23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After receiving Loan Estimates on XXXX, XXXX, and XX/XX/XXXX that were all consistent, we received a Closing Disclosure on XX/XX/XXXX that was higher than the loan estimates. We were assured by our lender that we should just sign this form to ensure we have it signed at least 72 hours before closing on XXXX. Our lawyer told us that the closing disclosure numbers are not final, which is not our understanding of the Consumer Financial Protection Bureau 's direction that we should have an additional 3 business days to review changes that occur in the closing numbers after the closing disclosure. 

On XXXX at XXXX XXXX  CT, we received an XXXX from our lawyer with several changes from the closing disclosure and with closing scheduled on XXXX at XXXX XXXX  CT, so only ~26 hours ahead of closing. I responded on XXXX at XXXX XXXX  CT by email and asked a series of specific questions about the XXXX  and changes I noticed. I then sent several other follow-up emails throughout the day but didn't hear back from my lawyer until XXXX at XXXX XXXX  CT. She responded to a few questions but did not respond to all of them. I responded on XXXX at XXXX XXXX ( nearing a few hours before closing ) and asked for line-item responses and never received them. 

On XXXX at XXXX XXXX  CT, we received an updated XXXX  that was slightly different than the one from XXXX at XXXX XXXX  CT. This was supposed to be our final XXXX and significantly differed from the Closing Disclosure from XX/XX/XXXX. We expressed to our lender, our lawyer, and the escrow agent that we were uncomfortable with the numbers and the pressure to sign the closing documents. We were at closing for over two hours, and the escrow officer indicated to us that if we didn't sign soon that it was unlikely everything would be processed before the holiday weekend. Ultimately, we felt powerless in this process and that we could not negotiate anything or advocate for ourselves but either had to sign or wait until after the holiday weekend and push things back with no indications anything would be different for us. 

We expressed after the fact to the lender ( Cross Country Mortgage ), to our lawyer, and to the escrow agency ( XXXX XXXX ) that we felt we had been mistreated through the process. Everyone pointed the finger elsewhere and told us there was nothing to do. When we brought up the 72 hour CFPB rule for changes to closing costs and requiring an additional 3 business days be supplied, we were told that it didn't apply to our situation. 

Our title fees increased from a total of {$3300.00} on the XX/XX/XXXX closing disclosure to {$3700.00} on the XXXX XXXX, an increase of {$690.00}. 

Our total closing costs paid at closing increased from {$10000.00} on the XX/XX/XXXX closing disclosure to {$15000.00} on the XXXX closing disclosure. 

These last minute increases are exactly what CFPB is supposed to protect consumers from. None of the parties involved had any intention of changing these increases for us or doing anything to protect us from them.
Product: Student loan

I have for years been paying back my student loans at over {$500.00} a month. When XXXX XXXX sold my debt to Navient, it became much harder for me to deal with my loans. I have had several issues with Navient and their harassment. Last week I received an email from them notifying me that my monthly loan payments would be going up again as of XXXX XXXX, 2016. Of course there was nowhere online in my account with them that I could find out how much I would be paying -- the email only said I should " make sure the funds are available. '' When I called Navient to find out what that new payment would be, they told me I would be paying, monthly, {$1800.00}. When I told the agent this would be an impossible payment for me to make, and asked her how I am supposed to manage that, she said " I 'm sorry for your inconvenience. '' That happens to be the nicest response I have ever had from them, and still, insufficient. In the past, when I have tried to negotiate a more reasonable rate, they actually argued with me and said " you pay your rent, do n't you? You have money for food? If you have money for those things, you must have money for this. '' How can I get them to agree to a reasonable monthly payment that I can afford without going hungry or risking not being able to pay my rent? This is an obviously impossible payment. I simply do n't have or earn that kind of money. It took me a long time to come to a point where I could manage to make a monthly payment of more than {$500.00} but I simply can not pay more than that ( and frankly, do n't know anyone who could afford more than that ). They are totally inflexible, will not work with me on a payment I can make to them. The only thing they said they could do would be to extend my repayment time and bring the monthly payment down to {$1000.00} per month -- still impossible for me. That 's an entire apartment 's rent! I am concerned because I have been paying consistently and am worried now that I wo n't be able to make these payments and they will begin once more to harass my family. Previously, they called my father a dozen times a day, seven days a week. They then somehow learned about my siblings and, again, somehow, got their employment information and began calling both my brother and my sister on their mobile phones and at their places of employment -- which is completely unacceptable. They could lose their jobs. My mother is very ill, and the stress that comes from dealing with Navient and their harassment is detrimental to her health. They sent my father a letter in the mail saying they were going to come after his house. Is any of this even legal? How can they call my siblings, who have nothing to do with my loans, at their places of employment? This battle I have had with Navient has been a long XXXX and it is just getting harder. I am at a loss for what to do. I want to repay my loans and live in peace, but their making the unadjustable payments impossible for me to make does not help me to do that, and it does n't help them to get the money.
Product: Credit reporting or other personal consumer reports

