23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanCare bought my mortgage loan in XX/XX/XXXX. 
They botched the transfer from original lender and are mismanaging my escrow account. 
XX/XX/XXXX, they neglected to pay my property taxes. I had to contact XXXX County, and LoanCare in order to make sure the tax payment was made, and that I wouldn't pay any interest and penalties. 
In XX/XX/XXXX, they contacted me with letters saying they did not have proof of insurance, and they would be opening a new policy on my behalf unless I provided proof of insurance.I had to contact my insurance company and HOA to get the needed proof. Again, this was information that *should* have been handled during the loan purchase by Loancare. 
In XX/XX/XXXX, they sent me an escrow statement saying that I would need to add an additional {$1100.00} to my account, despite the fact that neither property taxes nor insurance premiums have increased. 

I contacted LoanCare to delete my escrow account so I can manage myself, since I've already been doing that.

The first request was NEVER acknowledged, so I had to contact them again, and follow up constantly.

The result : denied my request because I haven't held the loan for 24 months.

My money is literally being held hostage, and they're asking for more, and if this keeps up, they will continue to do so for the next 18 months.

I have a perfect credit score, no late payments in 17 years of home-ownership, yet I can't get them to give me my own money back so I can ( continue to ) manage my escrow account.
Product: Debt collection

Hi, Have contacted Affirm anf got a case number - # XXXX. They have purchases showing up as something I have made. Same as my case with XXXX looked like someone was actually making sporadic payments for a little bit. 

I have reported this as Fradulent and not mine. They have moved this ti a collection agency called XXXX XXXX XXXX with no case number given. 

I discovered this the same as I discovered my other cases through the dropped socre of my credit report. Please advise and help.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX has been reporting innacurate information to equifax XXXX  and XXXX The account being reported is innacurate and unfair it is damaging my consumer rights which are federally protected and has hindered me from the pursuit of happiness and has hindered me from being approved for credit. The attached ftc report show in detail some of the damages that have been done. I require that this account be removed from all three Consumer reporting agencies and i be compensated XXXX for consumer violations
Product: Credit reporting or other personal consumer reports

XX/XX/year> Hello, I am writing this letter to contest the so-called resolution to my Equifax dispute report confirmation number XXXX. I will prove that Equifax is grossly incompetent and worthy of censure and stringent financial penalties to be imposed by the CFPB and other federal regulators. Per the following documentation from todays XXXX Equifax report ( see attachments ), Equifax claims that I have XXXX XXXX XXXX federal student loan balances with a combined outstanding balance of {$33000.00}. However, I have already provided documentation ( including the XXXX XXXX Account XXXX XXXX used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$18000.00} across XXXX individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated since it is grossly inflating my indebtedness and has thus been negatively impacting my consumer credit score. 

I also need to note for the record that there was a previous Equifax CFPB complaint ID XXXX for this same issue, tied to EdFinancial CFPB complaint ID XXXX. The original XXXX case remains active and is being worked, as is a related complaint with XXXX. XXXX good faith therefore stands in stark contrast to competitor Equifax who has twice now closed this complaint ( once with XXXX, and a second time with my confirmation number XXXX which I opened by phone following the initial case closure without a satisfactory resolution ). I will file this third complaint again and again, as many times as necessary until Equifax is held accountable for their misdeeds and takes ownership of correcting this erroneous data. Otherwise, they should be removed from the consumer credit reporting business altogether, with prejudice. I am also asking for monetary compensation from Equifax for their ongoing gross incompetence and lack of commitment to service excellence.
Product: Debt collection

Debt collection agency, Receivables Performance Management , LLC ( RPM ) has been hitting my credit with a {$67.00} debt that XXXX XXXX XXXX has turned over. 

I have received no prior notice of this debt. The only reason I know about it is because my XXXX account started notifying me on XX/XX/XXXX. I have submitted a complaint with RPM on XX/XX/XXXX and yet to receive any confirmation the complaint was received, let alone the status. 

I have submitted prior bills from XXXX XXXX XXXX showing I owed nothing when I cancelled the XXXX service XXXX of XXXX. In fact, I have a statement from XXXX XXXX XXXX refunding me {$46.00} on XX/XX/XXXX with a payment date of XX/XX/XXXX. 

