23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, We are writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding our experience with USAA Mortgage. 

We began our mortgage journey with USAA on XX/XX/XXXX. At that time, we opted not to buy down the interest rate based on the information provided by a USAA loan underwriter, who stated, " VA loans don't have closing costs when refinancing. '' This inaccurate statement led us to believe that we could refinance in XXXX months without incurring any closing costs if interest rates dropped by XXXX  % or more. Unfortunately, we have since learned that when refinancing VA loans, closing costs are in fact involved. 

After the six-month period following our mortgage closing, interest rates did drop by at least XXXX %. However, we discovered that USAA had sold our mortgage to another bank. Despite this, we were eager to pursue refinancing our XXXX loan. Contrary to the initial assurances we received, we found that banks offering VA loans do charge closing costs for refinancing. USAA retains audio recordings of the conversation with the underwriter, which confirm our account of events. 

On XX/XX/XXXX, I spoke with the XXXX of the loan underwriter, who acknowledged the inaccuracies in the original statement. Unfortunately, she informed us that there was nothing USAA could do to rectify the situation, which we find unacceptable. 

We believe that USAA either intentionally misled us in an effort to issue higher interest rate loans or failed to adequately train their staff on the specifics of VA loans and refinancing. This misrepresentation has resulted in significant financial losses for our family. 

Additionally, during a call with the loan underwriter on XX/XX/XXXX, we were taken aback by his unprofessional demeanor, as he laughed and expressed disbelief over our expectations of USAA 's response. This experience, combined with the initial misinformation, has compelled us to file this complaint. 

We appreciate your attention to this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Ally Financial for their failure to comply with federal regulations, resulting in late payments on my vehicle loan and unauthorized disclosure of my personal information. I believe that their actions have violated important consumer protection laws, specifically 15 U.S. Code 1666b and 15 U.S. Code 6802. 

On XX/XX/XXXX, I sent a certified letter, bearing the Certified Mail Number XXXX XXXX XXXX XXXX XXXX, to Ally Financial, requesting the removal of late payments from my account. According to 15 U.S. Code 1666b, a creditor must adopt reasonable procedures to ensure that periodic statements, including the required information, are delivered to the consumer at least 21 days before the payment due date. Ally Financial failed to fulfill this obligation, resulting in late payments in XXXX and XXXX of XXXX. These late payments were not my fault and should not have occurred. 

Furthermore, it is important to note that the original contract, which identified XXXX XXXX XXXX as the creditor, was rescinded on XX/XX/XXXX. Therefore, Ally Financial, as the current holder or assignee of the contract, is responsible for adhering to all applicable laws and regulations. 

Additionally, on XX/XX/XXXX, I sent another certified letter, with the Certified Mail Number XXXX XXXX XXXX XXXX XXXX, explicitly requesting that my personal information not be shared with any third parties, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, or XXXX. This request is in accordance with 15 U.S. Code 6802 and The Privacy Act of 1974. As a customer of Ally Financial, I have the right to control the disclosure of my personal information, and I explicitly stated my desire for it not to be shared. 

I am deeply disappointed by Ally Financial 's failure to meet their obligations under the law, both in terms of the timing of payments and the unauthorized sharing of personal information. These actions have not only caused financial harm but also infringed upon my privacy rights. I expect Ally Financial to rectify these issues promptly and take appropriate measures to prevent similar incidents in the future. 

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement actions against Ally Financial to ensure compliance with federal consumer protection laws. I also request that you keep me informed about the progress of this complaint and provide me with a copy of any findings or resolutions. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to protect consumers and ensure that Ally Financial upholds its legal obligations.
Product: Mortgage

OCWEN OWES US $ XXXX AS 3RD PARTY CLAIMS LISTED IN OUR CHAPTER XXXX BANKRUPTCY DEBTORS LIST CASE NO.XXXX, IN PART FOR COVERING UP FOR XXXX XXXX AND THE XXXX, XXXX & XXXX FRAUD FROM XX/XX/XXXX-XX/XX/XXXX. SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I requested Experian, XXXX, and XXXX to reinvestigate the accounts sited next : Acct # XXXX, Acct # XXXX. After multiple attempts through letters, phone calls, online disputes over a 3 to 4 month period, they have consistently stated that everything was complete and accurate. How is that possible if the open dates, last activity dates, amounts, closed as collection account, amounts reported monthly, payment histories, etc are incorrect? Because this has impacted my ability to obtain credit, I am requesting compensation and the correction of my credit reports to accurately reflect my credit history. There are a total of XXXX inaccurate entries on my Experian credit profile and XXXX on my XXXX profile. I am requesting compensation for a total of XXXX inaccurate entries.
Product: Student loan

