23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back around XXXX I refinance my mortgage. Besides looking for a lower rate, i wanted to get away from my current lender Lakeview. I feel they are shady. My first payment due with XXXX XXXX  was XXXX. I made my first payment of {$3000.00} on or around XX/XX/XXXX. This payment would be for XXXX A week or two later i was notified that my loan with XXXX XXXX was taken over by Lakeview , I received a statement from Lakeview , made a {$3000.00} payment in XXXX around the last week of XXXX, which that would be for XXXX. I noticed the statement did not show my first payment made. I reached out to XXXX XXXX, they informed me once the loan transfer was completed Lakeview would up date their records. On XX/XX/XXXX around XXXX XXXX, i believe her name was XXXX , from Lake view said she did not see the first payment made in XXXX with XXXX XXXX and was notifying another department and i was to call back around the XXXX of XXXX. I asked her ; if they would notify me directly and she said she was not sure, i should reach back out. Really, so unprofessional. XX/XX/XXXX, XXXX, I believe the persons name was XXXX was not helpful at all. She said my next payment was due for XXXX, did not see a documentation of my pervious call etc.. Last week of XXXX, i made another payment of {$3000.00} and to date my statements are incorrect. 1 ) i should be a month ahead, 2 ) should reflect 4 payment received 3 ) i told them twice, i am unable to log in to the site to see my account. I was told my tech dept i needed to wait for an email approval. Guess what, its be two months no email. 
Last week i received a statement my acct is short- {$18.00}, there fore my payments are going up. not even the option to pay the difference to keep my present payment. If someone pays the difference, their payments should not increase. This is a constant issue i have with LakeView in the past. 

I want to know where my first payment is. This loan company is so shady someone really needs to look in to this deeply. From their Customer Service to their Tech Dept. no one knows what they are doing. 

I do not have a scanner at the moment but if you require copies of my statements, please let me know and i will provide
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to Transunion to remove the account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint XXXX & I am including it again. 

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

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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

Harassment and Inaccurate Credit Reporting by Credence Resource Management To Whom It XXXX Concern, I am filing a formal complaint against XXXX XXXX XXXX regarding harassment and inaccurate reporting of an account I have no knowledge of. The details of the account are as follows : - **Company Name : ** XXXX XXXX XXXX - **Account Number : ** XXXX - **Account Type : ** Collection - **Balance : ** {$750.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection account reported as past due {$750.00} as of XX/XX/XXXX. 

This account, linked to XXXX, has been reported to my credit file despite my having no awareness of its existence, no knowledge of the alleged equipment, and no associated transactions. My efforts to resolve this matter have been met with continued harassment and negligence by the company. 

Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2**, it is unlawful for any company to furnish inaccurate or incomplete information to credit reporting agencies. Furthermore, the harassing communications from XXXX XXXX XXXX XXXX constitute a violation of the **Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692d**, which prohibits abusive, deceptive, and unfair practices by debt XXXX. 

I respectfully request the following : 1. Immediate cessation of all harassing communications regarding this account. 
2. An investigation into the legitimacy of this account, including validation of the debt.

3. Removal of this account from all credit reporting agencies if the claim is invalid. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The account Grain Technology locked my account and would not return emails or calls. I tried for months, which has been documented. I had 22 months of on time payments and thats when my account was locked. They have closed my account and reporting several months of late payments. Those should be removed due to the inability to make payments because they locked my account and I could not get in touch with them. My record with them shows the payments would have been paid on time. Im asking for removal and report updated account to all credit bureaus.
Product: Mortgage

I applied for a {$160000.00} loan to refinance my home and payoff some bills. Loandepot XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, was the lender. Loan # XXXX, I closed on XX/XX/2019. I sent a e-mail on XX/XX/2019 to the lender stating that I wish to cancel my loan application, I also sent the Notice o Right to Cancel, on XX/XX/2019 by US Postal mail, and had tracking number to tell me when it is received. The letter was delivered before the mid night deadline. But the company claim that it did not receive the e-mail or the letter.
Product: Student loan

