23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

M & T Bank purchased my mortgage loan XX/XX/XXXX from XXXX XXXX. My mortgage loan is FEDERALLY FRAUDULENT MORTGAGE LOAN due to MAJOR falsified information within the closing documents such as my year of birth, my marital status, my years of education and year of graduation from XXXX XXXX. Also, XXXX XXXX XXXX XXXX XXXX # XXXX requested on XX/XX/XXXX, that a termite inspection by a professional licensed company be completed and a termite letter be sent in to prove whether or not the termites found during the appraisal were an active infestation or not. That never happened no termite inspection or letter ever was done a day I was never informed of any of this by anybody not even my real-estate agent XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX cell # XXXX XXXX. 
I have emailed M & T Bank about this issue along with attachments of the closing documents with false information on them and my TN state Driver License from XXXX that I turned in when purchasing the home for documentation and my divorce decree all as evidence to prove to them that they are in possession of a FEDERALLY FRAUDULENT MORTGAGE LOAN yet they have responded with, we will look into it and I have not heard anything since XXXX. Per mortgage laws they have 30 days and we are coming up on the end of that & still I haven't heard a word from them! I only correspond to them via email and XXXX mail and or certified mail due to their constant lies and u professionalism also. 
They just now gave me an email address in XX/XX/XXXX to be able to correspond with them via email because since XX/XX/XXXX several employees have lied to me telling me they are not legally allowed to correspond via email about mortgages as if they were the XXXX XXXX XXXX I have dealt with! Completely unprofessional in every aspect of the definition of unprofessional and very disrespectful to me as well as telling me in XXXX that even though I had an active application for TN XXXX program that they could still foreclose on my home which was a complete lie. So, I don't correspond with them unless it's in writing due to their constant lies, immaturity and u professionalism.
Product: Mortgage

On my most recent job, I was paid weekly. I paid my Wells Fargo Home Mortgage bi-weekly. When I received my layoff notice, I paid my mortgage weekly XXXX and XX/XX/XXXX. 

On XXXX, XXXX, XXXX XXXX, and XXXX XX/XX/XXXX, I made payments of {$560.00} each from my Wells Fargo Bank Checking account. Unfortunately, the payment I noticed the XXXX XXXX payment was not credited to my account. As my goal was to pay my mortgage to XX/XX/XXXX. I have spoken to a bank representative 3 times with them always saying that all the payments have been credited. 

However, the deduction did not show on my bill pay to my mortgage just my checking account. I believe an employee has removed the records from the mortgage and bill pay, but could not delete the records from my checking account because these are separate departments. 

I have sent them a copy of my XXXX and XXXX statements but continue to be put off. If someone internally did this to me, I believe they have done this to other account holders and want them to be exposed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently files a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequality notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Exeter Finance LLC have been purposefully charging me extra fees in excess of {$2000.00} over the past XXXX  months in late fees after Informing them that I need to change my due date to XXXX of every month to help me pay my car payment onetime. 

I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month
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 accounts 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 XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX OHIO ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX SELF-REPORTED XXXX Balance : {$5.00} ; XXXX SELF-REPORTED XXXX Balance : {$330.00} ; UTILITY  SELF-REPORTED XXXX Balance : {$92.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Payday loan, title loan, or personal loan

XXXX XXXX : XXXX/XXXX/2017 On the date above, I submitted a loan request for the amount of {$500.00} because I was in a desperate need to pay some bills. It provided relief for that week only and after that I have been in a constant struggle trying to pay the loan back. With an APR of 700.01 %, it 's like I 'm never going to pay the loan back. In the end, I will have paid back {$2700.00} over a {$500.00} loan. I have called a couple of times to skip a payment but all that does is put the payment on the back end of the loan.
Product: Credit card

I signed up for an Apple Card ( issued by Goldman Sachs ) for the sole purpose of its advertised use- to buy apple products with 0 % financing for 24 months, with the option to trade in an XXXX after 12 payments with the value of the phone being deducted off the purchase price. This worked well, and I was planning to upgrade to a new model. However, Apple and Goldman Sachs changed their terms, materially, earlier this year, while still advertising the product as it was originally conceived. The new terms require a cell phone plan with only a choice of the largest 3 carriers in the US. Apple says you do not need to keep it on that plan, but one is required for purchase, using the monthly installments. This leaves people like me who were relying on Apple to keep their promise in a situation where a new phone can only be purchased with a big 3 carrier plan, whereas before, it could be purchased " on any carrier '' - which is still the case, but not with the monthly installments, which was 90 % the reason for me getting the card. This anticompetitive behavior hurts consumers who do not want to pay extremely high fees for a " big 3 '' carrier plan. It also means consumers that relied on this are stuck with a device that will be depreciating in value until the term of the payments is complete, or who take a huge loss.
Product: Mortgage

