23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was contacted by a mortgage broker representing XXXX XXXX XXXX XXXX. This is the same broker who I worked with to obtain my original mortgage and a subsequent re-financing for the same property. He called and told me rates were down and I could benefit from a refi. He requested my personal info to run a credit check and got back to me saying everything looked good. He then requested we do a refi on my primary home ( original conversation ) and also on my second home ( rental property ). I told him I would be interested only if it makes financial sense for me. He assured me it would and asked for {$1200.00}. to proceed with processing. I sent a lawyer the XXXX for transferring my mortgage from XXXX XXXX XXXX XXXX back to XXXX XXXX. ( XXXX XXXX was the original mortgage holder and XXXX XXXX XXXX obtained via refi ). Several months went by when I was contacted by a colleague of his with teh refi estaimates. They were completely ridiculous. They wanted me to refi and take out $ XXXX on rental property to pay down primary mtg to obtain a better rate. The costs were approaching $ XXXX and Imy combined mtg would decrease only {$170.00} per month. They also recommended I roll closing costs into my refi package. Hence, I incurred $ XXXX more debt and reduce my monthly payments {$170.00}. I told them I wasnt interested. We went back and forth for several months before they agreed to provide a new refi for only my original ( Primary ) home. This was attractive but it was n't making any progress. After months of calling them back and emailing and texting them I was told the underwriter has declined my application due to insufficient work history. I have been doing the same XXXX XXXX work for 20 years and qualified with same persons/entity for my original mortgage and refin. I also make more money than before and have more assets than before. I told tehm I want my {$1200.00} back and they said there 's one more option - I have to wait until XX/XX/XXXX to have sufficient work history. Interested rates went up twice since original rejection notice ( XX/XX/XXXX ). This XX/XX/XXXX I submitted updated documentation and was told yesterday I was denied again - same reason. I have been doing the same work for 20 years and teh broker know of the work before this process began and has worked with me before over the past 8 years. They were 100 % aware of my work history before they requested the {$1200.00}. I also believe they wanted to set me up with a bad and inappropriate re-fi agreement and when I rejected it they wanted out of the deal with me. Loan agreement is attached. Psswrd is XXXX. This in itself should constitute a violation of some consumer protection for inappropriate loans.
Product: Vehicle loan or lease

I was sold a vehicle that from day 1 had issues. I went into the dealership with specular credit and wasn't giving a choice to select a car. the sales man forced me into the vehicle he selected stating it was the best car for me. the vehicle has issues that are unsafe and can pose a threat not just to me but my family and on the roads as well. the car does this sudden jerking motion when the car is driving or even while idle. the car skips forward and causes your neck to whip lash. this can cause an issue as I can hit the person in front of me unless I have my foot on the brake and emergency break on while at a red light. this I every unsafe for my children and I need this issue resolved as I pay a lot of money on this vehicle and its a car with manufacturing issues when I've tried to speak at the dealer ship they say there's nothing they can do as the car was already sold to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to our attention that XXXX XXXX XXXX has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an XXXX complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Product: Student loan

Good afternoon, I just need my information such as payments made to be corrected in the system. I made plenty of payments to ACS servicing but only a few were documented when my loan was turned over to XXXX XXXX. My balance actually went up instead of decrease. I was under the impression, I was refinancing but that wasnt it. There no way you can go up when I have been paying on the account since 2005. I just need my account updated. Now there is no way to contact ACS directly because they dont do loan servicing. Thank you
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX BALANCE {$270.00}. 

I have previously submitted a detailed report of identity theft, along with supporting documentation. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that XXXX conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, VIA THE EQUIFAX SECURITY BREACH AS WELL AS XXXX XXXX BREACH AND PERSONAL IDENTIFICATION DOCUMENT THEFT. I HAVE RECIEVED THE FOLLOWING ITEMS ON MY CREDIT REPORT THAT NEED TO BE REMOVED TO CORRECT MY REPORT PER SECTION 605B. HERE IS NO NEED FOR A REINVESTIGATION AS I HAVE PROVIDED LEGAL PROOF AND A NOTHER INVESTIGATION CAN'T DISPROVE FACTS EQUIFAX, XXXX AND XXXX XXXX, PLEASE REMOVE THE FOLLOWING ITEMS ASAP. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADJUSTMENTS
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from 2012. The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at XXXX XXXX XXXX also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with fifth third bank which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from XXXX XXXX XXXX, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.
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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Experian has caused me physical, mental & financial anguish by violating my rights as a consumer. 
Experian reports serious delinquent payments with company XXXX on my credit report, which is inaccurate & inconsistent. I have tried numerous of times to resolve this matter with Experian to no avail. Experian is in violation, and must acknowledge law- - [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S.C. 1681s-2 ( a ) ]. Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to a consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. [ 15 U.S.C. 1681s-2 ( a ) 1 ] ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commis- sion may commence a civil action to recover a civil penalty in a district court of the United States against any person that 72 violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 
Experian must remove ALL inaccurate, inconsistent, negative remarks showing late payments with the XXXX company, from my credit report, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has placed an unauthorized fraud alert, security freeze on my credit report without my knowledge therefore against my wishes. This unilateral action taken by Experian must be corrected immediately.
Product: Consumer Loan

