23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

We financed a XXXX Volkswagen XXXX which became part of the VW Diesel scandal. We opted to return the vehicle and receive the compensation that was offered. As part of the terms of settlement, our loan was to be paid off directly with the remainder of settlement funds paid directly to us. We turned in our vehicle on XX/XX/2017, and within 3 days ( as per the settlement terms ) received a direct deposit of the funds owed us beyond the financed amount. We were informed that the loan would be paid off AS OF THE XX/XX/XXXX, the date we turned in the vehicle. We were also informed that overpayment would be sent to us directly from VW Credit. In early XX/XX/XXXX, we received a letter from VW Credit indicating a payoff date of XX/XX/XXXX. It is now XX/XX/XXXX, and we have yet to receive our check for overpayment. We had sent correspondence directly to VW Credit and informed that it could take several more weeks to receive our overpayment. Clearly, if we were several weeks overdue in making a loan payment, we would be subject to interest and late fees. The delay in receiving the refund of overpayment seems unreasonable. VW Credit has had our funds ( and those of thousands of other settlement participants ) and has benefitted from the delay in refunding overpayment to us. Our demand is as follows : 1. Payoff date to be modified to reflect a XX/XX/2017 payoff - the same date that we turned in the vehicle and no longer had use for it. 
2. Immediate payment of our reimbursement to include interest and late fees ( as would be calculated by VW Credit if our payment was late ) back dated to XX/XX/2017. 
3. An investigation into the delay and whether in the aggregate the withholding of prompt payment and failure to use the settlement date as date of loan payoff has inured to the benefit of VW Credit and against consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My student loan servicer is Navient. I have inquired with them on two occasions about the possibility of lowering my interest rate ( it 's 8 % ) or lowering my payments/canceling my loans. I have been consistently paying $ XXXX/month and getting now where. I still have $ XXXX in outstanding debt. Due to my divorce, I have come into a lump sum of money that I would like to use to pay off my debt, but it 's only about 75 % of what I owe. Navient will not discuss terms, options or anything else of the sort. The customer service reps will not elevate my calls to management to see if we can discuss further or find options/solutions. They are a total roadblock. I 'm XXXX yrs old and do n't want to be XXXX still paying off loans, which is what it will be if I ca n't get a resolution or change in plan.
Product: Credit reporting

I am filing this complaint against Trans Union because Trans Union has ignored my request for them to provide me with the documents that their company has on file that was used to verify the account I disputed. 
Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Trans Union is required to " ... promptly delete all information that can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your help.
Product: Mortgage

Nationstar Mortgage continues to send me incorrect and inaccurate monthly mortgage statements. This has been going on for a substantial amount of time. Nationstar mortgage still has me under a forbearance plan payment and is incorrectly and inappropriately posting my funds to my account. Nationstar has failed to properly document and reflect my unnapplied funds balance to my account and mortgage statements. Additionally Nationstar has recently, as of XX/XX/2016, started to generate my monthly statements approximately 10-15 days earlier. Prior monthly statements complied with the " Periodic Statement Rule '' 12 CFR Part 1026.41. Nationstar refuses to provide me an explanation or reasoning behind inability to correcting these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was denied credit due to too many inquiries on my transunion credit report. On XX/XX/XXXX I called to report the unauthorized and unverified inquiries. I reminded the representative with transunion that according to the FCRA any and all unauthorized and unverified inquiries must be deleted immediately. They opened an investigation. After 30 days, nothing was done with the inquiries. Today on XX/XX/XXXX I called again and the representative by the name of XXXX said I had to prove the inquiries were not authorized. I then told the representative that according to the FCRA if they are unable to provide verifiable proof about the an authorized inquiries they bust deleted. These inquiries are the only thing stopping me from receiving credit. I demand these inquiries be deleted to prevent litigation. The inquiries are as follows XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I did not authorize any of these inquires and according to the FCRA all unauthorized and in verified inquiries must be removed. 

This is becoming very frustrating. Please delete the listed inquiries since they are unable to be verified.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Product: Debt collection

I am writing to formally document the events that have taken place regarding a debt collection matter involving XXXX XXXX, who claims to represent Account XXXX XXXX. 

Summary of Events : On XX/XX/XXXX, a woman named XXXX XXXX contacted my employer, asking for me. 
On the same date, she also called my ex-husband, inquiring about my whereabouts, whether we were still married, and if we still owned a condominium we previously shared. 
I later returned her call and identified myself. During our conversation, she stated that she was submitting a wage garnishment due to non-payment of a personal loan. 
In an effort to prevent wage garnishment, I agreed to pay {$910.00} on XX/XX/XXXX, and provided my debit card information. 
After the call, I became uneasy and researched Texas wage garnishment laws. I learned that Texas does not allow wage garnishment for personal loans and that a court judgment would be required before any garnishment could occur. 


