23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX  and its Insurance Loss Draft Department for their continued and unjustified delay in releasing my insurance claim disbursement funds, which are critical for completing necessary repairs to my home following a covered loss. 

Despite the fact that the inspection has already been completed and all necessary documentation has been provided, XXXX XXXX  has refused to release the remaining insurance proceeds. I have made repeated attempts to follow up, provide any requested documentation, and comply with their internal procedures. However, the company continues to delay payment, offering vague explanations and excuses that shift over time without providing any clear timeline or resolution. 

This withholding of funds is preventing the full repair of my property and is placing my home, finances, and well-being at risk. As the mortgage servicer, XXXX XXXX  has a duty to act in good faith and ensure that disbursed insurance funds are used promptly and properly for the restoration of insured property. Instead, I have been subjected to repeated delays, poor communication, and what appears to be a willful obstruction of the claims process. 

I am requesting that this matter be investigated immediately and that XXXX XXXX  be compelled to release the remaining insurance funds without further delay so that I may proceed with completing the repairs on my home. 

Thank you for your attention to this matter.
Product: Debt collection

I had received a notice from a debt agency ( Transworld Systems Inc. ) in XXXX of XXXX that I supposedly owe a certain amount of money from the creditor of XXXX XXXX XXXX. My family and I were moving at the time so I was not made aware of this notice until XXXX oXXXX XXXX. In which I had sent a validation letter on XX/XX/2021 to have this company prove that I am the person they claim in which this debt belongs to, in which they proceeded to send me a letter with a bill on XX/XX/2021, but no verification that I am in fact the person that owes this debt of {$430.00} ( in which " the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor ... '' ). I had sent them another letter, reiterating that they have not verified that this is my debt on XX/XX/2021 that I was expecting -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature Once again they had sent me a letter of just the bill of the breakdown of the payments that I supposedly owe, but there was no contract bearing with my personal signature, that I had originally asked in bother letters.
Product: Debt collection

This third party collection agency RESURGENT CAPITAL SERVICES IS reporting illegal information forwhich I've don't have a contract with this account is charged off and now sold to collections but I've never received from original creditors a XXXX form of cancelation of debt, forwhich XXXX XXXX has written this account off and sold it to a third party,
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX 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 card

I was scammed by XXXX ; they claimed to have a trial of their eye serum ( to eliminate under-eye bags ) ; the trial was for {$4.00}. I agreed to that charge, and that charge only, and received the product, XXXX. The product did not work at all ; I never ordered it again and I never " subscribed '' for it. Weeks later I see {$270.00} on my credit card statement. I never, ever agreed to these charges ; the product is worthless. I told my credit card company ( Chase Card Services ) to take those charges off, which they did -- initially. I responded to them for each information request. I researched XXXX and found that they have a grade of F from the XXXX. There are also numerous complaints on the Web about this company. There is no way I 'm ever going to pay for these bogus charges.
Product: Student loan

I had filed with a debt forgiveness program call Student Debt Center. I have been in contact with their rep named XXXX XXXX, she informed me there was a {$600.00} one time fee for the services provided. I then payed this amount I was then informed that there would no longer be any payments that would be made due to the fact that I had payed the {$600.00}. Today I XXXX/XXXX/16 I saw a payment to XXXX who has my student loan of {$120.00}. I called and talked to them to find out why my payment was made. I was informed it was because I had auto debit and they had only received the paperwork only yesterday. I then spoke with the rep and told her the situation. She then informed me that the debt forgiveness program was supposed to be a free service and that I needed to file a complaint as soon as possible. She then refered me to this federal branch I was then instructed to file my complain online and contact legal aid which I have done. I would like to have my {$600.00} returned seeing as that there is only XXXX income for my house hold and I have a young baby.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Items and Inquiries from Credit Report Dear Team, I hope this message finds you well. I am writing to request the removal of three negative items from my credit report, listed as follows : XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX. XXXX , opened on XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX, opened on XX/XX/XXXXXXXX Additionally, I would like to request the removal of all inquiries associated with my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX as these have negatively impacted my credit score and my other financial decision.These negative items are in my account as i notice since XXXX. I appreciate your assistance in this matter and look forward to your prompt response. Thank you for your attention to this request. Best regards
Product: Vehicle loan or lease

I purchased my car from XXXX XX/XX/XXXX. SantanderUSA purchased the loan and my payments are {$290.00}. In XXXX our home was sold in a foreclosure scam, after I attempted a loan modification due to my husband suffering a XXXX 2 weeks into his recovery from XXXXXXXX XXXX XXXXXXXX. My husband became XXXX  XXXX and XXXX XXXX. When we became XXXX I spoke to a representative in XX/XX/XXXX, and she assured me, even though we are a month behind, they would not repossess the car. I have been calling and messaging them about changing my payment date from the XXXX, since I am a XXXX on Social Security and get paid on the XXXX. They said I already requested a change of my payment date on XX/XX/XXXX, which is the date I called the representative to inform her we were XXXX, so they said you can only change the payment date once during the loan. Today, I called again ( XX/XX/XXXX ) after I got a letter from SantanderUSA stating Notice of right to cure default and requirement of strict compliance. This is the only letter I have ever received from SantanderUSA, since I purchased the car. They demanded {$420.00} by XX/XX/XXXX and I tried to explain, that I do not get paid till the XXXX, plus I can barely scrape up the {$290.00}. She told me I needed to come up with {$74.00} today, but I tried to explain, that I only have {$20.00} in my account till the XXXX. She then told me they would repossess the car if they were not paid by the XXXX of XXXX. I called another number today, that I got off a Consumer Website, but after I explained my situation, he hung up on me. I have never had any issues with Santander USA until the XXXX XXXX bought them out, in fact they have always been kind and helpful. We do not even have Medical Insurance, because we can not afford the Medicare premiums. We are at poverty level, but do not qualify for extra help. I have even filled out a loan deferment with the company today. They sent me a document to fill out, but they will only defer the payment till XX/XX/XXXX. I have also, tried to refinance the car, but they say they no longer are doing refinancing. The representative, XXXX asked if I could borrow money from anyone to pay the amount. I replied, I have no one to borrow money from at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute three unauthorized hard inquiries that appear on my XXXX credit report. I did not authorize these inquiries, and I request that they be removed immediately to ensure the accuracy of my credit file. The inquiries in question are as follows : Navy Federal Credit Union XX/XX/XXXX Navy Federal Credit Union XX/XX/XXXX Capital XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be included on my credit report with my explicit permission. Since I did not authorize these inquiries, I am requesting that XXXX investigate and remove them promptly. 

I have attached a copy of my identification and a copy of my credit report highlighting the disputed inquiries for reference. Please provide written confirmation once these inquiries have been removed or if further information is required. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to address accounts that have no monthly historical data yet being reported negatively by your agency. You have also failed to notate this accounts as in dispute when I have disputed before. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is required to promptly remove these accounts from my credit report immediately.
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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 and corrected : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the 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 XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 if 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

On XX/XX/XXXX I contacted TransUnion and spoke with US representative, XXXX, to resolve unauthorized inquiries showing on my credit report. I 've recently checked my credit report and noticed many inquiries that were removed during a breach in XX/XX/XXXX and XX/XX/XXXX reinserted. I DID NOT receive a written 5 day notice informing me about the breach or TransUnion reinserting the inquiries. This is a violation of the FCRA. TransUnion can not continue to violate my rights.
Product: Credit card

I received a fake email saying I opened a credit card from chase bank. I didnt realize it was fake and called the number on the email. I gave them all of my information foolishly. I immediately felt something was wrong so I called chase directly from their website. I explained everything and they said they would cancel the credit card and report it to the credit bureau involved as fraud. I asked chase for information on who did it or what information they had. They wouldnt tell me any details. I have the fake email and phone number of the people posing as the bank. I have the XXXX credit protection and lock but somehow they didnt detect this and gave my report to chase even though my report is locked. So buyer beware, your credit is never truly safe.
Product: Credit card or prepaid card

I have been trying to work on the fraud that occurred on my account in 2018. I have a credit card that has {$0.00} fraud liability and the company keeps insisting that I was responsible for the charges. 

I have been in contact with XXXX XXXX Research & Remediation Analyst, Executive Office for Wells Fargo. After many phone calls with XXXX, she was finally able to obtain some of the receipts from the many that were disputed. Of these receipts, there are more than 4 signatures that are radically different from how I sign all of my purchases. 

XXXX sent this back to the Fraud department for reconsideration and they have now ( twice ) just closed the case without reviewing the evidence and state that I must provide new evidence. 

I have given them the copies of the receipts showing that the signatures are radically different, including the fact that during two of the transactions that times were provided for, I was at work approximately 35 miles away from the location. 