I have never received any bill from XXXX XXXX XXXX for {$67.00}, so I had no opportunity to dispute the charge before it was turned over to collections. As I've received nothing in writing from XXXX XXXX   XXXX or the debt collector on this {$67.00} charge, this is essentially an attempt to seal from me and use the credit bureau to extort it from me. There is no reference to a {$67.00} dollars owed in any of the statements received from XXXX XXXX  XXXX around the time of my cancellation.
Product: Credit reporting or other personal consumer reports

DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY I DISPUTED THE INQUIRIES ONLY NOT ANY PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. The credit bureaus have failed to remove the disputed information leaving me no other choice but to le this adavit. The credit consumer agencies HAVE violated my rights PREVIOUSLY BEFORE WITHOUT PROPER OPTIONS I have EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. THE ONLINE DISPUTE CENTER portals do not WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Acs XXXX XXXX XXXX account and XXXX, 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 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I agreed to an installment-based payday loan on a term of 18-months at 635 % APR ( which already seems predatory ), but I needed the money just until I got paid the following week, ( today ), so I agreed to the terms while making it very clear to the loan processing agent on the phone that I fully intended to pay off the loan on the day that the first payment was due ( today, XX/XX/year> ). This morning at XXXX eastern time, my paycheck cleared my bank account, and so I attempted to place a payment order on MaxLends website. The Make a Payment button was completely grayed out with no explanation and no way for me to access their payment portal. I attempted to call Customer Service, but received an after-hours message, so I turned to their online chat-help. The agent, named XXXX, initially refused to accept any payment I was trying to offer ( including full and complete payment of the loan ), citing a policy that payments had to be ordered by XXXX eastern time the prior day, without offering to place one for the next day. She redirected me to try calling Customer Service during business hours, instead of offering to place a payment order for the following day herself. When I pushed her on this, she said I agreed to this process in the loan agreement, even though the loan agreement accepts pre-payments with no penalty. Eventually she relented to placing a payment order for the following day, but the payment amount that she quoted was so completely inaccurate that I can only assume she was actively trying to mislead me, as it was the biweekly payment amount for the next loan installment she was trying to get me to agree to processing, rather than the total loan amount. Between actively refusing to accept payment to clear the loan, lying about the amount needing to be paid to prolong interest accrual on a predatory loan at 635 % APR, and the fact that they have apparently from what Ive read lost their lending license for prior abuse of consumers, I am formally issuing this complaint against MaxLend
Product: Checking or savings account

I opened a certificate of deposit account with XXXX on XXXX XXXX, XXXX. I purchased CDs in the amount of {$500000.00}. Funds were deposited into my account on XXXX XXXX, XXXX. I received confirmation of payment via email and paper mail. Upon my funds being deposited to my account I was disabled from accessing my account. I called XXXX and talked to one of their customer representatives and inquired about my account being XXXX, but to no avail. They then put me on the phone with someone from security who informed me that the bank that the funds were deposited from was an invalid account. I informed them that if that were true than how was a transaction of payment made. So by phone I asked to see a detailed transaction of the payment which he denied and that was the end of the conversation. I followed up the next day and got the same reaction. So after that I sent email after email just wanting to know why I could n't get a detailed transaction of payment. I got no answer. So I mailed them an audit of payment form which included the Electronic Transfer Act stating they had 10 business days to respond and show me a detailed transaction of payment. I got no answer. So that led me here. I exhausted all of my resources before contacting you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, XXXX XXXX, and Equifax by certified mail in XX/XX/XXXX and numerous phone calls have been made to XXXX from XX/XX/XXXX to rectify that I had no notice that after my loans have come out of deferral payment was due. This was due to the fact I had moved from XXXX to XXXX after my graduation from XXXX XXXX program from XXXX to take a XXXX position in the XXXX XXXX area. 

I started work in XX/XX/XXXX as a XXXX  in the XXXX XXXX  of XXXX  and filled out a mailing address change. I never received any notification from XXXX about my federal loans being late. When I contacted them in XX/XX/XXXX after I had run my credit report, they were accommodating and refinanced all my federal student loans. But they never removed the lates from my credit report. I had several calls with them to remove the lates as they had changed the designations as administrative deferrals for the time period we discussed in XX/XX/XXXX. Being a XXXX is busy and I do not have time to be on the phone as XXXX bounces me around to rectify this situation. 

Needless to say I have sent certified letters to XXXX and all three credit bureaus ( see atttachment ) and have no resolution of the matter to remove all the lates. This is a real impact to me because I have private loans with XXXX that I want to refinance and because of the lates on my 12 accounts with XXXX, this has lowered my credit score which has been going up and now a XXXX. But the banks have denied me due to the lates on my student loans. Which does not make any sense as XXXX refinanced all my federal loans with no problem. So if I was such a credit risk why would they even do that. In addition, since XX/XX/XXXX I have been on time with all my loan payments. 

In accordance with the Law, Fair Credit Report Act Section 623 ( a ) ( 2 ), XXXX the student loan provider are to update my credit history and has not to date. I have hired a service XXXX XXXX that has written the three credit bureaus and XXXX heavy legal letters dated XX/XX/XXXX and to date all three credit bureaus have not removed the lates and XXXX has not responded. 

I am reaching out to the CFPB to help me resolve this matter which is impacting my finances and to be able to refinance my private XXXX loans and remove my widowed mom from my private loans as the co-signor. I make a good income with XXXX and am employed as a XXXX   of XXXX. Other than the lates incorrectly reported by XXXX, my credit history is excellent. 

Please help me to recitify this situation and get my credit back in good standing and remove the lates. This will allow me flexibility to refinance my private XXXX student loans and get a low interest rate to help me with my monthly payments. 

Thank you. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year>, I received a notification that my credit was checked by XXXXXXXX XXXX and that it was a hard inquiry. I didn't authorize anymore to apply for credit in my name. i called XXXXXXXX XXXX they stated they would not allow anything to be approved in my name without authorizing it with me first. i called Trans union and did a dispute but hey claimed it was verified and did I speak with the bank. i told trans union that by law this is my consumer profile, and they can not have unauthorized/unverified information on my credit report that it needs to be DELETED!!
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : Capital one DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation on disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer 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 disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Bank account or service

Wells Fargo processed XXXX of my credit card payments to XXXX XXXX the same day I made them ( XXXX/XXXX/16 ) causing me to go negative and was charged XXXX XXXX overdraft fees. I have been doing the same type of transactions for years and Wells Fargo has always process these payments at least one ( 1 ) day after and sometime 3 days after I make them. I always pay as a check through the XXXX XXXX website. Their practice was always to process these payments one to three days after. I have always have enough balance when payments are process by Wells Fargo. But on XXXX/XXXX/16 I had only about {$40.00} and they processed the payments intentionally the same day to charge me the XXXX XXXX overdraft fees. My direct deposit was deposited on XXXX/XXXX/16. I called them on XXXX/XXXX/16 to explained and ask for a full refund and they are not willing to cooperate and only offering a 50 % refund. I was charged a total of {$140.00}. Each OD fee was {$35.00}.
Product: Mortgage

Pacific Union Financial  sent a Collection of Debt Email to myself and  XXXX  others to my family email.
Product: Debt collection

I called Penn Credit on XX/XX/XXXX to schedule a payment of the full balance owed to XXXX XXXX gas of {$270.00}. The payment was scheduled for XX/XX/XXXX. There was a second payment to XXXX XXXX via Penn Credit that was scheduled for XX/XX/XXXX and that payment was taken out of my account by Penn Credit. I was under the assumption that all of the balances were paid in full since I made the payment arrangement and there was no other communication from Penn Credit. 
Today XX/XX/XXXX, 4 months later, I received a letter in the mail from Penn Credit to collect a debt of {$270.00} that was outstanding for XXXX XXXX XXXXXXXX. I thought that there was a mistake since this was paid in full in XXXX last year. I called Penn Credit and was told by them that the balance was still owed. They tried to tell me that they debited my bank card on XXXX but the payment was denied. This was a lie since the money was in my account and it had a positive balance of {$930.00} on XX/XX/XXXX and sufficient funds the following days ( snapshot included ) and the second payment that they took out on XX/XX/XXXX was deducted from my account ( snapshot also included ). The problem wasn't with my bank or balance. I asked why they did not contact me immediately and why it has taken 4 months to be notified via mail that my payment didn't process. I asked if they can send me proof via mail of their billing paperwork that shows that their attempted payment was denied and they refused to send me that. It is my belief that Penn Credit 's billing department made an error or did not take the payment on XX/XX/XXXX as scheduled and left this debt sitting with them until now. This could have had serious consequences for me if it was reported to collections because I am in the process of buying a home. It is unacceptable that they waited 4 months to send me a letter stating that they still had this balance when it was scheduled to be paid in full on XX/XX/XXXX. XXXX. They told me that they tried to call me but they did not leave a message. I received no communication via mail or email from them or XXXXXXXX XXXX XXXX until now. Penn Credit 's methods of processing and collecting debt are faulty and potentially damaging to consumer 's credit records, in turn their ability to rent or buy a home and take care of other necessary life responsibilities and needs that rely on credit reporting and consumer credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Contract Related to this account has been canceled, NO CONTRACT, PLeas provide any documentation containing my signature that shows i am under contract for the debt, Being that the account was transfered to another lender please provide any agreement between the original creditor and new lender or collection company
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 USC 1681 Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX, has violated my rights 15 USC 1881 section 602 A. States I have the right to privacy.

15 USC 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 16818-2 ( AX1 ) A person shall not fumish 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.