23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I called M & T Bank because they took over the mortgage servicing from XXXXXXXX XXXX with which I originated my loan. My payment had, for XXXX  years, been paid in advance by auto-deduction on the XXXX of each month prior to the XXXX of month due date. They did not draft my payment and I spoke to XXXX, who took a manual payment over the phone on XX/XX/XXXX for my XXXX payment and told me next month it would be drafted on time. On XX/XX/XXXX, I called and spoke to XXXX because my payment had not been drafted on the XX/XX/XXXX to pay my mortgage payment for XXXX. In addition, looking at my loan online I saw previously that the payment taken over the phone was applied as a principal payment, which was incorrect. He told me it was corrected after the fact and the manual payment was applied to XX/XX/XXXX due date. My next due date is showing XX/XX/XXXX and no payment was taken as of XX/XX/XXXX. I was told that the draft for the XX/XX/XXXX payment was not due to come out until XX/XX/XXXX. That is XXXX days later than the due date and incorrect according to the terms agreed to at origination. We have never paid XXXX days in arrears. I asked to speak to a supervisor and talked to XXXX. She said that M & T Bank does not offer advance payment, so my XXXX payment will be drafted XX/XX/XXXX instead of in XXXX, as we had been told. She was unable to explain how suddenly this change would affect the APR or amortization of the loan, including escrows. I am still unsure as to whether the manual payment taken over the phone by XXXX was applied to principal or as my XXXX payment, since the statement does not fully describe whether the payment or the principal payment was reversed. Something does not seem right about this ; therefore, I am requesting the regulators get involved.
Product: Credit reporting

Experian did not send me the proof of verification I requested on several inaccurate and erroneous accounts that are being reported on my credit. I feel as though they are refusing to help me with issues I am having with specific creditors and collection agencies. I have sent them XXXX letters and request to no avail. I feel as though I am being discriminated against and would like to have them investigated.
Product: Credit reporting or other personal consumer reports

I just found a big error on my credit reportan account thats either not mine or totally wrong. This is messing up my credit score and causing unnecessary harm.
Product: Credit reporting, credit repair services, 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 u.s.c 1681 Dept of EDXXXX # XXXX XXXX 
XXXX XXXX # XXXX .... 
U.S. Dept. Education # XXXX .... Said accts have 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 written instructions.

15 u.s.c 1681 c. ( 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 7 years.

15 u.s.c 1681 S-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 or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may in
clude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of EducationXXXX : XXXX I looked at my Experian credit report on XX/XX/year> and noticed errors and information that is not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or delated from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/XXXX  Subject : Urgent Request to Remove Inaccuracies from Credit Report Dear Sir/Madam , I am writing to urgently request the removal of inaccuracies from my credit report, as maintained by [ Credit Bureau Name ] . The presence of these inaccuracies, which exceed 10 in number, is significantly impacting my ability to secure a mortgage for my new home. My mortgage company has highlighted these discrepancies as a major hindrance to my home financing. 

In accordance with 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the expedited removal of any incorrect information from my credit report. I am exercising this right and urge your prompt attention to the following inaccuracies in my report : 1. Date Opened : The dates are incorrect and inconsistent. 
2. Balance 2 : The amounts are inaccurate and inconsistent across all records. 
XXXX. High Credit : The reported amounts for all three credit reporting agencies ( TransUnion, XXXX, and XXXX ) are incorrect. 
4. Credit Limit : The reported credit limits are inaccurate and erroneous. 
5. Past Due 5 : The past due amounts vary among the three credit reporting agencies. 
6. Payment Status : The payment status is showing different days. 
7. Last Reported : The reporting dates are inconsistent and differ across the three agencies.

8. Date Last Active : The date of last activity is showing discrepancies in days, months, and years. 
9. Date of Last Payment : The reported dates are entirely different and not accurate. 

These inaccuracies have immediate and profound consequences for my financial goals, particularly my pursuit of homeownership. I implore you to expedite the resolution of these inaccuracies in line with the FCRA. 

I respectfully request that you promptly investigate and verify the information contained in my credit report and take the necessary steps to correct or remove any inaccuracies. Given the urgency of my situation, I kindly ask for immediate attention and action. 

To facilitate your investigation, I have attached copies of the documents that support my dispute, including [ List any supporting documents you are attaching ]. 

Please be aware that the FCRA mandates the completion of your investigation within 30 days. However, I urge you to expedite this process due to the significant impact these inaccuracies have on my financial prospects. 

I anxiously await your prompt resolution of this matter and expect written confirmation of the results of your investigation, as well as a copy of my updated credit report, as soon as possible. 

Your expedited assistance is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I got an email from PayPal saying I owed {$600.00} plus dollars for some crypto!

I don't use crypto it is not a PayPal it's not legit it was a XXXX  debt collecting statement I guess!
Product: Debt collection

XXXX XXXX XXXX is reporting on my credit report as a Collection. The original creditor is XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Both collection debts were placed on my credit report on XX/XX/2018. 

XXXX XXXX XXXX XXXX XXXX is in the amount of {$110.00}. 

XXXX XXXX XXXX XXXX XXXX is in the amount of {$210.00}. 

I have sent a debt validation to the Debt Collector and has not received a response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 



I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 



I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS Account Number : XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of a derogatory mark on my credit report by my credit monitoring service. I pulled my report called the debt collection company and got the original debtors info. I called and found out it was a medical bill for my minor son who was living with his mother, my ex wi

fe ( custodial parent ) at that time. The medical billing department stated they billed me because I carried the insura
nce. The sent all bills to my ex wife 's address as that was the address they had on file. She never paid or notified me of any bill that came to her address. She signed the financial responsibility papers when taking him to the Dr . I gladly paid the billing department directly and was told before hand that it would remove it from my credit report.

As I was never properly notified of the debt how could it be a late payment on my part? I am being punished by an error on the doctors office. Both the credit reporting agency, Experian and the collector. XXXX XXXX XXXX will not do anything about it after 2 appeals.
Product: Credit card or prepaid card

I reported fraud on my Capital One Quiksikver card on XX/XX/XXXX from a retailer called SSense for {$2000.00}. I immediate notified my card company once I saw these charges posted and shut down the cars and ordered a new one. I received a letter in the mail about 2 weeks later stating that this case was revised and found to be fraud and closed and I wouldnt be responsible for the charges. Today, XX/XX/XXXX, I saw the charges repost for the full amount even though I did not make them!! I am livid that Capital One would try to get me to pay {$2000.00} worth of fraud for something I never bought! I have been keeping up with my payments during the pandemic and never carried a balance or had a late payment and I am frustrated they would do this to me. I did not make the payment so I shouldnt be stuck paying for fraud.
Product: Student loan

XXXX XXXX and his Department of Government Efficiency ( DOGE ) gaining access to personal information from the Treasury Department is a data breach that violates privacy and could harm public benefits. The sensitive data accessed by XXXX and his team could be weaponized for personal or corporate gain. This data could be used to target individuals or organizations unfairly, leading to potential harm and misuse.
Product: Mortgage

I bought my house ( a new construction ) in XXXX. My loan was sold to AmeriHome in XX/XX/XXXX. In XX/XX/XXXX, I discovered that AmeriHome had increased my monthly mortgage of {$1600.00} to over {$2200.00}. There was no prior notice from them to explain this. I called them immediately to ask why and that I ( like almost everybody else ) will not be able to afford an additional increase of {$500.00} every month. I had gone further to explain to them that I had changed job in XX/XX/XXXX and dropped salary from a XXXX to a XXXX, yet continued to pay the required amount without complaints. AmeriHome told me that they increased my mortgage because my taxes increased. I went to the County Office and was told that my taxes did not increase, rather they just started taxing me on the house, unlike previous years that only the land was taxed. I tried working with AmeriHome, but they were not willing to. Immediately, I contacted one of the loan servicers that had been mailing me great offers and started the refinancing process with them at a much lower APR of about 2.5 %. I continued making the payment to AmeriHome and then in XXXX and XXXX, they returned my payments and reported me to the credit bureaus for missing payments. The first month of reporting, I dropped XXXX points and then dropped about XXXX  points after. One of the AmeriHomXXXX representatives advised that the loan be put in forbearance to prevent further credit score drop and for the issue to be resolved. AmeriHome reduced my monthly pay to {$1900.00} and I told them that it is still too high for me. The company that I wanted to refinance with dropped me after they assessed the house and no other company would refinance my mortgage. Before I knew it, AmeriHome sold my loan to XXXX and I got to know this because the new company contacted me to introduce themselves as my new loan servicer. I called AmeriHome again and they told me XXXX is their sister company and that it was just a transfer ( this I found to be untrue ). I wanted to sue AmeriHome, but I was called away on XXXX to XXXX. The new servicer is trying to modify my loan, but I can't bear refinancing my loan with them for 40 years. AmeriHomXXXX caused great damage to my credit score, making me to pay more for no reason, made me to lose refinancing my home at a much lower APR, and also caused some XXXX XXXX XXXX  emotional hurt to me.
Product: Mortgage

