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

Santander XXXX and class action settlement agreement. Haven't received any information on my individual account. They are currently tanking my credit and charging outrageous interest fees post-settlement. I'm currently being punished and retaliated against for my association in class action settlement. Santander is trying to force repossession after losing the lawsuit. My last payment of {$300.00} on a current loan solely went to interest and fees and my credit score has nose dived 50 points from XXXX, XXXX! They are trying to financially ruin me due to their unethical business practices. They reported me as paid on time in XXXX and XXXX throughout XXXX but actually my payments were missed 3 months in a row during that year. The settlement has become a punishment for me the consumer at this point because nobody will step in to look at my individual situation. Santander lost the suit and is now making it worse during a pandemic. I have made {$8000.00} in payments on an $ XXXX year loan but still showing a balance of over {$9000.00} and coming up on the last year of the loan. They also sold me a fraudulent warranty and the dealer misrepresented my income to get approval. My credit report is completely misrepresented by falsifying dates and extremely high-interest fees and penalties. My account is an exact model of the Santander class action settlement but nothing has been done. The current loan balance amount far exceeds the value of the car and is completely inaccurate to the amount paid to date on the vehicle
Product: Debt collection

I was contacted by Midland Credit Management company. They are a debt collector. I told them that I had no knowledge of the accounts that they were talking about. They said they would open an investigation and notify me of the results. I contacted the credit bureaus to start an investigation. XXXX completed their investigation and advised me that the accounts have been determined to be fraudulent or as a result of ID Theft and removed them from my account. These are the same accounts that Midland Credit Management company is attempting to collect.
Product: Mortgage

This involves a mortgage loan that I applied to Sun West Mortgage Company for and received an initial loan estimate for on XX/XX/2021. I decided to pursue the mortgage through Sun West and did end up going through with the purchase and financing with Sun West. My issue is that, as we approached the closing date, I received a closing disclosure ( dated XX/XX/2021 ) that reflected quite a big difference in costs than the initial loan estimate. After looking into it further, it seems that pretty much all of the title costs, including lenders title insurance, were omitted from the initial loan estimate. This resulted in over {$1900.00} in title fees that werent anticipated. The initial estimate for monthly mortgage insurance premium also doubled. The total loan costs increased by 107 %. There was some creative arranging of the closing disclosure to make it look like nearly the same cash to close number, but that didnt take into account the {$3400.00} cash deposit I had already placed in escrow. 

I confronted the lender on these discrepancies and let them know that I had looked at the regulations and was aware that there were not supposed to be these kinds of increases in-between disclosures. I made a fairly big stink about it, which resulted in an updated closing disclosure ( claiming that the wrong version was sent the first time - I also didnt think those disclosures were supposed to be updated like that once they were sent ). This disclosure included another {$2400.00} in lender credits which looked like an attempt to compensate for the additional fees as compared to the original loan estimate, and miraculously got me back to my initial cash at closing amount. The doubled monthly mortgage insurance premium was not corrected, however. 
When you compare the final loan terms to the initial estimate, the interest rate was the same 3.25 %, but the monthly payment went from {$1600.00} to {$1900.00} ( a $ XXXX difference note that the monthly escrow payment was excluded from the initial monthly payment estimate but included in the final one ), and the APR increased from 3.486 % to 3.701 % ( an increase of 0.215 % ). 

When I was initially shopping for a mortgage I thought a 3.486 % APR was slightly high, but still within the range of comparables and my realtor recommended this particular lender, so I went with them. If they had shown me a 3.7 % APR I never would have pursued this mortgage ( there were some lenders advertising as low as the 3.25 % range at that time ). I ended up going through with the loan from Sun West, since it was either that or scuttle my plans to buy the house, at that point. I think their lending practices were unethical, though, and feel like I am forced to pay more than I originally agreed to.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

unverified inquiries XXXX XXXX
Product: Student loan

I made a number of extra payments to pay off one of my loans in full inXX/XX/2020. These payments were supposed to be allocated specifically to my loan with the smallest balance. Nelnet told me that they were being allocated to the loan that I wanted to pay off. On XX/XX/XXXX, my account showed a XXXX  balance for principle, accrued interest, and capitalized interest as well as showing " Paid in Full by Borrower ''. In XXXX, I noticed that the loan had come back and had a balance showing on the principal. I called back and they said that the payments just needed to be reallocated and it would be taken care of. They sent me a letter showing that the loan was paid in full. I assumed this meant that I didn't need to continue monitoring for that loan. Around XX/XX/XXXX, I noticed that there was a {$42.00} balance showing for the loan that I had already essential closed out twice. I called Nelnet and they said that I owed the {$42.00} and that the letters had been sent in error. I called back twice more and was told that I needed to call back on XX/XX/XXXX and speak to the Account Solutions Team because they were the only department that could really close out the loan that I have paid in full. I called back and requested to speak with the account solutions team. I was instead transferred to a general studentaid.gov phone number and couldn't actually speak to a person. I called back and spoke with a representative who told me I couldn't speak with the Account Solutions Team because they really only deal with refunds. She told me that she would have to file a payment reallocation form and that it would actually work this time. I told her that I had already done this twice and it hasn't worked yet. I just want the loan that I paid off to actually indicate that I have paid it off.
Product: Credit reporting or other personal consumer reports

