23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I used XXXX XXXX to pay off our debts ( excluding our mortgage ) and stop the interest charges. The XXXX XXXX  started mid-month and they said we had an unpaid amount ( showing to this ) of {$660.00} XXXX That is XXXX of our monthly payment. We were current on our mortgage payments. When I asked about it, they said we were in XXXX and would not talk to us, only our lawyer. 
We have continued our payments through the whole XXXX  even through today. When the XXXX  ended, paperwork was sent to us and our lawyer. 6 months later we find that we are still showing XXXX on our mortgage We found our lawyer had been disbarred and we were told to get another lawyer. We are not spending more {$1000.00} 's. I sent a copy of the completion of XXXX XXXX that got and it was sent back to us. 
Well, now we have turned XXXX and our taxes have been pause at the tax rate a year ago, so they can't go up and our insurance is the same. They sending us a refund {$1400.00} from our escrow acct. And yet our payment went up. Should it not have gone down since they had to send us a refund. They are taking too much money and now they want more. It does not make sense and they will not talk to me. I should have to use my refund to get my XXXX taken off, because they can not use their brain Sorry, but I am angry.
Product: Debt collection

I have enrolled in XXXX XXXX XXXX as an alternative to filing for bankruptcy. I have notified Lendmark Financial that I am enrolled in the program and to contact XXXX XXXX XXXX as they are handling this financial case. I have asked them on 3 separate occasions to NOT call me at work. I asked them on XXXX XXXX, 2017 at XXXX XXXX to not call, again on XXXX XXXX at XXXX XXXX, and again on XXXX XXXX, 2017 at XXXX XXXX to not contact me at work. I am in jeopardy of losing my job. I 've asked them REPEATEDLY to contact XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an public record/judgement containing an eviction reporting for me for XXXX XXXX at XXXX XXXX XXXX even though I have never lived there. There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there. Please see letter from the apartment complex and email chain from corporate office. I never lived at this address so how could I have been evicted? Please stop reporting this false information.
Product: Credit card or prepaid card

Fortiva XXXX Opened XX/XX/2022 Credit limit {$500.00} Charged {$510.00} Contacted Fortiva
Product: Debt collection

Fact, the Truth in Leading Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Leading Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that CarMax XXXX  XXXX, XXXX XXXX CARMAX XXXX XXXX  is Violation of 15 USC 1605. ( A ) ( C ). This transaction included a finance charge, and the finance charge includes insurance Which protects the creditor against the Obligors loss and or property damage. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labelled as Exhibit B that CarMax XXXX XXXX XXXX XXXX CARMAX XXXX XXXX is in Violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. CarMax XXXX XXXX XXXX XXXX CarMax XXXX FINANCE In fact took cash as shown in attachment labelled as exhibit A & B Fact, Affiant is aware and has proof in attachment labelled as Exhibit A and Exhibit B that CarMax XXXX XXXX XXXX XXXX CARMAX XXXX XXXX is in violation of 15 USC 1611. CarMax XXXX XXXX, XXXX XXXX CARMAX XXXX XXXX Willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. 



CarMax XXXX XXXX obtained my personal information without my consent, knowledge. pursuant to 1681 ( A ) & ( B ) they have yet to explain how they obtained my information or produced a written contract with a wet ink signature binding both parties instead they furnish deceptive forms.
Product: Debt collection

I ask for verification that shows I sign contract to enter into this debt and show me proof of payment history according to 15usc16926 fair credit act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Against the XXXX Major Credit Bureaus for Violating Privacy Rights and Defaming Credibility Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the XXXX major credit bureausXXXX, Experian, and XXXX violations of my privacy rights and actions that have defamed my credibility. 
Over the past several months, I have noticed significant inaccuracies in my credit reports issued by these bureaus. Despite multiple attempts to rectify these discrepancies, I have been met with inadequate responses and a lack of effective action. This negligence has not only compromised my financial standing but has also caused undue stress and inconvenience. 
The specific violations of my privacy and defamation of my credibility include : XXXX. Unauthorized Sharing of Personal Information : There have been instances where my personal information was shared without my explicit consent, leading to unauthorized inquiries and potential identity theft. 
XXXX. Inaccurate Reporting : The bureaus have reported incorrect information regarding my credit history, including but not limited to incorrect account statuses and payment histories. 
XXXX. Failure to Correct Errors : Despite providing documented evidence of the inaccuracies, the credit bureaus have failed to correct my credit reports promptly. 
These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have caused significant harm to my personal and financial well-being. I urge the Consumer Financial Protection Bureau to take immediate action against these credit bureaus to enforce compliance with federal laws and protect consumers like myself from further harm. 
I am seeking immediate rectification of the inaccuracies in my credit reports, as well as compensation for the damages caused by these violations. Attached are copies of my correspondence with the credit bureaus, along with supporting documentation. 
I appreciate your attention to this serious matter and look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. I want to emphasize that I never actually occupied the apartment for which I am being unjustly charged. Despite this, the apartment 's cost is affecting my credit report, and I have made multiple attempts to contest this with the relevant company. Their assertion that we reached a resolution is false, as no agreement was genuinely reached. I insist that the {$8300.00} collection by XXXX XXXX XXXX XXXX be promptly eradicated. The basis for this demand stems from fabricated claims of tenancy, as I never moved into the apartment. It's critical to note that no evidence has been presented to validate my occupancy there, despite my repeated requests for such proof. The actions of XXXX XXXX XXXX not only involve fraudulent activities but also jeopardize my well-being due to the unwarranted credit report, which is the sole obstacle preventing me from securing a safe living space. 