I am very sick and have had a difficult time making my payments. Wen I did try to enroll in an income based repayment plan, they gave me wrong information and forced me to catch up on my payments in order to get into a repayment program. The woman I talked to said Navient will not allow entrance into the program when the loans are in default. So i scraped up the money literally while she was on the phone getting family assistance, around {$650.00}, and caught up my payments. She then did a review of my finances and told me my monthly payments were around {$350.00}. I explained that we could never maintain that amount because I am not working and my treatment is expensive. She said there was nothing she could do. At my persistence she spoke with her supervisor who agreed with the representative. 
She stated that they could do a review of my cosigners to see if that could lower my payments. I wanted to do this. She said I had a month to have them call in and to not let my loan default, otherwise I would still be denied for income based repayment. After two weeks, my cosigners had called in- so I called Navient back to discuss my options. The man I spoke with said that because my loan WAS N'T in default, I could not be placed in an income based program. I almost lost my mind. I told him what the representative before him had said. He said she gave false information and that I had to call back once the loan defaulted. So some of the {$650.00} I scraped together could have been used for my medical treatment, but instead was given to Navient. 
I am also one of the people they insisted on putting into forbearance instead of a payment plan- now I am out of forbearance when I need it most. 
They have also given me false information about when programs I am in have ended. So I thought I was in a program for a year, but it ran out without my knowledge after a few months- thus causing the first situation I described. 
I have had nothing but problems with Navient for 9 years. I have tons of stories, been given wrong information a dozen times, paid money to even put my loans into forbearance because that was cheaper than the payment, and they absolutely set up people to fail. 
I admit, I should have educated myself better before taking out private loans, but at the time, they were eligible for fixed interest consolidation, so I was n't very worried. 
Now I am sick, on long term XXXX from my job and filing for Social Security XXXX, and I have NO IDEA, what to do with these loan payments. We absolutely can not afford them and neither can my cosigners. One of which is my mother and she is helping me pay for my treatment! 
I have no idea what to do anymore.
Product: Debt collection

The original XXXX creditor ) says that they do n't have me on any files of owning them a debt.. The collection company wo n't remove it from my credit report and they are harassing me about a debt I dont owe ...
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX    XXXX XXXX  reporting inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on all 3 Bureaus inaccurate XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus
Product: Debt collection

Received email stating I owed money to XXXX XXXX for services never rendered. Tried to clear it up but was never sent statement of services owed so knew this was a scam. They then sent this to Credit International Corp in XXXX XXXX. They contacted me about payment and I also ask for statement of services. Again was never sent this. They reported to XXXX and caused my credit score to go down 100+ points. I reported them to the Arkansas Attorney General and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that Credit International was not a registered company in Arkansas and they contacted them and were sent to a fake website therefore that raised red flags to them that this is a SCAM.
Product: Mortgage

For XX/XX/XXXX my lender said I had an escrow shortage of XXXX for this year up to XXXX XXXX, I paid the shortage amount. Now the lender says I have a shortage XX/XX/XXXX of XXXX which is from XXXX XXXX till XXXX XXXX. There are no increases in homeowners or Taxes however they are lowering my escrow amount because of my PMI reducing. Now if I pay the shortage it will lower my monthly payment but we will have more shortage down the road. Why is my loan being paid off but my escrow is a higher payment.
Product: Credit reporting or other personal consumer reports

Hello The FTC has alerted me on this day that it has been XXXX days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the Equifax data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely. 


This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 


I am submitting this document for the expungement of the information disclosed
Product: Credit card or prepaid card

I used my Capital One credit card to purchase XXXX tickets on XX/XX/2020 for {$620.00} with a 100 % cash back guarantee understanding upon purchase if event cancelled for any reason through XXXX Upon purchase my tickets were transferred digitally to XXXX where I have an account. