23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Like like to be given a correct date of the XXXX of {$1400.00} and {$6500.00}, to be XXXX to my checking account? 

And a letter sent through my MOHELA account explaining the reason for the delay being that they were already paid by the Federal Student Aid for my loan back on XXXX XXXX XXXX? I would like a letter from them, as to the reason why I didn't received the payment of {$6500.00} plus {$1400.00}, according to the letter dated XX/XX/XXXX, this was suppose to be ACH to my a checking account by XX/XX/XXXX. 

I have tried o many occasions to follow back up with the supervisor XXXX XXXX ext XXXX ( left message, no return call ) and know her phone is disconnected. 

My revised effective date of forgiveness is ( XX/XX/XXXX ), which was resolve when I spoke with another supervisor on XXXX confirmed, both payments to be ACH by XX/XX/XXXX Also, left messages on voice for the CEO XXXX ext XXXX and the XXXX XXXX XXXX ext XXXX and neither one returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compAny CFPB has access to my private bank account records and a accounts that don't belong to anything having to do with my rental properties. You have invade my personal banking records.
Product: Credit reporting or other personal consumer reports

Im announcing that I will be filing federal lawsuit against XXXX  XXXX XXXX  and XXXX XXXX XXXX are violating my federal consumer rights.You are violating Title 15 USC 1692gIm creating a paper trial for my federal lawsuit.Which I will be filling aganist XXXX XXXX XXXX.I will also file complaints with financial agency which licensed them to be a bank I asked for the original credit card agreement with terms and conditionsIm asking for statement history for the history of the account.I want all the statements for the history of the account.Since they dont want release it.I will file a lawsuit ask for legal discovery get a subpoena.Then subpoena documents and names of people.Who are handling the disputes to court.I will also subpoena the CEO of XXXX XXXX XXXX  and XXXX XXXX XXXX to court .So they can hear the caseXXXX XXXX and XXXX XXXX XXXX to courtSo they can hear the cardsIm not joking Im going to get what I want and needYou cant do what you want to people
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan through River Valley Loans in XX/XX/XXXX during a desperate time where we could not function in our daily lives without financial help. I took a loan for {$700.00} that was to be paid back in payments of {$200.00}. I knew I would be paying about double the loan in interest. When I saw that my loan had been paid back via automated payments from my bank and had now almost been paid double, I checked to see how many more payments were due since they are taking the money every paycheck instead of once a month... They will be taking auto payments until XX/XX/XXXX, twice a month. I pulled up the paperwork thinking it was an error only to see that they are charging me 633 % interest on the loan. I am paying 5x my loan amount just to be able to get some groceries... 

I was not aware of this. I called them on XX/XX/XXXX to find out what was happening and fix the error when they told me it was correct and all of this had been explained to me during the application process over the phone. However they are " explaining it '' to people is not clear. I work in finance and would never have agreed to a loan that charges me THOUSANDS for a less than {$1000.00} loan. I read other reviews from fellow consumers saying they either got stuck with an outrageous payoff amount, or didn't know the loan was predatory until they got their final paperwork and shut the process down. River Valley Loans does not explain it on the phone like they claim. Now, unless I threaten bankruptcy and them getting nothing from me, they will not reduce my interest or payments in any way. I have explained that this loan issue is now adding to a potential bankruptcy issue for my family as I am being overdrawn in my bank account every paycheck for issues like this loan. These lenders do not care that they are predatory, they just want a signature. This is not right to take advantage of the American people this way. They need to be investigated. There are hundreds of similar complaints with this company. I only wish I had seen them sooner...
Product: Mortgage

Wells Fargo policy to pre-date updates to mortgage process so they can list as borrow delinquent delay when posted. 
Wells Fargo policy to allow underwriters to issue updates to mortgage terms in the names of the originators without notifying the originators or the borrower. 
Wells Fargo policy to request new borrower information every few days to delay loan processing. 
Wells Fargo policy to use data provided with the original loan application to justify a " bait-and-switch '' loan on the day of closing. New loan terms doubled the down payment and increased the percentage over 2 % on the day of closing. 
XX/XX/2019 increased loan down payment by {$2200.00} because " loan to value '' changed. The only change was a concession from the seller of an additional {$2500.00} as a result of a home inspection. The reason was not conveyed to the borrower until XX/XX/XXXX, and then only because of numerous emails and calls from the borrower. 
XX/XX/2019 ( day of closing ) increased down payment by 100 % and added over 2 % to the interest rate. This information was only provided because of numerous telephone calls from the borrow requesting information on why Wells Fargo had NEVER contacted the closing agent. 
Wells Fargo policy to lie to borrower and to withhold communications. 
Wells Fargo policy to use internal investigations to establish new lies to try and justify previous lies and non-communication.
Product: Credit card

Received a credit card in mail and I never activated it. Then received email on XX/XX/year> stating that I have an account. Then called, on XX/XX/year>, the card company to close it. They did and started an investigation. But they told me it was used in XXXX  for {$500.00}, XX/XX/year>, and I live in XXXX XXXX.
Product: Credit card or prepaid card

According to FCRA, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and 1681i ( 5 ) ( A ), credit bureaus are required by law to have verifiable proof of any account you list on a credit report, otherwise, anyone with the ability to report to you could fax, mail or email in a fraudulent account. I demanded to see proof for the listed accounts and was NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). So I advised that under 1681i ( a ) ( 5 ) ( A ) " If... an item of the information... can not be verified, the consumer reporting agency shall... promptly delete that item of information from the file of the consumer. '' According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), creditors are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. They must provide this request no later than 15 days after receiving this request for that description according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). In the results of their first investigation, they stated in writing that they verified '' that the items were being reported correctly. 

