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

Hello, I was a college student with a wonderful credit. I went to a car dealership ( XXXX XXXX ) to look at used cars and I didn't find any cars. One of the dealership employees showed me a car that he had outside of the dealership. That he was selling to me personally.I agreed to accepting that car and he continued to run my credit for Navy Federal Credit Union at the dealership on their computer. I was approved for about XXXX dollars. I was able to pick up the check from XXXX XXXX, pay the employee and accept the car. XX/XX/XXXX.  Months later I received a notification stating that I wasn't a member of the credit union and that I needed to provide more information to the bank. I went into the bank, provided multiple proofs of resident information, ID, and more documents. They accepted it, made copies etc. 


Weeks later they're still asking me for information to verify that I am a member. They then told me that I couldn't refinance my car because I wasn't a member. They denied access to my entire profile. I was away at school in New York and couldn't even make payments online so I fell behind payments. I was only allowed to make payments physically. I spoke with a representative over the phone about the situation and they told me to write a letter. I wrote a letter and sent it to them. ( Dated : I stopped paying this institution because I feel like I was manipulated at a young age and it seems like it was an internal scam. Applying for the loan at the dealership, picking up a check days later, weeks later stating that I wasn't a member ) How was I not a member if I was approved for a loan? 

Please help me. I am now in my mid twenties and this is affecting my credit score very badly. I spoke with another representative today XX/XX/XXXX ( XXXX ) in the recovery department. He said I am a member and still need to provide identification? I do not want to be a member anymore. I would like for this loan to be deleted completely and sent to all of my credit bureaus for internal fraud. 


XXXX XXXX ( The car dealership ) XXXX XXXX XXXX XXXX XXXX   XXXX, Virginia XXXX Get Directions Highlights info row image ( XXXX ) XXXX Navy Federal Credit Union XXXX Vehicle ending in XXXX
Product: Debt collection

Wont stop calling my family or my employer harassing them. They have been calling for over a week now. They call from all different numbers but want you to call this number back XXXX. I've spoken to an attorney and he said this is the first step to stop this. If this doesn't work he will take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I now have filed 3 dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

I recently requested and viewed my consumer credit report and disputed an items on my report. Under the FCRA section 605B it is illegal to report any information on my consumer credit report without my permission which is also a violation of FCRA 15 U.S.C. 1681b Permissable Purpose of consumer report. Under 15 U.S.C. 1602 no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION NPI. XXXX, XXXX, Equifax nor XXXX did not have written consent to share any of the consumer 's information. This is also a violation of 18 U.S. Code 1028A - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants XXXX, XXXX, Equifax or XXXX lawful authority to share my NON-PUBLIC PERSONAL INFORMATION with third party entities. If XXXX, XXXX, Equifax or XXXX can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, XXXX, XXXX, Equifax and XXXX must Delete account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # 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: Debt collection

Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   ( XXXX ) XXXX Amount : {$220.00} Debt collection agency : Accounts Receivable Consultants, Inc. 
( XXXX ) XXXX XXXX I have attempted to contact Arc to ask why they are reporting this debt to the credit bureaus each month when the XXXX debt was paid. When the debt was paid and balance satisfied, the account was removed from XXXX and XXXX reports in XX/XX/2017! I am unable to reach anyone on either numbers listed. From the toll free line, the call is dropped and sent to an extension that just rings. Arc is wrongfully reporting this to ONE BUREAU each month.
Product: Mortgage

We received a short sale approval on XXXX/XXXX/16 for {$180000.00}, however on XXXX/XXXX/16, the XXXX mortgage, XXXX XXXX, countered the {$3000.00} payoff for a {$12000.00} payoff. On XXXX/XXXX/16, XXXX XXXX XXXX stated that in order to proceed to closing with the current {$180000.00} short sale approval issued by Ocwen, they 'd need verbiage from Ocwen that they acknowledged the buyers paying off the {$9000.00} difference themselves. 
On XXXX/XXXX/16, Ocwen 's staff stated that we can submit a {$190000.00} addendum to meet the {$9000.00} difference to payoff the XXXX mortgage and it should be underwritten within a week. On XXXX/XXXX/16, we submitted the {$190000.00} addendum. On XXXX/XXXX/16, Ocwen asked for updated proof of funds for the buyer 's {$19000.00} addendum. On XXXX/XXXX/16, Ocwen said they needed a net minimum of {$150000.00}, which reflected a purchase price of {$190000.00} on the HUD and was also {$2800.00} higher than the original {$140000.00} minimum net on the original {$180000.00} short sale approval. 
On XXXX/XXXX/16, we sent the $ XXXX addendum to Ocwen which the buyers reluctantly agreed to in order to just get this over with. On XXXX/XXXX/16, Ocwen said the {$190000.00} addendum short sale was declined. Help us understand why it was declined when we 've met ALL of Ocwen 's demands including a higher required net minimum of {$150000.00}. 
The current buyers are the only buyers that are willing to pay above the appraised value. They want to be done with this and think that it has been a ridiculous process when we just had a short sale approval on XXXX/XXXX/16 for {$180000.00}. Who is going to pay {$12000.00} above fair market value on a home that the bank has on file that it 's worth {$180000.00}? 

