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

I co-sign for XXXX XXXX on XX/XX/year>. In XXXX I travelled out of the country to attend funeral for my husband. While I was away my son lost his job and he was back up from the loan payment for two months. I hit the car while I was backing up and the bumper at the passenger side was scratched. Due to non-payment of the car for two months the car was repossessed from me by the dealership. It was taken away by GM Financial. 
XXXX XXXX XXXX XXXX TX XXXX When i return from abroad, GM financial XXXX me that I need to I should pay $ XXXX was thinking that I should pay for the damage and the late fees. We have a conversation that I cant pay the said amount it like I am paying for the full amount of the car. I need assistance towards this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to verify this debt as i don't have any accounts with you? if unverifiable please remove this account from my credit report as soon as possible
Product: Payday loan

I took a small loan regrettably from Big Picture Loans, which I am learning too late is a predatory lender. I was given a loan of {$700.00} with a {$240.00} finance charge. I have since paid that off completely with an extra {$280.00}. When I contacted them to stop payments since I had already paid it off, they informed me that I had been continually paying the {$240.00} finance charge but had n't even touched the {$700.00} loan amount, after I had already paid them {$1200.00}! I was not made aware when I signed for the loan that they expected me to pay a 831 % interest rate. I was absolutely shocked, and when I called to voice my complaint with a supervisor I was met with extreme apathy and unhelpfulness. After doing some digging I have seen others have dealt with the exact same problem and you have been able to help them. I am hoping there 's is something you can do to help me with this. In the meantime I am going to file a claim with my bank for the extra {$240.00} charge and put a stop charge on all Big picture Loans payments. 

Here is my contract that I was given AFTER I signed to take the loan. 

XXXX Please let me know if you need any further information and if I can help at all. Thank you so much for your time.
Product: Mortgage

In XXXXXXXX XXXX XXXX  I received a letter from my Mortgage holder ( Citizens ) bank. The letter stated that I have a deficit in my escrow account. The letter stated I could either pay the deficit of {$51.00} by a certain date or they would divide the amount by 12 and add it to my monthly mortgage payments. I wrote and submitted the full amount of {$51.00} immediately. on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a letter from Citizens with a check enclosed for the amount of {$1700.00}. The letter stated that they are refusing my partial payment and that I need to submit the full amount of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I called Citizens. I asked why I received a check in the amount of my latest mortgage payment and why were they saying the amount I have been paying for a year has changed and I wasn't informed. I was told that I received a letter back in XXXX informing me of a shortage in my escrow account. I told the representative that I paid the shortage, they cashed the check. They said, it doesn't matter, they were adding the shortage to my monthly payment. I then went to my bank, deposited the check Citizens had returned then I submitted the NEW amount of {$1700.00}. electronically. Citizens received the payment the next day. They sat on returning my payment for 9 days prior to mailing the check and letter to me. On Monday, XX/XX/year>, I received another letter from Citizens stating my latest payment has not been received and a late fee of {$57.00} is now assessed. This last letter is dated XX/XX/year> and run through the Citizens postage stamp machine on XX/XX/year>. Again, they sat on a letter for 13 days prior to mailing. I again called Citizens today and they denied that I owed any mortgage to date however I do owe the {$57.00} for the late fees they are attempting to assess! The XXXX who I spoke with did state that " AS A COURTESY '' he could remove the late payment fee assessed due to my negligence! I WASN'T NEGLIGENT! CITIZENS WAS!
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. I have submitted a report to Experian but they have not corrected the identity theft.
Product: Debt collection

Columbia Debt Recovery AKA Genesis has verified this debt without my consent and knowledge, and any proof. THIS DEBT ISNT VALID! They're constantly calling my phone every day since XX/XX/2023 from different numbers and XXXX numbers, text messages, and emails. This debt isn't and isn't owed. 
They're also using two different names on my credit report as well. 
XXXX XXXX XXXX XXXX COLUMBIA DEBT RECOVERY XXXX COLUMBIA DEBT RECOVERY I previously disputed this debt, and they returned it as validated? BY WHOM?!
Product: Vehicle loan or lease

My wallet was either lost or stolen and my identity was later used to open several fraudulent accounts..I did not know about these accounts until about XXXX or XXXX later.. I contacted the police and filed a report asap back in XXXX of XXXX when I was made aware of these accounts and have been fighting this since
Product: Checking or savings account