1 ) Who in your company verified these accounts? 
2 ) How did they verify them? 
3 ) Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation. 
4 ) Include the documentation that was used to verify the dispute. 

They have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. So I advised that under 1681i ( a ) ( 5 ) ( A ) " If... an item of the information... can not be verified, the consumer reporting agency shall... promptly delete that item of information from the file of the consumer. ''
Product: Checking or savings account

The attachment is being submit to the compliant that was file on XX/XX/XXXX /these evidence document support the fact and needed to be review by the bank and department ( FDIC XXXX this document was issue in XXXX from Senior Vice President XXXX XXXX XXXX the TD Bank XXXX. these supporting document will show that the XXXX did indeed have overdraft pretention service since XXXX went they first open that account at TD Bank. that was offer by the vice president and the represent of the TD bank. .The compliant on XX/XX/XXXX. # XXXX These document go with that compliant that was file Last week. about this the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act Convergent Account # 1234, 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: Student loan

As a result of the ongoing COVID forbearance, I'm now considering pursuing forgiveness through the PSLF program. During the COVID forbearance, I went back to school and enrolled full-time. I was also working full-time at a PSLF-eligible employer . I asked Great Lakes to remove the in-school deferment on my account and they said that they can not remove the in-school deferment status since it has already ended. I am frustrated because I want that year of non-payments to count towards PSLF like it would had I not gone back to school.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is a credit reporting from the student loan company XXXX. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by XXXX points with equifax, XXXX, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. XXXX should have been properly handling my payments to avoid this.
Product: Money transfer, virtual currency, or money service

They wont let me connect my XXXX account to my PNC bank account. Im tempted to bank elsewhere and In the meantime will have to figure out how to fund my bitcoin wallet for investing. Banks should make things easier, not harder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. 

15 usc 1681a ( 2 ) ( A ) ( i ) specifies transactions and experiences are EXCLUDED from my consumer report.

EQUIFAX is securitizing consumers data yet refuses to follow the FCRA. Said company is liable under the SEC follow certain rules. EQUIFAX commission file number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX reports {$470.00} XXXX  reports {$0.00} equifax reports {$240.00} they are reporting 3 different dates of last payment on my report XXXX and XXXX are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look on the 2 year payment history equifax is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Product: Credit card or prepaid card

SoFi advertised 3 % cash back for SoFi XXXX members with direct deposit on their app. 
I applied by tapping on the promotion. I am qualified for the promotion according to the Terms and Condition of the promotion. ( Got and used the card before XX/XX/XXXX, have multiple direct deposits from my employer ) After a few transactions I notice it's showing 2 % cash back. 
I reached out to the SoFi credit card phone support, they didn't give me an answer. They said they will open a ticket. I already called them 3 times in a months for followup regarding the ticket they opened. They didn't give me any answers. 

It's been a month, it's still showing 2 % cash back. 

This is false advertisement and it should be illegal.
Product: Credit reporting or other personal consumer reports

XXXX reported payments late while going through housing assistance through CARES ACT. When contacted they said there is nothing wrong and that they don't know anything about CARES ACT I have filed another complaint with CFPB and they seem to have done a real attempt to investigate but turned up wrong information. They claim my relation with XXXX  has ended in XXXX, XXXX and so my CARES protection has ended than to. However that is wrong, XXXX themselves sent me a letter confirming that it has ended on XX/XX/XXXX. That lines up correctly, as the last payment was issued on XXXX, XXXX and my communication with them went on through XX/XX/XXXX. Please see attached evidence.
Product: Vehicle loan or lease

My vehicle was taken from me by Westlake Financial. I have never missed a payment. It's now at auction in XXXX, 3 hrs from my home.
Product: Student loan

Nelnet student Loan account XXXX has reported inaccurate information on credit reports. Report states I have 7 missed payments during the period of XXXX. During this period, I am protected by The department of Education 's covid 19 student loan forbearance program. There were no payments due at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times incorrect/fraudulent information that has appeared on my Experian /XXXX  credit report. I have ask to provide documentation of the alleged debt which has not been provided to me. I hired a credit repair service to help obtain information that at the point was still not provided. I have four accounts on my credit report that I have been opening up disputes and requesting that those items be removed from my credit report. To this day nothing has been updated nor have I received documents of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both XXXX XXXX and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. XXXX XXXX, XXXX, XXXX, and Equifax all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- No Response! It has been well over 30 Days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit collection agency reporting medical bill due. I did not have a XXXX XXXX XXXX XXXX XXXX bill this year. They show I had charge in XX/XX/2022. I have medical insurance anytime I go to XXXX. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will attach my FTC Identity Theft Report, driver 's license and SSC. I am a victim of Identity theft. This has happen to me on multiple occasions. I've tried contacting Transunion multiple times but they won't help me remove those fraudulent inquiries. I've done everything in my power to get this done so me and my family can move forward. With the whole COVID-19 pandemic going on, we don't need this additional stress.
Product: Debt collection