I need my home to be sold so I can move on in life and this is beyond ridiculous for what I have been having to go through.
Product: Mortgage

I 'm trying to refinance a home loan. When I originally spoke with the loan company, we discussed a rate that would provide me with a credit big enough to incur no closing costs. Now, the lender is telling me that I may need to bring at least {$5500.00} to closing, and I have a higher interest rate than we originally discussed. I feel that this is a bait and switch on their part. Also, on XXXX/XXXX/16 they told me that I could close on either XXXX/XXXX/16 or XXXX/XXXX/16, and are, as of today, now telling me that I ca n't close then, and telling me that they did n't schedule closing with my Title Company, so it is n't their fault that I may incur costs to reschedule, including taking time off work so that I can sign the papers. Now I ca n't get them to tell me how much money I will need to bring to closing. I feel that they are ripping me off, and know that I ca n't do much about it since I 've already spent money on an appraisal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> CFPB Subject : Proof of Payment for Account # XXXX Dear [ Debt Collector 's Name ], I am writing to provide proof of payment regarding my account with you, as per 15 U.S. Code 1692c. 
Details of the Payment : Payment Amount : {$500.00} Payment Method : DEBT CARD Account Number : XXXX Enclosed with this letter is a copy of the receipt/transaction confirmation for your records. 
As of the date of this letter, the balance on my account should reflect this payment. Please update your records accordingly. 
If you have any questions or require further documentation, feel free to contact me at the information provided above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

I currently have a 30 year fixed conventional VA Loan. 

About 6-7 months ago, my mortgage payment suddenly and without warning, went from around {$1900.00} per month to over {$2300.00} per month. 

Ive called multiple times for an explanation, every time Ive called, Ive been given a different reason for the over {$400.00} p/month increase on a 30 year fixed. 

The latest and current excuse, is its because my homeowners insurance went up. 

Ive called XXXX to certify this MULTIPLE TIMES and theyve literally LAUGHED at me over the {$400.00} p/month increase due to increased homeowners insurance According to Freedom Mortgage, they apparently think its completely sane and normal for home owners insurance to go up over {$5000.00} per year. 

When I call Freedom Mortgage back, per their instructions ( to call XXXX, its a XXXX problem, we just have what they sent ) they refuse to listen to the information Im trying to provide that they requested. 

As of now, Im beginning to feel that this is a predatory lender, exhibiting predatory lending behavior and Im familiar with Feeedom Mortgages multiple lawsuits and settlements for bribes and kickbacks. 

I am a XXXX XXXX XXXX XXXX prior service XXXX. 

I was also injured and wounded while XXXX XXXX XXXX XXXX XXXX and XXXX XXXX under the XXXX XXXX. 

Im about to lose my house. I have multiple dependents with another on the way and this lender refuses to explain how or why they decided to hike my 30 year FIXED mortgage by over {$400.00} or do anything to help like an off schedule mortgage escrow analysis. 

I am exempt from state property tax from being 100 % XXXX. 

I pay my HOA fees DIRECTLY, every year, by personal check. 

I also have my homeowners insurance set to AUTO PAY and AUTO RENEW with my XXXX Savings Account. 

I have no idea where the money Ive been paying into this freedom mortgage escrow account is going or has gone, since the loans inception. 

This has been going on for years and when I call freedom mortgage to have them explain the increase, send a statement, request an escrow analysis, or have my broker call them, theyre extremely rude, unprofessional and refuse to account for where my escrow funds are, what theyre going for, why, or anything useful. 

I assume its because theyre trying to steal my house.
Product: Debt collection

1 ) XX/XX/20 debt notice due XXXX, client progressive insurance. 
2 ) XX/XX/20, paid XXXX toward balance, check # XXXX, new balance XXXX XXXX ) called and explained to me I would get payment reminders on balance, RECEIVED NOTHING 4 ) on XX/XX/20, account was reported to ALL major credit bureaus as a " delinquent collection '' account 5 ) DEMANDING THIS ACCOUNT TO BE REMOVED FROM ALL CREDIT BUREAUS AT ONCE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting Act 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 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

I am a natural person I am a living human being I have rice under 15 USC 1681 Equifax is governed by 15 USC 1681 in the valley in my rights numerous of times I demand the countless below be removed because according to 15 USC I have right to privacy and I did not give equal facts written permission the furnaces accounts. The accounts below I won't remove from my file Accounts XXXX XXXX  XXXX
Product: Credit card

I took XXXX car to airport XX/XX/XXXX, {$5.00}. 
It appears that there is another XXXX XX/XX/XXXX, {$5.00} which appears to be mistake or duplicate as I had only one ride XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and Experian, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, XXXX and Experian, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 
15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and Experian appear to be failing to maintain reasonable procedures. 
Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation I am entitled to a XXXX XXXXper violation plus any other damages i have sustained as a result of your failure to follow the law. I have file more than 1 complaint, willful noncompliance can easily be proven as you had a full understanding of the violations after i complained the 1st time 15 U.S. Code 1681o - Civil liability for negligent noncompliance
Product: Credit reporting

