23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am approaching the maturity date of my loan. During the time of my loan, I had to take a hardship assistance at least once or twice following an unemployment stent during Covid, as well as while taking care of my mother with XXXX XXXX. Recently, I noticed that my Payments did not seem to be applied correctly, and there was a large balance due on my account that I was not aware of. Upon speaking to customer service, I learned that there may be a deferred balance due to one of those hardships however, they were unable to provide any detail about the balance, how much it was, where it came from, or provide any statements or documentation. The first rep said my last on time payment was on XX/XX/XXXX, and then said I still owed {$1100.00} on the account and its overdue. After going back and forward, I realized I needed to speak to a supervisor.

Upon connecting with the supervisor, I advised that I had tried to find documentation on the online portal, however nothing was showing up. There were no payment statements or billing statements, nothing about a hardship assistance agreement or any deferments made during the loan. I ask why I couldnt see any loan documents and the service rep advised that fifth third does not upload documents for auto loans. He said that I would not be able to get any documents from the online portal. He then said that he could fax me a payoff quote or mail it to the address on file. However I wanted more than just a payoff quote so I could understand what I am paying and why. Then I said I did not have access to that address because I am in Texas caring for my mother. When I requested him to upload it into my portal or email me a copy he said he would not be able to do that.

I requested any other way to find these documents and whether a different department could do this for me and he said they could not. The only way for me to find those documents would be to find them in my mail. He said they mailed a final statement to me last month that had details on my final payments, but he could not provide a copy today and even if he could the company doesnt have a saved copy. I requested any information or details about hardship assistance, and he said he can not provide them, nor advise what the balance of the deferred payment was, nor provide a copy of my deferral agreement. In fact, he was not sure if there even was a deferment agreement or if that really was what the leftover balance on the account.m was from.

Unable to view these documents or understand how my payments have been applied over the last few months, I feel I am a situation where the financial institution is participating in predatory loan activities against me. They are making it difficult for me to understand how my money is being applied and what balances remain on the account. Ive made good faith efforts to understand my balance, but at every turn 53 ignores me and chooses to make me take the hard way to answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent all my documents to all 3 credit bureaus. They have not sent me anything proving that these fraud accounts are mine. I requested the step by step procedure on how they verified and they have failed to do so. so by law these account must be removed asap. I contacted the XXXX XXXX XXXX and also the attorneys general for this matter I f i have to i will seek compensation for this illegal situation that 3 of the credit bureaus did. I am going to request that the accounts be reinvestigated and removed asap from all 3 bureaus. per 15 usc 1681 you must listen to the consumer. I am telling you that these accounts are fraud and are a result of identity theft/fraud.
Product: Credit reporting or other personal consumer reports

Account/File # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX dated XX/XX/year> regarding a dispute on the above Account/File Number & also previous disputes regarding this account.

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop responding to my disputes with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE.

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reinserted an account without sending me a notice within XXXX days causing my credit score to drop not being able to qualify for a home loan. Per law they had XXXX  days to send notice of reinsertion, and they chose NOT to.
Product: Debt collection

I'm unaware of this debt. I wasn't given an opportunity to to dispute this debt. didn't receive any proper notification in regards to this debt. If you feel you've given me and or sent me the proper notification regarding this debt please send me a certified copy of proper notification and receipt with my name on it and signature. also provide the following What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent
Product: Mortgage

On XXXX XXXX this terrible horror started started and spanned over the course of 4 weeks. I was spending some time with my family when out of the blue some guy named XXXX XXXX calls me. He claims to be some type of loan officer assistant whatever that is and tells me that my mortgage through XXXX  XXXX XXXX is going to be at a interest rate of 1.75 % going forward and I wouldnt have to make a payment for 2 months he also said that I would get back XXXX as some type of refund. What really bothered me is that he promised me I would get a 1.75 % interest rate and then sent me paperwork saying I would only get down to a 3.50 % from a 4 % and have a 30 year loan even though I was told it would be the payments remaining on my loan. After I got the paperwork a man named XXXX XXXX all but forced me to sign the papers claiming that the interest rate effectively was 1.75 % which was a lie. Things get worse from here. Originally I was told there was no cost to do this loan. The first time his company equifund was charging me XXXX for the loan. A week later he tells me that the only lender that will take my loan is some new company and their fee increased to XXXX for the same interest rate. I asked another loan company if there was a reason I could only use one bank and they told me that he did this because they pay him more money than the other guys So he tried to force me to get the loan from them. At this point I told him I was not interested anymore and asked how much money I have to pay to cancel. At first he told me I could not back out because I signed the disclosures and have to go through with the loan. Once I told him that I will not pay a single mortgage payment he said that I can send a cashiers check for XXXX to him as a cancelation fee and they will change my mortgage back to what I had. Turns out after I sent the cashiers check I did some research and found out I could cancel at any time. It was too late by then he already cashed the check. I have tried calling them for the past 3 weeks and they block my number. One time the guy XXXX answered and said he would get me a interest rate of 1 % and then When I said I was not going to take any loan from them he called me a dumba** for not wanting to save money. These guys have made me realize that theres really no good people left. I still have no idea if I have my old mortgage and am scared to make a payment and they wont tell me anything. Can someone explain to me what is going on? I fought in two wars for this country XXXX dont deserve to be treated like this.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, TransUnion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX financial institutions and the Consumer reporting agencies XXXX, TransUnion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, and XXXX Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX never XXXX me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Permissible Purpose It is a violation to report anything on my credit report, I never gave written consent for any information to be on my credit report. 