I took a forbearance option for Covid relief in XXXX XXXX XXXX  with Freedom Mortgage Corporation. During this time I was told XXXX of my options under this program was that I could put the payments missed toward the end of the loan interest free and that it would be discussed that the end of the forbearance term. I had XXXX extensions, XXXX in XXXX, and XXXX in XXXX XXXX XXXX, both to which I was informed for clarification purposes that my option was to put the payments at the end of my loan term interest free and this option would be enacted at the end of forbearance. It is now that time for this option to be enacted and I am told that option is no longer available under the VA and my only XXXX options is to pay an additional XXXX a month for 6 months it start a new term loan with skyrocketed interest rates under a new term if I qualify. Im not sure how this relief plan helped anyone but I am cheated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests to TransUnion disputing the personal information and they refuse to delete inaccurate information. The addresses they are reporting are not mine. Some of the addresses listed ARE NOT EVEN VALID ADDRESSES, which is proof that they are not investigating this information. A quick USPS search will show that some of the addresses do not even exist! The only valid address on my credit report is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. Delete the incorrect AND invalid addresses and provide me with a copy of my updated credit report reflecting the CORRECT information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a new car from XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TXXXXX.  Phone # XXXX. The lease was started on XXXX XXXX. The lease is for 36 months. All payments have been made on time. At this time 20 payments o {$1500.00} have been made. There are 16 payments remaining. XXXX  XXXX  reports to the three Credit Bureaus a balance of {$69000.00}. This is incorrect multiply 16 X {$1500.00} and the balance should be reported as {$25000.00}. XXXX XXXX continues to fraudulently report the wrong amount in order to make their books look better. My account # is XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I barely use my Bank of American Checking account, and just logged in for the first time in ages as I saw that my balance was very low. I now see that for the last 16 months I was charged a {$12.00} " Monthly Maintenance Fee '', the rep I spoke to said it's because the balance went under {$1500.00}. 

I was unaware of this requirement, and now 16 of these fees totaling {$190.00}. This is absurd. I asked the rep to refund the fees, and she did just the most recent fee, so there is still {$180.00} in " maintenance '' fees for maintaining a nearly dormant account. 

So I'm paying you {$180.00} to hold a free loan with my money. What a terrible scam!
Product: Credit card or prepaid card

I demand a full check of the amount listed below or an open end credit plan for the 3 credit cards in the total amount of invoice sent to the address attached or A permanent credit in the total amount of invoice for the violations you have committed, the pain you have caused. I would prefer for the credit card accounts to be listed positive in good standing reporting monthly to all three credit bureaus with in 15 calendar days. Remove any and all liens from the credit accounts, and grant full permanent access to account login or a check written in my name for the total amount {$150000.00}. So it is and so it be. We can settle this between us or I can move further and take this to litigation. I know my rights and my rights have been violated. You have committed fraud under my name. 
Pursuant 15 USC 1605 Pursuant 15 USC 1692d Pursuant 15 USC 1602 Pursuant 15 USC 1640 Pursuant to 15 USC 1692c. ( c ) I am contacting you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.