23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, I am filing a dispute against AmeriHome Mortgage. The company reported a deliquency in my mortgage payment stating I was behind XXXX months of payments although, as of XX/XX/XXXX, I was enrolled in auto XXXX XXXX. I had recieved confirmation that my first Auto pay would process XX/XX/XXXX. On XX/XX/XXXX my Mom was having XXXX XXXX and she became my priority focus. It was not until XX/XX/XXXX I realized my credit score had been affected ( drop in points ). While investigating what happened, I came to realize that it was from AmeriHome Mortgage stating I was behind on two payments. This was a suprise to me since I had confirmation I was set up on auto pay. Because AmeriHome is closed on weekends I was unable to contact a representive however, I did immediatley, on Saturday XX/XX/XXXX, make an on line payment to AmeriHome. On Monday XX/XX/XXXX, I contacted AmeriHome and explained the situation. They stated my payment I made on Saturday XX/XX/XXXX had not come through yet. I offered to make the entire payment over the phone and they would not let me make a partial payment over the phone until that payment came through. They also stated I was a new costomer so it would take a few months for the auto pay to go into effect but it should be working by XXXX. I have a verification that was sent to me on XX/XX/XXXX stating I was enrolled and the first payment was to come out on XX/XX/XXXX. ( See Attached ). I asked how I can get this all cleared up and remove the deliquency from my credit report and they stated I needed to file a complaint with the credit bureau. 

Series of events : On XX/XX/XXXX I started service with AmeriHome Mortgage XX/XX/XXXX I was confirmed that I was enrolled in Auto pay via email from AmeriMortgage XX/XX/XXXX discovered AmriMortgage did NOT utilize the Auto pay I set up for the month of XXXX or XXXX. 
XX/XX/XXXX electronic payment for the month of XXXX made XX/XX/XXXX I spoke with representive that informed me they do not see the electronic payment yet and that they could not take any payment from me until the posted payment is cleared and that I will need to call them back when that happens. They also told me to contact the credit Burea to file this complaint.
Product: Student loan

I have student loans managed by Navient. I had difficulties repaying my loans, on XXXX I spoke to a representative-XXXX  XXXX and was enrolled in the Rate Reduction Program for 6 months. I was told only one account ending in XXXX would not be enrolled in the program and I would have to make separate payments to this account. I continued to receive phone calls after the first payment of {$420.00} was made on XXXX. I was also told by XXXX XXXX on XXXX, that the while in the Rate Reduction Program, my account could be reported to the Credit Reporting Agency ; however after my 3rd payment I should call and have it removed. I continued to receive phone calls from " Sallie Mae '' on my caller id regarding my loan. I called on XXXX, regarding ongoing calls from Navient. When I called I explained I was enrolled in the Rate Reduction Program and questioned why I was being called. I was then told that the amounts given was not correct and a different arrangement had to be made. The new arrangement was {$360.00} monthly and account ending in XXXX would be paid separately each month. On XXXX-I received an alert from the Credit Reporting Agency indicating that my the was 30 days past due. I contacted Navient and was told that I needed to send a letter to their Credit Bureau office. Approximately a week later, the negative item was removed from my credit reports before I sent in the dispute to Navient. Then on XXXX, I received an alert indicating that Navient reported my account 90 days past due. I immediately contacted Navient and was transferred to the " Federal Loan Department ''. I spoke to a representative in the " Federal Loan Dept '' ( Representative XXXX ). I was told the account reported was my Federal loan and not the private loans. I was told that when I made the arrangement for the Rate Reduction Program, it was only for the private loans and they " can not see '' the federal loans ; although all my loans are managed my Navient. I was never told that the federal loan was being managed separately from the private loan. In the past when I enrolled in an income based repayment plan all loans were included in the plan. I had several phone conversations with Navient and at no time was I made aware that they could not " see '' my federal loan. When I explained to the representative that this was not explained to me ; he was dismissive and indicated that it would be very difficult for me to have this negative item removed from my credit report. This is an ongoing situation with Navient where conflicting information is given to customers by their representatives. This situation is stressful, time consuming and I feel hopeless. I took the necessary measures to responsibly take care of my account only to be provided conflicting and misleading information. I appreciate your attention and assistance in this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Fl XXXX I want all other names on my calendar edit file removed I want any addresses other than the one listed here on my report I want them removed. I have tried to no avail to get my name fixed on my credit file I have submitted copies of my DL and SS and still they have not corrected my name. XXXX has had my name I. Several breaches and just recently admitted to not putting correct information on consumers credit report. I want my name corrected and address and for my name not to be in another breach with any credit bureau.This is in violation of my rights and fair credit reporting act. This is my final resort contacting your office to help me fix this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

After many, many letters that have been mailed and uploaded to Experian, they have not removed addresses that are inaccurate. The most recent letters mailed to Experian were sent on the dates XX/XX/2023, XX/XX/2023, and XX/XX/2023. Still, they have not removed the inaccurate addresses. Letters sent to Experian on these dates are attached. They have blatantly ignored every single letter sent. 

