23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, a XXXX line of credit was obtained from Suntrust with my commercial building used as collateral. A deed of trust was filed against the property in the amount of XXXX On XX/XX/XXXX, the line of credit was increased to XXXX. The same property was again used as collateral. A new XXXX deed of trust was recorded on the property. 

The original XXXX deed of trust was never canceled as it was suppose to have been when the second deed of trust was recorded ; leaving two outstanding deeds of trust on the property- a first and second lien. 

On XX/XX/XXXX, I received approval to refinance the existing XXXX loan with another bank. When a title search was performed by the closing attorney, it was recognized that there were two deeds and two liens filled by Suntrust- but only one existing mortgage. 

The closing attorney and related title insurance company has stated multiple times that the loan can not close until the first lien is canceled ; as the title company needs to be assured the new bank will be in first position. Paying off the second lien, with the first Suntrust lien remaining would mean the new bank would be in second position behind Suntrust first lien which should not be there in the first place as there is no related loan tied to the lien. 

Numerous calls and in person visits have been made to Suntrust requesting the bank to fix their error and release the first lien, which should have been released at the time the new second deed was recorded. 

Each request, I was told we will Look into it and get back with you. This has been going on for over a month. I have had to delay closing on my new mortgage multiple times due to Suntrust not releasing the lien. 

Suntrust will not release the lien, or provide a payoff. Conversely, they are maintaining a lien on the property without justification. 

This has cost me in higher interest costs and hours of my time.
Product: Debt collection

A company name http : //rsgcollect.com/ contacted me by phone and said a loan debt was owed in the amount of XXXX. 
i told them to email me the information for review. i then received a call 20 minutes later from a blind number from a company called XXXX XXXX threatening to seize property and that they will contact my parents, visit my property and contact my landlord of my business if i do n't pay today. 
i called recovery solutions back and told them about the XXXX call and they confirmed that they hired XXXX to seize property immediately. 
i began to feel suspicious, so i found contacted XXXX online and contacted them- they said they do not know of a company called recovery solutions. and i then contacted the original debtor listed on the debt and they too did not hear of recovery solutions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I logged into Experian to dispute Collection accounts from third party collection agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I disputed the validation of these collection accounts. I wrote in every dispute " This company has not provided any documentation or proof of this alleged debt, please delete off my credit report ''. 

On XX/XX/XXXX I started receiving updates to these disputes claiming " has not been changed and will remain on your credit ''. 

I then disputed every single collection again from all credit agencies listed above with " If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection. If you can not provide this, please delete immediately. 

I started receiving dispute updates with these accounts on the XXXXXXXX XXXX XXXX claiming again that it is valid and will remain on my credit report. 

I still have not been provided proof of how these accounts are verified valid, nor have I received any purchase agreements, nor my original signature authorizing said collection agencies to collect said debts. 

The above listed collection agencies have also been calling me non stop. I have asked above collection agencies to stop contacing me through phone and please do so through the mail. If said collection agencies can not provide validation, with an original ( not photo copied ) signature the said debt is null and void under 15 US Code 1692c, 1692g, 1681e etc.

My next step is to write each above collection agency and serve them with a Cease and Desist letter, also including harassment and violation of my consumer rights. Under the FCRA Section 605b it is illegal to report anything without my permission.
Product: Mortgage

We have been trying for the longest to get Shellpoint to correct the incorrect balances and payments reported to the credit bureaus. In the attached you will see that our loan was Service Transferred to them on XX/XX/XXXX. At that time the loan had a balance of {$190000.00} - We had made 17 consecutive payments since that has the account showing no late payments. Yet the account is also showing in the payment history various higher balances that in no way could be related to our loan. Starting from a received balance of {$190000.00} to an transferred balance of {$180000.00} after the last payment on XX/XX/XXXX and before it Service transferred to another servicer.

