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

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, has violated my rights. 

XXXX5 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 S 1681 E A. States every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 605 s 1681c to limit the furnishing pf consumer reports to the purposes listed under section 604 ( s 1681b ) collection agencies also have violated my rights by contacting me during my working hours and call me from different numbers. attached will be proof of said violations.

All 3 credit bureaus have incorrect my name, birthdate and address. I have send certified mail back in XX/XX/XXXX with updated and correct spelling of my name, my correct birthdate and my correct address. Also, sent was my copy of Social Security card, my updated license with my new address. I asked for an investigation none of the 3 reporting agencies replied nor updated my personal information.
Product: Mortgage

During our mortgage process with USBank, we received an initial disclosure where it showed our interest rate@ 5.5 % - With no rate lock. Date - XXXX/XXXX/22 We received another disclosure, with a change of circumstance letter that had absolutely no information, where our rate was 5.875 % without having to buy any points and the rate was locked until XXXX/XXXX/22. Date XX/XX/22 We received no information regarding what changed in our circumstance -- but we accepted this change in rate. 

On XX/XX/22 - We received yet another Change of Circumstance letter, where our rate was now 5.875 % but with us buying points in order to get there. Otherwise, the lender told us it would be 6.5 %. 

When asked why the rate lock was not being honored -- the Lender simply said " There was a technical glitch '' and that they were unable to honor it. It was a " Freak accident '' and only impacted my mortgage. There was no justification regarding my change of circumstance -- as our home had actually appraised much higher than we paid for it, and my credit score DRASTICALLY improved since their initial check. 

Asking for more detail, our lender failed to respond, and was incredibly difficult to contact. Evasive. Ultimately, the best they were willing to do was get us to 6.125 %. Arbitrarily. 

I contacted my attorney and they said that this was something they had seen several times before, where a lender would " Float '' the rates, and hope it would benefit them. Meaning the market rates would drop, and I'd be stuck with 5.875 %. In this case, the rates went up, and they didn't want to eat the difference, and pay for the points themselves. 

The lease on our current apartment had expired, and we had no choice but to move ahead with the process -- coupled with the fact that the mortgage rates were continuously rising -- this incident is going to cost me tens of thousands of dollars over the term of the loan. The lender was completely in the wrong, admitting so numerous times, but only offering that " Theres nothing we can do ''. 

Others I have spoke to urged me to contact the CFPB to help make this right -- as it has made the beginning of my homeowning experience incredibly disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. ALL OF YOUR NEWST ADVERSE INFORMATION WILL FOEVER BEEN UNDER DISPUTE FOR INACCURATE NEGATIVE INFORMATION! SEQUIUM ASSET SOLUTIONS INC. WILL ACQUIRE NOTHING. IF XXXX DID NOT TELL THEM ABOUT WHO I AM- THEY WILL GET NOTHING FROM ME. SOMETIME AGO, REINSERTED OLD OUTDATED ADDRESS XXXX NUMNERS AS WELL AS OTHER ADVERSE AND INCORRECT INFORMATION. XXXX AQUIRED XXXX PARTY INFORMATION TO DIG UP AND THROW ONTO PEOPLE 'S CONSUMER REPORTS WITH CONSUMER CONSENT BEFOREHAND VIOLATING THE CONDITIONS UNDER WHICH LAY THE CONCRETE OF 15 U.S.C. 1681 BACKBONE OF THE FCRA. XXXX GOAL - MAKE PROFIT BY ANY TERMS. THIS WILL SET THE STAGE IN THAT XXXX AND THE OTHER CRAS ARE INCAPABLE OF HOLDING AN KEEPING ANY PRIVATE PARTY SAFE AND PROTECTED BECAUSE XXXX XXXX ITSELF IS A COLLECTOR AND SELLER OF PERSONAL INFORMATION TO THE HIGHEST BIDDER - FOR THE XXXX PRICE. BE WARNED XXXX - FOR DIGGING THROUGH MY REPORTS FOR FOR OWN GAIN. YOUR TIME IA PASSED. YOUR COMPANIES SHOULD AT ALL COST. SHOULD BE BROKEN UP AND AOLD TO THOSE THAT HONESTLY KNOW THE MEANING OF " PRIVATE ''
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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

Ive submitted the complaint to CFPD and received this response from NCAC. I would like to ask for more information and would like NCAC company to verify as below : 1. NCAC : We have sent you several letters all of which has been returned as a bad address. You did not supply XXXX XXXX  with a forwarding address so all they can do is send the letters to your old address and hope that you filled out a change of address form with the post office. They have proof they sent you the letter dated and time stamped. 

