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

We purchased a new vehicle in XXXX of XXXX from XXXX XXXX XXXX. We financed it through Compass Bank. We paid it off in XXXX but never received a lien release. The bank never sent the documentation to the state of Missouri 's XXXX either. We have sold the vehicle and the new owner can not title it without the lien release. We contacted the new bank that took over Compass Bank XXXX weeks ago. BBVA-USA could not find any information about our loan or account. We had to send them our contract and title information showing them as the lien holder. They told us they would send the lien release. Jump ahead XXXX weeks and many phone calls later, they tell us the case has been closed and the document was sent through XXXX mail and a copy was emailed. Neither of these things happened. More calls were made, they said it was escalated to the " back office ''. We were told it would be taken care of over and over. Now, XXXX weeks later, we still do not have anything. Friday, XX/XX/XXXX, I spent XXXX hours on the phone with their customer service department in XXXX XXXX. I was hung up on XXXX times. I spoke to at least XXXX people. Every person read from a script. None of them could provide me with a copy of the lien release or the tracking for XXXX. Now, XXXX days later, we have not received any correspondence or returned calls from XXXX different " customer service '' agents. The XXXX will not accept anything we have provided, so we can not help the buyer title the vehicle. I can not get any help. I have asked to speak to an XXXX customer service center, and it does not exist. I tried calling the branch in XXXX, Alabama, and I was hung up on XXXX times. I spoke to XXXX person in sales that transferred me back to XXXX XXXX. I am going to have to return the money for the vehicle I sold, because XXXX will not do their job. Additionally, we will have to file a case against them in court to obtain a notarized lien release that is required by law in the first place! This bank should be investigated by a government agency due to the number of complaints with the BBB involving lien releases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX
Product: Mortgage

Company : New American Funding Mortgage Loan Officer : XXXX XXXX XXXX XXXX VA Mortgage Closed : XX/XX/XXXX Summary : Lender incorrectly disclosed annual property taxes during loan processing and upon closing of our mortgage. Six months after closing and moving into our new home, New American Funding discovered its error and passed the burden of the shortfall onto us. We are bearing the responsibility for their mistake. 


We closed on our VA mortgage with New American Funding ( NAF ) on XX/XX/XXXX. On XX/XX/XXXX, NAF ran an analysis of our escrow account ; they discovered they had incorrectly calculated the annual property tax information when creating our loan estimates, closing disclosure, and subsequent mortgage and note documentation. 

NAF notified us that an additional {$310.00} would be added to our mortgage payment every month, for as long as we own the home. Additionally, because the escrow account had been shorted every month since we moved in, we would need to pay another {$270.00} every month for a year, to correct the shortage created by their error and the hardship would be passed on to our family. When initiating the original loan process, we tried to be responsible and buy a home in which we would be comfortable with the monthly payments and had a specific budget in mind. With this new additional payment, this home is now out of our budget. If the correct payment of our mortgage had been disclosed at any point during the loan process, we would have searched for a different home to fit within our familys budget. 

After numerous conversations, New American Funding did concede to cover the back shortage ( {$270.00} x XXXX = {$3200.00} ) ; they consider the matter settled. I told them I did not consider this matter closed because we are still expected to pay an additional {$310.00} every month, which is {$3700.00} per year or {$110000.00} over the 29.5-year life of the mortgage from that point.
Product: Debt collection

my information was used to open credit accounts in my name without my consent. Ive been a victim of the XXXX XXXX XXXX which exposed my personal information as well making it easy to be victimized of identity theft. These accounts listed below were obtained and tried to be opened without my consent. My information was sold and bought illegally because I was a victim of the XXXX XXXXXXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Also It Appears That These Items On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099, Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship. 
TransUnion FRAUDULENT Accounts XXXX XXXX XXXX XXXX XXXX ( {$42000.00} ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) FRAUDULENT Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This Bankruptcy isn't mine! Please REMOVE it immediately.
Product: Mortgage

My mortgage loan has been serviced by XXXX since XX/XX/XXXX - Exhibit XXXX. Prior to that, the servicing was assigned to CitiMortgage. While the loan servicing was handled by CitiMortgage, I filed a Chapter XXXX bankruptcy - Case # XXXX. Per the bankruptcy trustee 's disclosure, all mortgage payments in arrears ( {$15000.00} XXXX were paid through the plan - Exhibit XXXX. " Notice of Final Cure Payment '' was sent to CitiMortgage XX/XX/XXXX describing the same - Exhibit XXXX. 