It has been near impossible to get Shellpoint to correct the payment history, that also shows balances of {$190000.00} - {$190000.00} - {$190000.00} - and several balances of the {$190000.00} amount. These balances are impossible to understand from a starting balance of {$180000.00} to and ending balance when transferred, and there are none of the high balances on any of the monthly statements, yet they continue to report to the credit agencies balances that are not related to our loan. And they not reporting the actual payments amounts that are important to show that the loan has been paid correctly for the 17 consecutive payments that were made that we should be seeing reported to the credit agencies.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX I acquired a {$10000.00} loan from Upstart. Payments of {$250.00}, ( but I paid {$250.00} ), began In XX/XX/XXXX and to date all payments have been on time within two or three day variance based on my Social Security benefit payments for the XXXX Wednesday of the month. Initially my payments were sent to Upstart Network Inc, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX. Sometime later without notice they changed their payee name to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and payments were sent to the new address. They claimed that in XXXX I missed two payments but my banks disagree As I do with all my crediitors, I will occasionally pay extra during the month. I disputed the late payments, they refused to acknowledge that there accounting system is flawed. I have continued to make payments and continue to dispute their claim. This company has single handedly ruined my credit. If you or anyone will see my credit report and know that I have never missed or been late to anyone. This company will not use my extra payments to get to erase their imaginary debt and have told me that it is their perogative to assign where payments go. This generated debt is always somewhere between $ XXXX. After my last complaint, the company claims that they can not respond to me because they don't recognize my email address.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX {$73.00} / XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ally Finance c/o GMAC Auto. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Volvo Car Financial Services ( VCFS ) offers a vehicle lease extension option on their website, for XXXX, XXXX, or 3 months. On XX/XX/XXXX, I selected XXXX and the automated response said I would hear back. 

When I did not hear back, I called VCFS today ( XX/XX/XXXX ). I was told they only extend leases when you have an order placed with a dealership. If that is the case, along with being a consumer-unfriendly policy, it is radically misleading to even offer the extension option on the website without this important qualifier. That is my first complaint. My attachments show the denial issued. 

Moreover, the VCFS representative told me on the phone I did receive a reply. I checked my email and recent voicemails. Had neither. But, it turns out, that yes, I did receive a denial via VCFS ' messaging platform. That messaging platform does not notify the consumer through any other means when you get a message. No email to say " you have a secure message '' or anything of the sort. Had a not followed up with VCFS, I never would have known. That would be my second complaint.

I am also attaching the full message history via VCFS ' " secure messaging '' which shows that the denial was made without my providing a single fact and was a denial that appears consistent with Volvo 's maintaining a policy of no extensions. I am also attaching a screenshot of the message I got when submitting an extension request ( for the purposes of this complaint, I just requested another extension via the website ), that suggests I'll be hearing back in 48hrs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has not given me an updated score for over 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reports that I applied for a XXXX XXXX XXXX card on XX/XX/XXXX. This activity is fraudulent. I have called XXXX XXXX XXXX hotline and ensured them it was fraudulent activity and they recommended I dispute here. This activity needs to be removed from my XXXX  credit report. 

On XX/XX/XXXX, XXXX reported that I took out a Kohls/Cap One card. This activity is also fraudulent. I have reached out to Kohl 's hotline as well and ensured them it was fraudulent activity. This also needs to be removed from my XXXX credit report.
Product: Credit reporting 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 XXXX XXXXXXXX There are discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. The reported last activities differ across XXXX, Equifax, and XXXX, with Dates of XX/XX/XXXX, for XXXX, XX/XX/XXXX, for Equifax, and XX/XX/XXXX, for XXXX. A notable incongruity is evident in the representation of my payment history. Equifax indicates 8 instances of 90-day late payments, while XXXX reports only 1, resulting in a significant inconsistency. Moreover, there is a variance in the on-time payment percentages, with XXXX reflecting XXXX XXXX and Equifax documenting XXXX XXXX. Furthermore, specific entries in XX/XX/XXXX, differ, as XXXX reports a collection charge, whereas Equifax records an on-time payment for the same period. In light of these inconsistencies, I kindly request a comprehensive investigation into the matter and the implementation of necessary actions to rectify the inaccuracies present in my credit report. 


15 U.S. Code 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 consumers 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. 

15 U.S. Code 1681i ( 2 ) ( B ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 


15 U.S. Code 1681 ( b ) - Congressional findings and statement of purposeIt is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Account from XXXX payment history was disputed in XX/XX/2017. The payment history was deleted due to inaccuracies in reporting. Equifax sent confirmation of the deletion but then re-reported it 6 months later and is refusing to delete it although I have written proof form Equifax of the deletion. This reapplication of this payment history was after Equifax erroneously split my credit file. Now they are refusing to restore it to correctness.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S, C, 1681 Section 602 A state 's I have the right to privacy.