On XX/XX/XXXX, I called XXXX XXXX again. She did not answer, so I left a voicemail instructing her to cease all contact with my employer, as personal calls are not allowed at my workplace. I also requested an itemized statement of the debt. 
On XX/XX/XXXX, she returned my call and left a voicemail asking me to call her back. 
After work, I returned her call. I informed her that I had filed a complaint with the Texas Attorney Generals office regarding her collection practices.

She responded that she did not care about the Texas Attorney Generals office and dismissed my concerns.

When I informed her that wage garnishment is not legal in Texas for personal loans, she insisted that it was and claimed that my human resources department was unaware of the law. She falsely stated that she did not need a judgment or court order to garnish my wages and could submit the request directly to my employer. 
During the call, she also insulted me, calling me a thief and accusing me of trying to find ways to avoid paying my debt. 

Verification of Debt Ownership : On XX/XX/XXXX, I contacted Nationwide Capital Structured Settlement, the company that allegedly owns my debt. 
I spoke with a male representative who confirmed that they own my debt but stated that they were not familiar with Account XXXX XXXX. 
I requested an itemized statement and original loan documentation, but he claimed that the company had emailed me something in XX/XX/XXXX. 
After reviewing my emails, I found no itemized statement or original documentationonly general correspondence.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent account that has appeared on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this unauthorized account removed. 
The account in question is as follows : XXXX  XXXX Account Number Ending in XXXX Opened : XX/XX/2022 Amount : {$0.00}
Product: Debt collection

On or around XX/XX/XXXX I called XXXX XXXX XXXX XXXX regarding a old collection that had been brought to my attention. It was at that time they cross referenced my ex-husband 's name and advised me that they were going to add me on to a collection account that had been placed in his name. I advised them that we were not legally married at the time he obtaining that debt. Soon after they not only filed a lawsuit against me in the amount of {$17000.00} plus interest and legal fees, but also placed the growing amount on my credit report on a monthly basis. I advised them several times that the documents they were provided with by the original creditor were incorrect. I notified them by phone and in writing that the debt was invalid and they refused to withdraw the suit or remove the report. I did not have a contract with the original creditor for the disputed amount and do not have a contract with XXXX XXXX XXXX XXXX. The two documents my attorney was provided was an incomplete request for enrollment which did not list a financial amount due to the fact that I did not at full tuition, but was granted a reduced tuition which was paid in full, and an inaccurate and outdated ledger. XXXX XXXX XXXX XXXX accepted this debt with insufficient information and are working it on contingency, where they stand to benefit financially. I also believe the attorney working this suit is also working on a contingency basis which poses a conflict of interest in ignoring my previous disputes. I have since hired an attorney and he also advised them the debt was not valid and instructed them to remove it from my credit report. XX/XX/XXXX the amount increased again and was categorized as a Bankruptcy on my three credit reports. The inaccurate reporting occurred during escrow and disqualified me from obtaining a mortgage to which I was in contract for. XX/XX/XXXX they reported an " Inquiry for an installment loan '' further damaging my credit. 

Please note that the original creditor XXXX XXXX XXXX XXXX XXXX is currently the defendant in several other suits involving tuition disputes following an administration change. Furthermore, the entity that entered into a contingent collection agreement with XXXX XXXX XXXX XXXX is NOT the entity that was in existence at the time my children were enrolled and I was granted a reduced tuition rate and they have failed to prove otherwise as no such documents exist.
Product: Mortgage

We were approved for a mortgage through Quicken Loans and fully disclosed our financial information and supplied all documents requested on time. On the morning of our closing date, our closing representative called to inform us that our loan was cleared to close and ready to go. Two hours later we received a phone call from a different closing representative telling us that our loan was being denied because they were never informed that our employer was a relative and that goes against their policy of offering loans to individuals employed by relatives. Besides the fact that this policy is very anti- American small business and anti- family business, we actually made this fact known from the beginning with this company. It was no secret. We told our pre-approval representative a month ago, and our closing representative weeks ago that we were taking a job in the family business, and our offer letter that we provided during our pre-approval and our closing both clearly had the names of the family members ( same last name ). We specifically provided this information and asked for reassurances so that this would not be an issue. The offer letter was approved, the loan was conditionally approved, the closing was cleared and we were assured that everything in our file looked excellent. And still, we were denied due to an eregious oversight by Rocket Mortgage of Quicken Loans. They clearly did not listen to us when we provided information and then proceeded to string us along for weeks. Now we lost any chance at getting our house because they waited until the last day to deny and now it will be impossible to find financing in time elsewhere. This was a gross, egregious and negligent handing of our loan and customer service. We recommend not using Quicken Loans, and suggest looking elsewhere to avoid the headache and heartbreak. If I could give zero stars I would.
Product: Mortgage

We had a construction loan with Citizens bank. 

XX/XX/year> : We requested an extension to our loan to complete construction due to covid-related supplier delays. We were granted the extension but the bank applied {$9000.00} in penalties. 

