23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint is with Specialized Loan Servicing, LLC. ( The  original loan was with XXXX in 2006. It was sold to XXXX XXXX and then to SLS. ) Since XXXX, 2006, we have made payments of {$610.00} per month, for a total of {$91000.00}. Of that, approximately {$17000.00} has gone on the principal and approximately {$74000.00} has gone on interest. There is an adjustable rate, but it has essentially remained at 10 %. The current outstanding balance is {$60000.00}. 

I recently contacted SLS about paying off the mortgage early for a reduced amount. It's a 30 yr mtge, so I still have about 16 yrs to go. Since I have already paid more on interest than I actually borrowed, it seems reasonable that they could reduce the payoff amount to {$30000.00} or {$40000.00}. SLS, however, does not see it that way! I apparently did not understand that this was set up in such a way that would involve paying back more than THREE TIMES what I actually borrowed! That is totally unfair and unethical. Please tell me this can be resolved in my favor. Thank you for your time.
Product: Checking or savings account

Attempted to resolve the ongoing issue with USAA by Arbitration per user agreement, however, unable to serve and their registered agent claiming they are not authorized to do business in the State of Washington.
Product: Money transfer, virtual currency, or money service

I was unable to link my PNC Bank account with my XXXX XXXX account. The XXXX website stated PNC Bank has made a change in their policy that does not allow their users to link their accounts with external sites like XXXX. This is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Mortgage

I spoke with XXXX XXXX, loan XXXX at HomeBridge Financial Services , Inc ober a week ago about what types of loans are available to purchase an investment property and whether I would be eligible to take out said loan. First contact was over the phone. I told her I was not comfortable filing an application yet as I did not want a hit on my credit and would feel more comfortable if she would review my financial paperwork first and only info I would give her to make a preliminary determination. She assured me she would do so and send me a link to the application via text. Once I filled out the application, there is a box to check to give consent to lender to run a credit check next to the submit button. I made sure not to check the box since I did not want to have my credit pulled, and before submitting the application, I texted XXXX  again. She again ensured me, in writing this time, that she would not pull my credit and for me to go ahead and submit the application so that she may review it. I clicked submit and she confirmed she received it via text. To my surprise, the following morning, I received a credit karma notification that my credit had a new hard inquiry and that my credit score was lowered by XXXX points. I immediately texted XXXX. She apologized, blaming her assistant but saying that he did not know not to pull my credit despite the box not checked, clearly not giving my consent for such inquiry to be done. She said she would give me a copy of my report as apology. I explained that I was not okay with her way of doing things. She then made a determination of my eligibility solely on the tax return paperwork I had submitted. I then adked her what she was going to do to fix my credit since, if she had not been XXXX, there would have never been any need to pull my credit in the first place, which I was trying to avoid all along. She refused to try to " fix '' her mistake but sent me emails saying that there was nothing to worry about, that inquiries did not affect credit scores anyways. I told her that XXXX states that inquiries do lower scores, and will appear on the credit history for XXXX years. That she needed to contact the credit bureaus and explain that she made a mistake so that my credit could be restored and that if not, I would have to contact CFPB for assistance. I also told her that as a licensed professional, she owed me duty of care when I entrusted her with my sensitive info but she was XXXX or XXXX  when she betrayed that trust and pulled my credit despite giving me her word not to do so. Needless to say how outraged I am at this point.
Product: Credit card or prepaid card