15 U.S, C, 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish and 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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: Checking or savings account

On Friday,  XXXX   XXXX , I went in to the  XXXX  downtown branch of Bank of the West to close my checking and savings account. I had incurred charges on this account the day prior, despite not having overdraft protection. The account was in the negative ( approximately - {$220.00}  ) for about 1-2 days. I paid the banker the balance to brin g the account to  XXXX . I paid in cash and asked him to close the account after it was brought to   XXXX  . The banker gave me an excuse saying that he could not close the account for some reason, but failed to state exactly what that reason was and what policy and/or law he was adhering to. I told him that I wanted both accounts closed that day.     On Monday,  XXXX   XXXX , I emailed  XXXX  asking about the account, to ensure everything was closed. He emailed me back saying that there were more charges on the account, from automatic payments that I had set up previously.     I was charged {$35.00} for the overdraft and paid all charges on the account, today,  XXXX / XXXX / 2017 . I do not understand WHY a bank would allow any further charges on a closed account. When a customer asks to close an account on a specific day, not closing the account means more ways to collect on bank fees. Not closing the account when I asked helped the bank become unjustly enriched.     I am very upset with the Bank of the West, their behavior is egregious, predatory and full of non-disclosures. I would like to recover the {$35.00} that my husband paid today to try to close the accounts I had.     My husband was told that even though we want to close the account, more charges could be applied to the account. This is an unacceptable excuse and I believe it is in violation of several laws as well in violation of the covenant of good faith and fair dealing.
Product: Debt collection

Americollect has not reached out to me about this account I checked my credit report and it was on there this is not my account. I have no knowledge what server of this collection account.
Product: Vehicle loan or lease

WELLS FARGO SETTLEMENT XXXX XXXX VS CFPB Wells Fargo Auto XXXX mismanaged my loan and wrongly repossessed for XXXX XXXX. 
The Wells Fargo Auto loan occurred on XX/XX/XXXX. At the time I complained, but fell on deaf ears. I did exactly what Wells Fargo told me to do and this still happened. The Repo action was on my credit report causing my financial damage. The loan and car value at the time was approximately {$200000.00} VIN # XXXX Wells Fargo had a payment plan in place for me. I made the payment in the time promised. 1 month car payment. 

My car was wrongfully repossessed days later. 
Initially I thought my car was stolen, but Wells Fargo Auto XXXX worked out an agreement with me that I complied with, and yet my car was still taken. 
My payment to Wells Fargo was received and deposited. Approximenty a week after repossessed, my car payment cleared my account.

I read an article in USA today about the settlement between WELLS FARGO and CFPb. I am victim in the lawsuit and should be compensated.
Product: Student loan

XX/XX/XXXX just prior to graduating, I consolidated my loans and my Federal Loan was locked in at 3.75 % APR. XXXX was my loan provider. At some point, they switched to XXXX and somewhere between XXXX XXXX and XXXX, my APR went up to 4.75 % which was not supposed to happen since I was locked in at 3.75 %. I enrolled in a Loan Forgiveness Program and my loan was taken over by FedLoan. I requested a forbearance for the XX/XX/XXXX payment, which was approved. I was informed that if I paid the interest while in forbearance, it would not be capitalized. I paid the accrued {$53.00} interest charge on XX/XX/XXXX ; I again paid the accrued {$5.00} interest charge on XX/XX/XXXX. These payments were interest payments and should not have gone towards the principle since I was still in forbearance. Now just 24 days later, My accrued interest charge is {$42.00}. There is something wrong here and I think I am being charged way more interest than the 4.75 % that I am locked into. I complete an employment verification form annually, which determines my monthly payments. I am requesting an investigation into this company 's interest rates policy and also an investigation as to why my 3.75 % lock in rate was changed to 4.75 %. I have attached documents pertaining to complaint in hopes that this will assist you in understanding my case. If you need further information, please contact me at the phone number and/or email given. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency named Bull City Financial is currently reporting 43 individual and separate medical collections on my credit profile. I recently contacting Bull City to start paying these debts one at a time, however Bull City Financial would not let me choose which accounts I can pay off, and there is no way that I can pay 43 accounts at one time. They told me that anything that I paid them would go towards the grand total of the 43 accounts, and that none of them would be updated as paid until all of them are paid. I told them that this was illegal, but they refused to accept payment on the individual bills. Since Bull City will not accept payment on individual accounts, I want them to combine the total amount owed to their organization in one collection account on my credit report, as opposed to 43 separate and individual listings. I had XXXX, so all of these bills should have been paid already anyway.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

This account shows up on my credit report. I have not received a call, email or letter from them. Ive written them asking for validation over 30 days ago and I have not received a response and they have not removed themselves. It is currently in dispute with my credit company as well
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( XXXX ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( EXP  ) DATE LAST ACTIVE XX/XX/XXXX ( XXXX ) XXXX SHOWING DATE LAST ACTIVE XX/XX/XXXX ( EXP ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?