I have attached a letter indicating the inquiries on my credit reports should not be there as I do not recognize them.
Product: Student loan

**This is a complaint about NAVIENT loan services** *I 'm not sure what type of loan I have ( Federal or Private ). Every time I spoke with someone from NAVIENT, I was given a different answer. 
*I have been denied income-driven payment methods for the past year. I was always re-directed to the forbearance option each time I talk to a representative. *Forbearance DOES remove the need to make monthly payments, HOWEVER it increases my interest, making my overall payment HIGHER. 
*In order to even talk to a representative about income-driven payments, they had both myself & my cosigner fill out financial statements ... Each of us were forced to fill one out AT LEAST 5 TIMES!! Apparently they do not save this type of information on your account?? 
*One time while filling out a financial statement, one NAVIENT customer service representative accused me of lying about not being able to make my $ XXXX monthly payments by saying " sometimes people CAN pay but they just DO N'T WANT TO. '' *On numerous occasions, I HAVE filed for forbearance, and the next day they were calling my house wondering where my payment was. Do they have no sense of tracking peoples ' accounts? 
*I find it absolutely frustrating that a company offers income-driven loan payments on their website/in writing but once a customer inquires about the payment option they redirect them to forbearance.. WHICH MAKES YOUR OVERALL PAYMENT EVEN HIGHER!
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECKED MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCTS.    XXXX  XXXX XXXX    Account Number: XXXX****   date opened XX/XX/XXXX  amount $XXXX XXXX  XXXX  XXXX  ACCTS    Account Number: XXXX**             date opened XX/XX/XXXX  amount  $$XXXX    XXXX    Account Number: XXXX****      amount $XXXX date  :XX/XX/XXXX   XXXX XXXX    Account Number: XXXX****     date opened  XX/XX/XXXX    amount $XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX    Date of inquiry: XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fufill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverfiable accounts unresloved. The Consumer Financial Protection Bureau ( XXXX ) has recently filled a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting imediate corrective action to remove or amend the disputed accounts, as XXXX  inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My identity and information was exposed involved in a breach with Equifax and my negative items should be removed under section XXXX everything should be removed. I do have all my information to prove that this has happened to me. I was sent XXXX in my email as a settlement that I have not used. I should have the option to fix my credit being that it has been breached multiple times. This has been going on since XXXX
Product: Mortgage

I requested a loan modification in XX/XX/XXXX due to an operation my wife had to undergo which has prevented her from continuing her XXXX. I was asking to skip one month 's payment, and was told that there may be a slight reduction in our total payments due to the modification. I have submitted the same paperwork numerous times, answered the same questions over the telephone numerous times ( several times the same question was asked, then asked two weeks later by another individual in a different way ). We have been late, 30 days, since about XX/XX/XXXX and have been occurring the late payments as well as having the late payments being reported to the credit bureaus. We have over a dozen requests for information by letter, some saying they have all the information they need, with another letter coming the following week asking for information or documentation we have already provided. Had I known that there would be this much red tape and time taken ( I honestly believe they are purposely stinging us along, perhaps to force us into foreclosure ) I would have looked into a new loan with another bank. At this point, I have been late, which precludes me from any HARP loan options and pretty much reduces any other options I may have had. 
What I would like is that SPS give us an answer ( I never get to speak with the same person and they shield the " decision-makers '' from their clients ), one way or another and to reverse any late payments and clear our credit with the credit bureaus. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau, the date of the last letter was on XX/XX/XXXX and still got nothing from them. That means EXPERIAN has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$3500.00} - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} - XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}-
Product: Credit reporting or other personal consumer reports

I tried to create a free membership with Experian to manage security freezes, but their website has a technical problem where no matter how different my username and password are, it blocks me from creating an account saying " Your username may not include your password ''. I've spent hours on the phone with them trying to resolve the issue, and they would not recognize it as a technical problem and they have no tech support that I can contact. After calling over and over, working with the disputes department to confirm all my information was correct, they finally recognized that it might be a technical problem, and asked for a screenshot of the issue on XX/XX/XXXX. Then almost a month later, XX/XX/XXXX they said they forwarded it to their engineers to look into. I still haven't heard back, and I still can't create my account to control the freezes on it.
Product: Credit reporting or other personal consumer reports

To whom this may concern : Im writing this letter to inform of my consumer laws are being violate. 

XXXX XXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Report 1692e. False and misleading information ( the contract you allegedly signed has violations ) Reselling the account to another company is a violation The loan itself is a violation of 15 USC 1605 ( a finance charge ) which violates a contractThere is no question of the general doctrine that fraud vitiates the most solemn contracts, documents, and even judgments '' XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ). By this principle, this matter should never have reached this Court 's attention.

Nothing can be on a consumer report without your permission/ factual information isnt suppose to be on a consumer report ( 1681 ( 2 ) ( A ) ( i ) otherwise it constitutes as identity theft due to no consent1681a ( q ) ( 3 ).

