23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Paramount Capital Group sent me an email on XXXX, XX/XX/2021 stating that " Your Paramount Loan is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( Paramount Capital Group XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.
Product: Student loan

On the first week of XX/XX/XXXX, I called EdFinancial Services - customer service to request a refund for the lump-sum payments I made during the forbearance grace period. I was told that they would begin the process of the refund and my loan balance would be updated back to it's original amount. The representative was very nice and even submitted to get my payment refunded via check because I closed the bank account I paid against the loan. I was optimistic that this process would be smooth and easy! I think it's important to note that I made my payments in-full against my previous loan provider, XXXX XXXX XXXX who was acquired by Ed Financial service . 

On XX/XX/XXXX I call back to check-in for an update on my refund and asked why I haven't been provided an email to setup my account. The rep that I spoke to could not find my request at the beginning until I told reminded her that my previous loan provider was XXXX XXXX. She assured me that my request is still in the queue. I told about my concerns that would miss the one-time student loan forgiveness program under the Biden Admin because there would be no balance reflected in time. She told me to go ahead and apply and that if I am rejected it would reprocess automatically. I went ahead and applied for student loan forgiveness. 

I called today, XX/XX/XXXX to request an update as to the status. I spoke to XXXX representatives who provide me with no update other than it was in process. XXXX representative that my request was submitted on the XX/XX/XXXX. ARE YOU KIDDING ME! I requested this over a month ago! In addition, she told me complete opposite directions/information from my last call on the XX/XX/XXXX saying that I can't apply for the one-time student loan forgiveness program under the Biden Admin until my loan balance is reinstated. WHAT?!? Be consistent. I don't even know what to believe! 
The XXXX rep continued to tell me that it takes time because the request has to go through the U.S. Treasury. Fine. that's fair.... but I followed up with " is my request status held up by the U.S. Treasury? '' She replied, " No. '' So ... my status of refund went from being unknown to being able to see if it's been submitted to the U.S. Treasury. I just want my refund and my loan balance reinstated so I can get the loan forgiveness!! No help is being provided. I tried to file a complaint ... no process for me to do that other than submitting it through the customer service rep who was very rude, couldn't provide answers or solutions, and didn't seem to care for my needs. How can I trust that they even filed my complaint if they could provide me straight answers. 

This company is unprofessional, provides XXXX transparency, and is not in the interest of helping those who they serve. What more do I need to do to get my refund and reinstate my loan balance. If I don't get the forgiveness because of EdFinancial Services 's lack of customer service, I will put 100 % blame on them and expect them to cover my loan balance after I get my refund.
Product: Checking or savings account

Someone might have used my name, phone number and email address to open a savings account with PenFed Credit Union. I called the bank and they could not confirm how that happened. I would like to report this incase it affects my credit score.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: Mortgage

I sent Seterus Inc a letter on XXXX XXXX, XXXX asking them to relinquish my escrow agent which they have grossly mismanaged and asking them for reversal of misapplied fees which originated through their mismanagement in XXXX. I have n't received a response as of today XXXX/XXXX/XXXX, over 5 weeks ago. I already had to make my XXXX mortgage payment to include the escrow impounds and XXXX XXXX is approaching when again another payment is due. At the time I requested this on XXXX/XXXX/XXXX my escrow account had a positive balance of {$92.00}, see attached XXXX statement. Now on the XXXX statement I show a negative balance of {$150.00}. This is because they again incorrectly made a payment to the new hazard insurance company even though I sent them a letter on XXXX/XXXX/XXXX telling them I was changing insurance company and I was going to pay for it directly myself outside escrow. I stated they were NOT to make a payment to the insurance company and they did, causing my escrow account to be deficient again. I have been told by XXXX, the new hazard insurance, that they have returned the funds to Seterus and that she got confirmation that they would be reapplied to my escrow, but I do n't see it in my account as corrected. XXXX will be withdrawing from my bank account directly the insurance monthly installment and I do n't want to pay twice for it by continuing to pay into my escrow account. I need expedient attention to this matter by Seterus. Last year it took them a whole year to fix my escrow and I still do n't know if they reversed the fees they charged. 
I really ca n't wait to get rid of this servicer. If ever I get another loan with Fannie Mae I will make the mortgage company sign an affidavit prohibiting my loan from being serviced by Seterus. Fannie Mae needs to move my loan to a different servicer please. I do n't have time to waste with this company
Product: Debt collection

Recieved notice from XXXX XXXX, and XXXX, of a said debt added on my credit report in which i was never contacted, by mail, or phone for my right to verify this debt, before adding on each credit report. The company failed to mail, or make any contact, giving due process for this debt to be verified. Also i agreed with this company in which they are collecting for a lesser amount and i closed my account out.
Product: Student loan

There are XXXX pages of history, via the U.S. Dept. Of Education website, somewhat detailing the major railroading I 'm trying to decipher. 
In a nutshell, I borrowed less than {$25000.00} & owe close to {$80000.00}. 
Crazy how every deceptive practice employed by Sallie Mae has been embraced & accepted as fact, in reference to my student loan debt. 
It 's an atrocity & a sin how so many others, such as myself, struggled through affording a college education & are now employed members of society, but my student loans & the debts they 've accrued ruined any chance of my home ownership. 
As I see it now, it 's also dismal in the future.
Product: Payday loan, title loan, personal loan, or advance loan

( 1 ) I never consented to a loan. Merchant, XXXX XXXX, advertised a monthly subscription that would be paid through payment service, Affirm. 

