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

So when we purchased the car back in XXXX it already had issues like the car kept overheating. We took it to them because we had just got the car they supposedly fixed it but it has continued to overheat. But Last year me and my co buyer split ways and I was left with the payments I let them know that I was now responsible for the car and to see about changing the payment dates to work with when I get my XXXX check. I cant work due to XXXX XXXX  XXXX they said it was nothing they can do because I had already signed a contract. So the car then got repossessed. I eventually got it back I paid almost XXXX bucks to get it back. And ever since then I have still been paying it but I am a few days late because of having to work odd jobs. I only get paid once a month and they call and be harassing me saying they are going to come get the car I have paid every payment it might be a few days late because like I said I only get paid once a month but it gets paid. Now the car is having Cylinder 3 misfire and engine issues. I believe deeply in my heart they sold me a lemon even when we first got it they tried to charge us for things that shouldve been done before yall sold someone a car. I have children and this is my only means of transportation to get them back and forth to daycare so I can deal with my health and try to make extra money on the side. My payment is due every two weeks and so say my payment is Friday by Sunday they are threatening and harassing to come repossess my car. I have been having issues with this car lot since we got the car and I know others as well.
Product: Mortgage

After I filed my second complaint, XXXX reported my loan as delinquent. I was in forbearance, and I just received my loan modification documents and sent them off within a week. Now my credit is messed up. I'm getting the runaround from their call center.
Product: Credit reporting or other personal consumer reports

PLEASE SEE LETTER ATTACHED. I discovered multiple online accounts that do not belong to me, and I believe they may be a result of identity theft or unauthorized access. These accounts appear to contain personal or financial information that I did not create or authorize. Im concerned that these accounts could be used for fraudulent activities or could have been created with my personal information without my consent. I would like to report this to the FTC to investigate potential misuse of my identity and prevent further damage.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$620000.00} XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and ask to please remove the fraudulent information immediately from my file. I have sent all documentation to your offices and they have not removed them. You are violating my FCRA rights. 

I want the following deleted. 
XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Product: Mortgage

XX/XX/XXXX To CFPB, My name is XXXX XXXX and I have a mortgage account with Chase, though Chase was not my initial mortgage holder. My original mortgage has been sold off twice, before ending up with Chase. On XX/XX/XXXX I notified Chase Mortgage Escrow Department ( by letter ) that on XXXX XXXX, XXXX I switched homeowner 's insurance coverage from XXXX XXXX to XXXX at considerable savings. My previous annual homeowners insurance with XXXX XXXX was {$2200.00} ( was cancelled XXXX XXXX, XXXX ) and my new homeowners insurance coverage started same day with XXXX insurance at {$1500.00} annually. That's a {$690.00} difference/reduction in annual homeowner 's cost, thus a {$690.00} reduction in escrow charges over a year 's time. 

In response to my XX/XX/XXXX, letter to Chase, I received a letter back from Chase ( on XX/XX/XXXX ) saying Chase mortgage company would do an escrow analysis of my account effective with my XX/XX/XXXX. It is now XX/XX/XXXX and I have the following COMPLAINTS against Chase. 

In my XX/XX/XXXX Chase mortgage statement the bank only dropped my overall monthly mortgage payment {$14.00}. From {$3000.00} in XXXX to {$3000.00} which is a " gross '' miscalculation. Due to the fact that my overall mortgage payment should be dropped to {$57.00} monthly or {$690.00} annually due to lower escrow charges/homeowners insurance reduction. 

A phone call to Chase escrow department on XX/XX/XXXX did nothing to correct their mortgage billing error and furthermore leads me to believe Chase is " intentionally '' overcharging unnecessary principal, interest and escrow fees to inflate their total monthly charge. Since day one of my mortgage I've paid all monthly bills on time. Never missed a payment. Since day one of my mortgage has had a locked in " mortgage rate ''. And since Chase has taken over my mortgage my " real property taxes have dropped significantly from XXXX to XXXX. Furthermore my " real property taxes '' will not be reviewed again until XXXX. 

Chase has no right to reduce my monthly mortgage payment by only {$14.00} a month or {$170.00} annually when they were notified by XXXX that my homeowners insurance dropped {$57.00} month or {$690.00} annually in XXXX of this year. Furthermore Chase has not offered me a " refund check '' for over billing me the last six months, once they were notified by mail of my XXXX homeowner 's reduction cost. 

