23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I attempted to get a lower interest rate on my HELOC that BOA was advertising. After spending weeks answering questions and filling out paperwork the bank told me my house was not worth {$120000.00}. Therefore, they could not give me a line of credit for {$100000.00}, which was way more than I wanted to borrow. However, they would not give me the lower interest rate unless I could borrow up to that amount. I told them never mind but then they told me my old HELOC was no longer valid and made me sign for a new one I did not even want at a much higher rate. 

There is no balance on this account and I tried to close it because it was increasing my debt to income ratio. I called " XXXX '' on XX/XX/XXXX and she informed me they would close it and when I asked about any fees, she told me there were none associated. Reference # XXXX. I went to the bank a few weeks ago and talked to XXXX XXXX. He explained that my LOC was never closed and when we called their department, they claimed I had to pay a {$74.00} fee. I did not have my reference number. 
Subsequently, ( XX/XX/XXXX ) I called and spoke to XXXX at BOA. I provided the reference number and explained the situation. He told me it was a county fee and I had to pay it. I asked for a supervisor and was left on hold for over ten minutes. When he returned he said the supervisors were too busy to speak to me and too bad pretty much. Therefore, I thanked him and advised him that I would file a complaint. 

Significantly, I had went to XXXX a few months after applying at BOA for a HELOC and they estimated my home 's worth at 150 - 165,000. As a result, I think that BOA is conducting a bait and switch scheme by offering low HELOC rates and then duping the applicants into believing they do not qualify or their home is not worth enough. I have excellent credit so they could not disqualify me there, instead they claim my house isn't worth anything. Consequently, they then talk you into a much higher rate. And just to add insult to injury they want a fee of {$74.00} when I try to close it. Why had XXXX said there were no fees and now all of a sudden there is one? Also, don't they record your conversations for quality assurance? That's what the recording says ...
Product: Checking or savings account

On XX/XX/2021, I purchased an alleged " RTX 2070 '' computer graphics card for 494.22USD, and on the same day, I realized that I was being scammed because the person selling the card was impersonating to be someone else. I made clear to the scammer that I am canceling the transaction and wanted to have the funds returned. The scammer claimed that they have shipped the item to me, but I have never received anything, so I have nothing to return. The scammer claimed that they have shipped out the item via USPS, but I have turned on USPS informed delivery, and no package from them has ever come to me. I have also never received any refund. I have reported the fraudster to the FBI and the FTC, and my report is linked below. On XXXX the XXXX, Wells Fargo issued me a temporary credit, and they would not finish their so-called investigation for another XXXX weeks. Between XXXX the XXXX and XXXX the XXXX, I physically visited Wells Fargo branches multiple times, with the last visit dating sometime in late XXXX. The agent told me that they are " waiting for a response from the seller. '' On XXXX the XXXX, I received an email saying that they have reached a decision, but I would not be able to view the decision until they mail me the decision via a letter. Due to a family emergency, I had to travel and did not receive that letter, but today, when I am away, I realized that they have reversed the temporary credit for no reason. I have provided a transcript of the text exchange between me and the seller, another transcript of me talking to the person whose identity is being stolen, and telling me that the seller is illegally impersonating with their identity. I have also provided both the FBI and FTC reports, and even the XXXX agent has told me that their account will be terminated for misuse. I found it preposterous that this investigation takes almost XXXX months with the bank siding unfairly to a scammer. The claim number that Wells Fargo gave me was XXXX, and the corresponding XXXX case number was XXXX XXXX
Product: Student loan

I stopped receiving notifications regarding the balance owed to lender. Over the past previous months I sent several payments but they were not acknowledged. Please assist. History of payments : XX/XX/XXXX ref XXXX XXXX, XX/XX/XXXX ref XXXX XXXX, and XX/XX/XXXX ref XXXX XXXX. The first 2 money orders were from XXXX XXXX XXXX and the last was from XXXX XXXX XXXX XXXX.
Product: Debt collection

Equifax credit reporting showing duplicate account for same amount with two different collections companies Had same issue before and after several disputes regarding duplicate debit one of two was removed Sent XXXX XXXX office letter to medical company to contact third party who was responsible for paying the original amount, never received any response. 
Filed a XXXX  COMPLAINT and XXXX final closed because creditor would not respond back. 
Now a new collections agency has filed with Equifax for duplicate debit. 
XXXX XXXX is not providing any information on who the collections agency are My correct tele # is XXXX nowhere to correct it
Product: Debt collection

I disputed the debt months ago through XXXX XXXX. I updated my correct address right then. I never received any information or a letter in the mail. I called XXXX XXXX XX/XX/XXXX at XXXX pm. Rep advised me that debt validation was sent out and they received dispute. They had incorrect address, I gave them correct address. They said allow 10 days for it to be in the mail because they had to receive information from original creditor. This whole time the debt was never removed from my credit report and they stated they did receive my dispute. XX/XX/XXXX at XXXX pm I called again and confirmed that they did update my address correctly, they did. It is now XX/XX/XXXX, I have no debt validation and the information is still on my credit report. XXXX XXXX failed to comply within the legal guidelines ; according to my consumer rights I demand this debt be taken off my credit report, permanently. 

I attached proof of my calls
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023 there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by XXXX, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Omit the following employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion. 