Fifth Third bank has taken funds, via direct deposit, from our bank account. My wife and I have a car loan with them and they took it upon themselves to take additional money out of our account by adding an insurance fee. We have had insurance the whole time and called after the first time it was done to us. They told us that the money would be returned to us after we had insurance company send over insurance information. This information was sent to fifth third bank and we were told that we would be getting our money back. They have for a second month in a row, charged us for the same fee. They now owe us two months on unauthorized charges, and are not returning the phone calls. All my wife and I want are the XXXX unathorized fees as well as the non sufficient funds charges that we have had to incur as a result of them taking this money from our credit union.
Product: Vehicle loan or lease

Ally Bank approved the financing of my auto loan from the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX, Texas after the promissory note was signed at the dealership for full faith credit payment of said goods purchased. 

Under the FDIC Hold in due process 6000 Rule 433.2 ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

16 CFR Part 433 Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses ( Holder in Due Course Rule ) Rule Summary The Preservation of Consumers Claims and Defenses [ Holder in Due Course Rule ], formally known as the " Trade Regulation Rule Concerning Preservation of Consumers ' Claims and Defenses, '' protects consumers when merchants sell a consumer 's credit contracts to other lenders. Specifically, it preserves consumers ' right to assert the same legal claims and defenses against anyone who purchases the credit contract, as they would have against the seller who originally provided the credit. ( I was not provided full disclosure, and my credit was not credited to my account. ) First, the seller may execute a credit contract with a buyer which contains a promissory note. In the event that the promissory note is assigned to a credit company, the credit company takes it free of any claim or defense which the buyer would have against the seller. This is true unless the buyer can prove that the credit company is acting in bad faith or with notice of actual seller misconduct. Second, if a local statute prohibits the use of such promissory notices in credit sale transactions, the seller may incorporate a written provision called a " waiver of defenses '' in the text of an installment sales agreement. A waiver of defenses is the consumer 's written agreement that his installment purchase contract may be treated like a promissory note in the event that it is sold or assigned to a credit company. ( I was not provided full disclosure, and my credit was not credited to my account. ) Ally placed a lien for payments on this loan when the dealership was paid in full faith per the consumer credit contract and the signed promissory note. My attached Certified XXXX Search 11 shows no lien was ever placed on the goods in question. 

I'm not able to access my online statements or contract, I did send Ally Bank a request for a copy of my contract or statements.
Product: Vehicle loan or lease

I have multiple issues with Wells Fargo auto. 

1. The main issue is fraud within the financial agreement. 

this issue has been brought to Wells Fargo attention since XXXX of XXXX Wells Fargo is not listed as the creditor on the financial agreement even though they are the original creditor of this commercial transaction. 


I have documents provided by XXXX XXXX XXXX that states ; They were were unable to provide financing for this transaction. It also states the dealer did not submit my application to the financial sources. However, on the Financial agreement Wells Fargo Auto was assigned all interest to the contract, But was never mentioned in the contract as the creditor. " see attachments '' 2. Unverifiable agents. 
Wells Fargo has sent multiple correspondences signed by agents that refuse to use their full legal name on legal documents. 

I believe this is a violation of Title 15 U.S. Code 45 and Title 18 U.S. Code 1341 and I have filed a complaint with the Florida Attorney General 's Office. 

Wells Fargo has unlawfully continued to charge my account, refuse to inform the credit bureau of the legal dispute and on XX/XX/XXXX there was breach of peace and Wells Fargo sent a 3rd party to unlawfully repossessed my vehicle XXXX XXXX XXXX XXXX. 

yes law enforcement was called " see attachment '' I have never refused to make a payment and I've been in constant communication with Wells Fargo Auto via phone calls and letters. " see attachments '' despite constant communication Wells Fargo and the debt being disputed under the USC Title 15 FDCPA and FCRA refused to adjust the account and has now charged off my account requiring me to pay the full amount
Product: Credit card

Hello, I am using Discover credit card and I pay off my monthly due on time with full due payment as per their statement to avoid interest. I also used Discover promotions like balance transfer with 0 % rate for next 18 months with initial fee. Let us say by using that promotion, if I transfer {$3000.00} on XX/XX/XXXX and they charge me {$90.00} on the day of transfer initially and then I have to pay off that amount on or before XX/XX/XXXX 

So my understanding is that from XX/XX/XXXX onwards, if I pay off my monthly purchase transaction as per monthly due, I wo n't see any interest. because my balance transfer loan is 0 % for 18 months. But every time I pay off my monthly due as per their monthly statement, they still charge me some interest. I asked them why then they mentioned, I have balance transfer loan. But that is 0 % for 18 months. 

As a consume, I am not able to understand their explanation. I can provide my last 24 months statement, you can look at it and see why those interest charges applied every month. They are charging me initially 3 % of loan to provide 0 % for 18 months and then they are charging interest fee every month. But I am paying off my all monthly purchase transactions as per their statement. 

Let me know if my statement make sense or not. 

Thanks
Product: Vehicle loan or lease

The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 usc 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i sent equifax a letter disputing some collections that are reporting on my credit report and asked them to verify the information they are reporting to my credit. it has been over 45 days and i have yet to get a response from the company or have even processed my request.