23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am trying to access my loan information via their website, XXXX XXXX XXXX The XXXX  part of their website is broken and not letting me get in to obtain my loan information for tax purposes. Their " customer service '' is off, so I don't know where to turn. It seems like these loan companies can just do whatever they want without any repercussions. I just want access to this loan so I can do my taxes.
Product: Checking or savings account

I opened up a Citigold package account in XXXX 2021 which would give me {$1500.00} bonus once I have {$200000.00} combined balance In there and keep the balance for 90 days. I completed the requirements and hadnt see my bonus posted yet. I called when I opened the accounts and I was told she can see the code. I called in XXXX and the representative assured me the bonus will be posted within 6-8 weeks after I completed the requirements which has passed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation mu information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 
Please be sure that my address is listed correctly. 
My Address : XXXX XXXX XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is : ( XXXX ) XXXX DELETE any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX WITHOUT RECOURSE Enclosed : copy of State ID and Insurance bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has been charging me {$24.00} per month to be a paid member of their credit reporting services. Trans Union has done nothing but take hundreds of dollars in my hard earned money. After reading and reviewing my Trans Union credit reports, I discovered there are a lot of derogatory and negative trade lines on it that do not belong to me and I never signed for or did I ever conduct any business with these companies. 

Being a paid member I have requested by telephone from Trans Union to refund me all of my money that I have spent and they refused to refund me anything. I am unable to open any online disputes on the Trans Union website, I had to print out my Trans Union credit report and check off all of these derogatory and negative trade lines on it and I had to send it in the U.S. mail to Trans Union. They informed me it would take 30 days to investigate everything and they would send me an updated credit report in the U.S. mail and I never received anything in the U.S. mail from Trans Union.

I am demanding that I receive a full refund and my Trans Union credit report is cleared of all of these derogatory and negative trade lines that do not belong to me or I have ever been associated with. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND MY CREDIT FILE IS LEFT TO SUFFER THE CONSEQUENCES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1300.00}, XXXX XXXXXXXX Balance : {$7000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX XXXX Balance : {$84.00}, XXXX XXXX  Bankruptcy Reference # : XXXX Date XXXX, XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

This company felled to send me a 1099 when they filed a 1099 on my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian continues to report an inaccurate address on my file despite numerous request to remove it. Attached is a copy of my utility bill showing my address.
Product: Mortgage

I purchased a new home in XXXX. Everything as far as the escrow account goes was handled by the lender Imortgage. Well I noticed my payments had changed in XXXX so I called and asked to make sure everything was fine. I was assured that yes, everything was fine and that the payments dropped a little because the taxes went down. She informed me that this can happen with new homes since they often put more in escrow to cushion any tax increases. They then sent me a XXXX dollar check saying that I had paid too much into escrow. That was in XXXX XXXX. Fast forward to XXXX XXXX, I check my bill to pay online, and it says I own {$4000.00}!!! I call and XXXX in customer service told me that the taxes last year were not paid, and that I was paying back the advance they paid. I told her there was no way I could afford this and why did this happened in the first place! Is n't someones job to make sure the escrow is correct! I had called last year to confirm even! I am a new home owner so all of this tax and escrow stuff is pretty foreign to me, so I naively agreed with the rep last year that everything was okay. So now I am here with a XXXX dollar increase to my mortgage payment and that 's the best they can do as the " investigate '' and rerun the analysis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to three major credit bureaus about inadequacies on my credit report to which i disputed. I did not authorize the hard inquires, or any deliquent credit reporting on my account : I would like the following items removed from my credit report. 

DEPT. OF ED/XXXX XXXX  XX/XX/XXXX ACCOUNT - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXX HARD INQUIRY : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I became suspicious when multiple banks denied my applications for new credit cards, despite my history of always paying my bills on time. Upon reviewing my credit report, I found several items that I do not recognize, including unknown addresses, phone numbers, and accounts. Specifically, I do not recognize the following : XXXX. Multiple addresses XXXX. An unfamiliar phone number XXXX. A loan account with XXXX XXXX XXXX and XXXX XXXX Bank XXXX. Various soft credit inquiries that I did not authorize Here are the detailed items I do not recognize : XXXX. Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Phone Number : ( XXXX ) XXXX XXXX. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Various soft credit inquiries that I did not authorize or initiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, As of/Effective XX/XX/2020, is reporting inaccurately and has flagged my credit report. They are reporting on my credit report " Bank Adjustment/Deed in XXXX Liquidation '' This information is FALSE My Divorced/Estranged spouse is currently in Chapter XXXX BK, Case No : XXXX His Name is XXXX XXXX XXXX I contacted XXXX and advised them they have incorrectly flagged my account Requested them to " please remove '' They confirmed that according to their records they do in fact show XXXX XXXX XXXX currently in Bk, payments being satisfied through the BK Nothing has been done to correct my credit by removing the flag. 
As a result, my credit score has drop and I have received negative credit standing and loss of credit and money.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) in handling my identity theft case. Despite my attempts to resolve this matter directly with Equifax, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : On XX/XX/year>, I received an inadequate response from Equifax regarding my identity theft dispute. Their response demonstrated a fundamental misunderstanding or deliberate disregard of their FCRA obligations. The core issue is not the factual nature of a credit inquiry, but its fraudulent origin due to identity theft. 

Equifax has violated the following FCRA sections : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : Equifax failed to block the reporting of information I identified as resulting from identity theft within the mandated four business days of receiving my identity theft report.

2. Section 615 ( f ) ( 1 ) : Equifax neglected to follow proper
procedures for consumer disputes related to identity theft. Their cursory " investigation '' falls far short of the " reasonable procedures '' required by law to determine the accuracy of disputed information.

3. Section 623 : As an information furnisher, Equifax failed to conduct a proper investigation of the disputed information and to report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete.

These violations have resulted in : - Exposure of my private information - Failure to protect my identity from fraudulent use - Direct harm to my mental health, financial stability, and credit standing Actions Requested : I formally request that the CFPB require Equifax to : 1. Block ALL information I have identified as related to identity theft.

2. Conduct a THOROUGH reinvestigation of ALL disputed information.

3. Provide a DETAILED written report of their reinvestigation results within 5 business days.

4. REMOVE any information found to be inaccurate, incomplete, or unverifiable.

5. NOTIFY all nationwide consumer reporting agencies of any corrections made.
Product: Credit reporting or other personal consumer reports

this is a formal complaint tht XXXX is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However XXXX is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which XXXX has failed to do.The following accounts are reporting illegal. 
XXXX XXXX XXXX account # XXXX latepayment. 
Dept of education account # XXXX payment. 
Dept of education account # XXXX payment. 
Dept of education account # XXXX Payment. 
Dept of education account # XXXX payment. 
Dept of education account # XXXX payment. 
Dept of education account # XXXX payment.
Product: Mortgage

I am writing to file a formal complaint against Selene Finance LP, XXXX XXXX  Loans, and XXXX concerning several unlawful actions related to my mortgage loan. Specifically, I wish to address issues regarding unauthorized interest rate increases, violations of bankruptcy protections, improper handling of my loan modification request, and failure to communicate. Below are the key issues and events, along with my requested resolution. 

Key Issues : Unlawful Interest Rate Adjustments During Bankruptcy : While under bankruptcy protection, XXXX XXXX  Loans unlawfully increased my interest rate twice : From XXXX XXXX to XXXX XXXX, and From XXXX XXXX to XXXX XXXX. 
These increases violated the legal limit of a XXXX XXXX increase per adjustment under bankruptcy protections. 
In XX/XX/XXXX, my attorney challenged these increases, and XXXX XXXX XXXX admitted to the error, restoring the interest rate to XXXX XXXX through XXXX. 
Breach of Agreed Interest Rate Terms : In XX/XX/XXXX, Caliber Home Loans issued a Notice of Mortgage Change, increasing my interest rate to XXXX XXXX, which was reflected in my mortgage statements. 
However, in XX/XX/XXXX, the rate unexpectedly jumped to XXXX XXXX, violating the agreed-upon terms. 
After servicing was transferred to XXXX, they further increased the rate to XXXX XXXX, without providing a proper explanation or justification for this increase. 
Violation of XXXX  XXXX XXXX XXXX Notices : The Notice of Mortgage Change filed in bankruptcy court explicitly stated that no changes would be made to the principal, interest, or mortgage payments. 
Despite this, Selene Finance LP and XXXX implemented unauthorized rate increases, breaching the protections afforded by bankruptcy and undermining the court-approved agreement. 
Failure to Communicate & Obstruction in Loan Modification : Selene Finance LP has repeatedly refused to communicate with me directly, despite my written confirmation that I do not have legal representation for the loan modification. 
They continue to claim that I have legal representation for the loan modification process, causing unnecessary delays and confusion. 
Furthermore, my loan modification requests have been wrongfully denied, citing missing documents, even though I have fully complied with all document requests and deadlines provided by Selene Finance LP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PHH Mortgage Services out of New Jersey. does not cash my payments on time them report me as late. then add fees to my account. they are criminals. this has been going on for years since they purchased my loan. a few years ago, this company operates as a criminal.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Reporting Agencies have assumed a XXXX XXXX and have XXXX responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to report inaccurate and fraudulent entries on my credit file, and has never validated the debt or given me any reply as to what they investigated or how they investigated the debt. They have ignored my requests. If they any type of investigation theyd see my personal info doesnt match the debt. Ive submitted my personal info to Experian and then more fraudulent entries hit my credit. Why should I send identification and sensitive information when its their job to investigate he incorrect entries? 

Experian also keeps reporting incorrect addresses and phone numbers on my credit file and they refuse to delete them even though Ive never lived at the addresses. They wont even let me dispute it anymore. The addresses could be associated with the incorrect and fraudulent accounts. I dont need to file police report- its Experian that linked me to debts that arent mine and they wont investigate or validate. 

Its been a few XXXX far more than XXXX days. Its caused me to be denied credit, mortgages, jobs, etc. Experian will be held liable for their willful reporting of erroneous information on my credit. 

Some inaccurate entries are : XXXX recovery group from XX/XX/2019. 
XXXX in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The companies cant even verify my personal information as linked to the debt when I call. So it is Experian that continues to report inaccurate information and it must be removed at once. 

So should the addresses. Ive only ever lived in XXXX XXXX during my life. All other address must be removed.
Product: Credit reporting or other personal consumer reports

I am formally requesting a security freeze on my credit report under the Fair Credit Reporting Act ( FCRA ) to prevent unauthorized access and ensure compliance with consumer protection laws.
Product: Debt collection

Truemper titner & brouch ltd attempted to collect a debt by harassing and intimidating us. When I told them my husband wasnt home and tried to close the door, they ripped it open and threw the paper at me, breaking our door handle. I was genuinely terrified as a woman home alone being attacked by a grown man. I almost called the police. They sat outside of our house for hours and came over 5 times. They never served my husband papers but had court and had a lien placed on our account, withdrawing the entire balance with absolutely no notification or notice of right to dispute.
Product: Credit reporting or other personal consumer reports

Ive noticed accounts on my credit report that I have no knowledge of and no affiliation with, and this is completely unjust. It is not only unfair but deeply concerning that these discrepancies are affecting my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a credit report that is both accurate and complete. These incorrect entries need to be investigated and corrected without delay. If they are not, I will have no choice but to pursue legal action to protect my rights and ensure these errors are addressed.
Product: Debt collection

This account has been disputed over 3-5 times as inaccurate, i sent multiple letters to have this information updated. This account is still being reported in error. I have sent several letters with no resolution on the creditors behalf
Product: Debt collection

Express Recovery was reporting an amount on my credit report, which I have never received any information on. I sent a validation request initially a few months ago, asking for them to validate this amount, if this is a medical bill which member of my family it was for, dates of service etc. They never responded to the initial request, so I second one was sent on XXXX XXXX, 2017. Both requests for validation and verification contained all of my contact information so they could provide the requested documents and get a hold of me easily. No correspondence to date has been received, I obtained their fax number today and faxed a cease and desist notice as they have violated FDCPA regulations in not only refusing to provide the validation as requested in writing, but also by continuing to collect and report on this account without validating.
Product: Vehicle loan or lease

X/XX/17 To Whom It May Concern, I am writing this letter as I have a complaint that I would like investigated. Recently, I took out a BECU auto loan to cover the cost of my new vehicle. After learning about the new laws, I found that I had been given a loan with an interest rate of 4.24 % which is significantly more than the 0.29 % interest rate which the law states is applicable to loan borrowers. I am now requesting that you please take in depth look at why I have been charged with a higher interest rate. I was told that because my credit score was low, I had was offered the higher interest rate of 4.24 %. I should have qualified for an interest rate of 0.29 %, as all auto loans in WA state have this designated interest rate. After reaching out to BECU by phone, they stated that their lowest interest rate is 2.49 % and that my interest rate of 4.24 % was based on my credit score. Please contact me as soon as possible. I have been receiving inconsistent advice from them. Thank you in advance.