23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed a complaint with CFPB on XX/XX/XXXX after learning ( via the XXXX number ) that Guild Mortgage had transferred my mortgage to a new company, but had not informed me by mail nor had they transferred the additional principal payment Guild accepted from me and credited to my mortgage balance on XX/XX/XXXX. 

On XX/XX/XXXX, Guild responded, saying : " Guild has determined that no error has occurred. You were sent a loan transfer notification letter dated XX/XX/XXXX indicating that your loan would be transferred on XX/XX/XXXX. Please see a copy of the referenced letter enclosed. Depending on how long it takes for XXXX system to accurately reflect the transfer, your XXXX balance should be updated shortly after the XX/XX/XXXX effective transfer date. '' A few problems with this response : XXXX ) I never received the loan transfer notification letter until Guild emailed it to me on XX/XX/XXXX -- on XX/XX/XXXX I was told they couldn't tell me what day my loan would transfer. 
XXXX ) I was initially told by Guild representatives at the XXXX number that the extra principal payment would be credited to the new servicer on XX/XX/XXXX. 
XXXX ) When I called back on XX/XX/XXXX or XX/XX/XXXX, I was told that the additional principal payment would be transferred by the end of XXXX, definitely by XXXX. 
XXXX XXXX Guild has not answered my question about whether I would be credited for the interest that had accrued on the additional principal amount but should have been reduced between the XX/XX/XXXX acceptance of my additional principal payment and whatever date they finally get around to crediting the payment to my new servicer. 
XXXX ) I have called Guild repeatedly since XXXX and because my loan is no longer active with them, I can not get through the automated system ( it places me on hold and then disconnects my call repeatedly ). 

Today is XX/XX/XXXX and my XX/XX/XXXX additional principal payment and the interest it should have reduced still have not been credited to my new servicer.
Product: Debt collection

I have previously reached out to this company to obtain a debt validation letter and never received one.
Product: Debt collection

XXXX ** 2021 I purchased a new car through Kia finance, for {$54000.00}. All consumer credit transactions are to be in accordance to 15 USC 1605 Determination of a finance charge ( a ) ( b ) ( 1 ). The documentary evidence shows at least 3 violations that would automatically void my consumer credit transaction pursuant 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) Civil Liability which clearly states ANY creditor who fails to comply with any requirements under this chapter ; in the case of an individual action twice the amount of ANY finance charge Violation # 1. Kia took a down payment of {$2000.00}, the finance charge dont include charges of a type payable in a comparable cash transaction. No cash is needed in a consumer credit transaction.

Violation # 2 Except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determine as the sum of all charges Documentary evidence will show monthly payments and again a down payment. The finance charge is the SUM of all charges and there is to be no cash in a consumer credit transaction.

Violation # 3 ( b ) ( 1 ) ) Charges or premiums for credit life, accident, or health insurance in connection with any consumer credit transaction SHALL be included in the finance charge ; the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying or obtaining the extension of credit I was told I had to have my own insurance up on credit approval to complete the consumer transaction, And i was never shown a disclosure regarding insurance in accordance to finance charge.

Violation # 4 Because my car is being used a security interest Kia Finance was obligated to notify me of my right to rescission pursuant 15 USC 1635 Right to rescission as to a certain transaction.. the documentary evidence will show I wasnt notified of my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reporters XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Mortgage Brokers XX/XX/XXXX Experian US SM BUS ADMIN ODA XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Installment Loans XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

The collection agency - XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) falsely and repeatedly submit collection record to the credit reporting agency which has severely damaged my credit score - score dropped by XXXX in XXXX day. The dispute is regarding a medical bill with original amount of {$260.00} occurred in XXXX. According to the insurance company I had in XXXX, the amount of {$260.00} is covered by the insurance and I 'm not responsible for this amount. 

I had previously opened dispute cases with all 3 credit reporting agencies and the cases have closed and the collection records were removed. However, XXXX XXXX XXXX repeatedly report new collection record regarding this amount to agencies on almost monthly basis and has greatly damaging my XXXXredit score. 

