23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After receiving a few phone calls at work ( he left a message ) and on my cell phone from XXXX XXXX of the law office of D. Carruthers in XXXX Ca I decided to call him back. He told me I had a debt and owed XXXX from a XXXX loan I had taken out a few years ago. He then gave me XXXX options 1. pay XXXX today and make small payments on the rest. 2. make larger monthly payments to pay it off. 3. pay smaller payments but would need to pay XXXX today for a down payment to start the repayment process. I explained to him I would need more time to come up with XXXX. He told me that was not an option because I have already taken a long time to repay them back. He also told me it would be embarrassing if he had to serve me legal papers at my place of work since I am refusing to settle this today. I told him I was not refusing to settle, I just needed more time. He began to get rude and began to ask why cant someone like my husband or anyone help me pay this. I explained, I did not have a husband or anyone that would help me. I told him it is too hard for me right now because I have a baby and another son. He then replied, " so you have a new baby with no husband ''. He said that sarcastically. He also said he knows how much money I made and said he knows I can make the payments. I again explained to him I was not able to pay just yet. I asked if I could call him back. He confirmed my place of employment as if he was going to send someone to come by. Before hanging up I asked to speak to the attorney he had mentioned earlier he said I could speak to him at court. I was trying to see if we would be able to settle something in the near future, but he did not seem to want that. after a few minutes went by I called him back because I felt very threatened and nervous about him/someone coming to my place of employment. When I called him back I told him to not call or go to my work ever again. He replied by saying they will do whatever they want to resolve this. I then asked for their address. He replied by saying that I do not need their address anymore because they have already made a decision about what to do with my case. I said I want your address any way. He gave me XXXX XXXX in XXXX Ca XXXX. I then asked for their fax. XXXX XXXX then hung up on me. Also in the middle of the conversation I asked him how much was the loan I took out, he replied XXXX or something like that, but I now owe over XXXX from interest. I feel threatened and nervous about job loss. I also think he refused to settle anything with me because he did not want to give me more time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

Loan originated in XXXX with a 5 year interest rate of XXXX %. In XX/XX/XXXX I received notice that the interest rate had a cap of XXXX % and therefore would increase by XXXX %. On my XX/XX/XXXX financial statement I noticed the interest rate had increased from XXXX % to XXXX  %. 

When I inquired with the loan specialist about this I was told that 1. There was an error on the part of the bank. That there was a XXXX  % cap on the interest rate increase and that the interest rate should be XXXX % However, when the rate was not changed, I made a second inquiry and was then told XXXX. A second email was sent dated XX/XX/XXXX stating the first letter stating interest rate would increase by XXXX % from XXXX % was in error and that : " regarding the XXXX  % rate cap, this does not apply to the first adjustment following the initial five year fixed-rate period. All subsequent rate adjustments are capped at XXXX  %, meaning your interest rate can not increase by more than XXXX % during each subsequent rate review, with the rate reviews occurring every six months. '' XXXX. The Promissory Note that I signed at closing in XXXX does that include this language as stated above. It is my understanding that any rate increases would be capped at XXXX % Please note, I never received the email nor a hard copy by mail dated XX/XX/XXXX informing me of this change. 

Upon reviewing the Promissory Note, it reads as follows : " ... the first rate change and on every rate change date thereafter, the interest rate shall be adjusted... one percentage point ... '' My complaint is : 1. The second notice invalidating the first notice was only received after the increased interest rate had been applied. I had no advanced notice 2. The Promissory Note fails to adequately and clearly specify that after the first interest rate increase that the interest rate can increase to whatever the Mortgage Broker determines and thereafter increase by XXXX % I am seeking the interest rate to be reduced to the XXXX  % cap as originally stated and explained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted the credit bureau in reference to this account by mail. I did not get an answer back from  XXXX , and the other  XXXX  updated the account as meets FCRA requirements. However, after speaking with  XXXX   XXXX  it was determined that they would delete the account and have the  XXXX  credit bureaus do the same. I faxed in the letter stating they would remove it however to no avail the account is still being reported. c
Product: Credit reporting or other personal consumer reports

My rights under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ) and ( c ), have been violated by the improper handling of my personal financial information.

According to 15 USC 6802 ( b ), financial institutions must provide clear and conspicuous notice about their privacy policies and practices, including the categories of information collected and disclosed, and the third parties with whom the information is shared.