My FedLoan transferred their servicing of my student loans to XXXX in XXXX of XXXX. However, they did not transfer any of my payment history. I spoke with customer service help at FedLoan this week and they said the history transfer would be forthcoming. Today I received a copy of my alleged payment history from FedLoan. However, I graduated in XXXX and there is no payment history before XXXX. My loans were consolidated in XXXX and I have never defaulted on a payment. It feels like they are lying about me and trashing my credit and work history in order to keep me from getting my loans forgiven in the future.
Product: Credit card or prepaid card

This card was issued thru ESD under the Washington paid leave. I received the card in the mail and have spent 8 plus hours total on 3 separate days. I notified customer service and ESD in writing of the challenge in activating the card. Turns out someone entered my birthday wrong so I can't use the online service. I paid for this benefit and was exposed to COVID-19 thru my work. It is unreasonable to expect people to be perfect, it is also unacceptable to force anyone to sit on hold for hours listening to horrible music. I finally got thru and they told me the could not correct the DOB, but verified that I had been attempting to activate since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the new guidelines, if a tax lien does not have your social security and date of birth, it should be removed from your report. TRANSUNION refuses to remove the lien on my report which only has my name and address. i just applied for a home equity loan to pay my daughter 's school, application was declined because of the lien. 
Same lien was removed by XXXX and XXXX. 

Note that i am currently paying federal taxes through an arrangement.
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit, which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. 

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 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 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 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received notification today that a collection was added to my credit report in the amount of {$1100.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. 
Account name : 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 XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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: Debt collection

Hello there is a collection on my credit report that I have disputed several times and it will get deleted and then another collection agency would get it its not my account it is with XXXX XXXX I have XXXX XXXX services now. I called them on several occasions to get this account off they have no way of verifying this account is what I was told by XXXX XXXX. They dont even know where the account came from but its a different account then what I have now. They told me to dispute it with the collection agency because once its left their office I have to go through the collection agency so they can verify it with XXXX  XXXX. I was told they have never tried to verify that account with them but they updated my credit report as verified. Called the collection agency several times to dispute this account and they told me they verified my social security number and my address. I asked them for a hard copy or a contract that I signed and they refused to provide it. They said they dont need to have it they verified it was my account by my address and social security number. So they refused to remove it and its not my account.
Product: Credit card or prepaid card

I had an American Express Gold card for 12 years, And the past 3 years Obtain a Business Amex Card. During the pandemic the predatory lending of Amex customer service advised I open a XXXX amex XXXX and a XXXX Amex XXXX being, they were monitoring my spending habits ( Violations ) however upon opening the cards in XXXX and XXXX when I used them. I made payments to my American Express XXXX. I didnt not specify the card to be paid because there was only XXXX card that had a balance Since the Amex had Closed all of my accounts since XXXX without confirmed notification. This has become an undue hardship, it has impacted my life and way of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Savings Bank is reporting an open account on my experian profile that I never initiated. I spoke with the fraud department XXXX XXXX of this year and they assured me the inaccurate information would be removed by the close of the week and I would receive some type of verbal or email follow up. Neither has been done and I am ready to press charges. The person on this case stated on a recorded line he sees what happens and that I was opened up by a XXXX XXXX a member with their credit union. It needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

1. XXXX Bank opened XX/XX/XXXX. 
2. XXXXXXXX XXXX  XXXX opened XXXX XXXX, XXXX 3. XXXX Bank, XXXX opened XX/XX/XXXX 4. XXXX XXXX XXXX opened XX/XX/XXXX 5. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Per - 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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information currently reflected on my credit report. I recently reviewed my credit report and noticed that new entries have been added to my account without my prior knowledge or notification. These additions are not only unexpected but also appear to be inaccurate and require immediate investigation. 
I am concerned about to be disputed item below, which were added to my credit report without prior notice or communication from the creditor. I was not informed of these changes, and I believe the entries may be incorrect or fraudulent. 

