23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the process of a mortgage application I strongly disagree with the method the underwriters calculate my monthly debt. Its fabrication. 

To calculate my debt, I disclosed my loans and credit card payments made every month. They divided my actual MONTHLY credit card payments by 67 months and used that number as my actual monthly credit card debt. This was despite showing them proof of over 12 months of regular monthly payments. Thereby decreasing my real credit card debt to approve a mortgage with a fabricated debt to income ratio. If they used my factual data my expenses exceed my new reduced income ( due to Covid-19 ).  Thats over a 100 % debt to income ratio. 

I was told that this process of calculating debt is a rule from the Dodd-Frank act and they can not consider my actual monthly payables! However, I feel this goes against the grain of the act! By this rule, lenders actually encouraging people to take a 3-5 % mortgage and pile up 18-25 % credit card debt, if they cant afford to pay it all!!! Because in my case I can not pay mortgage if I pay my credit card bills. I have to choose. I only realized this, as my husbands salary got cut to half due to Covid-19 but the loan officer insisted that I was going to be approved despite my home math didnt add up to cover monthly expenses.
Product: Bank account or service

Monthly fees of {$15.00} were taken out of my checking account starting in XX/XX/XXXX through XX/XX/XXXX without my knowledge. Bank 's explanation was these fees accrued because a minimum balance was not maintained. 
I informed Citizen that I 've had a checking account for over XXXX years and I was never told there was a minimum balance requirement. I was told the reason was, I had an additional mortgage account and because of that, the minimum balance was n't a requirement. After my mortgage was paid off, I had to keep a minimum balance in my account. 
My concern is that I was never notified of this, nor told that once my mortgage was paid off I was required to maintain a minimum balance. I was also told I signed up for electronic monthly statement and this is not correct either. 
I am respectfully requesting that all my funds which were taken out for fees, be replaced in my checking account. Fee amounts total approximately {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax the credit bureau, discovered a data breach that compromised my information which includes but is not limited to my name, social security number, credit score, etc. Despite this breach affecting not only me but 150 million other Americans, we only became aware of it in early XXXX 2017. 150 million americans experienced identity theft and for almost 2 months none of us knew. Add to that their CEO 's made sure to sell their stocks before hand.
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 ( 5 ), 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. 

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

I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report.
Product: Debt collection

Your company is reporting the below referenced account on my credit report as a collection account. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Prepaid card

Unauthorized fraudulent charges were made on a VanillaGift.com VISA card before member could use the gift card.
Product: Mortgage

I have tried to make a payment multiple times. I sent a bill payment from my bank, and you returned it to me ; I sent a payment by XXXX XXXX, and you didnt accept it. For no reason, I cant make a payment by ACH ; please reply to this fax letting me know why you arent accepting my payment. And what do I need to do to get the money to you? This is crazy ; I have sent Carrington Mortgage my payment 3 times now. Can my bank send you a wire transfer or a BANK CHECK?
Product: Credit reporting or other personal consumer reports

I filed a dispute on account XXXX XXXX XXXX XXXX due to account being closed and balance being incorrect. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They have alleged the company is accepting unreliable information and fails to notify consumer dispute results. This aligns well with my current situation. Experian has not attempted to remove nor correct any information that I have disputed. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian is violating my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

A bankruptcy is listed on my credit report along with a creditor by the name of XXXX XXXX XXXX. My identity was compromised and I need these items removed and block as a result of me not creating a relationship with neither company. 

I have never filed a bankruptcy. I have tried contacting the court concerning this matter several times. Please assist.
Product: Debt collection

to whom this may concern I am writing to update my credit report with the correct information. I am a victim of identity theft an did not make the charges on my credit report. all correct information for all 3 credit reports are supposed to be 100 % accurate. the information is incorrect. to protect my account. I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed are responsible for updating my file. thank you.
Product: Credit reporting or other personal consumer reports

Equifax has re-reported the XXXX XXXX XXXX  account, which was previously removed, without providing the required 5-day notification as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). This blatant violation of federal law is unacceptable.