Experian 's website will not allow me to dispute the incorrect personal information ( please see attached ). The website directs me to upload or call instead. Well, the phone number leads me to speaking to a robot, and I have uploaded my disputes every single month over the last 6+ months, and I have been IGNORED! Experian is not correcting my credit report. They are allowing inaccurate data and information to be reported which is illegal!
Product: Credit card

As a recently XXXX XXXX, I became aware of the Servicemembers Civil Relief Act ( SCRA ). I submitted a request to Discover Card on XX/XX/2023 that reads as follows : " As a XXXXXXXX XXXX  XXXX, recently retired XXXX Military veteran, I would like to request debt relief assistance under the Servicemembers Civil Relief Act ( SCRA ) via debt or interest rate reduction for the account ( XXXX ) I have with your company. Attached is my Veterans Affairs XXXX letter. '' Approximately, a 10 days later I received notification from Discover Card that they have closed my account. Per SCRA, " a lender cant revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender cant furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances but you still have to pay back your debts. '' Discover Card violated my rights as a servicemember and federal SCRA laws. I would like my card reinstated, the debt and interest rate reduced.
Product: Credit reporting or other personal consumer reports

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

This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate accounts that I want to correct : XXXXXXXX XXXX XXXX XXXX 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: Bank account or service

I opened up a TD Bank account in XX/XX/2017. This bank account had a bank promotion of receiving {$150.00} after making {$500.00} in direct deposits within 90 days. I have met the terms of the bonus. When I messaged TD Bank about the bonus they sent me the following message : " Hello XXXX, Thank you for contacting us in regards to the new account opening promotion. 

TD Bank is currently offering a new promotion that is available only through the Online Banking, by clicking on the " apply now '' through the Ad on TDbank.com. Once the account has been opened through the landing page, the applicant can choose between one of two options : Open a TD Convenience Checking account plus receive direct deposit ( s ) totaling {$500.00} or more within 60 days of account opening to earn a {$100.00} bonus. 

Or Open a TD Premier Checking account plus receive direct deposit ( s ) totaling {$2500.00} or more within 60 days of account opening to earn a {$200.00} bonus. 

The account must be opened for at least 95 calendar days to receive the incentive. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. 

A review of our records indicates that this account was opened in person at your local TD Bank store location. Where this is an online only promotion the account would not be eligible for the promotion. 

If it is helpful to note, TD Bank does run promotions periodically for current, or past, Customers. Please feel free to check in with your local TD Bank Store for any promotions that may be available in your area. 

We apologize for any confusion. 

If you have any further questions, please contact us via email or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week. 

Kind regards, XXXX XXXX. 
TD Bank On-Line E-mail Specialist '' There are two problems with this response. I received an email of the promotion from a TD Bank representative. She informed me that I was eligible for the promotion. The promotion she sent me says nothing about the account having to be opened online. The 2nd issue is that the response says the promotion was for {$100.00} when in fact it was for {$150.00}. I have the email that the representative sent me. This is completely unacceptable to tell me I can open an account and get a promotion and then months later after I have already completed the terms tell me that I can not get the promotion when the representative said I could.
Product: Mortgage

NewRez LLC services my mortgage. They failed to pay the premium for my property insurance, XXXX XXXX XXXX XXXX which was due XX/XX/2021. On XX/XX/2021, I received a notice of cancellation from XXXX, on the same day I had to submit a claim for wind damage on the XXXX policy. I was understandably upset by this coincidence. When I attempted to contact NewRez to rectify the problem, I was put through an extremely complex phone-option system that disconnected me after a XXXX effort the first time, sent me to a customer satisfaction survey before I had received any customer service and then disconnected me again the second time, and then finally connected me with a representative the third time, who claimed that NewRez had not received an invoice for the premium. This assertion was contradicted the information on NewRez 's customer portal, which clearly listed the premium as due XX/XX/2021, and nevertheless showed it as unpaid. NewRez 's representative placed me on an extremely long hold after which she informed me that she had spoken with XXXX and would be able to get the insurance verified as still in force, and p [ romised to get a check to XXXX within 2 business days. Although I am relieved that my homeowner 's insurance has not in fact been cancelled, apparently by the good graces of XXXX, I am happy to receive an assurance that NewRez will do its job after escrowing funds for the purpose, I am shocked that I was required to go through this process to get this company to service the loan they undertook to do. Since as a consumer I have no choice in the matter of what company services my loan once it is sold, I feel my only remedy to deal with quality control and customer service issues such as this, that put homeowners ' properties at risk of being uninsured, is to bring this egregious behavior to the attention of the authorities, and perhaps to other consumers.
Product: Credit reporting or other personal consumer reports