Kind Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card

I applied for a Capital One Platinum card XX/XX/XXXX and was approved for {$500.00}. The card is advertised as one for consumers with bad to good credit that need a card to bolster their credit history and score, and that 's what I did. Since XX/XX/XXXX, I have consistently requested credit limit increases, and have been denied. I have received XXXX increases in XXXX years, XXXX for {$250.00} and XXXX for {$1000.00}, the last being XX/XX/XXXX. Since then, when I request an increase, I am given various reasons for the denial and I have attached the documents. The last time I called and talked with an Account Manager, I was told that I need to use the card and then I would get an increase! I think this is totally unfair and unlawful.
Product: Mortgage

On XX/XX/2020 I received a letter from BofA stating that if I paid for a appraisal and my LTV was 80 % or below I could cancel my PMI. I sent in the required documents and a appraisal was done. I received another letter dated XX/XX/2020 that they had received the appraisal and my request to cancel my PMI. ON XX/XX/2020 I received a letter stating my XXXX needed to be 75 % before I could cancel my PMI. This is a primary residence and it should be 80 % XXXX. I'm currently at 78 %. I have contacted them on several occasions with no help.
Product: Debt collection

Received notice of data breach from XXXX on XX/XX/2023 then lost a casino job claiming my paid off credit card was maxed and in collection from gaming commission seeking solutions
Product: Student loan

I have disputed this with central states recovery and the school who placed the debt in collection I was enrolled in classes and my classes were not dropped and I were charged the debt agency has not provided any information disclosing my obligations to pay this amount in collections Also the agency still has the account as in open status reporting in my XXXX credit report which this was removed from the other credit reporting agencies This account should be removed from my credit report and I should not owe any obligations to the creditors placing to collect the debt I provided a copy of my credit report from XXXX  were it was on my credit report and it was removed I provided a copy of my report in XXXX  showing the account Is in open staus This account is not in open status XXXX XXXXXXXX is reporting inaccurate information on my credit
Product: Credit reporting or other personal consumer reports

XXXX and Equifax continue to violate federal law not investigating the errors, security frauds, and identity done by XXXX XXXXXXXX auto finance as well as the inaccuracies being reported on the credit file. XXXX removed the reporting reference Report # XXXX, now transunion and equifax needs to remove this reporting within 3 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with JPMCB for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report.
Product: Debt collection

Did not do any contracts with this business and i don't know what this about.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I submitted a validation request to XXXX XXXX. I Never received a response. I then sent XXXX a letter to either validate the alleged debt or remove to it. XXXX did nothing. This is an FDCPA Violation, FCR Violation and HIPAA violation. Ive included the correspondence as well as the credit report.
Product: Debt collection

I have not received any documentation validating the debt that they are trying to collect. I have not been provided with contract or any instrument bearing my signature validating that the debt is mine
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. 
Account name : XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
Account name : XXXX - XXXX # XXXX XXXX XXXX XXXX. 
Account name : # XXXX XXXX # XXXX XXXX XXXX XXXX. 
Account name : # XXXX - XXXX # XXXX XXXX XXXX XXXX 
has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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: Student loan

I went online to make my payment and decided to check the capitalized interest. How in the  XXXX  is Navient able to charge so much  XXXX  interest I HATE this company, they come from  XXXX . They are not even trying to help students pay off their student loans. On  XXXX / XXXX / XXXX , {$250.00} in capitalized interest was added to my balance. Then on  XXXX / XXXX / XXXX , {$890.00} was added to my balance. These people are absolutely horrible. Another problem, why the  XXXX  do they have to have your bank information. There should be options, I do n't like making payments with my bank information. I want my account reviewed and I want the  XXXX  interest reduced! This whole student loan industry is created on thievery!
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX   - XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XXXX      XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Please remove these inquiries from my credit report immediatel y
Product: Debt collection

on XX/XX/2018 I received several alerts that my XXXX score decreased, I checked both monitoring companies and both showed a collection company named ERC. ERC reportedly has a {$63.00} collection unknown to me, it also showed the original creditor was called XXXX XXXX XXXX which I've never done ANY business with. I called ERC to resolve this issue and I gave the lady my ss # and she said it my name XXXX?, I said no my name is XXXX that's my government name and I don't go by XXXX. The lady responded and said since I was XXXX she couldn't speak to me about the account and gave my their customer care email to contact with any documents stating otherwise. I don't have no clue who chapter XXXX XXXX XXXX is and want this resolved and removed from my credit file immediately.
Product: Debt collection

I have been working with a legal firm, XXXX XXXX, to resolve a debt owed to Republic Finance. There was a judgement against me which was handled by Attorney XXXX XXXX phone # XXXX. A payment of over a thousand dollars was made to the office of XXXX XXXX by XXXX XXXX and I made an additional payment earlier this month as agreed. This morning I looked at my bank account and it had been completely garnished, along with my savings, and the two savings accounts of my XXXX adult children. 

I have acted in good faith and made every attempt to make payments and resolve this issue. At this very moment I can't even buy groceries or put gas in my car because these unscrupulous people have taken all my available funds. How can I work and function to resolve this when I can't buy groceries or put gas in my car to get to work??
Product: Credit reporting or other personal consumer reports

Could you please erase these inquiries? I am not acquainted with this matter, and the company 's actions were taken without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for nel net and dept of education to change the balances on the loans I have a XXXX XXXX. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing to you to request a goodwill adjustment for a late payment that is on my account. I always make my payments on time and make every effort to fulfill my financial responsibilities, but the past year has been a hardship for me losing my mother to XXXX and caring for my XXXX sister. At the time of these late payments, I was laid off from my job due to unforeseen medical issues, and still made the effort to make my monthly payment although I am still out of work. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicater of my actual historical creditworthiness. I have been a happy customer for many years and I hope to continue a long relationship with your company. I hope that you are willing to work with me on erasing these marks from my credit reports. 
I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments. 

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

It says an account with optimum was opens this past XXXX and today I got a hit on my credit score due to non payment.
Product: Debt collection

I subleased my apartment to XXXX XXXX when i moved Back to North Carolina in XXXX of 2017 however the amounts are bills to me from pro collect for over {$600.00}