led to this failure in communication and support. 
Reimbursement for any financial losses incurred due to late fees or travel cancellation costs. 
XXXX that measures will be taken to prevent similar situations from occurring in the future. 

I expect a prompt and satisfactory resolution to this complaint. I reserve the right to escalate this matter to relevant regulatory authorities if necessary.
Product: Mortgage

On XX/XX/2017, I submitted a new purchase contract to my short sale lender and I received a phone call on XX/XX/2017 from my single point of contact ( XXXX ) that the lender would not even consider me doing a short sale. I am desperate for help and I am trying my hardest to get the property and I feel as if my lender is n't doing what the government says a lender should do by offering me an alternative to foreclosure. I am not asking for a handout, I am only asking that you assist me with getting my lender to review the cash offer that I have on the table.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Carmel Finan .has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Product: Debt collection

XXXX day. I have stated that i have moved and they say they have information it never mail updated statements to show where this debt came from. and where it originated.
Product: Credit card or prepaid card

I have a Paypal credit account with the email address XXXX -- which is how XXXX ( Synchrony Bank ) identifies my account. I had set up a payment for XXXX XXXX, of {$77.00} -- but for some reason, the bank had no record of it, so I redid the payment on XXXX XXXX -- but had already been charged a late fee of {$30.00}. I called them to ask them to waive the late fee -- the customer service rep stated he would but I would still need to pay it and it would be adjusted the next month -- but I told him I'm a senior and on a fixed income and I could only make the normal payment and he agreed that it would be adjusted later and I would get a new minimum payment in 24-48 hours and he would make a note not to charge me a late fee. But what he didn't tell me was that he took the late fee off my balance and not off my minimum payment. So in XXXX, I made a payment of {$76.00}, my regular payment. Then I see that today, XX/XX/2022 the bank shows a past due amount of {$140.00} -- in addition to the {$76.00} I paid on XX/XX/2022 -- which was on time and on the date due. They had added another late fee. I called and they agreed to waive {$41.00} late fee -- so now I owe {$110.00}, instead of {$89.00} -- I guess because they seem to be adding more late fees. Although this payment isn't due until XX/XX/XXXX, it shows past due, which it shouldn't. After the representative finally agreed to deduct the {$41.00} from the minimum payment, ( though even now, the site is still stating that I'm past due ), I asked to speak to a supervisor about the {$30.00} late fee. Because I complained that the rep in XXXX did not tell me that he had subtracted the {$30.00} from my balance rather than deducting it from my minimum payment -- possibly due to the agent not having a command of XXXX because he is in a foreign country, or because he just was lying to me, I got transferred to someone in the U.S. who was not a supervisor and who accused me of disparaging the original rep 's race -- which I wasn't. I explained I wanted the {$30.00} deducted from the minimum payment, he said that they couldn't do that and even if the rep stated the {$41.00} could be deducted from the minimum payment there was no guarantee that it would. And I asked to have a supervisor call me and he said they were busy and they'd only call me back if they thought they could do something about this. I want my {$30.00} late fee deducted from my minimum payment as promised by the first rep
Product: Checking or savings account

Capital one 360 has not deposited my work check Ive been waiting since XX/XX/year> morning and have yet to receive.
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints in reference to my federal consumer rights being violated by Equifax due to their reporting 's on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

Inaccurate Charge off/Collection & Personal Information : Company Name : XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX  - Account # : XXXX - Balance : {$27000.00} Company Name : XXXX  - Account # : XXXX XXXX Balance : {$1500.00} Company Name : XXXX  XXXX - Account # : XXXX - Balance : {$11000.00} Company Name : XXXX - Account # : XXXX - Balance : {$750.00} Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Hi, i was reviewing my XXXX CREDIT REPORT # XXXX from XXXX and showed that CREDIT KARMA WITH ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED MY CREDIT XXXX TIMES SINCE XX/XX/XXXX. the inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXAnd again under other name Credit Karma with address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXinquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not applied for credit neither access to my account with credit karma to verify my score did not authorized anyone to use my score for any type of financing. I did not have any credit card, debit card, loan or financing with credit karma. These XXXX inquiries I did not recognized it, nor authorized nor requested. They are unauthorized credit inquiries and are discriminatory, selective arbitrary and was incorrectly and unlawfull use of my credit report. I would like to request an investigation of fraud and identity theft, and STOP MAKING INQUIRIES UNDER MY NAME, UNDER MY SOCIAL SECURITY NUMBER AND UNDER MY BIRTH DATE.
Product: Debt collection

I opened a XXXX XXXX credit card with a credit limit in XX/XX/2011 with a limit of {$1500.00}. Now a collection agency by the name of midland funding llc is trying to extort {$3500.00} as of today and it is no longer a credit card account but account