So going forward I request CFPB bring this " escrow over billing charge '' to Chase attention and do everything in your power to correct this matter. Big banks do not have the right to over charge mortgage holders, especially those who make timely payments and give proper notice when there is close to {$700.00} reduction in homeowners 's costs from year to year. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. 

Security credit Services Original Creditor : XXXX XXXX Amount ; {$1800.00} Date OpenedXX/XX/2019 XX/XX/XXXX/XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Complaint involving XXXX XXXX XXXX  and Transunion XX/XX/2020 : Filed a dispute with Transunion and XXXX  regarding my XXXX  XXXX Secured Credit Card balance. It was not reporting a {$0.00} balance XX/XX/2020 : Was notified via updates to XXXX XXXX XXXX that my balance had been updated and my score increased by 43 points XX/XX/2020 : Was notified by XXXX XXXX XXXX of a decrease of 24 point, because my XXXX XXXX Credit Card account was totally removed from my Transunion Report XX/XX/2020 : I reviewed my XXXX   Credit Monitoring, and I noticed that my score fell by 42 points and was only reporting one ( 1 ) credit card through XXXX XXXX XXXX. My XXXX XXXX account had been removed from my XXXX  Credit Report and upon further investigation, I found that it was also removed on my XXXX  Credit Report Summary : Through multiple attempts in the last two and half weeks, Ive been bounced around by both the lender ( XXXX XXXX ) and the Transunion and XXXX  reporting bureaus. I have not been able to make contact with XXXX, due to the COVID-19 limited call center hours. 

XXXX XXXX has informed me that there is still an investigation into my account from my previous dispute even though it is noted on previous Credit Reports that the dispute was resolved. They cant give me an estimated time of when the investigation will be completed at this time, they have stopped reporting any payment history or credit limit on the account form both myself and my husband ( authorized user ). This is hurting my husband and my score and is preventing us from the much needed approval from our mortgage lender. 

We are attempting to gain a pre-approval for a house that is to be built with a completion of XX/XX/2020. 

I have recently received a letter from XXXX XXXX, both via email and by physical mail today ( XX/XX/2020 ) stating that they have reported my account information to all three bureaus even though multiple customer service staff have told me that they dont have record of said letter in their files. 

Any help will be much appreciated! 

XXXX XXXX XXXX XXXX **Prior to XX/XX/2020, my XXXX XXXX Credit Card was noted as having exceptional payment history on my reports. I also recently received an increase from my {$200.00} limit to {$500.00} within in the last three weeks. **
Product: Debt collection

Approximately around XXXX or XXXX of XXXX I noticed a debt collection from Credit Control Corp for XXXX XXXX XXXX XXXX in the amount of {$660.00} dated XX/XX/XXXX and {$220.00} dated XX/XX/XXXX. I disputed these items with all three credit bureaus on XX/XX/XXXX and the dispute was returned updated. 

This is a medical debt that I am not aware of from XXXX XXXX XXXX  XXXX. I am allowed under the HIPPA law to protect my privacy and medical records from third parties. I did not give XXXX XXXX XXXX  XXXX permission to release my medical information to a third party. However, the requested copies of my wet signature for the debt and release of my medical information was not received for the update of this account. 

On XX/XX/XXXX I sent a certified letter to the collection agency. The collection agency received the letter on XX/XX/XXXX and I have yet to receive a reply from them. All documents will be attached. 

Thank you advance for your prompt assistance and attention in this matter.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. And according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXETER FINANCE LLCXXXX XX/XX/XXXX THANK YOU
Product: Credit reporting

There is an account from the Veterans Administration on my credit report from Experian that shows I have an oustanding balance that either went to Collection or charged off. However the account was paid in full. I have submitted a dispute through XXXX and Experian responded asking for documentation from the Veterans Administration that verified the account was paid in full. I called the toll free number various times and have consistently been unsuccessfull obtaining such document. I feel that responsibility lies with Experian to obtain current information from the VA regarding the account. I feel they are acting negligently and there is a legal obligation to keep this account accurate. This has been paid XX/XX/2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX is charging for time usage on cellular numbers not used. I have disputed this several times, yet they do not send me documentation to back this debt because there isnt. How can I owe money when I didnt use their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car-loan w ith   XXXX   XXXX   XXXX    that was in delinquent status when it was paid off in   XXXX    2014 by m y insurance carrier,   XXXX   XXXX  . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,
Product: Credit reporting, credit repair services, or other personal consumer reports