( 2 ) The XXXX XXXX salesperson never disclosed that they would create a loan in my name. Around XX/XX/XXXX, XXXX XXXX and Affirm created a loan without my consent. The payments appeared to be a monthly subscription as the salesperson had offered and I had not been aware of the creation of the loan. Through fraudulent sales representation by XXXX XXXX I was deceived to think the payments to Affirm were a monthly subscription to XXXX XXXX. 

( 3 ) Between XX/XX/XXXX and XX/XX/XXXX, I never used any services of the " subscription '' and decided to cancel but it was unclear how to cancel through the app or otherwise. 

( 4 ) In XX/XX/XXXX, resolving to cancel the " subscription '', I contacted XXXX XXXX. They informed that I did not have a subscription with XXXX XXXX. Instead, I was told I had a loan with Affirm. So, I was unable to cancel the payments and was responsible for any remaining loan balance. After complaining to XXXX XXXX for being unable to cancel what was supposed to be a subscription, XXXX XXXX " apologize [ d ] that you felt like you were mislead. '' I was offered partial refund of {$500.00}. I did not accept this offer because I had been deceived and asked for a full refund which led to an a new offer for partial refund of {$1000.00}. This is still unacceptable. 

( 5 ) Affirm is responsible for servicing this fraudulent loan and bears the responsibility for the accuracy and authorization by the consumer. I submitted a dispute to Affirm to report the loan as invalid. 

( 6 ) I did not consent to a loan. Therefore, I also did not consent to the loan payments. 

( 7 ) Furthermore, the sophistication of this deception suggests XXXX XXXX and Affirm are partners in this abuse of the consumer.
Product: Debt or credit management

Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Subject : Request for Review and Removal of Missed Payments Dear Capital One, I hope this message finds you well. I am writing to formally dispute the missed payments reported on my credit account [ Account ending : XXXX ] Date reporting : 2020 XXXX, XXXX, & XXXX. 
I believe these missed payments do not accurately reflect my payment history for the following reasons : Payment History : I have consistently made timely payments prior to these incidents, demonstrating my commitment to maintaining a positive credit history. 
Circumstances : Back in these horrific times for me I was experiencing having to sell my home during XXXX and rely on family for months until I was able to relocate and establish a new home and to get caught up in circumstances that led to the missed payments, such as illness, job loss, and a place to live. 
Resolution Efforts : Since the missed payments, I have taken steps to ensure this will not happen again, Ive set up payments arrangements. I completed my auto payments. Staying as current and on time. 
Given my overall history and the context of these missed payments, I kindly request that you review my account and consider removing these entries from my credit report : 2020 XXXX, XXXX, XXXX. 
Thank you for your attention to this matter. I appreciate your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX CT XXXX, NC XXXX
Product: Checking or savings account

I closed my checking account with this Bank on XXXX XXXX, XXXX. On XXXX XXXX, XXXX this Bank sent me a letter that there is an overdraw balance made on XXXX for the amount of {$55.00} which is incorrect and threated to claim the overdrawn amount with a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Response to Inadequate Investigation Violation of FCRA 611 To Whom It May Concern, I am writing in response to TransUnions inadequate response regarding my dispute. Your response failed to comply with the Fair Credit Reporting Act ( FCRA ) 611, which mandates a reasonable investigation of consumer disputes. Specifically, your actions violate the following : 1. Failure to Conduct a Reasonable Investigation ( 611 ( a ) ) You verified the XXXX account as reported without providing evidence of a thorough investigation. 

Simply confirming an account without verifying the accuracy of the data is not sufficient under the FCRA. 



2. Failure to Provide the Method of Verification ( MOV ) ( 611 ( a ) ( 7 ) ) Under this section, I have the right to request and receive the exact method by which this account was verified.

You are required by law to provide this information upon request, yet you failed to do so.

3. Failure to Remove Inaccurate or Unverifiable Information ( 611 ( a ) ( 5 ) ) The FCRA requires deletion of any disputed information that can not be verified.

If you can not provide independent verification of this accounts legitimacy, it must be removed from my credit file.

4. Fair Debt Collection Practices Act ( FDCPA ) Concerns If XXXX or any collection agency failed to properly validate the debt before reporting it, you are complicit in violating my rights under FDCPA 809 ( b ).