XXXX XXXX : I am asking NCAC : please send me those proofs that XXXX XXXX  and NCAC have sent me several letters DATED and STAMPED.

2. NCAC : NCAC sent you the first letter on XX/XX/year> we were never notified that the letter was returned and by law if we are not notified within 14 days we may assume you received the letter.

Your dispute was given to the Dispute resolution department and we mailed all of your documents out to you on XX/XX/year>, those documents were returned to us on XX/XX/year> as undeliverable. 

XXXX XXXX : You sent me the letter to collect the debt, that letter wasnt returned and you assume that I received it even though you just said that was bad address earlier. Why?

When I ask you to send me the validation, you said that you have sent them but those documents were returned.

Does it sound normal? Because I have got those documents from your company in mailbox, stamped XX/XX/year>, almost 3 months after I disputed the debt. I have attached the envelope for your review. 

I have one more question : You said that you sent me the first letter on XX/XX/year>, so Why did you file Report the debt to XXXX bureaus on XX/XX/year> BEFORE you send it? I also attach here the First Email to attempt to collect was on XX/XX/year>.
Product: Vehicle loan or lease

Harassing phone calls, sometimes 5-6 times a day if I miss a payment by even one day. Call my job, call my references. Threaten to repo my vehicle but then tell me " it's not what they really want to do ''. Now, my car has broken down three times since I bought it. First time the converter had to be replaced, second time the engine had to be replaced -- which I just found out they replaced it with an engine from a salvage yard. That was less than a year ago and now the engine is misfiring and knocking. They are giving me a hard time and telling me if I can not provide every single maintenance record that they won't fix it and on top of that keep harassing me for a payment on a car they " may total '' and telling me if I don't pay now I will get repossessed and it will " hit my credit and I'll never get another car ''. They are using intimidation to try to harass me.
Product: Student loan

I thought I was speaking with a Navient Department of Ed agent over the phone, but I was n't. It was XXXX XXXX ( although very kind woman ) representing Navient XXXX XXXX XXXX, XXXX who told me to pay in advance the amount of XXXX dollars in order for me to qualify for a lower interest of my loan. She gave me the option to pay XXXX for three consecutive months, which I agreed. Supposedly after either paying the XXXX or the XXXX dollars my montlhy payments would be as low as XXXX dollars. This application was described as XXXX. I scheduled a payment of XXXX and provided her my debit card number. Few days later a received a call from the origianl Navient. The agent wanted to remind me to make a payment to avoid being called, etc. I told him I was confused and told him I previously scheduled a payment already. He said he could n't see that on my account. It was until that moment I knew something was wrong. According to the original Navient agent I can not be charged for something that Navient offers me for free. I was suggested to avoid any calls or emails from tbe other company and fortunately I had enough time to cancel my debit card and replace it at my bank. This Navient XXXX XXXX XXXX, XXXX are scam, they charge people to qualify for repayment programs/options.
Product: Credit reporting or other personal consumer reports

have also discovered entries indicating unauthorized credit use on my credit report. These entries do not reflect any credit transactions or accounts that I have authorized. I request a thorough investigation into these unauthorized entries and their removal from my credit report. 



The presence of incorrect names, addresses, and unauthorized credit use on my credit report not only compromises the accuracy of my financial information but also raises concerns about potential fraud or identity theft. It is crucial that these inaccuracies are rectified promptly to avoid any negative repercussions on my creditworthiness and financial standing.
Product: Credit reporting or other personal consumer reports

I RECENTLY APPLIED FOR A XXXX XXXX MORTGAGE AND WAS ADVISED FROM MY LOAN XXXX THAT HE CAN NOT APPROVE MY LAONS, BECAUSE THERE ARE XXXX MEDICAL COLLECTIONS REPORTING ON MY CREDIT REPORT. I FOUND OUT THAT I AM A VICTIM OF IDENTITY FRAUD AND SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN MEDICAL SERVICES FRAUDULENTLY. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO I HAVE ANY KNOWLEDGE ON THE ACCOUNTS BEING FRAUDULENTLY REPORTING ON MY ACCOUNT.
Product: Vehicle loan or lease

