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

In accordance with the fair credit reporting Act XXXX Account # XXXX, Volkswagen Credit, XXXX XXXX and XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states " I have a right to privacy ''. 15 USC 1681 Section 604 A Section 2 : It
also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definition ; rules of construction - Exclusions. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

ALLY has an auto account showing as charged off but has not sent me a 1099C. The amount charged off is {$18000.00} but is showing {$13000.00} still owed. When charged off I was to be sent a 1099-C, which I did not receive. I am wanting my credit report to reflect properly. Thank you, XXXX XXXX XXXX
Product: Mortgage

When I took out my loan with Wells Fargo Mortgage, my loan officer ( XXXX XXXX -- who is no longer with WF ) told me that the PMI would be removed when the LTV was 80 % or less. That is my understanding of the Home Owner 's Protection Act as well. 

I just got off the phone with the WF Borrower 's Service line. They just told me that they will not automatically remove the PMI until I pay it down to 78 %. It is currently 79.2 % LTV. 

The officer told me one thing ( and the other officers will only refer me to the Borrower 's Service Line ) and now, when I have paid down the principal they're telling me a different story. 

This is dishonesty but apparently this is also par for the Wells Fargo course.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I went to XXXX XXXX XXXX to get a loan to purchase my leased vehicle from General Motors. the loan officer called GM to inquire as to the payoff amount she ran my credit and they approved the payoff amount GM gave her ( my credit score was XXXX ) she contacted GM for a hard copy of the payoff before she could issue a check of which they sent via fax dated XX/XX/2018 my banker cut a check for the amount of {$22000.00} and mailed it to GM dated XX/XX/2018 XXXX received the check XX/XX/2018 and deposited it XX/XX/2018. As far as the bank and I knew the truck was paid for but the bank never received the title about 2 months later we started checking and GM was claiming I owed them more money for a payment in XX/XX/18 and XX/XX/18 we could not understand they said they had sent the wrong payoff amount that it should have been {$23000.00} and that they could not apply the check we sent to my account because it was incorrect they had already turned me into the credit bureau as late on payments it was all there mistake and they fined me for late payments at this time all I wanted to do is pay them and get my credit fixed so my bank sent them a check for the difference but now my credit score is XXXX because of there mistake + {$1500.00} in fines and penalties I had to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

SPS sent a letter dated XXXX XXXX, 2016 regarding insurance coverage on my residential property. In the letter SPS indicates it is the mortgage servicer on a certain account number. It is hereby noted that the account has no relevance to us or to our property. There is no signed contract or agreement or any relationship between us and SPS. We have written to both SPS and CFPB about SPS 's absence of authority. SPS has admitted in prior communications that it is NOT the servicer of this account or any account in connection with us or our property ; that SPS has made contractual arrangements with third parties for SPS 's own profit ; that SPS has harassed us ; that SPS has not proved and is unable to prove that we owe any debt. Without proof of specific legal relationship, SPS is an illegal, unlawful " interloper '', without any rights whatsoever. SPS has no authority to " urge '' contact with our insurance agent to advise that the policy should be billed to Select Portfolio Servicing, or to include them as " Standard Mortgagee '', or " ITS SUCCESSORS AND OR ASSIGNS ''. Therefore we ask AGAIN that SPS CEASE and DESIST communication and DELETE this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly stored my financial information. Their negligence has lead to the release of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I include it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to dispute the information currently present on my consumer report. My name is XXXX XXXX, and my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It has come to my attention that there are additional credit inquiries, names, addresses, phone numbers, and employers listed on my consumer report that are inaccurate. These inaccuracies are a result of my nonpublic personal information being shared by financial institutions with consumer reporting agencies without my written permissible purpose or a court subpoena, which is a violation of the Fair Credit Reporting Act. 
In compliance with the Fair Credit Reporting Act, obtaining a consumer report on an individual is only permissible if the consumer is explicitly informed in writing, or by mail within three days from the credit inquiry date, that an investigative report may be generated for them. The individuals listed below failed to furnish written disclosures to me, and I request the prompt removal of these unauthorized inquiries from my records. 

XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  TransUnion I kindly request the following actions : Delete these unauthorized credit inquiries associated with my consumer report immediately and permanently. 
Delete all other names, addresses, phone numbers, and employers listed on my consumer report. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Student loan

I uploaded documents pertaining to my Public Service Loan Forgiveness status and still have not received an update. Documents were uploaded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and still have a processing status. I have emailed and called MOHELA several times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire about my status and no one has given me a clear answer. These documents include a XXXX and offer letter from an organization that no longer exists, because I was told by a MOHELA rep that I would need to submit this documentation in order to receive credit. At this point, I believe I should be eligible for forgiveness for part of, if not all of my loans. My fear is that I will have to pay on loans that should have been forgiven already.
Product: Debt collection

I got a letter from a Debit Collecter Service stating that they received a request from First Citizens Bank to collect a debieof a {$100.00} for a return check. I contacted the bank on XX/XX/2018 asking them to give me some details about the check since I know that I have not authorized any check to any individual or Business. The bank refused to give me any details. 
I don't understand why the bank collecting a debit of so called Return Check on some else behalf? 
I need to know who authorized that check.
Product: Mortgage

I had an open complaint with the CFPB regarding my loan with Wells Fargo. I reviewed their response via your web portal in which they stated they were unable to reach me. The response infuriates me, because Wells Fargo DID NOT act in good faith to allow sufficient time for me to respond to a call. When I spoke with an agent, XXXX XXXX, in the office of the president, she maintained that the responses were, in a word, canned responses, and that the " CFPB knows what we mean when we say we are unable to make contact. 

As a consumer, I find it appalling that a company like Wells Fargo can get away with providing false and inaccurate information to a branch of the federal government, and if it is true that the CFPB " knows what [ they ] mean '', I do not understand how it is possible that the CFPB is protecting consumers. It would seem that the CFPB is catering to the lenders and agents who are abusing consumers rather than taking these lenders to task over false and/or inaccurate information. 

When I asked Wells Fargo to provide a clarification letter, they stated they would n't because that was not how the " CFPB wants [ them ] to communicate. '' Again, it would seem like the agency tasked with protecting consumers prefers to have inaccurate information provided to it versus forcing the lender or company to be truthful in their statements.
Product: Mortgage

I received an Escrow summery from Freedom Mortgage Company on XX/XX/XXXX showing they were increasing my monthly mortgage payment due to insufficient funds in my escrow account. They were stating I was short {$1900.00} and will be increasing my mortgage payments an addition {$300.00} a month starting XX/XX/XXXX. I reviewed all my statements and the summaries they provided and found there should be {$660.00} surplus. I have contact them twice now trying to get this resolved but they refuse to review this error. I have created a spreadsheet showing what was reported each month on my monthly statements and what they reported on their yearly summery reports. There are 2 months every year since XXXX no funds were entering my escrow account. Every month I receive a bill statement showing a specific amount going to the escrow account to include the missing months on their summery. I would request an immediate review of this account and an official letter of apology once they correct these funds.
Product: Money transfer, virtual currency, or money service

The XXXX was issued to this company and with singed PO from the dealer this should have been accepted as a barter exchange these instruments was to release the goods as it relates to the vehicles. 
Case Number : XXXX Dear XXXX XXXX , GM Financial has received your complaint sent to the Consumer Financial Protection Bureau ( CFPB ). I have reviewed your concerns and would like to offer the following response. 
We would like an opportunity to address your concerns ; however, with the information you have provided, GM Financial is unable to locate an account or application for credit. At your earliest convenience, please provide your full GM Financial account number or social security number. 
Upon receipt of this information, we will research this matter. 
Should you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ( XXXX ) XXXX. Our hours of operation are XXXXXXXX XXXX to XXXXXXXX XXXX CT, Monday through Friday and XXXXXXXX XXXX. to XXXXXXXX XXXX CT on Saturday. 
Sincerely, XXXX XXXX. 
XXXX XXXX. 
XXXX Department | Complaints ( XXXX ) XXXX | ( XXXX ) XXXX ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

I begun making payment twice a month, and sometimes every 10-15 days within a month to lower my interest rate. This loan is based on accrued rate, so the interest should be about {$9.00} per day between each payment. I made a " Principal Only '' payment in XX/XX/2023 along with three other payment. Westlake took interest out on each payment as varies amount. My objective is to lowest my interest rate by paying every two weeks and making Principal Only payment, however West Lake is using shady math to acquire interest amount acquired for monthly payments. I am unable to make over the phone call in payments, I was told by a representative a payment was returned in XXXX and that is why I'm unable to make over the phone payment. I have never returned a payment. Also, after my down payment, my balance was {$19000.00} West added MotorTran and Service protection plan in the amount of {$1900.00} but on the documents it was doubled in cost. I request a copy of the loan agreement at the car dealer ship but the information was unreadable. My credit score was over XXXX when I purchase this car. I should not have received the interest I received, but because of the inaccurate information lingering on my report for XXXX  XXXX this is what I'm faced with. I should not be held to these tactics when making on-time payment and in good standing with an auto loan. West Lake Financial has failed to provide accurate information to all three credit reporting agency of correct balance and payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), 15 USC 6802, and 12 CFR 1006.34 ( c ) for your antisemitism, character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade pursuant to 18 USC 247 ( a ) ( 2 ).
Product: Student loan