Per the discharge of my Chapter XXXX Bankruptcy plan, my mortgage loan was current prior to the service transfer XXXX. XXXX issued notice that the account was past due {$3200.00} as of XX/XX/XXXX - Exhibit XXXX. XXXX refused to acknowledge and investigate the claim and payment history with the bankruptcy trustee. After further investigation on the CitiMortgage payment history, I found that XXXX payments were reversed totaling {$5800.00} - Exhibit XXXX. CitiMortgage has refused to acknowledge my requests to investigate the reason for the accounting reversals - Exhibit XXXX. 

Per the FDCPA, both XXXX and CitiMortgage are required to investigate any debt dispute within a matter of 30 days. XX/XX/XXXX XXXX issued a Default Notice and threatened to foreclose - Exhibit XXXX. The notice of default " NOD '' has a payment demand listed at {$4600.00} -- which was paid via cashier 's check -- Exhibit XXXX. XXXX has been cited in the past for escrow distortion, mortgage fraud, RESPA violations and illegal foreclosure on a long list of federal lawsuits. This case obviously fits in the same group. Based on my calculations, CitiMortgage is liable for a {$5800.00} refund and XXXX is liable for {$4600.00} refund. Since XXXX parties have ignored my requests for a voluntary refund, I am seeking your assistance on this matter. You can reach me via email XXXX XXXXXXXXXXXX.
Product: Checking or savings account

I had went to Suntrust banking back in XX/XX/2018, I had issues with a merchant making unauthorize debit from my checking account. They changed my card. After receiving the new card, some how they was still able to continue debting my account. I went to speak with the manager about my account, and the decision was to suspend account temporarily and watch the accounts. I ask the manager what will be the best action to take and the decision was to suspend the card. while the was suspend the merchant would try to debit account four to five times daily. After two month the manager decisison was to unblock the card, and stated that the bank would put a security alerts on the account so the merchant could not debit card anymore. The card was unblock and the merchant took all my disability income. I filed several claim with Suntrust Bank, after long time waiting for respond the claim was denied because of inconsistencies. What ever that mean. The should have never unblocked the card, I should have been reissue a new card.
Product: Credit reporting or other personal consumer reports

i have reviewed my credit reports and notice there is inaccurate late payments reporting to each credit reporting agency. name of account XXXX XXXX XXXX XXXX late payments reporting on the same day, but different days late. I am certain that i was never late on these dates. i am XXXX XXXX XXXX an looking for help to investigate this matter Account Name XXXX XXXX XXXX Account # XXXX Dates reporting inaccurate XX/XX/year> 60 days late XXXX XX/XX/year> 30 days Late XXXX XX/XX/year> 30 days late Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a request to Experian for my consumer disclosure for the Experian Asset Verification solution. Instead of sending my Experian Asset Verification consumer disclosure they indicate they have sent my Experian credit report. 

Experian Asset Verification advertises that they are FCRA compliant as their website indicates : " It is also the only solution in the market to be fully FCRAcompliant and adhere to credit bureau reporting and dispute processes. '' Their website indicates : " With the click of a button, borrowers can give permission to access their financial accounts, including checking, savings, 401 ( k ) and brokerage accounts. '' My Experian Asset Verification consumer disclosure would show if anyone has been clicking the button. 

Their website also indicates : " With coverage of 80 percent of financial institution accounts in the United States, lenders can verify assets for millions of borrowers. '' My Experian Asset Verification consumer disclosure would clearly show which of my accounts where they have coverage. 

See attachments.
Product: Student loan

I am writing to express my frustration regarding my student loans, which were originally with XXXX during the XXXX payment pause. Despite the pause, interest continued to accrue on my loans for the entire three years, resulting in an increase of nearly {$8000.00}. After XXXX sold my loan to Mohela, I found that there are no records of this issue, leaving me in an even more challenging financial situation. I feel stuck in a cycle of increasing debt with no support or resolution in sight.
Product: Mortgage

Received a letter in the mail on XXXX XXXX, 2017 from FEARON FINANCIAL, LLC claiming we applied for a home loan but the property in question was sold a while back. i have not contacted them with regards to this letter & DID NOT apply for any loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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

To whom it may concern, I am applying for PSLF with Mohela. Due to national litigation, Mohela placed my loans in an administrative forbearance in XX/XX/year>. The loan remains in forbearance status. I have tried many times over the past few or more months to get through to Mohela and potentially restart payments. My username and password are not recognized for some reason, despite my resetting the password ; therefore, I can not troubleshoot online. I have tried calling many times and each time the wait time is >5 hours. When I finally get through ( twice ), the call was immediately disconnected or the agent immediately transferred me to another department where the recorded wait time was another 5 hours. So, I am left with no way to access my student loan status for months or contact Mohela about repayment. Thank you for any advice or help you can provide. XXXX
Product: Mortgage

I continue to have problems with XXXX XXXX XXXX and Quality Loan Service in XXXX XXXX. Their latest move is to reschedule a foreclosure sale to XX/XX/XXXX but they have scheduled it to be held in XXXX, CA, instead of XXXX XXXX, CA, which is not what is stated in the NOS. This is a violation of CA Civil Code 2924g. In addition, I have been unable to locate where notice of the sale has been published. In addition, they dates on their website as to the dates of the NOS and NOD are incorrect.
Product: Debt collection

I have a derogatory remark just on my XXXX  credit report from Portfolio Recovery Associates, LLC that I want removed immediately. XXXX  and XXXX  removed it due to is being a lie once I disputed it. For some reason XXXX  will not remove it and I have filed a dispute 3-4 times. The original debt was with XXXX XXXX for {$190.00} with a credit limit of {$200.00} and that was a secured credit card with a {$200.00} limit that I paid for before even getting that card. So once I closed that account that {$200.00} I gave them for a secure line of credit wiped that debt out. They actually owe me money, {$7.00}. Portfolio is saying I owe them {$190.00} which isnt even the same as the XXXX  XXXX balance which also says I owed them {$280.00} from the letter Portfolio sent me and they also claim I only had a {$99.00} security deposit and once they took that off it too my balance to {$190.00} which is less than what Portfolio says I owe them. Its all a lie to collect money that I already paid. There is a lot of discrepancies in their letters. I know I paid this account off and I want it removed from my XXXX  report ASAP. Also, once Portfolio Recovery bought this account my contract with XXXX XXXX was voided. That alone should be grounds for removal immediately. Either way, debt was paid with deposit and my contract with XXXX XXXX is voided. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of report ; 1 ] In accordance with the fare credit reporting act this creditor has violated my rights, under 15 USC 1681 section 602, states i have the right to privacy.

15 USC 1681 Section 604 A section 2, also states a Consumer reporting agency can not furnish an account with out my written instruction.

Under 15 USC 166 B, a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

I have hired a credit repair service to help in this situation, unfortunitly this has been a long and expensive process. XXXX XXXX XXXX. I have recently had to cancel service.
Product: Prepaid card

I filed a previous complaint with you in XXXXXXXX XXXX. 
States company settled but did not. On XX/XX/XXXX DE removed the funds again for almost XXXX for 3 unauthorized charges. After contacted you they finally gave me provincial credit at beginning of XXXX. I went to check balance on XX/XX/XXXX to find they removed money again. I called and they said they were just now reaching out to company for them to refund the money. They said they were taking thier refund until the company responds! Said they will have it settled by XX/XX/XXXX. I now have paid overdraft charge with bank and CC payment due to this. I want compensated for those fees as well. I am looking to join a lawsuit to recover my losses. I did everything that was asked. Reported the loss within hours of this happening. This is not the 1st time this has happened and I never recovered my funds the last time. This is rediculous. The represents even said she would note in my acct this has caused a hardship! Of course it has!
Product: Debt collection