I opened a loan with Santander XXXX XXXX, I put 8k dollars down on a $ 13k car and noticed that my interest and payments were never reflected on my account correctly. Due to an illness I was out of work and struggling to make my payments. Santander repossessed my car several times making me pay large sums of money in order to get vehicle back that never went towards the balance owed on the vehicle. My interest rate was set at 28 % for a XXXX vehicle. The last time it was repossessed in XXXX they sold the vehicle at the auction. I am still being told that I have a balance of {$5200.00}. I owed a little over 7500 dollars at the time of repossession and the vehicle was sold for XXXX XXXX XXXX value of $ 4k. I feel like my balance would be less but it seems to be increasing every month. I have attempted to settle with them to have my account rectified or settle in order to clear my credit and to purchase another vehicle but have had no success. I would like my account information and payments, interest etc to be checked for accuracy and then i would like my account updated and would like to settle with Santander for the amount remaining.
Product: Credit card or prepaid card

I made an into APR purchase on the XXXX XXXX credit card they offered me on XX/XX/XXXX of {$2100.00}. I was offered 12 months interest free on this amount. Due to a sizing issue I had to return the original purchase and make the same purchase just for a smaller size. The representative I worked with assured me that nothing would change on my billing, this was done on XX/XX/XXXX. As of XX/XX/XXXX I was charged my first interest fee on my card. I was unable to at the time check my online account because XXXX XXXX was in the process of switching lendor institutions therefore for about 5 months XX/XX/XXXX-XX/XX/XXXX I was unable to view my account online because XXXX had not sent me my new card information in the mail and would not tell me my information over the phone even though I provided my correct credentials. I called on three different occasions to try to get information about when I might receive my card in the mail, they said it should already be there, I had to request they send it out three different times. Every time I called I also tried to get my account information over the phone and they said they could not provide anything or let me make a payment. Unable to log in online I was also unable to pay my balance due to this for about 3 months XX/XX/XXXX-XX/XX/XXXX they ended up calling to collect my payments missed and owed on XX/XX/17 I then paid {$300.00} for the missed months due to being unable to access anything about my account. I now have the new card and have set up my online account again and am now seeing multiple interest charges each month I make payments and am very upset that I am being charged these due to no fault of mine in missing the payments. As well as apparently my intro APR purchase has seemed to have been cancelled and they are just charging me a regular amount with APR and everything this also due to no fault of mine and assurance that nothing would change on my bill. To date I have been charged over {$260.00} in interest and see no end as they are charging me twice each month I pay my principal charge.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Items and Inquiries from Credit Report Dear Team, I hope this message finds you well. I am writing to request the removal of three negative items from my credit report, listed as follows : XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX. XXXX , opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX, opened on XX/XX/XXXX Additionally, I would like to request the removal of all inquiries associated with my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as these have negatively impacted my credit score and my other financial decision.These negative items are in my account as i notice since XXXX. I appreciate your assistance in this matter and look forward to your prompt response. Thank you for your attention to this request. Best regards
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called multiple phone numbers, I never get transferred to CSR. Automated recorded voice, " I can't get you to a specialist right now. I'm only able to transfer people in limited circumstances. '' So, apparently to experian as a consumer my call is not important. XXXX! On XX/XX/2022 My credit score was XXXX. On XX/XX/2022 Experian decreased it XXXX. WHY????????????? Nothing has changed. I still have 6 accounts, all accounts are paid on time, No account has been closed, No new accounts have been opened, My 3 credit cards are paid to XXXX  balance every month. My debt has decreased on 3 student loan accounts. Once AGAIN! I'm filing another dispute against Experian for decreasing my score!!! I want my XXXX added back to my score! I'm pretty sure my credit score would be way over XXXX if I had all of my points back that Experian has stolen!!! I'm constantly disputing this HORRIBLE/DISHONEST/DISCRIMINATORY company!! My Credit Reports and Scores are EXCELLENT with XXXX and XXXX!! Although, absolutely, no change on the consumers ( my ) behalf. Experian is a company that is purposely, lowering consumers credit scores ; so, they are forced to pay higher interest rates when they apply for a loan. Experian does not provide info or proof ( a cut and paste letter of reasons it can drop ) of why there was a decrease in my credit score. Those reasons do not pertain to my credit score. How is this XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered fraudulent hard inquiries on it, the fraudulent hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove the hard inquiries from my credit report, as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding justice. Equifax is continuing to ruin my credit file for no reason. Equifax has just trashed my credit file again by refusing to update my credit file by removing trash off of my credit file. these people cause a serious data breach XXXX knows who my personal info went to because of Equifax. taking this to higher authorities, XXXX rep 's, attorney general offices in both states XXXX, GA and Ohio. So sick of being sick and tired of this! I will see Equifax in court!
Product: Mortgage