XXXX XXXX XXXX XXXX XXXX XXXX has egregiously infringed upon my rights by incorrectly reporting 12 instances of late payments. This erroneous reporting has had a significant negative impact on my credit score, thereby impeding my ability to secure housing and obtain credit. Notably, this pertains to a school loan, which by its nature should not have been disclosed publicly without my explicit consent. Furthermore, given that I was XXXX XXXX in school during the relevant period, my loan should have incurred a XXXX monthly payment. 

I engaged in a conversation with a representative from XXXX XXXX, who advised me to initiate a dispute in order to rectify this situation. I was assured that the late payments would be rectified and the account would be restored to good standing, rather than having 12 late payments inaccurately reflected on my credit history. I beseech that these unwarranted late payment entries be expeditiously expunged from my credit report. It's essential to underscore that my debt has since been consolidated and is no longer associated with XXXX XXXX 

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 to any 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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Mortgage

Our loan has been mismanaged from the beginning. The loan was acquired XX/XX/XXXX as a XXXX XXXX Pick a Pay mortgage through Wachovia Bank. At the signing of the mortgage they said our mortgage was wrong and need to be fixed ... they never fixed it ... we called and they were n't available, would n't return phone called, etc. XX/XX/XXXX-XX/XX/XXXX our mortgage company even though they held the escrow said they did not collect and came to us XX/XX/XXXX demanding a XXXX +escrow payment..our loan then spiraled out of control and we have been try to fix from the beginning. We were part of the Wachovia pick a payment class action lawsuit XX/XX/XXXX Class XXXX and they where suppose to dissolve our loan but that has set to happen even those they were ordered by a US district court judge to do so.There are tons of others in this same situation. We have been trying to refinance our loan since XX/XX/XXXX to no success due to no one wanting to touch our loan because of how messed up it is. We have never missed a payment, but every year our mortgage is always short and the bank cant explain why or where the money goes. We have tried and tried to work with them but they are unwilling to do so. We do n't want to loose our home due to the bank being at fault. Our loan is in its current state because of their negligence and we are asking for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX has been reporting on my account since XXXX of XXXX with a {$1000.00} credit limit. Never used but they show it never late paid on time. They are now reporting the account closed since I disputed it with the three agencies. The problem is I never had this account. I am sure its some kinda credit card but I have never had mail from XXXX XXXX XXXX. Either this is credit fraud or improper reporting to my credit report. If they so easily closed the account after my dispute with the three agencys then its not a problem them removing them self all together, or provide me proof I opened an account with them, and how I opened this account!
Product: Vehicle loan or lease

I am the victim of fraud. Please remove all fraudulent items immediately. My identity has been compromised three times since XXXX. During COVID and in XXXX, I have reported this to the local police department. in XXXX Mi as well as the FTC. I've also placed a freeze on all three credit bureaus here is a list of the fraudulent inquires and accounts number one is XXXX, XXXX, state of Michigan office XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Caine and wiener in which there is no lawful contract with the company has continued to contact after a cease and desist and will not produce the claim they have against the account the account holder or the original wet signature contract between both parties. This company obtained my private information without consent and authorization and now us unlawful reporting a account to damage the credit worthiness of the principal surety
Product: Student loan

I requested a School Misconduct discharge for my private loans from Navient from The XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. They denied my request of a discharge even though my federal loans have already been discharged due to a court approved ruling that my school was involved in misconduct. Navient 's denial response was vague and read : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ''
Product: Student loan

My loans were transferred from XXXX XXXX to Ed Financial due to the contract expiring. I get an email from Ed Financial, introducing me to their company. One problem, it was addressed to someone who is not me. I tried to register with my Social Security Number and SSN, and they were associated with the same incorrect name.
Product: Debt collection

In XX/XX/XXXX, Gordon , Aylworth & Tami , P.C . offered me a XXXX interest-free payment plan. I did not respond at the time. On XX/XX/XXXX, I accepted the offer by replying to the email. Later that day, I was informed that wage garnishment had already begun. 

I was surprised, as I had not received any prior notice of garnishment. Upon calling the firm, a representative incorrectly informed me that I did not need to be notified of the garnishment and claimed notice was sent on XX/XX/XXXX. However, both I and my employer confirmed that no such notice was received. Only after I raised concerns was the paperwork resent to me and my employer in late XX/XX/XXXX. 

XXXX began without proper notice or opportunity to respond, violating Washington XXXX law ( RCW XXXX ). I subsequently negotiated a XXXX payment plan in XX/XX/XXXX, freezing the balance at {$3000.00} with no additional interest or fees. Despite this written agreement, XXXX, XXXX XXXX XXXX continued to add unauthorized interest charges to the balance. 