I have been, and continue to be, adversely impacted by Navient misreporting and inappropriate billing practices. Forbearance was encouraged on multiple occasions having been applied to original loans with Salle Mae without my authorization. I have been enrolled in an income-based repayment plan since XXXX. I re-submitted paperwork for this plan prompting me to investigate the status of my application. According to the Federal student aid website, my loans show forbearance status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. My servicing institution shows now as XXXX  no longer Navient. The change to my loan was never reported to me by Navient, repayment months status shows as N/A and months in repayment N/A. I have not been able to clarify what the status is nor was I notified of any change. 
My original loans incurred with Salle Mae for medical school. During my medical residency training, immediately following my medical school education, I was not able to begin repayment on my loans due to financial hardship. Initially, my loans were incurred with Salle Mae and eventually acquired by Navient. I was never provided Income based repayment as an option when with Salle Mae and was encouraged to accept forbearance with Navient when my loans were acquired. My original loans were consolidated into a FFELP loan which has grown from XXXX to over XXXX while with Navient. I have made multiple attempts to deifier the fees and changes applied to no avail. 
When my Salle Mae loans were acquired by Navient ( XXXX ), a Navient private loan representative informed me that my private loans would be handled differently with Navient. I was told it would be in my best interest to make the one time only lump sum payment to take care of my private loans. I made the requested payment, just under {$30000.00}, to have the private loans discharged. I made this payment and requested documentation and was never provided supporting documentation for that transaction. In XX/XX/XXXX I received an email stating I had a message in my Navient inbox. I was sent the 1099 forms related to my private loan dischargeable amounts required for IRS reporting purposes. But no other documentation. Days later, I contacted Navient requesting private loan discharge supporting documentation specific to the 1099 forms received and was told I would be sent that documentation. To date, I have not received the paperwork related to the private loan discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

While employed at Bank of America, I made contributions to a Health Savings Account ( HSA ) during XXXX. I was fired from Bank of America on XX/XX/XXXX. 
On XX/XX/XXXX I logged on to the Health Benefit Solutions website ( https : //benefitsolutions.bankofamerica.com ) and saw that my HSA account has been charged a " maintenance fee '' of {$4.00} per month, beginning on XX/XX/XXXX. 

I called Bank of America Health Benefit Solutions, where a representative told me that my HSA status migrated from " Group '' to " Individual '' when I was fired, and as an " Individual '' I was subject to this {$4.00} per month " maintenance fee ''. This fee supposedly covers expenses for Visa debit card transactions and the mobile app. When I asked to speak with a Supervisor ( XXXX, Agent ID XXXX ), I explained to her that I was never notified of this fee. Moreover, my account has not been " active '' in terms of generating new transactions, so I see no valid explanation for a maintenance fee over this time frame. XXXX said she was unable to waive the fee unless I had a private wealth management account with Merrill Lynch.
Product: Credit card or prepaid card

During the holiday season of XX/XX/XXXX, I have made several jewelry purchases from XXXX  's Department store. Later in the month, I chose to return my purchases. It was n't until I received my monthly statement in XX/XX/XXXX that I realized that my returns were not properly allocated to their correct account. XXXX 's has two accounts : 1 ) a Regular Account ( that bears interest ) ; and 2 ) a Club Account ( that defers interest for 1 year ). I made 3 returns with the same XXXX  's employee on the same day. All 3 of these returns should have corresponded to purchases I made to my XXXX 's Club Account ; however, 1 of the returns was credited to my Regular Account, while the other 2 were misallocated to other items in my Club Account. When I identified the problem I immediately contacted XXXX 's at XXXX 's Customer Service to explain the situation. The agent assured me that they will resolve this issue, but that I wo n't see it on my statement for 1-2 billing cycles. I waited 2-3 month, but instead of the problem being corrected, XXXX 's had fraudulently charged my account. I contacted Customer Service to tell them that I see fraudulent activity on my statement. Again, an agent told me that they are working on my account and that I wo n't see any changes for 1-2 billing cycles. It has been 1.5 years since the incident and yet my letters to XXXX 's are ignored, no changes have been made to my accounts, no response or attempt to resolve this matter are made by XXXX 's. In fact, instead of rectifying the problem that XXXX  's Employee has created, they fraudulent added charges to my account that I did not make, in addition to interest on said fraudulent charges, and they chose to send my account to credit reporting agencies and have creditor 's call and harass my family and I. I have been with XXXX 's for a long time. In fact, XXXX 's was one of the first credit cards that I have opened. I never had any issues with them in the past ; however, their lack of customer service is deplorable. I am ashamed to have ever opened an account with this company.