I getting the run around about correcting a ongoing balance. Capital one blames it XXXX and XXXX  blames it on capital one. It is holding me up from buying my home. Loan officer wont let me go further
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$98000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Per the CFR as a federally protected consumer, I am now opting out of any and all authorization. I, the consumer may have given you written or unwritten verbal and nonverbal per 15 USC 1602.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

After being a victim of identity theft out of nowhere XXXX XXXX was calling me instead of cross-country mortgage although they saw said they sold my loan within two cross-country mortgage XXXX XXXX called me regarding making a payment halfway through the phone call I disconnected later months later to discover that on one of my credit reports it shows that XXXX XXXX Was my mortgage lender and my house was paid off or sold to them. 

It looks as though the cross-country mortgage did not notice my paid XXXX XXXX  bankruptcy from 20 years ago and they brought it back and foreclosed on my house illegally or or attempting to force me in To permanent modification in the amount of a XXXX  XXXX bankruptcy that is settled and paid saying I owe The The amount of of my XXXX  XXXX bankruptcy that has already been paid off as a second lien They have dispersed hazard insurance funds not applied mortgage payments on time so they were shown as returnedc but never refunded to my bank then those payments were sent twice but credited once, never canceled PMI insurance payments after 20 % of houses equity was paid. My house was inherited I own 75 % of it I put into an escrow account 25 % to buy my aunt out house was appraised at XXXX XXXX I took an only loan to buy my out fix my credit and refinanced with cross-country mortgage it wasnt until After I reported identity theft issues and asked who XXXX XXXX was did I start to have problems then suddenly cross-country was my mortgage broker again and they are trying to push me in to foreclosure when it was mishandling on their part with this other company that caused any debt or a lien on my home. I would like to file a lawsuit or get advice on how to do that if someone from CFPB can contact me please it would be greatly appreciated
Product: Debt collection

I received a letter from FBCS Consumer XXXX Solutions that I owe before mentioned company {$610.00}. On XX/XX/2022 I have sent certified mail to FBCS Consumer XXXX Solutions to validate debt to be provided with competent evidence that I have any legal obligation to pay and requested following documents to be mailed to me : -agreement that grants collection agency authority to collect alleged debt. 
-agreement that bears signature of alleged debtor where I have agreed to pay creditor -any insurance claims made by any creditor -any judgements obtained by any creditor -name on file of alleged debtor -name and address of alleged creditor -alleged account number -amount of alleged debt -address on file for alleged debtor -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. 

As of today XX/XX/2022 I have not received any requested documentation from FBCS Consumer XXXX Solutions. Above mentioned collection company failed to validate debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. Since they did not, theyre in violation of the act.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. 
US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$1300.00} US DEPT ED XXXX Balance Owed : {$280.00}
Product: Debt collection

I owed a credit card debt to American Express for about {$6000.00}. After suing me in XXXX, I hired a lawyer to help me dismiss the case and agree to a settlement. We came to an agreement in XXXX of XXXX. As part of this agreement, American Express should have reported to the credit bureaus that this case was closed and that we had reached a settlement, as I'm rebuilding my credit. I have been paying as agreed and haven't missed a payment. My lawyer has reached out to American Express and received no response. They suggested that I file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE Report and this not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : US DEP ED Account Name : Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a formal complaint regarding a late payment that has been incorrectly reported on my account. As this late payment inaccurately reflects my payment history, it is negatively impacting my credit score and, subsequently, hindering my ability to secure necessary financing, such as purchasing a home. 

I have been a loyal customer of Macy 's for several years, and until now, I have always maintained a timely payment record with your company. However, last year late payment notation on my account is entirely inaccurate and does not reflect what transpired. It is crucial that this discrepancy is rectified promptly to avoid any further repercussions and inconvenience.

I understand that mistakes can occur, and I believe that this situation is an unfortunate error. I trust that Macy 's values its customers and aims for utmost customer satisfaction. Therefore, I respectfully ask for your assistance in removing the erroneous late payment from my account and ensuring that my credit report accurately reflects my payment history with Macy 's. 

I would greatly appreciate a timely response to this complaint and a confirmation or update on the resolution process. Please feel free to contact me at the provided phone number or email address should you require any further information or clarification. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution. 

Sincerely,