on XX/XX/XXXX i were vertifyed to add a free phone to my account with XXXX XXXX from the XXXX XXXX XXXX XXXX neglience of my personal information were email, phone no exposed neiglience on XXXX XXXX from XXXX XXXX XXXX XXXX showed me were 210 peoples using my information XX/XX/XXXX XXXX XXXX frauduly took {$52.00} out my account a block were put on my account and my personal card off file too by bank of america dispute.Temporary credited Adjustment credited back to account and stated i am secured.my phone were interrupted of services behind billing own balance each month removed off XXXX XXXX pay monthly in full and still have a balance of $ XXXX are {$27.00} witch taking out of my account XXXX XXXX i saw in my account and its a XXXX XXXX information log into my account he added me for my code like its for to check my account.i keep getting emails asking to upgrade my card are make a payment.on XX/XX/XXXX no network like XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX i recieved the morning of XX/XX/XXXX a call from massachsetts on my phone he asked me did i have network and data promble and be carefull letting xfinity come out they be doing stuff asked me to turn on my phone, lab top and tablet and a app to go i hung up like i call XX/XX/XXXX refered to security dep what XXXX say and i were asked to lift the freeze off my credited cause he see whats going on need to come out to change the lines but have to get it ok firt and prove who i am. and i am under breech victim of idenity theft i will send u a gift card for breech victim in your area. never heard anything else for 7 days until i call and made a appt for XXXX XXXXXXXX XXXX XX/XX/XXXX think he did do something with my account like XX/XX/XXXX call stated 2 peoples using my line.his information in my account XXXX XXXX which i dont have bank of America negligence let XXXX XXXX XXXX get money out my account with a block on my account in XXXX of the {$52.00} unauthorized to do and bank of america and XXXX XXXX  in convience me with meeting regarding my new debit card no excess to money need monday the XXXX regarding my apt trying apply and take off market no money on monday.food refile on medication from doctor order for inflammation and pain and for chronic joints pain it time for refille but no money.delayed me for many things delayed waiting on a card in mail didnt put a rush on it.bank of america should have blocked all transaction to my account if i am security like say but didnt block XXXX XXXX from XXXX and paid money i been saying dont own cause XXXX pay in full still gave money to crimminals of XXXX  {$27.00} out my account this every month emails for money and changing my XXXX XXXX free plan by XXXX.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
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 XXXXXX/XX/XXXX
Product: Student loan

From XXXX to XXXX, XXXX XXXX Navient misallocated loan repayments, then capitalized the debt into the principal. This effected my credit score and put me in further debt without an ability to get out.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unknown Acct XXXX XXXX Bank ( Acct.Number Unknown ) Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion : XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$110.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$550.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$130.00} Inquiries for Blocking and Deletion : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

I have a credit card with Lane Bryant through Comenity bank. 
I paid my bill off in full on XX/XX/XXXX. My payment wasnt due until XX/XX/XXXX. But on XX/XX/XXXX they charged me a {$2.00} finance charge. I know its just {$2.00} but if they are doing it to me then they are doing it to other people as well and that adds up. 

I tried talking to them about it but they keep repeating themselves saying : Based on recent change-in-terms regarding the " grace period '' for finance charges that went into effect on your account on XX/XX/XXXX, this finance charge is valid. 

Per this change : '' We will charge interest on your account if the balance is not paid off in full by the billing due date. In other words, if you don't pay off the full balance by the due date, we will charge your account interest on any balance carried over, plus any new purchases made, starting the day the purchase posts. '' I PAID MY BALANCE IN FULL WELL BEFORE THE DUE DATE. Im attaching a screenshot of my transactions since a XXXX. You will see that I was a few days late in XXXX so I doubled my payment to cover the minimum due plus the late fee of {$35.00}. After that all my payments were made before or a couple weeks before the due dates. I have never had a credit card company charge me finance charges on a zero balance, so this doesnt make any sense to me how this could be valid. My payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied a passport, a home loan and a business credit card among other pertinent THINGS THAT WOULD ULTIMATELY HAVE CHANGED MY LIFE FOR THE BETTER based on ALL information illegally reported on my credit report, XXXX, XXXX and Experian. the department of Revenue of California was one of the things on the report that has drastically hindered my ability to receive and use my veterans benefits for things that i am entitled to after my service in the United States armed forces. 