Account Name : XXXX XXXX Account XXXX Reason : I have never entered into a contract with this debt collector regarding this debt. Please provide evidence from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it, or kindly remove this account from my report. 

INQUIRIES 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 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached relevant documentation to support my claim. Please inform me if additional information is needed. 
I request prompt attention to this matter, as the FCRA requires you to be completed within 40 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to start by saying that we went into a legally binding contract to purchase a home based on information we were told and confirmed verbally, multiple times, on a recorded line with Lending Club. Here is what happened, from the beginning : Due to a drastic reduction in income because of Covid, I contacted Lending Club in XXXX to ask for a deferral or reduction in payment. I was granted a 2 month reduction in payment. My wife tried multiple times to make the payment online with no luck. We received a phone call on speaker phone to ask for payment. We were giving them our card information when we were hung up on by the company. My wife then tried calling back, only to be hung up on when attempting to make the payment. When she was finally able to get through to someone to make the payment, she was told she was one day out of the grace period, and our payment agreement was now invalid, thus resulting in a 30 day late payment to my credit. She begged them not to report late, explaining the situation and that she was calling to make the payment that she had tried to several times before that date. They were unrelenting, and even though she made the FULL payment ( not the reduced amount of the payment agreement ), they still reported it as 30 days late. We are now in a position where we are having to sell our home because of the continued loss of income. Without having the 30 day late payment removed from my credit, we can not get loan approval. Because of what we were promised by Lending Club, again this was app confirmed multiple times by my wife on a recorded line, we went into contract on a smaller, cheaper home. We are now at risk of losing that home because of the dishonesty of Lending Club. We have asked for copies of our recorded calls, to which weve been told thats against company policy. We have done everything theyve asked, including submitting letters to the Consumer Advocacy department via email, make follow up calls for the current status, submit a second letter to the Consumer advocacy department. It was XX/XX/XXXX when we were told they would remove the late payment and we would receive something from consumeradvocacy@lendingclub.com to confirm what we were told. We were told we would receive that no later than Monday XX/XX/XXXX. We received nothing. My wife called on XX/XX/XXXX for a status update. She was told to call back if nothing received by XXXX XXXX  PST that day. She called back and again no update. We have since called back multiple times only to be told something different each time. Sometimes were told its still under review. Sometimes were told it wont be removed. Weve asked multiple times to be called by a manager. Though they claim theyve called me 10 times, I have not one missed call. I asked for the dates and times they called me and they said that information is not available. We are getting the runaround each and every time we call, and now it has come down to the wire and we need this issue resolved so we dont lose the home were in contract on.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - {$140.00} Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

I received correspondence from XXXX of Ally Executive Customer Relations via the Consumer Financial Protection Bureau ( CFPB ) website dated XX/XX/2021. 

However, I did not fill out a credit application with XXXX XXXX XXXX, nor did I give them permission to submit a credit application on my behalf to Ally. 

Please provide proof of my signed and dated credit application to reflect the date my credit was pulled by Ally. Failure to do so means that your agency is in violation of 15 U.S. Code1681n ( a ) and ( b ) I also noticed on your rejection letter dated XX/XX/2021 ; you do not have my complete address listed. I would never fill out a credit application without my complete address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXX XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

In XX/XX/XXXX I had a door installed by XXXX XXXX it was not done correctly. In XXXX of XXXX I files a dispute with my credit card company Comenity Bank ( All Rewards Mastercard ). Also in XXXX of XXXX I file an aditional dispute with XXXX XXXX XXXX in XXXX XXXX XXXXXXXX, PA over a gift card I mistakenly purchased between two stores with similarly sounding names and there were no rules posted prior the sale regarding any return or exchange policy. In both instances I exhausted all avenues with the merchant. In filing the dispute Comenity Bank insists that it be done in writing through the mail, not online or by phone. Within both of these letters XXXX gave written permission to allow me, XXXX, to speak with them regarding this card in which I am an authorized user. We got some responses but no resolution. They acknowledged receiving our letters but would not acknowledge the permission to allow me to talk to them. They said it had to be done verbally. We found it hypocritical that I could use the charge but couldn't speak to it. We also found it hypocritical that they needed the dispute in writing but wouldn't acknowledge a written authorization from XXXX. 
Bottom line, they wouldn't allow me to help them resolve this and they are way beyond they own limit of 90 days to resolve the two disputes.