THIS IS IDENTITY THEFT
Product: Mortgage

Good Afternoon, On XX/XX/XXXX, I closed on my refinance with XXXX. My first payment was not due until XX/XX/2021. I, however, made a principal only payment of {$950.00} on XX/XX/XXXX in the XXXX branch located in XXXX, GA. I also made the regular monthly payment plus additional principal ( {$750.00} plus additional principal of {$190.00} totaling {$950.00} ) on XX/XX/XXXX at the XXXX XXXX, AL location. On XX/XX/XXXX XXXX sold my mortgage to XXXX XXXX, however, as of this time, no payments have been made to my mortgage at all including the payment due for XX/XX/XXXX. When I called XXXX to find out what happened, they told me all funds are being held in an " undispersed '' account until the mortgage transfer is finalized. When I asked why my payments were not processed they told me this is " standard process in this type of loan ''. I am accruing interest on the full value of the loan instead of decreasing my mortgage by what I have paid. When I view the escrow file, XXXX has a balance of {$2600.00} while XXXX has an escrow balance of {$2400.00}. When I have asked for a full accounting I am told none exists and that once the final transfer of the account over to XXXX I " should '' be able to get this accounting I am looking for. I have made all payments in good faith, and to deny me access to a full accounting and to not process my payments in a timely manner I am adding compounded interest to my mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts from my credit report, as I have been a victim of a recent data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please provide actual proof of verification and actual proof that your company is following all applicable federal and state law regulations on the account listed below Because I don't believe you are from looking at the account history from last payments dates balances reporting it's not 100 % accurate and I feel like it does not meet the Fair credit reporting act section 611. 

I clearly highlighted the reporting errors and if you do not send in proof that you are following the laws then I will have to seek legal action. 

Send in all actual proof you are XXXX XXXX XXXX Account name XXXX Account XXXX
Product: Student loan

My name is XXXX XXXX I am aXX/XX/XXXX XX/XX/XXXXmostly patients XXXX and above in XX/XX/XXXX XXXX FL XXXX I finished my training programs in XXXX and wanted to serve my community better so I got a job with a non profit with XX/XX/XXXX. 

In XX/XX/XXXX I started working as a XX/XX/XXXX with XXXX XXXX XXXX of XXXX. Tax ID/EIN- XXXX My wife wanted our kids to be closer to their grandparents- so we moved to Florida. I stopped working at XX/XX/XXXXin XX/XX/XXXX - So I worked for this non profit employer about 3 years and 9 months. 

I started working for XXXX XXXX XXXX XXXX XXXX XXXX on XXXX I am currently employed by XXXX XXXX XXXX XXXX XXXX the XX/XX/XXXXXXXX their Tax ID/EIN- XXXX. 

I have been paying off my student loans since XXXX. I consolidated my federally subsidized and unsubsidized student loans around this time with SallieMae. These loans were converted to Navient loans automatically in XXXX. I have since been making student loan payments with Navient. 

I have been working at non-profit clinic for about 11 years now. Someone mentioned this Public Service Loan Forgiveness program. This week I went on the StudentAid.gov website to learn more. The two non profit companies I have worked for since XXXX are " Eligible '' but the website is telling me I have to have to have 10 years of " Direct Loan '' payments to qualify and not FFEL loans-Family Federal Education Loans ( the Navient loans I have been making payments on are FFEL loans ). 

