23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

email I sent to Fay Servicing on XX/XX/year> : I have been trying to resolve this issue with your customer service department since XXXX. On XX/XX/year> XXXX finally called back and stated that when Fay Servicing received the loan from XXXX XXXX, there was outstanding interest and she was to send me a document showing the outstanding interest. As of today, XX/XX/year>, I never received any such document. 

Attached you will find the last statement from XXXX XXXX dated XX/XX/year> with the next payment due XX/XX/year>. The principal balance after the XX/XX/XXXX payment was {$330000.00} and as you can see, there is no outstanding or unpaid interest balance. The loan was completely current with automatic draft from my bank account on the XXXX of every month. 

The loan was transferred to Fay Servicing with a due date of XX/XX/year> and with automatic drafting instructions for XX/XX/year> and thereafter. For whatever reason, you chose not to draft until XX/XX/year>. The drafted payment in XXXX and XXXX were applied only to escrow and interest. Nothing was applied to interest. I have been trying to get an answer to this for the past three months and no one could explain it to me or provide any documentation for the reason. I understand that interest on this loan is calculated on a daily basis. Below you will see a chart of what I think the allocation of monthly payments should have been, based on daily interest, between principal, interest and escrow. 

Date Paid Int % Payment Escrow Interest Principal Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX The immediate impact on my principal balance is approximately {$1200.00} and much higher over the remaining term of the loan. 

I expect that I am not the only borrower impacted by this error which probably amounted to hundreds of thousands if not millions of dollars to the detriment of your borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, DEPT OF EDUCATION Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are twoXX/XX/XXXX card accounts listed on my account, the first with a {$1600.00} credit limit and a close date of XX/XX/XXXX, but a last payment date of XX/XX/XXXX and pays as agrees status through XX/XX/XXXX. These late payments are incorrect and should be removed, but they have not been. Is is apparent they are incorrect as the dates do not line up and there is no payment information for the times the account was actually open. The second account is listed as a charge off paid on XX/XX/XXXX and opened in XXXX, but with no pays as agreed information and no credit amounts listed, only two 30 days past, one 60 days, one 90, and then a charge off, in XX/XX/XXXX. This account was in good standing until it was closed, and that should reflect on my credit report.
Product: Credit card

The merchant refuses to assist with a billing dispute issue. Their internal system has an inquiry number of XXXX and a chat ID was issued today of XXXX. A {$260.00} charge is on my account for an item that was returned. The item was returned to the merchant and American Express refuses to issue a credit. The merchant has said that they do not have any record of the return, but the merchant is clearly wrong as the item was returned to them. American Express refuses to issue a credit and has spent the last 3 months going back and forth with me and sending me generic responses to all correspondence.
Product: Mortgage

A finance of my marital home was completed by my husband ( we are in the middle of a divorce ) however I was not included on the finance despite my name being on the deed of trust for the home. CMG Home Loans completed this loan and then sent the documents over to Priority Title and Escrow who paid off the original mortgage that I was on and paid all proceeds from the equity directly to my husband despite my name being on the deed of trust. Our original mortgage was through CMG and once I received an email stating that the mortgage had been paid off I immediately called them to find out how and why and they refused to provide any information stating that I am not on the new loan so they couldn't help me. A formal complaint has been filed with the state of Missouri on Priority Title & Escrow as well. Numerous attempts to reach Priority Title and Escrow has been made including an attorney demand and no response has been received back. At this point CMG has no security on this property as Priority Title and Escrow can not file the Deed of Trust without a marital waiver and quick claim deed which they will not be receiving. CMG accepted improper documents to complete this finance.
Product: Checking or savings account

In 2013 in XXXX XXXX I went into a Wells Fargo to cash a check. I had been scammed on the internet and was mailed this fraudulent check and told to deposit it. The teller was new, not properly trained and did not have another teller there to help her. She did not thoroughly examine the very suspicious check ( for about {$2000.00} ) and when it was discovered to bounce, nearly 2 weeks later, I was charged all sorts of overdraft fees and my account was negative. I now realize that it was very obvious that the check was fake and incredibly suspicious and that any properly trained teller should have been able to tell immediately what it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts. 