Spoke to XXXX XXXX for {$460.00} for XXXX and I do not have. Live in a private community that provides free cable with XXXX XXXX. Spoke to them on XX/XX/19 and explained situation and would not listened to me. Called again this week at XXXX spoke to a XXXX XXXX and settle on account for {$250.00} to be taken off my credit and to send me a letter showing this. Number makes a weird sound now and they got the money and never sent letter to me email or took collection off my credit. I proof that I made payment of {$250.00} to settle and get my credit situation corrected.
Product: Checking or savings account

on XX/XX/2022, i went to a branch to opened a checking account with XXXX XXXX, i deposited my work check of {$800.00} dollars, the funds were deposited and i could see those funds when i log into my account, i was told i would received a debt card in the mail 5-7 business days after opening the account, today is XX/XX/XXXX and i have not received a debt card, my rent was due on XX/XX/XXXX and now i'm late and was charged a {$58.00} late fee from leasing office and a notice to evict, i work overnights long hour shift, so that made it difficult for me to go inside a branch to load cash. 

each day i called the wait time exceeded 30 mins and call just looped over and over, finally today XX/XX/2022 i spoke with different customer service reps with 5th third and was told the debt card was sent out on XX/XX/XXXX and it will take 5 - 7 Biz days, yet i opened the account XX/XX/2022. 

I believe 5th third is holding my money XXXX and i urgently need access. 

i can not pay my rent, i cant buy gas or food, because i have no card to pull money from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : " XXXX XXXX XXXX '' Account # : XXXX XXXX XXXX XXXX does NOT have written authorization from me to pay any debts on my behalf. Therefore ; in accordance to 15 U.S.C 1681 Section 604 A Section 2, their " collection '' is a form of illegal activity for which I will not be financially responsible for.
Product: Credit card or prepaid card

I have a Voice credit card through Huntington Bank, they mailed balance transfer checks to my address on file With a promotion of 0 % interest for 12 months. I used this for this first time on XX/XX/XXXX for $ XXXX- Huntington did honor it but it seemed to cause concern because since I have continually received calls from fraud prevention during my working hours to verify transactions. Huntington has been informed I am unable to take or make personal calls while at work. Therefore to set the record straight and make sure there is complete clarity and transparency, I want to inform Huntington bank that I have viewed all my transactions up to XX/XX/XXXX including the following pending transactions ; -XX/XX/XXXX. XXXX - XX/XX/XXXX Balance transfer for {$1800.00} These are all authorized transaction. Did I make myself clear enough..? Let me reiterate ; All transactions currently or pending as of XX/XX/XXXX are authorized by me. If Huntington is reckless enough to deny that balance transfer, it will cause be harm and it would be a violation of our contract. A reminder that this is a contract of Adhesion, meaning I have had no say to the terms, Huntington created these terms therefore If Huntington violates those said terms I could and likely would claim an Anticipatory Repudiation of the contract. <P/>Further, I have informed Huntington Bank that it has always been my policy for all correspondence to be done in a way that both sides has a written or recorded record to insure accuracy and since Huntington refuses to provide me with a copy of recording. I insisted all communication can be done via any written method ; Email, USPS, even Huntington 's own internal Chat system or message platform. However and somewhat incredibly Huntington seems to refuse to allow me with any documented record of any correspondence. From past experiences only entities with something to hide or knowingly violate agreements take that stance. XXXX XXXX is a great example ... <P/>With that said, I find it very strange and an admission of guilt that Huntington bank is again providing a written document of correspondence. If Huntington Bank has any further questions they have my email address if they want to do this via Phone then we can set up a conference call with my attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.