These credit reporting agencies have broken the law by the act of identity theft as I have not ever given written consent to these agencies to report anything about me, the inquiries that appeared on said reports should have been limited to the things that I attempted to acquire to better my quality of life, this has resulted in years of financial mayhem. 
pursuant to the FCRA 15USC 16 81, WHICH STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 ( 604 ) A ( 2 ) HICH ALSO STATES THAT THE CONSUMER REPORTING OR ANY OTHER AGENCY CAN NOT FURNISH ANY INFORMATION ABOUT ME ITHOUT MY WRITTEN CONSENTOR WRITTEN INSTRUCTION TO REPORT ANYTHING. PLEASE HAVE THESE AGENCIES DELETE THESE THINGS IMMEDIATLY OR I WILL BE FORCED TO PURSUE CIVIL SUIT REQUESTING MONETARY RELEIF ON MY BEHALF. THE DATES THAT ACTION WAS TAKEN WAS XXXX  the amounts are over XXXX which are a balance from several so-called creditors none which have provided a copy of a requested contract or signed agreement to me as they have all stated that that information is not available for my records
Product: Credit reporting, credit repair services, or other personal consumer reports

All Dept EDXXXX accounts are reporting late payments : They each have 1 payment that were not caused by me. MY PAYMENT HISTORY IS ABSOLUTELY FLAWLESS. Also it violates 15 U.S. Code LAW 1681i ( 5 ) Removal of Inaccurate and Invalidated Credit Information. As I understand, Im supposed to receive notice within 21 days before a late payment happens but I was not informed otherwise I would have handled the issue.

AND you guys are violating 15 U.S. CODE LAW 1681e ( b ) - Compliance procedures maximum possible accuracy. All of these accounts including the student loans are not reporting the full account numbers which makes the account inaccurate. These are the accounts that are each reporting 1 late payment. 

1. DEPT OF ED/XXXX Account Number : XXXX 2. DEPT OF ED/XXXX Account Number : XXXX 3. DEPT OF EDXXXX  Account Number : XXXX 4. DEPT OF ED/XXXX  Account Number : XXXX 5. DEPT OF ED/XXXX Account Number : XXXX 6. DEPT OF ED/XXXX Account Number : XXXX 7. DEPT OF ED/XXXX Account Number : XXXX 8. DEPT OF ED/XXXX  Account Number : XXXX 9. DEPT OF ED/XXXX Account Number : XXXX 10. DEPT OF ED/XXXX  Account Number : XXXX 11. DEPT OF ED/XXXX Account Number : XXXX 12. DEPT OF ED/XXXX Account Number : XXXX 13. DEPT OF ED/XXXX  Account Number : XXXX 14. DEPT OF ED/XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate unfreezing of my credit report with Equifax, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605A ( c ), which grants consumers the right to request the lifting of a credit freeze. Currently, my credit report is frozen, preventing necessary verifications from being conducted on my credit history. I kindly request that you unfreeze my report so that authorized entities can access my credit history and perform the required reviews. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I made a mobile deposit on XX/XX/2024, with the understanding that funds will be available the next business day ( XX/XX/2024 ). Upon completing the deposit, Capital One mobile app indicated that deposit will be available on XX/XX/2024. I called customer service and asked for clarification. I was told that there should not be any hold amd the funds will be available on XX/XX/2024. I told the XXXX about the mobile app indicating otherwise but the XXXX stated that I should not go by what the app is indicating. I was satisfied and got off the phone. An hour or so later, I received an email from Capital One stating that they received XXXX ' information that there is an increased risj that the check I deposited will not be cleared. It also stated that I will have to wait until XX/XX/2024. I called the bank again and talked to the XXXX about the issue. I asked the XXXX to cancel the deposited check if there was increased risk. She stated that the check can not be canceled and there is nothing she could do. I asked for someone from the management team to assist and I was transferred to XXXX XXXX ( Employee ID # XXXX ). I apprised him of the situation and asked him to cancel the check if there was increased risk based on bank 's confidential information. He stated that there is a hold and he can not discuss any further or cancel the deposit. I asked him again to verify if the funds were available with the check issuers bank but he stated he can not do that either. I got misleading answers from the XXXX 's and the management team for XXXX hours. I also asked XXXX XXXX to close my account but he stated that I can not CLOSE my account because of the issue I was having. XXXX XXXX also stated that the system overrides any manual changes. I asked for his full name but her to give it to me saying he simply can not do that. I never got straight answers from any employee of Capital One. It was a terrible experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested documentation from XXXX XXXX XXXX ( XXXX XXXX Bank ) concerning a debt you have listed on my credit report with you agency. I have request multiple times through the Consumer Federal Protection Bureau that XXXX XXXX XXXX refuses to provide legal documents according to the FCRA and FDCPA law and regulations. This included being denied copies of any signed contracts, accounting and statements to prove the debt they are reporting- Without proper documentation this information is being reported to my credit report illegally and I ask that it be removed today
Product: Mortgage