Additionally, 15 USC 6802 ( c ) requires that customers be given the opportunity to opt-out of the disclosure of their nonpublic personal information to nonaffiliated third parties. 

The specific ways my rights have been violated are as follows : Lack of Proper Notice : I have not received any clear and conspicuous notice from the financial institution ( XXXX ) responsible for the information reported to your bureau about their privacy policies and practices. There was no explanation of the categories of information collected and disclosed, nor a list of the categories of third parties with whom my information might be shared. 

Failure to Provide Opt-Out Opportunity : I should have been given the option to opt-out of any sharing of my nonpublic personal information with nonaffiliated third parties. To date, I have not been provided with any means to exercise this right. 

Unauthorized Disclosure : Without the proper notice and the opportunity to opt-out, my personal financial information has been shared with nonaffiliated third parties. This unauthorized disclosure has led to the inclusion of inaccurate information on my credit report.
Product: Vehicle loan or lease

XX/XX/2020 ... NOTE : I am XXXX yrs old, on XXXX as my only income, taking many XXXX   that cause me to be somewhat XXXX, XXXX  & XXXX. I have never purchased nor owned a new car in my life. Son called me from XXXX XXXX XXXX, XXXX, XXXX XXXX, asking me to come to the dealership immediately to " co-sign '' for a Truck. When I arrived, my son, his wife, the salesman ( XXXX XXXX ) and a stack of papers were waiting for me. I asked where the truck was and was told it was " in the back ''. The salesman, XXXX, had another customer waiting and informed me in a polite way that we needed to hurry. I began signing. The last form was the contract with the price and I then realized this was for a brand new truck, XXXX  XXXX XXXX XXXX. I began trying to read everything and was reminded by the salesman & my son that everyone was in a hurry. I asked why the paperwork stated " buyer '' & " co-buyer '' and I was signing as the buyer. XXXX stated co-buyer & co-signer mean the same thing and the only reason I was designated as buyer was because my credit was better than my sons. Special note here, my son has violent outbursts, usually directed toward me. At this moment I felt pressured by everyone there, not thinking clearly due to my meds of course, ignorant and fearing my son, I signed. XXXX than returned with a key and handed it to my son. I asked if I got one too and he stated " no '' only one key because they are so expensive. I left. Recently ( XX/XX/2020 ) my son and I had another violent altercation so I began looking into the truck payments and other information I could find. My son had kept me in the dark once the truck was purchased and I learned not to ask. I did receive toll violations in my name with pictures of the truck. I went to the dealership requesting paperwork, information, advice and a key and was treated poorly. I did get the paperwork, was informed it was co-ownership not co-signing and I couldn't get a key unless I paid for one, keys were only available from the dealer & I would have to bring the truck to them to make it ... Of course, without a key to get the truck there, that was impossible. I am now aware, the 2nd key to the vehicle was handed to my sons wife, before I arrived?, to sign the papers. My son has made every payment late and informed me plans on continuing to do so, he doesnt care if he ruins my credit, gets my drivers license suspended, I cant register my car because of his non payment of fines, etc. I feel helpless. I feel that plans were possibly made between the salesman & my son, before I arrived, to get the loan thru, take advantage of me & give me false and/or as little information as possible. How does someone on an income of {$1300.00} a month get approved as a BUYER for a {$55000.00} Truck? My son knew the medications I took daily and the fear he instills in me. I am now searching to find legal help
Product: Debt collection

I keep getting similar emails in my spam folder from Speedy Cash threatening to take legal action against me if I do not pay right away but they never leave a phone number to call and the emails look like it could be a scam. I did take out a loan back early XXXX which did end up defaulting for the amount of {$650.00}, however, I am currently in a chapter XXXX bankruptcy and I remember including Speedy Cash in my filing back in XX/XX/XXXX. Please contact this payday loan company and stop these harassing emails and constant phone calls. I have a spam block on my phone and keep getting weird numbers multiple times a day but they never leave a message. Please investigate and let me know if this is a scam based on true information from the past and let me know what I should do next. I have forwarded similar emails from Speedy Cash to my lawyer and he said this was most likely a scam and not to worry about it but these emails are talking about serious legal actions involving my place of employment so I'm extremely stressed out about it. I've never gotten anything from them in the mail to back up their claims so I don't know if this is legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection for a XXXX bill in collectors hands, pinnacle. This was one of my ex husband 's phones when he had his business. He had 4, 1 In my name., I gave ex his phone back and he allowed the bill to run up. Is NOT my debt, is ex husband 's. Along with EVERY closed / charged off credit card needs to be removed. Many car companies have ran my credit just because I viewed cars online, I NEVER gave them permission. I keep track, I KNOW I only have 3 hard inquiries FOR the last 2 years. Please make these abusive credit report companies STOP abusing their power. I'm alone on XXXX, I CAN'T afford to have this bad credit. There are other things on my reports I've never heard of. Please, PLEASE can you help me out??? I don't have any where else to turn. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Nav is engaging in false advertising. I signed up for NAV several months ago to build credit for my business based on recommendation and advertising posted on their website and various sites. 