There have been several credit disputes filed within  XXXX ,  XXXX ,  XXXX  as well as direct t o Portfolio Recovery Associates.  On  XXXX   XXXX  &  XXXX  ( via certified mail ) I have requested an Original Signed Consumer Contract required by Sectio n 609  of the FAIR CREDIT REPORTING ACT,  Portfolio Recovery Associates faile d to provide me valid proof. I also requested proof to be sent o f Portfolio Recovery License  to collect debts they failed to comply with request. Due to  Portfolio Recovery Associates fa ilure to comply on  XXXX   XXXX  , 2017 an  " GENERAL AFFIDAVIT '' was sent certified mail to be placed as record see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report onXX/XX/XXXX2021. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.
Product: Debt collection

More information on complaint XXXX THIS IS NOT A DUPLICATE Complaint You clearly stated nothing is owed to You... so why are reporting negative information to my consumer an coming after me for alleged debts not owed to you lawfully You have also my rights to refuse this alleged debt.. once again i refuse this alleged debt I demand you cease contact through all Mediums including my consumer report an any no affiliated 3rd parties you may only contact me to inform the debt has been XXXX through the CFPB XXXX. Again you gave non verified or validated this account. You have clearly told me exactly what I have been saying I owe you nothing I have not done any business with this company I have a right to refuse debts pursuant to 15usc1692c.. FOR THE RECORD ONCE AGAIN I REFUSE THIS ALLEGED DEBT I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. Only contact via cfpb portal or via email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$660.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XX/XX/XXXX {$4000.00}, XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX XX/XX/XXXX {$2500.00}. XXXX : XXXX XXXX  XX/XX/XXXX.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, XXXX Santander Consumer USA Inc . 
Attention : Customer Service XXXX XXXX XXXX XXXX, TX XXXX **Re : Response to CFPB Case No. : XXXX **Santander Account No. : XXXX Dear Sir or Madam, I am writing in response to your letter dated XX/XX/XXXX, regarding the above-referenced CFPB case and my account with Santander Consumer USA. I appreciate the time taken to review my concerns and provide a response. 

After carefully reviewing the information you provided, I would like to address the following points and request further clarification on some matters. 

**1. Clarification on the Interest Rate and Loan Terms : ** While I understand that the interest rate on my contract is based on various factors, including my creditworthiness, I would appreciate a more detailed explanation of how the rate was determined in my case. Specifically, I would like to know if there were any specific factors that led to the APR on my contract being higher than expected or compared to other similar loans.

**2. Allegation of Unfair Treatment : ** I maintain that I was not treated fairly in the approval and servicing of this loan, particularly regarding the transparency of the contract terms. I would appreciate a more thorough review of my complaint, as I believe that there may have been an error or oversight in the origination of my loan that needs to be rectified.

**3. Opportunity to Refinance or Modify Terms : ** While I understand that Santander does not currently offer refinancing, I would like to formally request any available options for modifying the terms of my loan or seeking assistance with lowering my monthly payments. Given my current financial situation, I am seeking any relief options that could be made available.

**4. Previous Correspondence : ** I acknowledge the letter dated XX/XX/XXXX, and the information regarding filing a complaint with the New Hampshire Banking Department. I will certainly review that information and consider further steps if needed.

**5. Request for Additional Documentation : ** I am in receipt of the documents you have enclosed, including the contract, credit application, and payment history. However, I would like to request a more detailed breakdown of how my payment history is being reported, as well as a summary of any fees or charges that may have been added to the account during the servicing of the loan. 

I would appreciate a response at your earliest convenience. If necessary, I am happy to discuss this matter further and work toward a resolution. Please feel free to contact me by phone at XXXX via email at XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I had a Washington Mutual HELOC that I paid off in XX/XX/2009. The satisfactory of Mortgage that WaMu submitted to the XXXX County Clerk office had the wrong Section, Block and Lot number. I reached out to Chase and they haven't helped me. My chase case # XXXX. I have requested for them to change the section, block and lot number and re submit to the XXXX County Clerk. Im selling my house and there is a lien on the title. This bank error is costing my money. SO far, Chase has done nothing to help me. I need to get this lien ( that I paid off years ago ) taken off my title so I can close on my house. Thank you for your help.
Product: Debt collection

Repeated phone calls over and over at work at home. Threaten to take accounts and assets calling at night and day threaten to tell my boss if I dont pay. Take the collection off for a week and put it back on a credit report over and over causing the score to change.