I got notifications from capital one that a credit card was opened in my name and I reported this at the police station. I also notified the credit card company that this is fraudulent as I do not request this card. They also informed me that the card was now closed. 1 month later my credit score dropped with over XXXX. This is heartbreaking. Please assist The last time that I own a credit card from this particular credit card company was over 3 years ago. I informed them that I do not want to do business with them anymore and to cancel all card.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to XXXX XXXX Experian and XXXX  a ( XXXX XXXX XXXX late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of fraud I set a freeze on my credit. 

XXXX XXXX I decided to remove it. 

There is no way to do it online but there is a phone number listed. The number goes to a machine the simply recites the instructions for lifting the freeze by mail. It states it can be done online but provides no instructions. 

I logged into my account several times and called twice, to no avail. 

The machine refused to transfer me to a live representative stating " I can only do that under specific circumstances ''. 

According to this website this action should be able to be performed in real time without sending my personal information through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.com/XXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.com/XXXX ).
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS 15 U.SC181 SECTION 602. I HAVE THE RIGHTS TO PRIVACY 15 USC 1861SECTION 604A SECTION 2 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCONT WITHOUT WRITTEN INSTRUCTION 15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENT ON OPEN CREDIT CARD ACCOUNT AS LATEON CONSUMER CREDIT PLAN ON ANY PURPOSE
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$2300.00}
Product: Money transfer, virtual currency, or money service

PAYPAL CLOSE MY ACCOUNT FOR NOT REASON AND WILL NOT HELP ME WITH GETTING IT BACK UP AND GOING. 

PAYPAL ASK ME FOR VERIFY MY IDENTY AND AFTER I SENT ALL DOCUMENT THE SYSTEM CLOSE MY ACCOUNT AUTOMATIC I UPLOAD THOSE DOCUMENT. 

I CONSIDER PAYPAL IS NOT DOING HER JOB FOR HELP CUSTOMER TO RESOLVE THE PROBLEMS. 

NOW THEY DIDNT TAKE MY CALL S, THEY NOT REPOND MESSAGE. 

i never had any problems with my account. 
i just add money for buy online but the company just locked without any reason. 

my email is XXXX. 
THE REFERENCE CASE IS XXXX THIS COMPANY IS SCAMMER. 
that why i file this complaint.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$58.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$990.00} XXXX XXXX Balance Owed : {$480.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Ref # XXXX, Due to Bank of America incompetence 's I can not used my XXXX credit XXXX This morning I placed an order for an item and my purchase was declined. Not due to any fault of my own. 
Yesterday I received a phone call from a bank representative informing me that my complaint was assigned to her, and I will not receive a response from her until XX/XX/2022. Your website states that a company has 15 days to response to a complaint. I am being penalized due to no fault of my own and my credit report will be impacted due to bank of America careless. I have waited since XX/XX/2022 through XX/XX/2022 and this issue is still not resolved. 
Neither the bank nor its representatives care that their non- action is affecting me negatively and they are not willing to do anything to resolve it. Where is the justice in this situation? I need to have this issue resolved immediately and a notice sent to the credit agencies to remove any derogatory reporting from chase bank from my credit report. I have a good credit report and score and should not be subject to any derogatory reporting. I further believe that because I am a XXXX customer, I am experiencing such bad service. As I have stated I have been trying to resolve this issue since XXXX, XXXX, XXXX and XX/XX/2022, and now I am being penalized. If I was a white customer, would I have this problem? 