Truist closed my account for no good reasons. I am provided that it's some fraud and they are closing my account.On or about XXXX XX/XX/2023, I opened Truist account with the promotion code. Only after getting the account opening confirmation, I setup direct deposit. Now I got this letter from Trust on XXXX XX/XX/2023 where they are closing my account. What will happen to cash back bonus that I earned out there? What will happen to my direct deposit. 
Is this TRuist so lousy that first they let people open the account and later find that it was fraud. All the information - Driver 's license and social security and address is provided but still I am facing closure of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and all other hard inquiries that are not associated to any current or pre-existing accounts has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2023 and I noticed there were hard inquiries that don't have PERMISSIBLE PURPOSE to be on there. These hard inquires are enabling me from getting approvals. I already reached out to the credit bureaus about this multiple times and they continue violate my rights under 15 USC 1681B. This is damaging to my integrity and causing a great stress in my life. I also have attached the hard inquiries that don't have NO PURPOSE to be on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I called equifax to obtain a copy of my credit report, I was told because I couldnt answer the question thats on my credit report that I have to fax a copy of my ID and social security card, against my better judgment, I faxed it but I havent received a copy of my report. The purpose of contacting the credit bureau is to see what is on your account. Because the question that was asked either had nothing t I do with me or the questions are so old I dont remember. I want my credit report because I feel the data thats listed is incorrect, and I have been denied credit because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX/XXXX   Equifax : XXXX XXXX : XXXXXXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an auto loan with XXXX from 2019 to present. This is showing on my credit report and hurting my XXXX XXXX. It needs to be removed. And find out who did this.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need.

Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

Bank of America you are the biggest disappointment to all Americans. President Obama gave the banks money to bail out to help families like myself who needed remodifications. Families like me that had actual hardships. To think you call yourself Bank of America. You are not what America stands for. You are a lying, cheating, Bank!!!!! U told me to apply for Remodification I did and you denied me over 20 times and I had lawyers tell me how disgusting u thieves were.You then told me get an offer on your home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and so many more. I got an offer and then XXXX stated have it loaded into equator with the perspective sale date and fully executed contracts. I believe his boss then had him tell me due to delinquency we ca n't continue with a short sale, after you scheduled a home inspection. You are the most unprofessional lieing people. I hired XXXX lawyers and a real estate agent. I contacted the president, senators, XXXX XXXX, XXXX, news and women 's activist for your predijuce ways.You never had any intention of allowing me to short sale my home that 's why the new issue is the home is to delinquent! Is n't that why you short sale a home.Like I stated in my previous letter XXXX is a XXXX male of status just as his colleagues are.I asked that I not work with him before. I have been discriminated against by Bank of America and I will not be leaving my home. You will provide me with my short sale because somewhere in that company there is one person that has decency.I expect that you will postpone my sale for XXXX XXXX and allow me the option to conduct a short sale. I met one person in that company XXXX in short sale with actual morals. Calls like she says and is kind and XXXX also. Someone else has to have dignity .Please do n't allow me and my children to be homeless or displaced. Please allow me to short sale my home and move forward as my hardships have been my children 's also. Divorce, loss of job, loss of income and now loss of home. Have a XXXX heart!!!!!!!!!!!!!!!!! You have taken my home from me and my children!!!!! Thank you in advance give me the opportunity to move forward. You have discriminated against me enough and as you see I do n't go away. I will not go away XXXX XXXX, XXXX and XXXX XXXX have time to listen so I expect you to be the Bank of America. Help me Please please please. Let me short sale my home.What other excuse do you have. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  company has never removed the late payment that was placed on my accoount but I'm submitting this letter because of XXXX  i Fell behind on one payment.
Product: Payday loan, title loan, personal loan, or advance loan

From the day I got this account I told the employees that they can not call me at work. I have repeated that every time theyve verified my information such as during refinancing the loan. XXXX still getting calls at my workplace-this interferes with my job and could cost me my job!!
Product: Payday loan, title loan, or personal loan

I opened a Credit Builder Plus loan with money lion in 2021 for {$500.00}. It has been a nightmare. I had tried to pay off the loan to close the account ( which charges a fee ) and the app would not work. I called, and they said I couldnt close the account due to a balance and they gave me an incorrect balance, stating I missed payments. It should not take over a year to pay off a {$500.00} loan, and their loan payoff practices are extremely shady. 