For over three years, I have requested verifiable proof that this account belongs to me. Equifax has failed to provide any documentationno signed agreements, no billing statementsnothing to support the validity of this account. Relying on Metro 2 automated data and AI systems instead of producing real evidence violates 1681b and 1681s-2 ( a ).

The data Equifax is reporting is also fraudulent. The account allegedly opened in 2014, with the last payment recorded in 2018. This exceeds the 7-year reporting limit under 1681c ( a ) ( 4 ). Additionally, the account is falsely listed as " 10 months 30 days old, '' which is inaccurate and deceptive.

Equifax has already caused immense harm to me as a victim of their data breach, and this reckless mishandling of my credit report further damages my financial standing. I demand the immediate and permanent deletion of this account.

Equifaxs continued failure to follow federal laws and properly investigate disputes demonstrates negligence and disregard for consumer protection. This account must be deleted without delay. I am prepared to escalate this matter further if necessary.
Product: Mortgage

1 ) I entered a one-time principal-only payment into the US Bank mortgage payment system of {$6500.00}. This appears correctly in my US Bank account. This is in addition to my {$2900.00} standard monthly mortgage payment.

2 ) The wrong amount was taken from my XXXX personal checking account. {$9400.00} was deducted ( in addition to the standard {$2900.00} mortgage payment ). As a result, my XXXX account is now overdrawn. 

3 ) I have had multiple issues with the US Bank online system, which I have reported to CFPB in the past. I tried once again to contact US Bank by phone using their listed office hours from their website, but an online message stated they were not open. I sent them an email instead, but do not yet have resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has placed a fraud alert on my credit file that I did not authorize or request. I want this fraud alert and statement removed from my credit file immediately. XXXX XXXX XXXX  denied my application due to fraud alert being listed on my credit file. This is totally unfair and I want this inquiry removed due to Experian placing a fraud alert that I did not request thanks.
Product: Credit reporting or other personal consumer reports

I am FILLING THIS COMPLAINT because the following inaccurate account and unauthorized inquiries information in my credit report. The items are listed below : XXXX XXXX XXXX XXXX  -late closed with XXXX balance and has payment lates in History... Please update or else delete this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # 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, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting inaccuran=cies in late payments all between XXXX XXXX and XXXX XX/XX/XXXX. All othe months are not correcty reporting informaiton. For example XX/XX/XXXX XXXX and XXXX says i am current but experian says im 30 days late.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I been talking to Experian by phone about a dispute that they reinvestigated 3 times already, the first report which was created on XX/XX/2019 as it read Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX   XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2019.which at the time I submitted all documents to support my claim, that I sent a certify letter to the address that they was reporting to the and it came back returned with no forwarding address, and the finished their investigation on XX/XX/2019 that read XXXX   XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted then on XX/XX/XXXX, XXXX XXXX XXXX re inserted the account back on my credit report XXXX XXXX XXXX has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency Experian has investigated this matter twice and now the report comes back as verified or XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains please look into this matter as I spoke with reps of Experian as they tell me the can find anything that says this matter was deleted from my file
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a Navy Federal credit card that i opened in XXXX. The original interest rate was 9 % due to having really good credit. As time went on, within a year or two it jumped to 13 %, in XXXX or XXXX the interest jumped back up to 14 % and currently it is sitting at 13.99 %. 

I initially had a 9 % interest rate on this card, and it continues to go up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was recently transferred to a new servicer Rushmore Loan Management and bought by a new lender. My mortgage was modified in XX/XX/2015 with XXXX XXXX XXXX and the terms of my payment changed to 480 months. Shortly after it was transferred to XXXX XXXX XXXX XXXX and terms were reported correctly.The new servicer Rushmore Loan management is reporting the terms at 648 months. I called to inform them that it should be 480 months not 648 months. I was told that it is being reported correctly at 648 months. I will include my modification agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  had reported 30 day past due on my account for XX/XX/2021. I was never late. Payment shows I made all the payments on time, therefore an error had occurred and needs fixing. Statements had been requested since they don't offer statements older than 24 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car broke down so yesterday XX/XX/20 I went to the XXXX dealership and they ran my credit to see if I qualified for the auto loan but I was told I was not approved because of three accounts reflecting badly on my credit history. I looked through my credit report myself to see what accounts they were talking and I realized none of those accounts are mine. I never opened them and I didn't give anyone permission to open them in my name. The accounts are from XXXX XXXX, XXXX XXXX XXXX XXXX & US Bankruptcy Court-XXXX XXXX. I am not responsible for any of these accounts nor do I have any type of written/verbal contract with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit.
Product: Credit card

