23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We accidentally made XXXX payments in XXXX month in XX/XX/XXXX. The loan service company, LoanCare, applied the XXXX payment to the principal. We asked for that payment back. it has taken 5 months and ridiculous hoops for us to jump through. We have been in contact with them about twice a week for the last month. All our home mortgage payments have been on time during this. 

They finally wired the money back to us on XX/XX/XXXX. But they wired it to us twice!! We did not even notice receipt of XXXX or both until a few days ago and we called them to figure it out and how to repay them. In fact, it all felt like a scam! 

In the meantime, we received XXXX certified letters from them over the last 2 days. They were both dated XX/XX/XXXX. 

The first one said we were in Default and it threatened Foreclosure at least 6 times. It also said we had not been in contact with them despite many attempts to reach us. We called them immediately, ie., yesterday XX/XX/XXXX. Apparently what happened was that, in order to pay us back, and to repay themselves the double payment they had erroneously paid us, they reversed XXXX past mortgage payments. Then they reapplied them. According to them, this negated our XXXX XXXX, XXXX payment, now making us 5 days late ( after our XXXX XXXX grace period ) for our XXXX house payment that we had made on XXXX. This all made little sense to us, but we asked what we needed to do. We made another XXXX House Payment yesterday, over the phone, which was noted as posted immediately. By the way, that letter we received was described as a canned letter. We were told that no late notice would be sent to a credit bureau. 

The second letter arrived today. Again, it was dated on the same day as the first " canned '' letter, and was also a certified letter. But this time, it was a Notice of Default and Intent to Foreclose!! It was also full of lots of wrong information, including that a repayment was due back in XX/XX/XXXX and that it was due by XX/XX/XXXX. 

We have been dealing with these idiots for 7 months now! It makes us feel like all they want is our house, which has increased in value by XXXX XXXX dollars in 4 years. We are both elderly, at XXXX and XXXX years of age. We are feeling that this is all elder abuse, never mind pure stupidity and worse professional or administrative ability. But seriously, my husband has had a XXXX and XXXX XXXX and does not need this stress. Neither do I, as I have XXXX XXXX 

Please Help us. The company is Loan Care, a service company for XXXX. 

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

I have filed disputes with Equifax, supplied support documents, written letter to them explaining the situation and no resolution. 

The problem is that a mortgage amount of $ XXXX is showing on my credit report that I do not have with a company that is no longer in business and the owner is deceased. I have provided a letter from the sole trustee of the deceased verifying that information. Equifax states I need to contact the mortgage company to have the mortgage amount removed from my report and I keep telling them I have no one to contact. I never had a mortgage with that company to begin with and I've supplied the support documents as well. I also wrote a letter asking who reported the information in the first place and I have never received a response. This amount on this report is impacting my credit FICO score. It is not accurate and unfair practices. I need help to resolve this situation.
Product: Mortgage

I called Loancare XX/XX/XXXX I was told over the phone that Im in foreclosure. I had not been notified via mail email or phone before that call. I was told I need to submit an application for mortgage assistance right away. He sent the application and it did not come to my email until the XXXX of XXXX. 5 days later. I lost 5 days worth of time right there to submit the application. I sent the application completed that evening. I followed up and was told I was missing documents, I resent another email with the missing documents requested, I followed up again and was told to call back the next evening, Losing yet another day, I called back when I was told and that agent told me that the emails cant be two separate emails they wanted the application all in one. So I submitted it again. I called to follow up the next day, I was told that because the email was too large they could not open the email how it was sent and they are not allowed to open the link it converts itself too when an email is too large. Then they gave me an impossible task, they wanted 50+ pages sent in 1 email and it must be under 25 mb for them to open the email. I tried two more times, I even tried XXXX which is a site that lets you send large files in one document. They refused that as well. Eventually I faxed it over on XX/XX/XXXX. I called XX/XX/XXXX the team my application goes to wasnt even notified my application had been faxed. Ive talked to agent after agent and department after department and no one told me I was too late. Now that Ive submitted my application and I jumped through all the flaming hoops and did my best efforts for my part, now theyre saying my application will not be reviewed because Im too close to my sale date and they never gave me enough time and wasted a lot of my time needed for review. Now my house is up for sheriffs auction XX/XX/XXXX XXXX
Product: Debt collection

I have been trying to get this Collection off my credit report. I have sent in disputes and nothing has been done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company put outdated information on my report which lead to me being unable to work thru variably violating my rights an ran me thru the mud which is a federal offense
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : U S DEPT OF EDXXXX  Account XXXX XXXX Account Name : U S DEPT OF ED/XXXX Account # XXXX Account Name : U S DEPT OF EDUCATIONXXXX Account # XXXX XXXX  Account Name : U S DEPT. OF EDUCATIONXXXX Account # XXXX XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX  XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX Account Name : XXXX XXXX FACT Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A : States that 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: Money transfer, virtual currency, or money service

On XX/XX/2021 we obtained euros from our bank ( Commerce Bank, owned by XXXX  XXXX XXXX ) for the purposes of travel. At that time we were charged a rate of {$1.00} for each Euro we purchased. 

When we returned and cashed in the remainder of euros on XX/XX/2021 we were reimbursed at a rate of {$1.00} per euro. 

It's our opinion that that was an inequitable return exchange rate. In addition, they would not accept any coins for exchange.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a natural person I am the actually person submitting this dispute this is not a third party. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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

Attempted to dispute my debt to all three credit bureaus. I received no debt validation of response. I sent letters certified on dates XX/XX/2021 and XX/XX/2021. I also filed a non compliant notice on XX/XX/2021. and no received no response
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account name - XXXX XXXX Account number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX and found a 120 day late payment from XXXX  XXXX. Despite that this account shows as 120 days late and is still open you continue to report it the same many days late including last month. Supposedly the alleged account was 120 days late on XX/XX/XXXX which is false because it was never 30, 60 or 90 days late. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to delete this inaccurate item you are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : There are several accounts that appear on my credit report which I do not recognize. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently in violation for reporting multiple inaccuarte inquiries on my consumer credit report. Please see attachments for details. 

XXXX bank card- as it appears on my Experian credit report. XXXX is currently being reporting without permissible cause as required by law. As a result, Experian is in violation and must be immediately removed. 

XXXX XXXX XXXX-as it appears on my Experian credit report. XXXX  XXXX XXXX is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be deleted effective immediately. 

XXXX- As it appears on my Experian credit report. XXXX- is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be removed effective immediately. 

XXXX as it appears on my Experian credit report. XXXX is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be removed effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service
Product: Mortgage

Multiple attempts have been made to Fay Servicing to provide an amount to reduce our monthly escrow payment which would reduce our overall monthly mortgage payment. This is a breach of the contract. Additionally, our original contract provided an option to make our monthly payment in two installments which Fay Servicing is not allowing. These deceptive practices by Fay Servicing we believe is an attempt to force us into a foreclosure. 

We want to pay at least half of our monthly escrow amount to reduce our overall payment, if not the full annual amount to further reduce our monthly obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting I have an open account with XXXX even in light of clear evidence I submitted showing the account is closed with a letter from the company stating the account is closed.