XX/XX/year> We were told we could apply for a waiver of the penalties. 

XX/XX/year> We are told we are rejected because " the Committee has rejected the borrower 's request for a waiver of the extension fee. We are required to apply extension fees equally. To eliminate the extension fee for this customer but require others to pay would be a disproportionate application of fees and we would therefore be non-compliant with Fair Lending regulations. As a result, we are unable to waive the extension fee. '' How is there an extension fee waiver process when they say that they can not waive fees because it would be in violation of the Fair Lending regulations? 

XX/XX/year> When we asked that question were were then told : " the committee reviews the information you provide and your loan as a whole and from there vote and make a decision if the fee is being waived or if you have to pay. '' XX/XX/year> When I asked for the criteria used for waiver considerations I was told " there is no criteria for waivers. '' How can there be a process to issue extension fee waivers, but they do not issue waivers due to Fair Lending regulations, and then disclose there " there is no criteria for waivers. ''
Product: Debt collection

Collection agency has not provided validation information under 12 CFR 1006.34 b 15 but yet they placed a collection on my consumer report.Also I have not been given a chance to dispute account according to 12 CFR 1006. 34 c 4 l they violating a lot of the laws so I would ask to b deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and TransUnion ) and the account is paid in full.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this name XXXX XXXX XXXX acc XXXX name XXXX  XXXX acc XXXX name XXXX acc XXXX name XXXX  XXXX XXXX XXXX acc XXXX name XXXX XXXX acc XXXX name XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX XXXX XXXX acc XXXX acc XXXX name XXXX accXXXX name XXXX XXXX acc XXXX name XXXX XXXX XXXX  acc XXXX name XXXX XXXX acc XXXX I NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER REPORT and FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I've reached out to the bureaus XXXX XXXX XXXX XXXX XXXX trying to update my information because it was some fake SSN and fake names on my report along with addresses XXXX refuse to correct my information. on XX/XX/XXXX I sent certified mail to the company and bureau pertaining to the alleged accounts in the amount of {$1200.00} and an account that the original balance was {$8300.00} but has been written off and sold for {$7900.00} I then asked for their right of ownership, the original contract the validity of the debt. and I received no information after 30 days. I had to call in they stated they sent it to email, and I searched and never found it. I requested that all results be sent to me through mail. In the letter I also included a copy of my credit report with the inaccuracies highlighted and stated that according to the FCRA that their job is to report 100 % accuracy & 1692g they're suppose to provide the information requested for the validity and they just sent it back as verified with no removal or updated information which violated the federal law. Also spoke with a representative on XX/XX/XXXX I want to say, he stated that he seen the inaccuracies I mention as we discussed it verbatim on the call and stated he can submit another dispute for me on their end. I asked him " so if you see the inaccuracies then why are y'all willing reporting it to my credit ''. He then stated " well it falls of in XXXX anyways ''. So, to know they are willingly and purposefully reporting that damage on my credit & defaming my character. Also prevented me from being able to buy my house and obtain funding.
Product: Credit card

Hello. On XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX, I received a message from my bank asking to verify a transaction for {$2200.00} at XXXX XXXX. I answered " No '' immediately as I was in my house which is in XXXXXXXX XXXX and realized that my wallet was lost ( Which included my driver 's license and Citi Credit Card ) I quickly called the bank and reported that, and we found out about other transactions already posted ( XXXX $ + $ XXXX $ XXXX $ XXXX {$4100.00} ) totaling more than {$16000.00}. All these transactions were made in XXXX XXXXXXXX XXXX  I live in XXXX. I waited almost XXXX months for my bank to reach out to me the first time after the disputes were made. They told me that they would not be continuing some kind of investigation without any police reports, and also, they also wanted me to send them my new Driver 's License, they told me if I still did not get the new one, I should do it and send it to them too. I asked them why they wanted it after XXXX months and if they could have just asked for it at the beginning when I opened the disputes. That is because at the beginning I was asking them what they needed me to do to help them they answered they did not need anything and that if they did they would tell me. After XXXX months, they asked me why I did not get my police report in a very bad and surprised manner. That is ridiculous! I asked them why those transactions amounting to more than $ XXXX went through without them contacting me first. I have other credit cards that I try to put gas in my car with just XXXX miles away from my house which is an unusual activity, the bank immediately calls me to verify it before letting that transaction go through. Now, my card was used in a different state they did not even bother to verify those huge amounts in an unusual zip code. They said just sorry about it. Long story short, I sent whatever they needed the next business day, the police report along with my new DL, and the same day they told me they had denied my claim again and that I was responsible for those charges.
Product: Mortgage

I don't understand why my mortgage loan amount remains the same despite my owning my home for over XXXX years. If I paid $ XXXX per month ( for a year ) and for XXXX years -- why has my home loan amount remain {$110000.00} -- this is the cost of the home that I had bought over XXXX years ago. 

I await your help.