23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XXXX of 2019. For about a year the servicing on the loan was good. I find that I am a victim of preditory lending practices and fraud. I am paying high interest dispite having a relatively low interest rate of 3.75. My account is not being serviced properly ; in that, escrow funds are unaccounted for. Payments are being noted that werent paid, duplicate or false, i.e. home owners insurance, taxes paid before tax year due. My loan was underwritten so badly and fradulently or theft has occurred that it has caused a negative escrow. As you will see in my excel spread sheets more than enough escrow was available if the account were managed properly. I have no faith in them to manage/service my loan account honestly or correctly. I supposedly have a fixed rate yet my principle increases every month.I have received numerous intimidating and threatening calls that state my credit will be effected. I have made payments every month and yet they have increased my monthly payments to almost {$520.00} - which was never in my mind as within my budget. When a person buys a home they purchase it with a budget in mind- to make up for their deficient underwriting of the loan. My initial escrow deposit is all but missing. There is no truth in lending here. To date I am still making payments and do not know where they are being applied. Whats most insulting they attempted to refinance the loan where Id owe more but the underwriting was in the same manner, of course I declined.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft. please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days. I have provided XXXX with an Affadavit of my Identity theft issues, and FTC report and victim of breech.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with a company called XXXX. Payments were scheduled on autopay and no payments were ever late. Around XX/XX/2022 a company called Westlake Portfolio Management acquired XXXX and took over all accounts including mine. Neither XXXX or Westlake notified me that this was happening, and Westlake additionally stopped my autopay without notice. I was completely unaware any of this had happened, and because the autopay was only a small amount per month I didn't notice that it had stopped drawing from my bank account. It wasn't until I reviewed my credit report that I discovered late payments to an unrecognized company ( Westlake ). I looked them up and they seemed like scammy company with a lot of complaints against them. I called them to understand the issue they explained the acquisition. I asked them for proof of the original contract I had signed with XXXX  stating the terms and APR of the account, and they said they did not have this information and could not provide it. I also did not have access to the contract because the XXXX website was shut down so I could not log into my account. The initial person I talked to at Westlake also admitted that many customers were caught off guard just like me, many of the reported balances were inaccurate, and unaware of stopping auto pay causing late payments. I called multiple times asking to speak to a manager, and was given an excuse every time. After weeks of severe stress, I considered paying balance in full. I asked Westlake, in exchange for me paying the balance in full ( including interest and late fees ) as my very first payment to them as the new owner of my account, to please remove the late payments reported on my credit report. They refused, and said I would first have to make the payment, and then file a dispute with the credit reporting agencies. I asked for a manager to call me back after making the payment so that I could talk to them further about the credit report and I was told they would. They never called. The dispute was completed and the late payments were NOT removed from my credit history. My account was immediately brought to current and paid on time ever since I discovered the derogatory payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have another complaint against this XXXX company XXXX XXXX with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district XXXX told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. XXXX XXXX XXXXXXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit card or prepaid card

On XX/XX/XXXX  synchrony bank closed my account. I did have some adverse things going on due to covid 19. but when I logged into my account I discovered that my account was closed.They claimed my score was at XXXX on XX/XX/20 when in fact it was XXXX. I decided to pay off my card on XX/XX/XXXX so they would not make another penny of  interest on me.I also was paying my bill on time even with the covid 19 pandemic to no avail. Not right for synchrony bank to do this.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report and credit file I got a mix credit report and file that lead my credit report and me to being a victim to indentity thief r address that dont belong to me on my credit report and I want them remove and a clean up on my credit report I want yall to separate whats mines and the persons that information is mix up in my credit report and file and I got a problem work Experian to they took my address off my credit report and I need them to update it back on to my Experian credit report and file and on my XXXX report I need my number update to the current phone number XXXX and I need XXXX to send me my updated XXXX of XX/XX/XXXX credit report and credit score Thxs and I need Experian to send me my updated credit report and score from XX/XX/2023.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$1900.00} XXXX XXXX XXXX BALANCED {$7600.00} XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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

I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all 3 Agencies ( XXXX, XXXX, Experian ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.
Product: Checking or savings account

From XXXX to current BBVA has absorbed my Simple accounts and I have no access to them. Customer Service is non-existent in chat and phone forms. Not even so much as an email.
Product: Mortgage

Our VA loan was bought out by LoanCare. On XXXX XX/XX/2023, we had a hail storm that damaged our roof. XXXX came out and checked our roof and verified that it needed to be replaced. XXXX cut a check to pay for our roof, which had to be endorsed by the LoanCare. The check was sent to LoanCare and deposited in there account. We submitted all the required paperwork : invoice, insurance adjustor paperwork, W-9, and release of lien. Every time we call them to check and ask when our check will be mailed to us. They ask for more information. They have had our check since XXXX XX/XX/2023 and they still have not sent us our insurance money to fix our roof. All required documentation has been submitted. 

Respectfully, XXXX XXXX
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 : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a 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 or other personal consumer reports

On XX/XX/year>. I received a call from chase bank stating fraud. The fraud department transferred me to a phone number XXXX, and a lady named XXXX XXXX said she was from consumer financial protection bureau. Stated in addition to this fraud attempt I have XXXX additional credit cards a student loan and a mortgage under my name. I told her no. 
She said she was running a credit report. I told her good luck because I have all bureaus frozen since the data breach. She put me on hold and transferred me to some loan protection officer, who again was trying to fish info. 
I told him I dont do over the phone and hung up. 
I called consumer financial protection services and they denied this would be their tactic and most like a scam. So I am filing a report.
Product: Credit reporting

XXXX XXXX XXXX refuses to remove derogatory information. The last " payment '' date they report is XXXX but they are telling Experian the last " delinquency date '' is XXXX. It is my understanding that the " date of last payment '' starts the " seven year '' clock. I was caught up in the Deceptive Trade Practices Lawsuit the State of Texas won against them for their Warranty practices. They " sold '' the debt to XXXX who I 'm quite sure your familiar with. XXXX deleted their information but XXXX remains. I have contacted XXXX and they claim they " ca n't talk to me '' because of XXXX 's involvement and then hung up. I take full responsibility for not paying them and returning their property but right is right and they should be held accountable for their actions. The people at Experian agree that the delete date should be this month but their hands are tied by XXXX deceitful reporting. Unless I 'm wrong XXXX should be held to the XXXX date as the " first delinquency ''. Of note is the fact that XXXX own reporting shows no XXXX/XXXX/90 delinquency reports, it goes from " paying '' to " Charge Off ''. I firmly believe based on my dealings with XXXX they do not have a clue as to what the correct information on this account is. In prior conversations when asked about specific dates they replied " all of those files were sold to XXXX ''. All I want is to be treated fairly but XXXX will have to be dragged to get them to do right. Thanking you in advance for your time and help.
Product: Credit reporting or other personal consumer reports

Eastern account syst is an XXXX party debt collection agency who is reporting false information on my credit report I kindly request the assignment contracts to verify information on my credit report
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : C**** Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX, NA : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Debt collection

On XXXX XXXX I sent a certified letter to National Credit System inc for debt validation. the letter arrive to the company on XX/XX/2020. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately XXXX XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete. In the validation letter package I sent a Cease and Desist for the company to stop with harassing calls which National credit system inc finally comply to do but they never responded to my validation request.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX XXXX XXXX : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Dear Paypal Executives, I feel frustrated and powerless with the bad experience I've had when contacting a PayPal agent in XXXX. 
These people are dedicated to extorting customers with falsehoods and slander, damaging customer accounts. 
The Agent named XXXX from the call center in XXXX, I spoke at XXXX XXXX, placed a permanent limitation on my account in an abusive and arbitrary manner. 
Reference ID : XXXX XXXX I needed help resolving a payment I was trying to process and the system wouldn't let me. 
The agent XXXX did not pay attention to my request and arbitrarily he said that the account should be limited. 
I felt so scared and decided to withdraw my money before he limited the account. 
Before XXXX XXXX  my account was perfectly fine. 
XXXX XXXX from the call center in XXXX should not work at PayPal, they are people who do not work for the client. 

Please request the executives to take action on this character.
Product: Debt or credit management

As a consumer I have been violated and harassed numerous times from debt XXXX with threats of being sued in emails and phone calls several times a day. It has caused a lot of stress. Please have these debt collections removed, and in writing they will be receiving a letter of violations under a fair debt collections act. Items below are third party debt XXXX attempting to collect debt and harassing me with multiple email and threats of being sued, XXXX XXXX XXXX, XXXX XXXX XXXX, LVNV Funding LLC.
Product: Debt collection

This entity was able to seize my bank account funds and hold my deposit box for no right reason. I was accused by this entity that I owe them money since XXXX, they failed to inform me about any of the process to see them in court as they claims. They took over {$3000.00} from my bank account and ruined my credit report. They claim they represent a fraudulent management company XXXX whom told me to leave their property without harm as they failed to provide safe and livable place for my family to stay as the roof fall on us and left us with no walls for 2 months and we have email from the superiors that we have all rights to move out and both parties will be even with no harm to Sue them neither them claim anything against me and my family. On XXXX found this entity seized my bank account and my wages without any proper way of notification.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i requested a debt validation letter also with accurate dates. This company has failed to reach out and also failed to give me validated paperwork concerning a debt. I demand for this to be removed from my credit report, under the 15USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX and Equifax credit Bureaus after I purchased a credit report with XXXX last XXXX XXXX, 2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile. I sent a letter to the 3 credit bureaus on XXXX XXXX, 2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my previous complaint and hoping that this XXXX XXXX XXXX late will be removed.XXXX XXXX XXXX XXXX  Balance : {$94.00}