Therefore, I 'm filing this complaint with CFPB and hoping to resolve this false negative record against me once for all.
Product: Debt collection

I requested debt verification from the office and only received a copy of judgement from the court with a different law office. They are stating different amounts of the so called debt and stated they do not send letters to verify debt. They stated that all the have to provide me is the judgement, no validation or any payment history. I was told I have to go to court for any of this information
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Alabama XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX Avant XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Trying to link my card to credit karma and its not letting me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not receive any response from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXXXXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.
Product: Payday loan, title loan, or personal loan

This debt is now being pursued by a law firm and they have filed a case against me in court. They refuse to settle for less than the exorbitant amount owed due to the 275.99 % interest rate charged. 

I had made several attempts to settle this debt, but did not understand I had to reply to the lawsuit to the court. I am concerned they will garnish my wages, and I refuse to pay {$7500.00} is finance fees for a {$2500.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX and XXXX serious breach of my privacy rights XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX5 U.S.C 1681. 

XXXX XXXX  XXXX XXXX $ XXXX XXXXXXXX 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
Product: Vehicle loan or lease

Toyota was nice too give me deffered payment back in XXXX too XXXX I recently made 2 payment on my car loan I asked for lower interest and  deffered payment was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 


XXXX XXXX XXXX  : # XXXX {$180.00} XXXX XXXX XXXX  : # XXXX {$65.00} XXXX XXXX XXXX  : # XXXX {$1100.00} XXXX XXXX XXXX  : # XXXX {$730.00} XXXX XXXX XXXX : # XXXX {$290.00} XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX # XXXX {$110.00} 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: Consumer Loan

I had a five year term car note with Citizens Bank. I paid off the loan early, making my final lump sum payment on XXXX XXXX, 2015. It has now been almost 5 months and Citizens Bank still has not issued me the title to that car. Therefore, I have not been able to register the car or sell it, as I do not have the title. Citizens Bank has been giving me the run around and various excuses as to why they have n't sent me the title.
Product: Credit card

Every last one of my synchrony cards has been close for no reason at all. And all of my community credit cards has been closed. I go to pay my bill on line on the date its due and someone calls in and canceled the payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX XXXX ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( Equifax, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Checking or savings account

I have sent three certified mail in regards to two accounts that they are reporting on my file XXXX XXXX as well as XXXX Bank that are not mine and were more than likely opened fraudulently. I asked that they provide me with proof of me opening these accounts IE a copy of my ID and SSN card that is required when opening an account and they have yet to proved me with this information only sending copies of the account that was opened.
Product: Checking or savings account

XX/XX/XXXX my wallet was stolen in XXXX, MN, and shortly after it was stolen some of my credit/debit cards were used to purchase goods from XXXX XXXX and XXXX XXXX XXXX XXXX As soon as I noticed my stolen wallet I locked/canceled all of my cards and called XXXX PD to file a police report. 
( Case # XXXX ) I was working with XXXX Police Officer XXXX XXXX XXXX while filing the report. 

I called Square, one of my card providers, to report 4 different unauthorized charges on my Square Debit card. The representative informed me that I would have to wait for the charges to clear before a dispute could be started. 
Once the charges cleared, I reported them as fraudulent and Square opened a dispute for the 4 separate charges. Square investigated all 4 charges separately, and seemingly did so without noticing how all 4 separate charges were made within about 15 minutes. 
A day later, Square emailed me to notify me that the disputes had been lost and they werent going to reimburse the stolen money. 
I tried, multiple times, calling Squares customer service only to be transferred again and again without any of them being able to address the mistake, escalate the complaint, or give me any information regarding why the disputes were lost or how to challenge the decisions. 

Squares dispute investigation did not contact me, or look at the obvious break of pattern in my card spending, or notice how suspicious the charges were ( at XXXX XXXX : XX/XX/XXXX {$510.00}, XX/XX/XXXX {$540.00}, minutes apart ; and at XXXX XXXX XXXX : XX/XX/XXXX {$370.00}, XX/XX/XXXX {$370.00}, also just minutes apart )
Product: Credit reporting or other personal consumer reports