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

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I wish to bring to your attention the violations committed by the following accounts, which have infringed upon my federally protected consumer rights to privacy and confidentiality as stated in 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unde

r 15 U.S.C 1681, Section 602 A, I maintain the right to privacy, which has been compromised in this situation. Furthermore, according to Section 604 A, Section 2 of the same statute, a consumer reporting agency is prohibited from furnishing any account without my explicit written instructions.

Additionally, in accordance with 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is explicitly stated that no consumer reporting agency is permitted to include certain types of information in a consumer report. This includes any adverse item of information, except for records of crime convictions that occurred more than seven years prior to the report. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish inaccurate information relating to a consumer to any consumer reporting agency, provided they are aware of the inaccuracy or have reasonable cause to believe so. 

I trust that you will address these violations promptly and take appropriate actions to rectify the situation. Thank you for your attention to this matter.
Product: Debt collection

XXXX    XXXX    XXXX   XXXX   XXXX  opened date is  XXXX  this item I 'm not aware of was just given  to King Credit Services ad ded  XXXX  then given to   XXXX   and sent to  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 )
Product: Credit reporting or other personal consumer reports

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Product: Debt or credit management

Joined in XXXX of XXXX based on videos I saw of results. I joined under the promotion price of a 1 time payment. I paid that but then was told that there is a monthly subscription in order to keep my credit report updating for them. This was not disclosed in the advertisments but I went ahead and signed up. First 2 months were ok and saw only 2 minor items deleted. Nothing to do with collections or other accounts. I was then told that due to me having 3 or more disputes, I was automaticlly included in a lawsuit aginst the three credit bureaus. Shortly after, I got an email stating I needed to now pay to be part of that. Then a few months later, I got another email that stated the program was being reinvented and needed to pay another monthly fee in order to dispute collection accounts. This has led to no improvement of my credit and costed me hundreds of dollars that I could have used elsewhere. I requested to stop services in XXXX of XXXX by emailing XXXX XXXX directly. I did not hear anything from him and was charged again in XXXX. I again emailed XXXX and nothing. I then reported the charge to my bank after 3 days to which they did their investigation and refunded me the amount. Only problem is, I do not know if I will be charged again in XXXX.
Product: Credit reporting or other personal consumer reports

Im incredibly disappointed and frustrated by the ongoing errors in my report. These inaccuracies are tanking my score, creating unnecessary setbacks, and depriving me of better opportunities. Its infuriating to feel stuck because of information that doesnt belong there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following address on my Equifax Credit Report is incorrect and does not belong to me because I have never lived in XXXX. The following address is as follows : Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

I have only lived in XXXX, XXXX, and XXXX. 

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

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company fraudulently duped me into a credit card without my knowledge. I never signed a contract or had prior knowledge of a impending sale or transfer to XXXX XXXX XXXX or whatever name they go by. 

I had a {$7000.00} Credit Limit with Kay Jewelers which never exceeded {$6400.00}. The new company caused so many problems that my loan was sold to any attorney XXXX XXXX XXXX whom I settled with & had deleted from my credit profile. 

This fraudulent Ad / XXXXXXXX XXXX Kay Jewelers Company keeps reporting fraudulent information stating that I held a highest balance with them of $ XXXX then more recently $ XXXX I've tried to dispute this erroneous information & I've even called them to personally ro express my concern & dismay about this fraudulent information. 

This is my final attempt before seeking legal means to delete this from my credit profile forever. 

I am aware that others have had the same issue that I endured. ( See Below ) XXXX XXXX /XXXXnews/sterling-jewelers-comenity-bank-hit-with-class-action-over-phony-store-credit-card-sign-ups
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

Bankruptcy Reinsertion Also, there's an instance that the bankruptcy is being re-inserted in my credit report. It was disputed and has been deleted. It has defamed my character to lenders, held me back from getting my home and a host of other things.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX