23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I would appreciate it if you could remove these inquiries. I don't know anything about them, and the company proceeded without my approval.
Product: Mortgage

In XX/XX/XXXX I contacted AmeriSave Mortgage. I was contacted by an agent by the name of XXXX XXXX and proceeded to fill out their online documents and provide them my credit rating from all three agencies. I paid them {$500.00} to have my home appraised in my attempt to refinance.I was told I would receive a rate of 2.5 % fixed fee with no points and that my total " all in '' would be you approximate {$4000.00}. 

I was attempting to refinance my home with the maximum amount available, {$520000.00} at the time, without becoming a balloon type of loan. My home appraise for more than four times that amount. All credit bureaus reported excellent credit. I've lived in my home for 20 years.I showed other assets capable of playing the loan at any time. 

We are now moving into XX/XX/XXXX I have yet to receive a locked-in rate or closing date for this mortgage refinancing. 

I am concerned that this is nothing more than a boiler room operation marketing itself as a " digital mortgage company ''. I became concerned in XXXX when I had filled out all the documents only to be asked for the same documents. 

I contacted XXXX XXXX and asked him what the delay was. He indicated he didn't know but his computer told him it was something to do with the title and he would get back to me. He never has! I've since asked for my {$500.00} back. I have not heard anything concerning that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on one of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate ( s ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance XXXX XXXX  {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.
Product: Bank account or service

I have XXXX separate investment accounts ( XXXX personal and XXXX IRA ) with BMO Harris Bank. 45 days ago I sent instructions to transfer all money and equities to XXXX XXXX. In the last few days, XXXX XXXX has made numerous telephone requests for any information and has only received run around remarks such as " I do n't know '' or " I have no idea who you can call '' or " I do n't have that information ''. Obfuscation, foot dragging and total fiducial irresponsibility by any measure -- -no professionalism and possibly theft such as loss of opportunity profit. BMO deserves to be penalized for lack of acceptable minimal procedures and ethics.
Product: Student loan

I went from owing {$800.00} ( something ) to owing {$1200.00}. The interest on the loan is@4.75 %, even with missing payments, it does n't justify the increase in the loan amount. Also, I can no longer see what was owed when payments were made.
Product: Mortgage

My husband, XXXX XXXX and I, XXXX XXXX had a mortgage loan with XXXX XXXX. The loan was sold or assumed by XXXX XXXX. We did not receive the new payment information in time for us to make the payment to the new lender. We missed it by one day and they reported it aas a 30 day late. We paid that loan of in XX/XX/2015. Freedom Mortgage is reporting that the loan is paid off but stating over the various credit bureaus that we are 30 days behind but showing it as 30 days for different months under my name XXXX XXXX & my husband 's name XXXX XXXX making it look like we have 4 30 day lates. The account with Freedom Mortgage is XXXX. This was a joint loan that was acquired by XXXX XXXX. The item from our report shows the variation between XXXX and XXXX XXXX. XXXX doesnt have loan XXXX reporting to them. XXXX  is stuck at a 30 day late with the balance showing. For XXXX XXXX, its updated to a balance not owing but your items shows paid where XXXX XXXX is stuck in the 30 day late position. Plus, with XXXX XXXX, the 30-day late history differs. XXXX XXXX, has the dates at XXXX & XX/XX/2015 late and XXXX XXXX at XXXX & XX/XX/2015. This makes us look like we were 4 times 30 days late which is not true. This has caused us to pay a higher interest on all of our purchases since XX/XX/2015 and now prohibiting us from purchasing a new home. Please help us fix this error. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Re : Dispute of Improper Investigation and Re-Reporting of Closed/Charged-Off Accounts, Incorrect Name, and Incorrect Address on Experian credit report Under FCRA To Whom It May Concern, I am writing to formally dispute the improper handling and investigation of my credit report accounts. I have previously disputed the following closed and/or charged-off accounts with Experian, Incorrect addresses, and multiple names on my credit report, but they were improperly re-reported on my credit report after being removed. Additionally, I did not receive any notification of the results of the investigation within the XXXX period required by law. The accounts in question are : XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX Account # XXXX XXXX. XXXX  XXXX  XXXX XXXX Account # XXXX XXXX. XXXX  XXXX  XXXX XXXX Account # XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Incorrect Name : XXXX XXXX These accounts were removed from my credit report following a dispute, but they were subsequently re-reported without the proper investigation or notification of the findings, in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) which mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information. 
15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) which requires that I be notified of the results of the reinvestigation within XXXX  days.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) which specifies that if information is found to be inaccurate or incomplete, it must be corrected or deleted.

As a result of these violations, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these actions and take appropriate corrective steps. Specifically, I ask that : XXXX. The CFPB conduct an investigation into the improper reinvestigation of these accounts by the credit bureaus and their re-reporting on my credit file. 
XXXX. Confirmation that I will receive proper notifications of the findings of any future investigations within the XXXX timeframe as required by law. 
XXXX. Prompt removal or correction of any inaccurate or incomplete information on my credit report, including these disputed accounts. 
My personal information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Email Address : XXXX Date of Birth : XX/XX/XXXX Please let me know if any further documentation or information is needed to assist in your investigation. I uploaded and provided a copy of my Drivers ID and My SS card with my correct, full, and only name with my correct and only address. I appreciate your prompt attention to this matter and look forward to a resolution. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

THIS DEBT FOR XXXX HAS BEEN RESOLVED PER THE XXXX. THE DAYCARE DID NOT FOLLOW THE PROPER BILLING PRACTICES AND PLACED THE DEBT IN COLLECTIONS. THE DEBT WAS ALSO PLACED ON MY BANKRUPTCY TO BE REMOVED. IT HAS NOT BEEN REMOVED.
Product: Money transfer, virtual currency, or money service

Unauthorized money transfer, could not cancel nor refund money transfer.
Product: Vehicle loan or lease

Since XX/XX/XXXX I have requested to the financial institution a letter of pay off. They have said that they have sent the letter since that day. And today I called to reassure of the letter and they do not want to send me the letter by email. They are saying that they have sent the letter by mail. To me it is very important to have this letter in my possession that states that I owe nothing to Westlake Financial and to make sure that the balance is XXXX in my account. So it can be reported to the credit bureau. Today I received a Marshall to reposes the vehicle. Which I understand is incorrect. This case me XXXX because Westlake is not working on the right way. The first thing they had to send that letter it was me. The person that I spoke today of the compliance dealer told me that they had nothing to do with that. When as of right now I do not have any evidence that in reality the dealership repurchased the contract for the vehicle.
Product: Student loan

My Federal Student Loan ( FFELP ) was transferred to NELNET on or about XX/XX/XXXX while in default and after the COVID pause on federal loan payments had taken effect. NELNET subsequently " reclassified '' my loan as " in repayment '' despite the fact that I had made no payment since XXXX and had never completed a payment schedule that would rescue my loan from default. 
In XXXX of XXXX, NELNET mailed me a debt collection letter demanding I pay {$150.00} in monthly payments. This was the first time I had heard of NELNET. I subsequently learned that the Department of Education had before de-listed them from approved student loan servicers because of their illegal activity ( only to be re-instated later ) and that NELET was the Defendant in an ongoing Class Action Complaint in Nebraska Federal Court. 
Despite the illegal mis-classification of my loan as non-federal and in non-default status, I worked with them to repay what I could. My belief is that NELNET intentionally accepted defaulted loans and illegally reclassified those loans as " private '' or " in repayment '' so as to avoid the federally mandated COVID pause in repayment and deny Income Driven Repayment Plans ( " IDR '' ) capriciously and illegally. 
In fact, NELNET approved a {$0.00} per month IDR after two application from me on XX/XX/XXXX ( see attached ). After approving ( rightly, as I am self-employed, with income that is inconsistent, and does come within {$15000.00} of the average American 's salary ) my IDR, they denied it again. I submitted two more IDR applications that were entirely complete with attached income stubs/statements for both my wife and myself. in the middle of there applications, NELNET approved a one year forbearance, which they subsequently and unilaterally shortened without explanation ( see attached ). I submitted three ( 3 ) email IDR applications and all copies of income were legible ( attached ) and subsequent to their prior approval of same. 
NELNET seems to have no rhyme nor reason to their actions, as I would get letters regularly that contradicted themselves and stated things that were not true, such as " we need a legible copy of your pay stubs '' when they had been printed off the internet and attached to emails I sent them. My wife signed a statement disclosing her income, of which I have a copy, and NELNET claimed she didn't. Random and arbitrary fraud, is when NELNET is engaged in. Placing me in forbearance for a year, then reducing it to a few months was not only fraudulent, but illegally increased my interest, when I should have, and was approved for, an IDR. 
The entire experience with NELNET is why student loan borrowers are so upset, and since most loans are federal, they will ultimately blame the current administration for NELNET 's failings, which is sad. NELNET is acting opposite of the Biden Administration wishes, and should not be allowed to service loans.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Mortgage