I'm reaching out today to report that I've been a victim of identity theft. Please consider this letter as a formal dispute concerning the following accounts. I've already reached out directly to all the involved companies and followed the prescribed steps to address this issue. I've also filed an identity theft report with the FTC and have disputed the information with each company. I kindly request your assistance in resolving this matter. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account listed in 2016 was paid for and closed, the agreement would be the accord reflect as paid in full and closed. It currently continues to show as in " collections '' on my consumer file which is false and inaccurate and is grounds for Federal Legal action immediately. 
XXXX XXXX  was contact more than a month ago regarding this showing on my credit as in another status, " charged off. '' This too was false and is still grounds for Federal legal action. 
XXXXXXXX XXXX states they would contact me within 30 days and ha e failed to do so. They have my phone number and ha e never called, left a message, no email, nothing.
Product: Credit reporting or other personal consumer reports

Dispute of Late Payment Under 15 USC 1666b : ** I dispute the accuracy of a late payment reported on this account for XX/XX/year>. I believe this entry is incorrect and request a formal investigation into this matter. As per 15 USC 1666b, I request that if the investigation confirms the inaccuracy, the payment status be corrected to " current '' on my credit report to reflect the accurate status of the account.

**Concerns Regarding Personal Information Under 15 USC 6802 ( b ) : ** Under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ), I express my concerns regarding the handling and sharing of my nonpublic personal information related to this account. I request an investigation into how my personal information has been processed, shared, or disclosed by XXXX XXXX and ensure that my privacy rights are fully respected and upheld.
Product: Debt collection

I have sent multiple letters to this 3rd party collection agency and in reference to an alleged debt and no response.
Product: Checking or savings account

Hi. Bank of America closed my business account XXXX XXXX named XXXX XXXX XXXX XXXX. on XX/XX/2020 for no reason. I had {$65000.00} and two weeks later I received a check with {$1200.00}. Everytime I call them to ask for the rest of my money, they tell me that my money is in a hold harmless account and that they wont give the money to me. I have all the invoices from the companies that I buy our merchandise from and all the invoices from the export company. They also told me that I have to tell my customersto make a formall recall to get their money back but my costumers already have the product that they bought from me. I didn't scam anyone. It doesnt make sense. I still got in touch with some of my costumers to do that and they reached their bank to make the complaint but they still haven't received any money to pay me again.Please I need help to get the rest of my money back. Also they didn't send me a letter before closing my account. They closed my account first and then send me the letter. Please help me. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, XX/XX/55, & I'm reading that Equifax reported to me that my credit score went down 59 points for a {$270.00} XXXX increase ; which by the way I paid off in full back in XXXX ... so obviously this 59 point drop reason doesn't even exist ... ... .Then later after you pass the reasons for the dropping changes in my score, you can scroll on down to where Equifax actually posts XXXX credit card with a XXXX balance ... I've been trying for over 4 years to get Equifax to update my file with my XXXX year old mortgage balance but they keep reporting " I don't have a mortgage '' & then they say it would look better for my credit if I had a mortgage!!! They are crazy, incompetent, fraudulent, & never up-to-date ... .plus every time I try to contact them I can never get thru all the stupid crazy privacy hoops you have to jump thru ... ..not only do they not keep their files correctly updated, but they lowered/ruined my credit score with false info & they make it impossible to get it changed/corrected ... .They falsely print wrong info to ruin your score.. They've also reported that I have an outstanding {$360.00} balance on my XXXX XXXX XXXX card ; but I also paid it off in XXXX..I try to go thru proper channels & file disputes, but they take weeks to process their disputes ... .They are very damagingly, unprofessional & need to either be corrected or shutdown Image XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent Experian a certified letter with a return receipt to remove inaccurate items from my credit report. I used my own money to purchase ink and paper as well as finance the USPS service charge for sending certified mail. Experian responded to my request with a letter to me saying that the request was sent in error or not sent by me. This is misleading for them to be able to deceptively maneuver around my request and waste my time and resources. This isn't the first time, it should be illegal! I made my request to Experian to remove inaccurate items and it should be honored completely because they are here to serve the people righteously as consumers or what's the point of them existing. Attached in my supporting documents I will include the letter I sent them. The first time you the CFPB allowed them to keep inaccurate items on my credit file without providing proof they belonged to me. They said it was not sent directly by me and I sent it from my home address. They even referred to it as an alleged request like its a joke. The letter was very precise and professional.