This is in reference to  Bank of America loan  account number  XXXX . My complaint is against Bank  of America in  the mishandling of my loan over the past 3 years. On  XX/XX/XXXX  I was approached by Bank  of America  to have my loan refinanced under the HAMP program. During the refiance process Ban k of  America required I have flood insurance on this property in which I had not paid during the previous 9 years. Ban k of America the n sent me an immediate requirement to pay flood insurance or have lender placed insurance secured. I could not afford the {$3500.00} per year flood insurance outside from lender placed insurance and therefore was forced to pay {$3200.00} per year lender placed insurance. I. turn, Ban k of America refu sed to refinance for a more affordable payment. My payments increased {$300.00} per month which placed a financial hardship on me and my family.   On  XX/XX/XXXX , Bank  of America d id not pay the full real estate taxes on this property which placed the property into a real estate tax sale auction. On  XX/XX/XXXX , Ba nk of America fou nd their mistake and paid the arrears real estate taxes of {$5000.00}. On  XX/XX/XXXX , Bank  of America ha s notified me of my payment to increase {$400.00} per month, which will further place undue financial hardship in my ability to pay this mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

File number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Request to remove inaccurate information Dear, Equifax Information Services LLC Company Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2020 Account Type : REVOLVING Reason for Dispute : Last Payment date/Closed Date Incorrect/Current/Previous Payment Status Incorrect. This account has the wrong information, I would like this account removed from my credit file. 
The balances are way too high, I never spent that much on that account. 
This is a prepaid card, this is not a credit card, I would like this removed from my credit file of Equifax. I do not spend off of this account, this needs to be deleted immediately.
Product: Debt collection

I received a text from my credit monitoring system that a debt collection showed up in my credit report. Jefferson Capital system purchased the debt from XXXX for the amount of {$550.00} and the debt is not mine. I do not owe any funds to XXXX and my telephone carrier is XXXX. 

I would like this entity to remain this debt from my credit history as I am do not owe any funds to XXXX or any of its representative agencies. Please let me know how I can proceed with eliminating this charge from my credit. 

Thank you. 
XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX XXXX XXXX., ACCT # XXXX but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Debt collection

on XX/XX/XXXX I received a writ of garnishment via email from my HR dept for {$880.00} to begin being withheld on XXXX XXXX, XXXX. There was a judgement attached that was received XX/XX/XXXX. I had no idea of this judgement. I immediately responded to my HR dept to find out what this was about. They could not provide me any information. I searched through all my old paperwork that night and came across a credit bureau I pulled on myself back in XXXX and there was no judgement on my credit file. The next day I called the entities listed on the said judgement and the Law office listed could not find an account for me and proceeded to tell me that the paperwork was wrong. The other entity listed I called and was hung up on first, and when I called back I got transferred to XXXX different people and was given another entity name that actually had the said debt. I called that entity and they referred me to the Law office that sent the garnishment. I called them and was given no information. I was told they would send a letter of validation which I would receive in XXXX  days. While waiting on this I decided to go to my local courthouse and get a copy of said judgement. I picked that up and upon going through the paperwork from them I came across another entity name that the debt originated from. I have never had an account with said entity. I have still not received the letter of validation I was suppose to get in 7 days either. I have had a good credit since I filed bankruptcy back in XXXX. I have not had any trouble obtaining credit in the last XXXX years. I have purchased XXXX vehicles and have credit cards as well. In XXXX before the pandemic hit I was approved to purchase a home. My credit score is over XXXX so I have no idea why I have been targeted and my wages garnished.