Contacted LoanCare LLC on XX/XX/XXXX to obtain a payoff amount/date. I was told via phone of the payoff amount ( {$59000.00} ) that would be good thru XX/XX/XXXX and the customer service rep also said they would send an email with the information. Based on the amount provided over the phone, I submitted a payment to satisfy my balance. This payment was submitted in the same manner as all payments have been submitted which is an electronic transfer from my bank. This transfer was received by LoanCare on XX/XX/XXXX. 

I had not heard back from the company and called them today ( XX/XX/XXXX ). I was told by the customer service rep that my payment had been received but had not been applied to my loan. The rep stated that because the payment wasn't submitted by Cashier's/Certified check or wire transfer it would not be applied to my loan until Friday XX/XX/XXXX, 10 business days after LoanCare received the payment. 

I stated this doesn't make sense, this was never explained to me and that I submitted the payment as always and by holding my payment for 10 days this would cost me extra interest. I stated the payment should be applied based on the date the payment was received ( XX/XX/XXXX ). The rep stated that wasn't their policy and it would be applied as of XX/XX/XXXX.
Product: Vehicle loan or lease

In XXXX XXXX XXXX I purchased a car for XXXX and some change. Santander took the loan and charged me a high interest rate. The loan total at purchase was a principal of {$34000.00}. In XXXX XXXX and XXXX extensive hail damage in Colorado totaled the vehicle. It was then processed as a total loss, made in two payments totaling to {$20000.00}. This was paid in XXXX. on XX/XX/XXXX GAP insurance paid {$10000.00}. To date I have paid {$5600.00} in payments, and been charged an additional XXXX in interest. To date the bank has been paid {$36000.00} on a loan that was {$34000.00} for early payoff at day of loan creation. They are now attempting to charge me {$1300.00}. They also have had employees at not just their bank, but their ownership 's bank and other subsidiaries ( XXXX Santander, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX ) reviewing my XXXX profile, calling and asking me to confirm my place of work and dwelling, and this was a consistent practice since informing them I had a total loss vehicle until I called and filed a complaint with management which took about 6 hours of being hung up on and being placed on hold and hung up on before I got through to one to complain about this intrusive activity. It has not happened since I reported the activity, and the activity took place after every phone call I made to them despite them claiming it was not happening. I am also reporting Santander to the FDIC, as well as XXXX  and FBI on these intrusive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a hard inquiry for Transunion XXXX XXXX and I did not apply for anything. Credit score dropped
Product: Debt collection

XXXX the phone company has stated that I owe them money for a phone bill while I was on XXXX XXXX XXXX. Not only was it illegal what they did since I was on XXXX XXXX XXXX  and I actually went into their store to pause our services during XXXX time. They were charging me {$120.00} so I went ahead and paid it. Theyve continued to sell the debt to different collection agencies. Ive now paid the same debt twice. A new collection agency Jefferson capital systems is now hounding me to pay this debt. I have sent them receipts of other transactions that Ive paid for the same debt. I have called their office. They never have anyone that answers the phone and they instruct me that my account is to be handled by a different phone number, which is not a working number. I have emailed them and texted them copies of the receipts. No ones gotten back to me and they continuously add the negative debt to my credit report. I feel as though theyve broken many laws and rules both Jefferson capital and XXXX XXXX. Id like this debt removed from my credit ASAP given all of this evidence.