I requested proof of mailing, tracking numbers, and compliance documentation, but did not receive the requested information. I respectfully request enforcement of the agreed settlement terms and review of the firms procedural violations regarding garnishment and debt collection.
Product: Student loan

My studentaid.gov account shows i have 6 college loans, 4 to XXXX XXXX of California - XXXX XXXX, and 2 to University of XXXX. My studentaid.gov says 2 of my XXXX  loans were canceled and never dispersed. 

Navient is/has been charging me for 4 XXXX XXXX loans, the 2 unknowns, have much higher interest rates. 

My 2 XXXX  loans on my studentaid say I owe {$13000.00} ( dispersed XX/XX/XXXX ) My 2 XXXX loans say I owe - {$11000.00} About the same for about the same time period, even though one was shorter and out of state tuition ... 

But there are these two other XXXX XXXX loans that were " given '' to me : 1 ) XX/XX/XXXX 1 month later for {$24000.00} and 2 ) {$3700.00} " given '' to me XX/XX/XXXX, 4 months AFTER the other 2 XXXX XXXX Loans were supposedly canceled. 

I have no idea where these other loans came from, and only recently noticed, because ive been trying to rebuild my credit and take better control of my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Equifax annual free credit report online today XX/XX/2018, and my date of birth is incorrect. They also have my current address listed as a former address and my former address listed as current. The only option offered to dispute this is a link to a website, https : //www.ai.equifax.com/, and the page won't load.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inquiry on my credit report that I did not authorize. According to 15 U.S.C 1681 section 602 A, I have the right to privacy regarding inquiries made into my credit history. Furthermore, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. 

I have attached copies of the letters outlining these rights for your reference. 

I request that this unauthorized inquiry be promptly removed from my credit report. 

Thank you for your attention to this matter.
Product: Checking or savings account

I have contacted Bank of America 6-7 times about overdraft fees.I get paid by paper check threw US mail, due to COVID everything has been backed up and I fully understand this. 
Bank of America has changed allot of its banking methods no longer can you access your funds until next business day even if you deposit in person, my check was on hold from when I deposited it on XX/XX/XXXX until after XXXX on the second of XXXX. 
I've been banking with them for years, same check for last 4 years into same account. 
I was charged overdraft fees for the following XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} x4 XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} x XXXX XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} x XXXX XXXX XXXX - {$35.00} When I called the bank I was told I should of had called sooner, even though I did call and got no help, I explained we are in a middle of a pandemic and i am really struggling and I need help I have XXXX children, I was dismissed.
Product: Debt collection

I contacted Jefferson Capital ( debt collector for XXXX ) on Monday, XX/XX/XXXX and reported this transaction as a fraud ( identity theft ). Amount of fraud is {$3900.00}. 
Jefferson Capital ( the company ) has reported this charge to the reporting credit agencies which is affecting my credit and job opportunities. 

When I called the company as mentioned above, I requested information, the following was only provided to me : the month and year of when the first transaction was made which was XX/XX/XXXX ; only given last four digits of cell phone lines ( could not give me the full phone numbers ) that were opened under my maiden name and current address which was incorrect. 

I informed them that this was a fraud and I was going to make a police report and inform them that I have reported to the credit reporting companies as a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax security breach according to their site equifaxsecurity2017.com ( as of XXXX XXXX 2017 ). They have mishandled my information and I would like to see the problem resolved.
Product: Debt collection

Bank : Synchrony Bank XXXX XXXX credit card ) Plaintiff Lawyer/s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Phone : ( XXXX ) XXXX My complaint as follows : I had a man come to my door, bang on it like a police officer, and ask me my name, then shoved an unsigned lawsuit paper in my hand, so I don't know who gave it to me. He then told me I have been served. The company, in this case, a bank, never sent me prior notice that they intended to sue me, just the rude man comming to my house. He looked like his eyes were filled with hate, and he was quite rude with how he spoke, his body language, and general demeanor. I was actually nervous, his vehicle had no markings indicating a sherriff or law enforcement and he produced no identification. I tried to contact XXXX XXXX XXXX via email when there website malfunctioned, when I tried to set up debt repayment. No response for XXXX weeks now. I feel as if this was a bit overkill for debt collection practices and I intend to hire an attorney to sue them for the bullying in this maner. I hope nobody else ever has this happen as it did to me, I still have aftershocks of XXXX  when I think about it. 

The message in parentheses is for CFPB and should be deleted prior to publishing to consumerfinance.gov. 

( If you know any good attorneys who will work pro-bono for part of the lawsuit settlement, please have them contact me at the phonenumber listed in my CFPB account after XXXX XXXX Monday-Friday, thank you for your time. )
Product: Mortgage

I prequalified for a mortgage with rocket mortgage. Signed no contract. It counted as 2 credit inquiries and lowered my score. I only applied one time within two weeks. Ive been trying so hard to keep my score up. Please help me.