Dear Transunion, I recently received a copy of my credit reports. The credit reports showed payment history of 5 missed payments from the US Department of ED. I contacted the US Department of ED and they were unable to verify the information. I was told by the US Department of ED was not in charge of my Loan, it was XXXX ( XXXX ). I immediately contacted XXXX and they were unable to verify the information. This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the information in my credit profile due to its damaging effects on my good credit standing. Because of this information on my credit report, I have been wrongfully denied credit recently for a home loan which was highly embarrassing and has negatively impacted my lifestyle. 
I called transunion on XXXX XXXX at XXXX and recorded the conversation. I was told by XXXX employees that they do not control the informations that creditors sent them. It was not Transunion job to verify if the informations are accurate or not. I indicated that the phone number listed for the creditor was a non working number and requested more informations to help him verify the informations but was denied. I was offered to put a dispute on the account as a resolution. I informed the rep that it was not helping me because this inaccurate informations are impacting my life. 
The following information needs to be verified and deleted from my credit report as soon as possible : U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX Please delete the above information as quickly as possible. 
Sincerely, XXXX XXXX
Product: Student loan

In XXXX, my husband and I took out loans for school in Pennsylvania. After many deferments and transfers from one service provider to another ( XXXX XXXX, XXXX ) we ended up with PHEAA/AES as our service provider. Since then, we have filed bankruptcy two times and the student loans are still owed. However there are many problems with this. My husband and I were both full-time students from XXXX through XXXX. There wouldve been a deferment were no interest with Charge. They were many years where we filed two separate bankruptcies where we shouldve been on deferment. They never claimed anything when we filed the bankruptcys. Yet they came back to try to collect after. It seems now they say theyre not a federal student loan so we dont qualify to waive our payments as everybody else has during Covid. Yet when it benefits them they claim it is a student loan so it cant be discharged in the bankruptcy. Very conflicting information. I dont understand how we took out a loan totaling {$6000.00} for the two of us back in XXXX and now after many years of deferments, forbearances, and any payments we made that we cant find where they went, they show we owe over {$19000.00}. Where have our payments gone? And why does it show we owe so much for me only took out {$6000.00}. They show the disbursement date is XXXX. That is a mistake. We relocated to Virginia in XXXX. The disbursement date wouldve been XXXX. Since the government has placed into law that student loan payments and interest would be on hold until the end of XXXX, AES started sending letters that we were past due in XXXX. I dont understand how this is possible if this is a federal student loan. Now the government states we dont have to pay loans until XXXX XXXX AES is still attempting to collect. We dont plan to make any further payments until we get some answers on where all the money has gone that we have paid.
Product: Credit card or prepaid card

I called the company in XXXX when I received my first statement. I should not have been charged the annual fee because I signed up for autopay on the day I opened the account. They told me in a couple of days, I would receive the refund. I never received the refund. I called back again and was told two billing cycles, and I would receive a refund of {$39.00}. I also received an email back in XXXX saying XXXX billing cycles from the company. I am going on my fourth billing cycle, and I have yet to receive the refund from the company. Every time I call to ask questions about the refund, I am told someone will follow up with me. First, it was XXXX business days, then I was told XXXX XXXX  and I have yet to have this issue resolved with the compny.
Product: Debt collection

Southwest Credit Systems, L.P. on XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Southwest Credit Systems, L.P., to remove incorrect information off my credit report. More importantly, Southwest Credit Systems, LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Southwest Credit Systems , L.P .
Product: Credit reporting, credit repair services, or other personal consumer reports

One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to MandT bank. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows MandT cashed it as well as my bank statement that shows the withdrawal. MandT reported to the credit agencies, XXXX and XXXX  that my mortgage was past 30 days late. I contacted MandT to get this resolved and have not received a resolution. I filed a dispute with XXXX  and XXXX  and provided proof from my bank and my bank statement that shows the check was cashed 6 days later. 

On XX/XX/XXXX XXXX  finalize their dispute which indicated that MandT   verified that the information they submitted was correct. I don't believe that XXXX reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from MandT bank. MandT bank clearly falsified this information which has now impacted my credit score.
Product: Debt collection

I didn't know about a debt when applying for a loan. I found First Point Collections had filed a past-due medical collection. Once they verified it was mine, I told them I would be happy to pay it, but I wanted the entry removed from my credit reports. They said the most they would do is mark it as paid but not remove it. I would like to pay this bill, then have it removed from my credit.
Product: Debt collection

I defaulted on a student loan from XXXX back in 2018. The debt has been sold to multiple collection agencies since. The Most recent collection agency trying to collect the money, in amount of {$6000.00} is ATG Credit. They refuse to provide any documentation of my signature that I signed a contract/promissory note/financial instrument with ATG collection agency. They are reporting a collection account listed across all credit bureaus ( XXXX XXXX, and XXXX. ) I do not owe ATG money. I have never signed an agreement to repay a loan with them.