Discover Card : XXXX As it appears on account : XXXX I have just been made aware of these charges. Discover claims they have me signing up for the service in XX/XX/2010. Through a verbal agreement. I do not recall signing up for this service nor can they provide my with a recording of the agreement. 
Since XX/XX/2010 until present date an estimated $ 3,800+ dollars have been paid out to this protection service. 
I asked for proof of the contractual agreement and they can not provide me with it. 
And as I stated I do not recall signing up for it.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am very concerned that you have violated the Fair Credit Reporting Act by placing a hard inquiry on my Experian credit report without my consent. The FCRA permissible purpose provisions specify that you must document your reasons as well as my consent for placing a hard inquiry on my report or remove the inquiry. Please provide documentation of my consent for any inquiries you have placed on my credit report or remove them immediately. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX/XXXX  has reported my account as 30 days past due in the amount of {$31.00} this is totally incorrect I am not past due and this account has been paid in before 30 days hit. If the 30 days mark is not removed from my credit file I will see council from my attorney. Im not sure where XXXX is getting this information from and I dont know why Transunion allowed this company to report incorrect information to my credit file. At this moment Transunion is responsible for this inaccurate information as well and will be held accountable if the 30 day past due is not removed the amount of {$31.00} showing past due. I will never do business with XXXX/XXXX  due to this inaccurate reporting and will post blogs and reviews on this company if not removed.
Product: Debt collection

Beginning in XXXX, XXXX and Fudge representatives have been calling me every day multiple times a day from several different phone numbers ( Number provided is the number that they use to contact me the most ) Nothing works; not ignoring the calls, not blocking the number, nothing. They just call and call and call and call so much so that it gets by the " Do Not Disturb '' feature on my phone because it thinks somebody is trying to call me about an actual emergency that matters. I've answered the phone when they call and all they do is rudely demand my card information yet seemed bothered and confused when I told them I would like to see how much I owe in writing on a document. When I block numbers they call from different ones. They are unable to provide me with any more information about my loan other than my " debt has been transferred over '' to them. If they are a real loan service then I don't understand how that company is still operating because they are some of the meanest, most demanding, entitled, and down right stupid people I've ever interacted with ( and I work in customer service so I deal with stupid entitled people every day ). All I genuinely want is that joke of a company to leave me alone because even if I do owe money not a single cent of it will be paid to them. This is borderline harassment and needs to stop because it's now interrupting my day-to-day routine and I literally haven't done anything to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violate my rights under the 15 US C 1681 section 602 states i have the right to privacy. 15 US C 1681section 604a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions only 15 US C 1666b creditor may not treat a payment on a credit card under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a Public Record item that continues to appear on my credit report. Despite multiple previous disputes regarding this issue, the item has not been corrected or removed as required by law. This continued inaccuracy is unacceptable, and I am requesting that the Public Record in question be permanently deleted from my credit file. I have already disputed this item several times, providing the necessary documentation and evidence to support my claim that the information is incorrect or outdated. Yet, despite these efforts, the record has not been removed. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and integrity of the information appearing on my credit report. Since this Public Record is inaccurate, it should be deleted immediately. 

I expect your agency to thoroughly investigate this matter, as required by the FCRA, and take swift action to remove this incorrect information from my report. Please understand that this item is damaging my credit standing and any further delays in resolving this issue will continue to negatively affect my financial wellbeing. 

I request written confirmation that this Public Record has been deleted from my credit report and a copy of the updated report reflecting these changes. 

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

IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH XXXX DIFFERENT INDIVIDUAL LOAN 'S ON MY EXPERIAN, XXXX AND XXXX CREDIT REPORTING FILE ACCT NUMBER XXXX