The company has since and repeatedly put negative credit information on my credit report and has effectively ruined my credit because of this, causing my purchases of cars to increase from 2.54 % APR to over 12 % for the past two vehicles that I have purchased in the past year because they are not willing to honor their {$0.00} fraud liability contract that they have with me.
Product: Credit reporting

My student loans are suppose to show closed on all credit reporting companies. I have contacted XXXX XXXX and Equifax who also controls XXXX XXXX etc. about this several times now and the information is not changed. I have in front of me written proof from XXXX, the USA Dept. of Education as well as XXXX XXXX, a collection agency that works with the Dept of Education that my loans are suppose to show closed as I am under the XXXX umbrella. I am not able to upload the supporting documents but can easily mail copies from the government agencies above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX  : {$2200.00}
Product: Debt collection

My first contact with Amerifinancial Solutions was in XXXX of XXXX, when I saw this account reporting to my credit reports. The reported the wrong address to contact them and my dispute letter was returned back to me. I had informed XXXX, XXXX, and XXXX with copies of the envelope that was returned. XXXX and XXXX promptly removed the item from my credit report. XXXX refused to remove the item and the update of the new address wasn't updated until XXXX of XXXX as you can see with the attached credit report. Since then I have done my due diligence to dispute this item directly with Amerifinancial Solutions, and it has gotten to the point that they refuse to respond to my letter after it was discovered that the account they are attempting to collect on may have Violated HIPPA law.I have attached my credit report from XXXX of XXXX showing that Amerifinancial Solutions was reporting the wrong address to contact them as well as XXXX of XXXX credit report showing the correct address to contact. Have also taken the liberty of attaching the only response I have received from Amerifinancial Solutions before they stopped responding to my correspondences. After having to deal with this company reporting incorrect information on how to contact them, I finally am able to get in contact with them and they have not responded. Please have this item removed from my XXXX report.
Product: Mortgage

My escrow charges are excessive. The yearly tax bill is only XXXX on my house. The bank in error is charging me XXXX for the escrow portion of my payment. I am XXXX and on a fixed income. I have sent qualified written requests to the bank to resolve this matter and nothing has been resolved.
Product: Credit reporting

I have XXXX different debts on my credit report that come from credit cards that are not my accounts. These accounts are owned by my employer. I have extension cards on these accounts issued by my employer for my work with them but these accounts are not my responsibility.
Product: Credit card or prepaid card

On XX/XX/XXXX, we requested a refund from Capital One for an extra payment ( {$1200.00} ) we submitted two days prior on XX/XX/XXXX. On XX/XX/XXXX, Capital One added a payment adjustment to our credit card transaction history, it shows up as PAYMENT ADJUSTMENT in the transaction history. But, this refund was never sent, in fact it was cancelled. However, The PAYMENT ADJUSTMENT still shows on our account on XX/XX/XXXX, so our account balance is {$1200.00} higher than it should be. In the past month and a half we have spent nearly 17 hours on the phone with Capital One trying to work through this and ultimately get our money back. We have been told multiple times by different reps that Capital One does owe us money. We even did a three way call with a Capital One rep and a XXXX XXXX  rep ( the bank that we make payments from ), and the XXXX XXXX  rep confirmed that we were missing a refund. We have opened price investigations, asked Capital One reps to call us back with updates, asked them to email us, but we never get anything. All price investigations ( three total ) have been closed without any action by Capital One. The Capital One reps have never once called us back, and have never once emailed us back. We have to constantly call back in to get an update.
Product: Prepaid card

Bank of America recently sent me a letter end of 2023 stating my claim was approved in my favor but going to check for the funds they were not there. 

We came to the conclusion that My funds were stolen, my id ( was left sitting at my doorstep a week later ). Birth certificate and debit card, along with other gov items were stolen. Like my social security card. And never returned I sent Bank of America police reports and identity theft paper works to let them know this really happend. 

I think because its such a big amount they dont want to pay out. Which seems illegal. 

Ive given proof. 

This company ( BofA is affecting my life. 

This was my unemployment money to help me get on my feet and its being played with. 

Please help me fix this, I will be contacting other legal regulators as well
Product: Consumer Loan

My complaint is against Santander who I have my auto loan with.. Reason I am filing a complaint is that I have been paying my car note for almost 3 years and my balance on my car has not gone down, and it 's all going to interest, because Santander has a very high interest rate that they charge their customers. This interest rate is ridiculous!!! And on top of that they do not offer refinancing to get a lower payment, and it 's hard to find a Bank that will want to refinance because my balance is still so high with Santander. I feel they should help consumers who want to keep their cars buy offering refinancing or extending their programs like the deferment or the Trip programs to consumers who really need help and time to catch up ; but seem to offer it only a XXXX times through out the contract of the loan. I want Santander to allow me to catch up on my loan by either offering refinancing and getting me a lower payment or extending to me the program of offering a deferment or the trip program. If they refuse to offer any of these then my only option would be left to Voluntarily surrender my car to them..I think what Santander is doing to customers is deceptive ; with their high interest rates and not allowing any options of refinancing so customers will always be paying them without paying off the car.