" Nav Prime membership payments and Nav Prime Card repayments automatically sent as 2 tradelines to all major credit bureaus '' This is still visible on their website at : https : //www.nav.com/_nav-prime-2/ Unfortunately after paying monthly for Nav Prime and their credit report monitoring service, they do not report the tradelines as promised. I have spent thousands of dollars on their Nav Prime card account and hundreds on the subscription. None of this is on my business credit report. The subscription is the only item that actually reports, and it's reporting the wrong amount on that tradeline.
Product: Checking or savings account

MY CDS ARE EXPIRING ON XXXX AND XXXX AND THE BANK OFFERED ME A RATE OF XXXX FORK 14 MONTHS WHICH I JUST LOCKED FOR AT THE DATE THEY MATURE. 

NOW CAPITAL ONE IS PLAYING GAMES SAYING THAT THEY STILL CAN LOWER RATES EVEN AFTER IT IS LOCKED IN WHICH IS NOT RIGHT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name XXXX XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$100.00} Balance {$120.00} Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX This a fraudulent account, someone stole my personal information to owe this debt. The above collection account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have frozen my credit with Experian. Now I need to unfreeze my credit

and Experian does not provide any good way to do that. I called their customer service line and there is an endless circular phone tree. The tree doesn't let you remove a freeze, only place a freeze. There is no option to speak to a real person. It seems like they want me to pay for a service. If there is a fee, then let me know. There is just no obvious information. The online way didn't work. The phone didn't work. I dont ' know what to do now.
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  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: Payday loan, title loan, or personal loan

Attempted to prequalify to make a purchase on a partner site. Filled out the form and was told they could not verify identity. I had used a browser auto fill entry and didn't realize until later that it only entered an initial instead of the full first name. That should not have mattered since I have the initial on file with financial services also. Could not find a way to correct the error and resubmit. Contacted customer service via email and got two completely unhelpful replies. Found a phone number and called, but again, responses were unhelpful. They refused to let me correct the name error or delete the file so I could try again. Escalated to a Supervisor ( XXXX ) who was also unhelpful. Escalated to a manager ( XXXX ) who said all she could do was send a link to be able to submit .pictures and documentation that was not required for the initial form. Stated there was no one above her I could talk to and, that the file could not be deleted. This company has numerous complaints against it. I need ALL personal information deleted from their files.
Product: Credit reporting or other personal consumer reports

bureau name : TRANSUNION bureau address : TRANSUNION CONSUMER SOLUTION XXXX XXXX XXXX XXXX, PA XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear TRANSUNION, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  Inquiry name : XXXX XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items reported that are not 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX in the amount of {$3900.00} on XX/XX/2021, 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 instructions. 
I take my privacy extremely seriously, and that right has been violated, causing me great distress.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX  XXXX Balance : {$24000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I dont owe Kikoff lending any money.They never lend me any money The account should have been simply been closed not charged off.This is incorrect info reporting to my credit bureau .

Im asking them to report it as a closed account.Instead of charged off account Its not a game its not a joke I will file a lawsuit in US District Court if it changed from charge off to closed
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX TX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX TX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 
XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 
XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX XXXX AUTO ACCOUNT NUMBER XXXX BALANCE {$520.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries on my credit report under the provisions of 15 U.S. Code 1681b, which outlines permissible purposes for accessing a consumer 's credit report. Upon reviewing my credit report, I have identified the following inquiry that I did not authorize : XXXX. XXXX XX/XX/24 ( Experian ) This inquiries were made without my knowledge or consent, and I believe they constitute a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681b, credit inquiries should only be made with my explicit authorization or for legitimate business needs as defined by law. 
I am requesting that this unauthorized inquiry be removed from my credit report immediately.