23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. 
Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security. 
In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me. 
Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974. 
If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law. 
Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.
Product: Vehicle loan or lease

Complainant Information : Subject of Complaint : Loan Company XXXX XXXX Dealer : Carvana Nature of Complaint : 1. Lack of Disclosure of Arbitration Clause : The arbitration clause in the car loan contract provided by XXXX was not explained to me at the time of signing. 
I was not informed that I had the right to opt-out or decline the arbitration clause. 
This lack of disclosure and explanation violates my rights under the Truth in Lending Act ( TILA ).

2. Misrepresentation and Deceptive Practices : Carvana, acting as the intermediary, did not provide clear information regarding the arbitration clause in the loan agreement.

Carvana did not inform me about significant terms and conditions of the loan, including my rights related to arbitration. 

Detailed Description of Events : On XX/XX/year>, I purchased a vehicle from Carvana and entered into a financing agreement with XXXX. 
During the process, Carvana presented me with the loan documents from XXXX. 
At no point was the arbitration clause in the loan agreement explained to me, nor was I informed that I had the right to opt-out or decline it. 
Upon reviewing the documents later, I discovered the arbitration clause and realized that I had not been properly informed about it. 
I contacted XXXX and Carvana to address the issue, but they refused to remedy the situation or provide a satisfactory explanation. 

Violations : Truth in Lending Act ( TILA ) : Failure to provide clear and conspicuous disclosure of the arbitration clause. 
Unfair and Deceptive Acts and Practices ( UDAP ) Laws : Misrepresentation and lack of proper disclosure by Carvana. 

Desired Resolution : I request that the CFPB investigate these practices and ensure that both XXXX and Carvana comply with all applicable laws regarding clear and transparent disclosure of loan terms. 
I seek the removal or invalidation of the arbitration clause from my loan agreement. 
I request compensation for any damages incurred due to these violations. 
I request that measures be taken to prevent such practices from affecting other consumers in the future. 

Supporting Documents : A copy of the loan agreement with XXXX, including the arbitration clause. 
Any communication records with Carvana and XXXX regarding this issue. 

Declaration : I declare that the information provided in this complaint is true and accurate to the best of my knowledge. 

Signature : XXXX XXXX XXXX
Product: Checking or savings account

I deposited my first pay check for the amount of {$1400.00} from a new employer, Into my checking account at Bank of America. That was placed on hold for an over extended period of time, ( from XX/XX/20018 to XX/XX/2018 ), considering the relatively small amount and local bank branches involved, time with my bank, and funds being available for withdrawal from employers account. And being given false and/or incorrect information that the funds will be available by the following day. In violation of my consumer protection rights, and federal rules and regulations. Unfairly causing me undue hardship with past due utilities ( gas, electric, and water ), that may get shut off, and with my past due truck payment, that may get repo'ed for none payment as I had agreed to pay a past due amount on pay day. Furthermore, the lack of food in my home, and other necessities needed. 
Moreover, my requests for release of funds or to please expedite the process for the above reasons was refused, And negligently ignored and unfairly declined without further explanation except for, I was told, for their protection in-case the check did not clear. And that it will take until XXXX XXXX  Wed. the XX/XX/XXXX to do so.
Product: Mortgage

I applied for a mortgage with Quicken Loans on XX/XX/XXXX and in speaking with my purchase banker XXXX XXXX we discussed " rate lock '' at 3.625 % and he told me that it would only cost {$500.00} which I could pay with a credit card and then be refunded at time of close. Given the rate had dipped I wanted to lock it in so we proceeded on the call where he took my info and CC #. When it came time to close on XX/XX/XXXX my attorney pointed out on the paperwork that Quicken was attempting to charge me over {$13000.00} in fees ( points ) on my loan which was never discussed at any point in time ( see call recording from XX/XX/XXXX ). Additionally, XXXX told me that they would lock the rate for 60 days to get us to close and came to find out they only locked it for 40 days then raised the % of points on XX/XX/XXXX which cost me an additional $ 2,000+. Through subsequent research they moved this date around from XX/XX/XXXX on XX/XX/XXXX then on XX/XX/XXXX moved the date out to XX/XX/XXXX with more points added for no reason - a clear grab for more $ . During this initial call I was asked to docusign nearly 100 pages of documents that quickly scrolled through the screen. We then were unable to get a hold of anyone at Quicken including my banker at closing and were put at risk of losing our home due to being given the run around and delay so we would just pay the fees. We were directed to XXXX XXXX at Quicken who listened to the call recording an admitted that Quicken never once discussed paying points at anytime on our calls. Additionally, Quicken chose to " archive '' only 6 documents out of 50+ on the portal and one of those was the Interest Rate Disclosure ( Rate Lock ) paperwork and Intent to Proceed from XX/XX/XXXX which further obfuscated my ability to crosscheck any of this information for reference during the process which added to the intentional deception and I believe is a common practice at Quicken to lock out their clients from critical data and collect fees. I believe this falls under the Deceptive Act or Practice guidelines specifically due to the omission of critical and incredibly costly information. 

My situation is incredibly similar to complaint # XXXX filed with CPFB on XX/XX/XXXX and matches up with 15 other complaints against Quicken on the CPFB dating back to XX/XX/XXXX. This practice is clearly meant to be misleading and deceptive to their customers and especially for a first time home buyer like myself and an attempt by Quicken to collect massive fees from unsuspecting buyers by omitting critical information. This business practice is predatory and preys on an individuals trust. This was recently escalated to their " Executive Office under XXXX XXXX ( XXXX ) so they clearly realize they are at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several issues regarding our XXXX XXXX XXXX XXXX loan information. First, our last payment was XX/XX/XXXX and it shows XX/XX/XXXX. The account is closed, charged off as a bad debt, P & L write off as shown on our credit report. Although it is closed and charged off, they continue to report  to the credit bureaus each month and add interest. The account is past the statute of limitations and needs to be completely closed, with no further reports to the credit bureaus. It also needs to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with XXXX XXXX on my mortgage. I have missed two payments due to Covid at the beginning of Covid Because my income had just stopped when the pandemic hit.It took my lender over six months to come up with a solution. The solution was refinance. when my lender approach me to refinance With an incredible interest rate and a 15 year term. I notified them that I was able to make the missed payments in a few weeks and did not want to refinance. When I made the missed payments my lender reported it to my credit bureaus which destroyed my credit. Although they promised not to report it, they did. I have tried to resolve the negative report to my credit with no success. I have caught up on my payments and offered to pay off the loan. They refused to fix my credit. I can not reach someone by phone or email. And all they stated was I refused the refinance in their documentation. I have since made missed payments But they refused to take the negative reporting of my credit report. The lender told me that they would not report it to my credit, yet they did and those two payments show 30, 60, and 90 day default on my loan for 6 months. XXXX XXXX Would not just put the payments at the end of my loan but wanted to take advantage of the situation And re write the loan for a 15 year 29 % interest rate On the remaining balance of my mortgage. I have tried to resolve this with numerous phone calls. The lender told me that I can not speak to anyone about repairing my credit. They never notified me that they were going to put a negative mark on my credit report. I do not have any documentation of what they did. But they have documentation in their files
Product: Checking or savings account

My credit karma account has been funded by someone who is not me. The extension account linked to my credit karma account is not mine. And i would like to close out the account.
Product: Vehicle loan or lease

Legal Inquiry Regarding Erroneous Auto Loan Charges by Capital One I have an auto loan with Capital One. However, on XXXX XXXXXXXX, I received a notification from my credit report monitoring app indicating that my auto loan was labeled as " charged off '' with a XXXX XXXX XXXX I contacted Capital One, and they informed me that my account is 72 days past due, due to a storage fee incurred in XX/XX/2023 by a wrecking service or towing company based in Indiana. The issue is, my vehicle has never been impounded, towed, repossessed, sold, etc, and more importantly neither I or my vehicle have ever been to Indiana. I'm deeply concerned about this discrepancy. Additionally, my XXXX XXXX dropped by about XXXX points, and I fear my vehicle will be wrongfully repossessed. Moreover, I am troubled by how Capital One sent vehicle contract copies about my account to XXXX XXXX XXXX XXXX in Indiana and paid them around {$1800.00} without ever consulting me or notifying me. I have contacted Capital One and after 6 hours on the phone, they were not able to resolve anything, and they said they will give me a call back on Friday. Friday came and someone just told me they are still working on it, and that they would reach out to me on Monday or Tuesday. Today is Wednesday, and I am currently on hold for over an hour as they have not resolved this.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : XXXX, XXXX, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Please remove these items immediately. This is not a third party filing this.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a recurring issue I have been experiencing with LexisNexis regarding the erroneous linking of my personal information with that of my XXXX XXXX sister, as well as the reversion to outdated information. Despite having disputed this matter with LexisNexis in both XXXX and XXXX, the problem persists. 

This year, I encountered difficulties with security questions related to my employer travel card through XXXX. Upon contacting XXXX, I was advised to communicate directly with LexisNexis to dispute and rectify the security information they have on file. Consequently, I requested a full disclosure report from LexisNexis last month. However, I received a letter dated XX/XX/XXXX, stating that they are unable to process my request due to an inability to authenticate my identity. 