1 ) XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I disputed with Equifax the collections claim from XXXX XXXX XXXX and they resolved the dispute in less than 30 days with not documentation from XXXX XXXX XXXX to prove the claim. They sent me no postal mail and said I had to re-enter a dispute. They only had results and legal documentation to backup their results.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2023
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for reporting inaccurate and/or incomplete information in violation of the Fair Credit Reporting Act ( FCRA ). These discrepancies concern a bankruptcy record that has been reported inconsistently and inaccurately, causing harm to my credit profile. 

Identified Discrepancies 1. Reference Number : Experian lists the bankruptcy reference number as XXXX, while another credit bureau reports it as XXXX without the additional identifier. 

2. Court Identification : Experian records the court as XXXX XXXX XXXX  NJ XXXX, whereas another bureau lists it as U.S. Bankruptcy Court.

FCRA Violations 1. Section 607 ( b ) : Requirement for Maximum Possible Accuracy Experian has failed to ensure the accuracy and consistency of the information reported, violating this section of the FCRA.

2. Section 609 ( a ) ( 1 ) : Consumers Right to Accurate and Complete Information The discrepancies in the reference number and court identification prevent me from accessing a fully accurate and complete credit report, as guaranteed under this section.

3. Section 623 ( a ) ( 1 ) : Obligation of Data Providers The data providers responsible for this information have not ensured its accuracy and completeness before submitting it to Experian, further compounding the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Over the course of the last 3 days XXXX XXXX XXXX contacted me regarding my Sisters debt. They have called me on 4 different occasions. The first time they called I asked if they had my sister 's telephone number and address, they confirmed that they did. I confirm the address and telephone number with the debt collector at that time. The second time they called they told me that they were unable to reach my sister and asked me if I could contact her and tell her to pay the bill. I told them I will relay a message to my sister, which I did. The third time they called, I picked up the call and ask them to stop harassing me and hung up. The 4th time they called I let it go to voicemail. They left a detailed message regarding information about my sister 's debt. The person that called the fourth time identified herself as XXXX XXXX at XXXX Ext. XXXX. I immediately called back after listening to the message and told them to remove my telephone number from their records and also told them about XXXX XXXX 's elaboration of my sister 's debt on my voicemail. My personal name and number is clearly stated within the voicemail greeting. My sister 's name is XXXX XXXX. My name is XXXX XXXX. My sister lives in XXXX, California and I live in the XXXX Massachusetts area. 

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

I would like reported accounts removed.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am filing this complaint on behalf of my NON-ENGLISH speaking XXXX-year-old mother. She can NOT read or WRITE English and has been diagnosed with XXXX. She was given this loan via check mailed to her which was taken and deposited at her bank. She did not understand that this was a loan. I attempted to contact and explain the situation to this lender and they refuse to help.
Product: Credit card or prepaid card

Due to struggles with Covid 19 paid a bill a few days late, but paid in full. CHASE will not credit the late fee and continue charging late fee over late fee over late fee and would not take into account COVID 19 hardship. My husband and I are currently unemployed. Today asked them again and they told me no and when I logged into the account, it was closed. The balance is XXXX and is totally late fee and interest. They removed the other fees they charged improperly. Illinois only started paying unemployment for COVID in late may and as soon as we got it we started paying all the bills. I had no issues with other cards, they removed the late fees if any were incurred and paid all my balances, except for CHASE.
Product: Credit reporting or other personal consumer reports

Target charged off and assigned my debt to a law firm. I worked with the law firm to agree on a debt settlement agreement. I paid the agreement. They sent me a copy of my debt settlement agreement. The settlement was completed XX/XX/year>. Target is still reporting my account delinquent when it should report no balance this account is settlement paid for less than owed. Instead target is reporting to the credit bureaus that I made a payment but that I still owe the rest of the balance. When I contacted target they refused to work with me, they said they could do nothing for me even though when I called the law firm they said they showed my account settled and that I dont owe anymore. I have a copy of my debt settlement agreement but target keeps denying it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX account # : XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have made several attempts to resolve this issue. I am not sure if National Credit Audit Co is a legitimate debt collections company. They have the same rude person XXXX, asking the phone. I called again on XXXX XXXX around XXXX XXXX  to discuss this possible debt. I informed her, if a settlement was available, and I want a notice from the debt collection agency.XXXX placed me on hold, and then disconnected the call on purpose. She refused to send any information, regarding the debt. First I do not agree with the debt. Second, this place seems like a scam. Why are there only 2 people working, the same. I am asking to investigate this company further, to confirm. Then I want a copy of the notice, t mailed to my address provided on the complaint form. If this place is not a scam, settle the account with someone other then rude XXXX. its unacceptable for XXXX, to be rude and unprofessional and lie about disconnecting the call. I did a screen snap, to show she placed me on hold as evidence if needed. Resolve my issue and remove from my credit report. 

* XXXX claims I disconnected the call, which is a lie. If that is the case, why did she not call back. I immediately called back and left a message. Clearly XXXX is not telling the truth
Product: Debt collection

XX/XX/XXXX I had an XXXX at XXXX XXXX Medical Center and my Medicare Plan was with XXXX XXXX XXXX XXXX of TX. I paid {$120.00} for the procedure. 

On XXXX XXXX, XXXX I had another XXXX XXXX at the same place in the same XXXX and was advised that I had a {$120.00} copay. Due to complications I was not admitted but put on observation status and released before 24 hours on XXXX XXXX, XXXX. 

I paid the {$120.00} that was authorized by XXXX XXXX XXXX XXXX. 

I got a bill from XXXX XXXX Medical Center in XX/XX/XXXX stating I owed {$220.00}. I had already paid {$120.00} and I questioned that bill. I even sent in paperwork requesting financial assistance as I did n't understand the bill. I was told by someone that " XXXX XXXX '' was billable. I could not pay the bill as I had paid {$120.00} prior to the procedure. 

I contacted XXXX XXXX XXXX XXXX who advised me that I was only responsible for the {$120.00}, not anymore. I called XXXX XXXX Medical Center and they claimed that was not true and by XXXX XXXX, they filled a collection on my credit report for {$220.00}. 

I disputed the XXXX bureaus and it was removed. 

Now, it 's XX/XX/XXXX and someone named XXXX ( Global Receivable Collections ) has filed on the all three bureaus dropping my score to XXXX. I just bought a house and had a XXXX at the time. 

I have once again called XXXX XXXX XXXX XXXX, I was given a case number and this company claims they do n't know where my debt came from but they have it and I owe it. I do n't owe them anything, I do n't owe XXXX XXXX XXXX XXXX anything and have no clue, other than from watching XXXX XXXX on " XXXX '' that someone used an excel spreadsheet and bought this debt that has been written off by XXXX XXXX XXXX XXXX and they are trying to collect. 

This is wrong, this should be illegal. I dont ' owe {$220.00} to anyone! XXXX XXXX says I do n't and I had a reference number and this company refuses to contact XXXX XXXX XXXX XXXX because they have no clue where the debt originated. They wo n't talk to me about it. 

I have NOT received mail from them. I have received phone calls that no one answers and they have called my work phone! What XXXX is wrong with America!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to complaint # XXXX. 

FMS informed you all that the account I've been disputing since XXXX would be updated by XX/XX/XXXX to state included in bankruptcy with a zero balance. 

In reviewing my credit report, they still reported a balance and never made good on their word. 

This is fraudulent and defamation of my character as they're continuing to report false information about me. 

Attached is a screenshot of the XX/XX/XXXX reporting.
Product: Credit reporting

I have not applied for any credit, but XXXX did a hard pull XXXX/XXXX/16, reducing my credit score. I 've seen several complaints about XXXX, and was advised to start my dispute here.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX violated my right under usc.1681c ( b ). Again they both failed to ensure the accuracy of my information and this is not in compliance of the FCRA. I am requesting that all information contained in these reports to be deleted immediately XXXX ) XXXX  XXXX account # XXXX inaccurate information balance and payment history XXXX ) XXXX XXXX account # XXXX inaccurate info balance and payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act US Bank 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 : States a consumer reporting agency can not furnish an account without my written consent 15 USC 1666b- States a creditor may not treat a late payment on a credit card account under an open end consumer report as Late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

They said i have to wait the 2 years to let these inquiries drop and i dont think its fair that my info is shared with different companies for XXXX mortgage