I leased a car in XXXX through brite financial services ; in XXXX XXXX Michigan, For 4 years the lease was up in XXXX of XXXX. 
When I turned the car in, they reported on my credit that I owed money, which was not true. The car had a device on it which shuts the car off if I was a couple days late, I was in an agreement to pay the note every week, so it was no way possible I was able to drive to turn a car in that I allegedly owed a balance on. However I hired a lawyer because they attempted to sue me for a balance I didnt owe. I showed receipts and my lawyers got the case dismissed. They were suppose to just update the account, but instead they deleted the account, so now it looks like I never had a leased vehicle. I want my credit history placed back on my account correctly, i worked hard to pay that car off for 4 years only for this consonant to rob me of that history, I believe this is retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my credit score went up to XXXX. Then on XX/XX/2019 it went down 4 points for using my vard. My total usage was 19 % and went to 25 % in the same month. I am being penalized for simply using my credit cards which I pay off at the end of my cycle. 
The prepaid card reports the XXXX The credit card reports the XXXX They each report twice a month. 
Then every 7 days sometimes 3 times a month my credit score is changed. 
XXXX is playing with my score. 
I should not be penalized for using my card within the same cycle.
Product: Mortgage

I applied for a 2nd second home mortgage back at the end of XXXX and have had a horrible experience with with the lender XXXX. Loan officer XXXX XXXX | XXXX # XXXX was the person working on my loan. She refused to communicate properly with me and just sent forms for me to sign through a online portal. While I tried to look over the forms carefully, I missed the box being checked that my mortgage rate of 4 % wasnt locked in. XXXX wouldnt verbally discuss the interest rate or locking it in or not. She wouldnt explain the process with me at all. I was totally in the dark and I expected that a loan officer would explain things to me that were important like my interest rate being locked in or not. It wasnt locked in and now interest rates are 5.25 %. A new loan officer informed me that the interest rate will be now 4.75 % and I will have to come up with {$6800.00} in order to close because of XXXX not informing me that I needed to make a decision about locking in or not. She wouldnt take my calls and ignored me. When I asked her about the interest rate on XXXX, she gaslighted me saying we discussed the interest rate. I assure you we most certainly did not. She shouldnt allowed to work with the public anymore. I trusted that I would have the process explained to me. She didnt feel she needing to communicate with me other than sending forms I didnt understand.
Product: Debt collection

I recently sent a complaint to you all regarding XXXX  whom goes by two names XXXX  not being one thats reporting on my credit but in fact XXXX  whom which I never done business with ever. My most recent complaint was closed because they sent a response back saying they bought this debt from First progress and they have legal obligations to collect on this debt that was never properly verified, never received a notice and sent them a certified letter in the mail twice requesting a signed contract from me and XXXX or XXXX whatever they go but an this debt they claim I owe was apparently sold almost over 6 years ago yet its funny how after I paid the creditor in full on XXXX XXXX all of a sudden they some how are trying to say I owe them money and collect on a debt that is not mined because they bought this debt from first progress. I dont business with first progress nor XXXX. My Question to XXXX  Im sorry XXXX  when was notice sent to my current address? When was this debt validated? When have we been in contact besides the letters Ive sent and never received a response and based on the fair credit collection act you have violated and never properly validated a debt that does not belong to me nor you. I will not pay you any and now Im going to be forced to take legal action because not only has my credit be affected you all are fraudulently trying to collect money on a debt that was not properly validated nor did the consumer receive notice from XXXX  for them to place on my credit report. They need to reach out to First progress and collect money from them because this debt was paid directly to the creditor and I refuse to be a victim to fraud. Yall have since sent me a signed contract stating yall can collect and still have failed to do so and a printed out bill does not validate any debt.
Product: Debt collection

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rediscovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago, My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 

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