In addition to the above, they have an XXXX feature. I used the feature a couple times, and then it got hacked. I attempted to contact their fraud department, and they just sent me a form to email back ( XX/XX/2021 ) .They denied my claim, and I had to close my checking account that Ive had for over a decade to prevent further money being taken from my account to repay those instacash advance payments.

Now, Im again trying to close this account. Ive already reported it to the credit bureaus. They are not letting me close it because I have an XXXX balance from the fraudulent activity ( which I am not willing to pay ). 

Ticket/support reference IDs : XXXX and XXXX for all relevant information
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Product: Student loan

Navient charged me interest in the 12 months I was on military XXXX, when it CLEARLY states on their website the following : 0 % Interest / Military No-Interest Accrual Benefit You may be eligible for the Military No-Interest Accrual ( MNIA ) benefit while you are XXXX that qualifies you for special pay under 37 U.S.C. 310 ( " XXXX XXXX XXXX '' ). During MNIA XXXX XXXX, you 're eligible for 0 % interest on your Direct Loans for up to 60 months. 

This benefit is only available for Direct Loans, disbursed on or after XX/XX/2008. For Direct Consolidation Loans, this benefit applies to the portion of the consolidation loan that repaid loans first disbursed on or after XX/XX/2008. 

They also ignored any attempt I made to put my loans in deferment due to financial income purposes when I was struggling to find a job.
Product: Mortgage

I have hit XXXX % of my original property value several months ago and have tried to have my PMI termintated several times. I was under the imppression it should be removed automatically when I reached XXXX % of my original homw value. However, Wells Fargo has stated repeatedly that I can not have my PMI terminated without an appraisal. This is true of Cancellation. However, I am referring to Termination which has different requirements. None of which are appraisal. Wells Fargo dragged there feet for 3 months after filing all my paperwork to refinance at a lower rate. And now with the PMI termination. I believe this is an unscrupulous tactic employed to exploit the consumer and should be addressed.
Product: Checking or savings account

My debit card was lost or stolen and used for the amount of XXXX. Bank of America refuses to credit me back this amount that was stolen from my account. My card was being used in a state Ive never been, from XXXX to XXXX. The claim had been denied twice, Their reasoning is that my pin was used, I have no idea how my pin was used but it is 2024 there is many ways scammers are able to infiltrate information to compromise accounts. They did no real investigation and simple went based off of the pin being used, Ive provided all the information and documents needed and still got nowhere with these people, XXXX completely sick and fed up with this company and will be closing and filing suit. They also said that I funded the fraud because I received a XXXX  payment in proximity of the time called to make them aware of the fraud these people are inconsiderate and have no grasp on real life. I was targeted for fraud and was unjustly denied my claim because they believe that it had to be me because the pin was used. 12 year relationship with this bank and this is what happens. I will close my account and file suit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX RUINING MY LIFE. THEY ALLOWED SOMEONE TO OPEN UP ACCOUNTS WITHOUT MY CONSENT. THIS IS NOT FAIR. I WOULDVE NEVER OPENED A XXXX XXXX ACCOUNT. THEY NEED TO DO BETTER DUE DILIGENCE. THEY CANT ALLOW PEOPLE TO OPEN FRAUDULENT ACCOUNTS IN OTHER PEOPLES NAME TO RUIN THEIR LIVES. I HAVE NEVER HEARD OF KICKOFF. I DONTKNOW WHAT THEY EVEN SELL. IVE NEVER EVEN HEARD OF KICKOFF. PLEASE INVESTIAGTE AND REMOVE THESE FRAUUDLENT ACCOUNTS.
Product: Debt collection

I have never been under contract with this company and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded.
Product: Mortgage

Community Loan LLC took over my mortgage from a transfer on XX/XX/XXXX from XXXX XXXX XXXX. My mortgage was in active forbearance and was current prior to this, no late payments or delinquent status. Upon the transfer, Community Loan marked my credit report for this account as currently 120-149 days past due. They then transferred my mortgage back to XXXX XXXX XX/XX/XXXX. XXXX XXXX then also began reporting my account as 120-149 days late but upon my dispute, XXXX XXXX corrected the error within hours. Community Loan confirmed the information was correct when I disputed with them. They refuse to remove the inaccurate mark of my account being past due. This is costing my dearly and causing me to be denied for lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equfax and XXXX  about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.