This account is also a duplicate account from a loan servicer.

this account is also over the statue of limitations Ok 7 years Please remove account from my credit report Thank you XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I called to talk to DITECH regarding my escrow increasing from an escrow analysis performed in XX/XX/XXXX. They were increasing my mortgage payment due to an escrow increase. I asked them why they paid my taxes in XX/XX/XXXX when it should have been a XX/XX/XXXX for XX/XX/XXXX. I told them that paying early effects the low point in the calculations and they said it would not happen again. Come XX/XX/XXXX I  found that they paid it again over 60 days early instead of XX/XX/XXXX when the payment should have been applied. This directly contradicted the escrow schedule provided in XX/XX/XXXX. I called them and asked for an explanation on why this occurred again. They said someone from Escrow would call me within 3 weeks. I waited the 3 weeks and no return call or correspondence came. I did however receive a notice that they were transferring the servicing of my account. This just seems like they transferred me out of retaliation when I was questioning them for manipulating the numbers to get more money out of me. I know they can have a cushion of 1/6 your annual escrow payout, and that they can bring the lowpoint to the cushion level. I feel that they are intentionally manipulating the numbers by estimating payments in one month but paying early to increase the lowpoint difference. I feel this is a shady business practice and down right predatory as we have no say in the transfers of servicing. Now I have to deal with the ramification of their miscalculations with another service provider. Since they have sold it, it now shows my lowpoint as XXXX when it should have shown a balance of XXXX which means they will charge me more money to bring up the lowpoint to the cushion. 

They need to be investigated for fraudulent manipulation of escrows as I am sure I am not the only one whom has had them do this. 

Also I think retaliation is a big issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint to CFPB was in opposition to XXXX score of XXXX which appeared to be affected by a none update of my credit card account with XXXX XXXX paid in full to leave a credit of {$7800.00}. The site showed a balance of around XXXX.. I recently checked my FICO due to an alert from XXXX and my credit score has been dropped to XXXX without incidence or contact from XXXX or its response to CFPB since filing. I have authorized " no hard pulls '' on my credit. There remains a fraud alert on my account and the agency would have had to contact me to obtain such a hold Equifax was good and on XX/XX/XXXX I, discovered through XXXX XXXX that my credit score of XXXX on XX/XX/XXXX was decreased to XXXX without incidence! I noticed an unauthorized " hard pull '' on my credit. The credit union that I was inquiring about funds to pay staff assured me that the " inquiry '' would not affect my credit score! I was unsuccessful in downloading a free copy of my report due to site not allowing the download to compare to XXXX download. This morning it refused to provide a report. There is no accountable difference to have affect my credit score and decrease it to XXXX! I have attached the XX/XX/XXXX credit report. I have not authorized any hard pulls. There remains a fraud alert on my credit reporting accounts and the agency would need my permission to pull such a report I updated the information on my XXXX account concerning the addresses that I never resided and now I receive a bombardment of solicitation with most recent informing me that my credit score has decreased! According to XXXX : XX/XX/XXXX My credit file was updated to remove addresses ; another update on XX/XX/XXXX ( why ) XX/XX/XXXX credit rating soliciting on how they could make my credit score better, assuming XXXX is not better given the hx of my credit prior to the XXXX recession I enjoyed credit scores up to XXXX ; and yet XX/XX/XXXX XXXX your FICO score has come a long way XX/XX/XXXX XXXX your FICO score has been updated to show a decrease when attempting to view information, no access and yet the system recognizes me ( see print screens ) XXXX XXXX targets my credit of {$7800.00} and claims it can be increased, ironically after my credit score has been decreased! 
I have not authorized any hard credit pulls on my accounts and was informed by credit union that the credit view would not affect my credit score prior to inquiry. There remains a fraud alert on my credit report and the agency would have to contact me to obtain such a pull.
Product: Debt collection

Collection company XXXX partners sold this account to another collection agency Capio partners and has left the account open.
Product: Credit card or prepaid card

Formal complaint credit dispute claim was opened with Capital One following an online order from XXXX XXXX. 

In short, XXXX XXXX charged the credit card. The order that was placed online was cancelled by XXXX XXXX due to inventory. XXXX attempted to rebill credit card despite this cancellation and not fulfilling their end of the order. 

A billing dispute was open with Capital One and as part of remediation, the original amount was credited back to card. However, Capital One received a charge authorization in " investigation '' BUT no other support documentation was provided by XXXX XXXX. No documentation involving delivery or processing of the order was uncovered in the dispute. Capital One 's dispute process saw the charge authorization as the only necessary component to side with XXXX XXXX of an online purchase that was cancelled by XXXX and decided to rebill credit card. Since this, we have called Capital One but they claim the burden of proof falls on the consumer now with solely a charge authorization. No sufficient evidence of the vendor 's fulfillment is a direct oversight on the process of disputing claims especially when investigating online order fulfillment. 

The initial purchase was made on XX/XX/XXXX. The dispute in question is for the value of {$61.00}. The complaint was lodged around XX/XX/XXXX.