Given that my state-issued driver 's license is accepted by the TSA as a valid form of identification, I am perplexed as to why it would not suffice for LexisNexis to authenticate my identity. I would appreciate it if you could provide clarification on this matter and assist in resolving this issue promptly.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

On XX/XX/XXXX I, XXXX XXXX XXXX, closed on a mortgage with XXXX XXXX ( formally known as XXXX ). Prior to closing, I purchased a title insurance policy with XXXX XXXX XXXX XXXX for a {$730.00} premium to insure me against any title defects ; moreover to assure me, the buyer, that I have purchased a valid title, up to {$130000.00} ; which was the original cost of my home ( SEE LINE XXXX of the HUD SETTLEMENT STATEMENT I SIGNED AT CLOSING ON XX/XX/XXXX ). The XXXX employer, who supplied the closing documents, confirm with me during the signing process at closing that I did in fact purchased a title insurance policy that will be mailed out to me by XXXX XXXX XXXX within XXXX business after closing. 
It has come to my attention via the Independent Foreclosure Review that I may have been sold a home by XXXX who really did not have the right to sell me this home. It is my understanding that a title search is a means of determining that the person who is selling the property really has the right to sell it, and that the buyer is getting all the rights to the property ( title ) that he or she is paying for. In those transactions where title insurance is involved, the title company must determine insurability of the title as part of the search process. 

Unfortunately, On XX/XX/XXXX, while I was at work, I, XXXX XXXX XXXX, was forced out of my home by which XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, etc. with the motive to cover up all loose ends of this mortgage transaction by which they stole my locked file cabinet that housed all of my important files and documentation ; which included my title insurance policy, monthly mortgage statements, deed, birth certificates, etc. Nevertheless, my copy of my closing packet was at my mother 's house, due to the fact that when I closed on my home I went to her house and left that packet with her. As a result, my mother put it up for safe keeping, by which XXXX was unsuccessful in disposing of corroborating evidence of a mortgage that should have never happened in the manner by which it did. 

To ensure XXXX XXXX XXXX did not facility mortgage fraud via racketeering, illegal kickbacks, etc., I request the CFPB to see that XXXX XXXX XXXX to provide me with a copy of my Title Insurance Policy, along with a copy of the chain of title performed by XXXX XXXX XXXX which allowed me and XXXX to legally enter into a binging mortgage contract to permit us to successfully close on this mortgage on XX/XX/XXXX.
Product: Mortgage

My mortgage was recently transferred from XXXXXXXX XXXX to Freedom mortgage. I received a letter saying I had a 2 month grace period to start my loan payments with the new company. My mortgage payments went up almost {$200.00} per month so I used the 2 month grace period to pay off some bills so I would still be able to put food on the table. I just received 2 letters yesterday from Freedom mortgage, one saying I was past due 2 months and one saying I had 30 days to catch up my payments or they would foreclose on my house. After I received the first letter informing me of the mortgage transfer I called Freedom mortgage and said I was planning on starting autopay on my account on XXXX XXXX and was told that would be fine. I called today and was told my only options to get the account current are a 6 month repayment plan that I can't afford or a loan restructuring that would change the percentage rate of my loan to the current rate which I also could not afford. I was also told I could keep making my normal payments but I would be reported to the credit bureaus and my credit would suffer. 

I'm sure this is not the first time someone has misunderstood the 60 day grace period after a mortgage transfer because their letters state you will not be charged a late fee by Federal law. I can't believe there is no way to fix this without ruining my credit score, which I have been working to improve. 

I am a XXXX XXXX XXXXXXXX XXXX and my wife and I are both retired living on a fixed income. My mortgage payments have gone from {$1200.00} to {$1600.00} since we bought our house. I can barely afford to put gas in my truck and buy groceries. Please let me know if there is anything you can do to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent numerous letters to Equifax asking them to validate a Chapter XXXX BK that is reporting on my credit report. Equifax has responded back to my request indicating that the investigation has been completed and that the Chapter XXXX BK was verified by a 3rd party known as XXXX XXXXThis is what is mentioned on the investigation report ( this response does not define / comply according to the law as to what they call 'Results'- this is rather a statement from Equifax and not a validation as requested by me. 

They have also asked that I notify the data furnisher 'USBK Court XXXX   Florida ' as well. I sent a response to Equifax asking them the verification method that was used to validate the Chapter XXXX BK with XXXX XXXX - as well as who they spoke too, how the validation was conducted and phone number for the contact. They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by XXXX XXXX and that I should contact the data furnisher 'USBK Court XXXX  Florida ' as well. The same response is sent back to me as a generic answer to my request for my credit report. They never indicated the method of verification that was conducted with XXXX XXXX, who they spoke with and a contact number. Equifax has failed to legally validate the Chapter XXXX BK reporting on my credit report. They indicate XXXX XXXX the 3rd party verified this information. This is can not be the case as my XXXX XXXX Consumer Report is frozen and has been for quite some time for identity purpose. I have also contacted the 'USBK Court XXXX  Florida ' asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the Experian Credit Bureau dated XX/XX/2022 to delete this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

I took this loan to study XXXX XXXX  after I retired from teaching. I needed to have something to do in my retirement. After a year into the program, I realized that I may not b able to repay this loan if I continued with the program. So, I dropped out of the program and started to repay the loan already taken. 
Now, with the loan forgiveness program, I would like the remaining of my loan to be forgiven.