Many other applicants have had this problem and complain the PSLF program is a poorly run Federal Program-as documented in these articles. 

https : XXXX https : XXXX? XXXX https : XXXX The current system is hostile to the student loan borrower and does nothing to promote working for non profit programs. Here are my complaints : -Many employees of qualifying Non-Profit companies ( possibly over half of employees ) with college degrees have federal student loans. Most non profit companies do not tell their employees about the PSLF program. 
-For many paying off Federal student loans the PSLF program remains a secret program. 
-In XXXX when I started making loan payments- Sallie Mae before Navient did not explain the PSLF program. 
-My loans were automatically transferred from Sallie Mae to Navient- Navient did not explain the PSLF program. 
-The Department of Education never contacted me- as a non profit employee making loan payments- about the PSLF program. 

if you want to reach me that would be great- my email is- XXXX and my phone number is XXXX thanks. I have faith that the US Department of Education really cares about people like me who have devoted their lives to public service. I'm surprised XXXX XXXX hasn't fixed these problem yet- President Trump says she's really smart. He knows all the best people.
Product: Debt collection

I am submitting this complaint against Portfolio Recovery XXXX ( XXXX ) regarding a collection account they are reporting, originally from XXXX Bank. XXXX has failed to provide sufficient debt validation despite multiple disputes. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have requested proper documentation proving the validity of this debt, including a signed contract or original agreement. However, XXXX has only provided generic information that does not meet the legal standards for debt validation. 

The account is still being inaccurately reported on my credit reports, causing significant harm to my XXXX XXXX. The discrepancies include : Date Opened : XXXX reports XX/XX/year>, while XXXX reports XX/XX/year>. 
Comments Section : Different comments on each report, creating confusion about the status of my dispute. 
This ongoing non-compliance is a violation of my rights under XXXX XXXX. XXXX ( b ) and XXXX XXXX. XXXX. I request that CFPB investigate this matter and order the immediate deletion of this collection account from all my credit reports, as XXXX has failed to validate the debt and continues to report inaccurate information.
Product: Bank account or service

My bank essentially stole {$510.00} from my account. My debit card had always been linked to my checking account. When my card was reissued, Regions incorrectly linked it to my money market account. Due to their error, I was charged a fee of {$240.00} in XXXX XXXX and {$270.00} in XXXX XXXX for " excess activity ''. In addition to being wrong, these fees are obviously outrageously high. I have written XXXX letters to Regions corporate headquarters regarding this issue, the second sent certified mail. They have not responded in any fashion.
Product: Mortgage

( Please note this overview was sent to XXXX XXXX ), XXXX XXXX, We consistently provide updates directly to your office due to the excessive amount of fraud we are experiencing in Georgia. We feel it is extremely vital to ensure you are aware of the excessive amount of ID Theft/Fraud which is taking place in this state. This is not an isolated incident. We have met numerous victims of Mortgage Fraud in Georgia, As stated previously, I was forced to file personal bankruptcy to obtain assistance with the investigation of approximately XXXX XXXX dollars of CONVENTIONAL RESIDENTIAL Mortgage fraud. We were utilized as targets and never received a mortgage for any of our properties. All closings were staged and our names were forged onto documents which profited others. There were no fraud investigations by the XXXX or the Creditors because it appears they were all involved, Until now XXXX ; XXXX and others are attempting POST PROACTIVE Approaches which should have been completed previously, Unfortunately, the damage has been done and there is no rectifying of the harm others have caused. We are preventative tips regarding the prevention of fraud, This is quite hilarious after the fact. The retained Attorney XXXX XXXX XXXX who was paid a retainer of XXXX has done nothing to assist us, In fact we know he is working with the Creditors and Bureaus to provide information to assist them with staying ahead of any charges which may be filed. Select Portfolio had the audacity to send information regarding Fraud Prevention and ask we complete an ID THEFT/FRAUD Affidavit for the 50th time. We have provided this information previously and now they are asking for additional items in order to cover themselves legally. well, it's too late to cover and besides SPS sent us a letter stating the second mortgage on the home located at XXXX XXXX XXXX XXXX XXXX GA which was stolen by the XXXX trustee. It's very obvious who's a part of this racket but it's too late. They are attempting to follow their given policy and procedure to cover themselves in a court of law, at this point we recommend they provide a level of compensation. The level of evidence against all involved is astronomical and can not be rectified. We will be honored to testify if and when needed. 

Respectfully Submitted
Product: Mortgage

I got a loan modification on my house and I thought the bank put the money that was owe on the end of my loan but they actually put a lean on my house. The company that the back out source my loan with went bankrupt. The bank claim that they do not know anything about lean. I want the lean removed and the debt cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.