Demand for Immediate Action : I hereby demand that : You immediately provide the method of verification ( MOV ) for the XXXX account . 

You reinvestigate my dispute and provide detailed documentation supporting its verification. 

If you can not provide documented proof, you must delete this account per FCRA 611 ( a ) ( 5 ).

You provide a written statement of compliance within 10 days. 


Failure to comply will result in legal action under FCRA and FDCPA, including seeking damages for willful violations. I will escalate this matter to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and my State Attorney General if necessary. 

This is your final opportunity to correct these violations before legal proceedings begin!
Product: Mortgage

XXXX XXXX  is my loan servicing company. I have had my home for just over 15 months and put down/paid off about 10 % of my principal mortgage amount. 

In my area in XXXX Florida, the housing market is on fire. Homes around me with similar Sq ft. are selling for well over what I paid for my home. 

This fact sparked asking my loan servicer if I could pay for a new home appraisal so that if the new loan to value surpasses the 20 %, I could get rid of my XXXX XXXX  XXXX ( XXXX $ XXXX ). 

I asked for a supervisor to ensure I was given correct information once I received a letter of my options. The Option that best serve me stated that is I had made substantial improvements to my home and paid for an appraisal of my home and it came back more than the shown amount on the letter, my PMI would be retired. 

Since my call and point of view is the housing market itself has increased the value of my home substantially in the last 15 months, I wanted to check if this fact was sufficient enough for XXXX XXXX  to allow me to pay for the appraisal Without listing Substantial improvements. To my delight, the supervisor representative from XXXX XXXX  agreed and reassured me that if I sent a check for the appraisal performed by XXXX XXXX  and resulted in the new home value over the amount listed in the letter, my PMI would be retired! 

Now here is my complaint. Weeks later, I hear nothing from XXXX XXXX  until I call and ask again to speak to a supervisor ( most normal agents they have are novices in mortgage and simply read scripts and a computer screen ), and ask what may be the holdup on my appraisal??

The supervisor stated that because my property HAS NOT made any substantial improvements, they would be sending my check back to me and not performing an Appraisal!!

I pleaded the only reason why I sent a check in the first place was because of one of their supervisors assuring me of the appraisal being done without needing to provide home improvements! 
This conversation lead to other supervisors and all of them are reading a script. Denying my chance to an appraisal that would clear my loan to value well under 80 % and cancel my PMI. 

I believe this is incredibly Unfair, unethical and unjust! I should be allowed to PAY for an Appraisal of My Home at anytime if I feel the results would PROVE my homes value can cancel my PMI! 
I hope this email finds the correct path to a better mortgage experience holding loan servicers responsible to unfair, unethical and unjust practices. 

Thank you!.
Product: Debt collection

My recent credit report includes unauthorized and inaccurate accounts. Please ensure these fraudulent entries are promptly removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

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. 
Account name : Credit Management LP Account Number : XXXX 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: Student loan

I have been working towar d Public Service Loan Forgiveness for 8 years, paying under an income driven plan. I called   Fedloan Servicing on  XXXX / XXXX /  XXXX   to ask why my monthly payment had changed. The person I spoke to suggested I change my repayment plan to the standard 10 year repayment plan to save on monthly payments. I asked repeatedly if this would affect my  PSLF  eligibility. They said i would still be eligible for forgiveness in 2 years. I applied. I called back 10 days later to check status and ask someone else if eligibility would be affected. They said I should still be eligible and that the request was pending. When the request was approved, fedloan servicing sent me the repayment terms. The terms ere standard payment for a 20 year plan. Only the 10 year plan is acceptable for forgiveness eligibility. I called. The operator noted that when i consolidated, I was put on a 30 year repayment term and could not deviate. She told me I had to now reapply for an income driven plan. My request is still pending. This inaccurate information from the servicer will result in a delay of my forgiveness.  Imagine  if I did not understand the program and made payments under the new plan, only to be denied eligibility for forgiveness in 2 years.
Product: Vehicle loan or lease

Equifax is showing 90 days late with XXXX XXXX. My car was totaled and had GAP coverage. The GAP insurance short paid XXXX, through no fault of my own. They are now chasing me for the money owed by XXXX, which I think is illegal. Now my credit is ruined because of there nefarious actions.
Product: Debt collection

As mentioned to Discover, I did not open an account with this company. It may have been a result of someone using my personal information. Discover has not produced any physical documentation after various requests. They do not have a copy of any contract that I, myself, have signed or even have a copy of the ID used to open the account. Anyone who may have had access to my personal information may have opened this account. My request for a reasonable investigation has yielded nothing more than the " XXXX '' " verification method, which has done nothing but match information already recorded. Discover HAS NOT investigated who may have actually opened this account, by sending me a copy of the contract and/or ID used to open it.