Hello my mortgage was transferred from XXXX XXXX to this company called SLS Specialized Loan Services llc XX/XX/2015. before my loan was transferred I had a monthly payment with XXXX XXXX for {$580.00} per month including taxes and insurance, never missing a month payment. XX/XX/2015 XXXX XXXX increased my payment to {$630.00} claiming the insurance had gone up. After my loan was transferred in XXXX 2015, my first three months were the same at {$630.00} then my XX/XX/XXXX statement came with a new monthly payment of $ XXXX/per month. I then called this new company SLS and was told there is an escrow shortage, this company SLS increased my monthly payment again it then went from XXXX to XXXX plus an additional amount of {$270.00} per month. This amount is not adding up unless iam paying double and triple for escrow. Iam asking for this to be resolved please.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate information and accounting. The consumer has advised Equifax LLC that the XXXX XXXX  account ( XXXX ) reported is fraud. Equifax, had 4 days according to the law to remove this item. An FTC fraud report was filed on behalf of the consumer for this item. The consumer is now requesting Equifax to provide the documentation used to determine this account was authorized by the consumer. Equifax has 15 days to provide me with the name of the person ( XXXX ) they spoke to, documentation used, signed application, with consumer 's wet ink signature. The consumer is NOT asking for an e-oscar report. If Equifax does not have documentation to show this account was in fact authorized, this account must be removed IMMEDIATELY. Equifax is liable under the SEC to follow certain rules. Equifax XXXX file number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NewYork XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will be filing Form XXXX treasury XXXX to audit the consumer 's account. 

EQUIFAX IS SECURITIZING CONSUMER 'S DATA, BUT EQUIFAX REFUSES TO PROVIDE THE CONSUMER A COPY OF THEIR CONSUMER FILE, NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the XXXX XXXX  XXXX.
Product: Student loan

Hello, I am hoping you might be able to help me out. Back in XXXX of 2023 I got word from my coworker that he received a check of the amount he paid towards his loan for XXXX XXXX XXXX - XXXX, OR. He told me to look into it to see if I would be getting paid as well, because we both went to the same school at the same time. So I started researching and found the article that was from last XXXX stating that students that went to XXXX would be having their loans XXXX. So I contacted Aidvantage and they told me to contact the borrowers defense hotline. So I did that and they told me to contact the loan servicer. So I'm just getting tossed back and forth with information that is not helpful. 

{$21000.00} was how much I paid towards the loan.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against XXXX XXXX for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt. 

Furthermore, XXXX XXXX XXXX XXXX report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, XXXX XXXX is not complying with these legal obligations. 

Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : XXXX. IMMEDIATE deletion of the unvalidated debt from all credit reporting agencies. 
XXXX. Statutory damages in the amount of {$5000.00} for XXXX XXXX failure to comply with federal law and their neglect in handling this matter. 

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. I expect XXXX XXXX to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have looked on my credit consumer report an Capital One is reporting one my report an I never had a Capital One card or account I read that in the u.s. codes that its illegal for them to put wrong information on your credit report I called an request the original documents but no response can you help an here are the u.s codes 15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : 1. Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 2. Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 3. Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage. 4. Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 5. Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX Account # XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right toprivacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states aconsumer reporting agency can not furnish a accountwithout my written instructions
Product: Checking or savings account

I just got a closed case and see there is an active business account I am unaware of- it ends in XXXX please help
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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, Experian, 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n 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: Credit card or prepaid card

I filed a dispute for {$270.00} on my prepaid card in XXXX they returned my money in XXXX and now the money is deducted again. I called American Express and they said dispute in favor of the merchant. My SS check will be deposited on XX/XX/XXXX I do not have money to pay my bills. I did not make this charge I tried to file another dispute they would not do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used insecure systems to store my personal information, including Social Security Number, Address, Birthdate, and more, along with millions of other consumers. They finally informed the public about a breach where this information was stolen. 

I checked on a site they set up and both my wife and I are shown as being victims. 

I have taken the steps I can to secure our reports, but this has huge implications for filing our taxes, getting credit in the future, and all the other potential problems of identity theft. 

To top it off, Equifax and other agencies get to charge {$10.00} to freeze your credit and another {$10.00} if you need to unfreeze it. Equifax, and honestly every reporting agency, should allow your credit to be frozen for free and at any time. Especially in response to this issue where they created a problem I would then have to pay them {$10.00} to correct. 

They offer a credit monitoring service, but added language that indicates you can not participate in a class action lawsuit if you make use of it. At every turn they are making the wrong moves and the government should take action to protect the consumers harmed. 

Thank you!
Product: Credit reporting or other personal consumer reports

Please see uploaded documentation pertaining to Experians failure to conduct a thorough and lawful reinvestigation of disputed items on my consumer report.
Product: Credit reporting or other personal consumer reports

I'm seeking your help regarding an inaccurate account listed on my credit report. This matter is affecting my reputation, and I need your intervention.
Product: Credit reporting or other personal consumer reports

this company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me XXXX XXXX XXXX Balance {$810.00} XX/XX/scrub>XXXX XXXX XXXXXXXX  XXXX Balance {$1700.00} XX/XX/scrub> XXXX XXXX XXXXXXXX Balance {$2700.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account that they have had on my credit since 2017 for a charge off. Additionally, they report it as a new charge off every month. I have asked for validation of debt and never gotten it and they will not take it off of credit. There is around 55 charge offs for the one account. I'm currently going to court over the issue now. Company is Experian credit bureau, XXXX XXXX XXXX XXXX, Texas XXXX.