As part of our regular monthly payment, we have included additional money towards principal pay down. From XXXX to XXXX, besides our normal monthly payment, we have sent {$150.00} specified towards additional principal. However, in the Bank of America statement, the {$150.00} does n't get applied toward principal, instead it gets categorized under " unapplied funds '', then used to reduce our monthly payment. If this is the case, then Bank of America is not applying the {$150.00} towards our principal pay down. We are not aware of any loan terms that say we ca n't make payments towards principal pay down.
Product: Bank account or service

RE Case number XXXX On XX/XX/2016, I hired XXXX XXXX XXXX XXXX XXXX XXXX. XXXX to fix my AC unit. It was n't blowing cold. XXXX XXXX sent a technician and they replaced the blower motor. 2 Months after the repairs, the AC unit stopped working. I called the company and they sent someone. The technician told me that the blower motor they installed 2 months ago was failing again. He opened the furnace and I believe " smack '' the motor and got it working again. 
A month after his visit, the blower motor totally stopped working. I checked the company review on their website and found out I was not the first person to complaint. They have been defrauding other customers. 
My bank supposedly has fraud protection. I have contacted a case has been opened and nothing has been done. 
We have been without AC for over 2 months now. My daughter has XXXX and we can not keep ourselves warm in cold days. 

Please help us. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance {$XXXX} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$XXXX} Open Date XX/XX/XXXX XXXX & XXXX XXXX XXXX {$XXXX} Open Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$XXXX} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX inquiries XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

This company was contracted by XXXX XXXX to collect on a debt originally owned by XXXX XXXX XXXX. Unifin & I came to a settlement amount of {$2600.00}. This was in XXXX of 2020. On XX/XX/XXXX I obtained a Cashiers check in that amount. It was then mailed to Unifin and delivered on XX/XX/XXXX and deposited on XX/XX/XXXX. It officially cleared the account on XX/XX/XXXX. The first week of XXXX, a call was made to Unifin to get an update as I had not received a receipt nor anything stating this was now settled. They claimed the check bounced and that they shredded the check. How did they shred the check? Even if a cashier check could bounce, how did they get the check back from the bank to allegedly shred it? Cashier checks are prepaid instruments, and unlike a personal check, they do not bounce. Unifin then claimed that they shredded the check. I was baffled by this because if this was sincerely true, they would have called or sent a letter. They had no hesitation in calling or sending a letter when attempting to previously collect a debt. They then told me that since the money never left my account, I should go ahead and just pay with my debit card. After arguing with them for some time and telling them that cashiers checks do NOT bounce, they said they'd investigate and give me a call back. When they called back, they told me they were still investigating. In the mean time I called my bank ( XXXX XXXX ) who told me an attempt had been made on the cashiers check as an ACH debit which resulted in it being declined. My bank then told me the check cleared the account on XX/XX/XXXX and provided me with a written letter and proof. Yet Unifin denies this despite the check being clearly stamped " Unifin for deposit only '' ( which XXXX provided me with a company ). To this date, I hace not heard from Unifin. Since all calls are recorded, I encourage you to pull the tapes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Investigation was ignored unresolved. 
Accounts DONT belong on my consumer report. 
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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Name is XXXX XXXX my number is XXXX I have not been able to do anything or get anything with my credit report because of identity theft which I have filed before back in 2003 and still on and off. So hopefully I can actually get some assistance with this this time last time the change XXXX XXXX XXXX with identity theft but no credit agencies fix my credit but yall keep allow him to get stuff in my name even after I have reported it. Know hes back to his old tricks and I found out hes up to it again. His current address I found out is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX North Carolina XXXX. And phone number XXXX XXXX XXXX XXXX also have aliases
Product: Credit reporting or other personal consumer reports

These accounts are not mine and were opened fraudulently. I need them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.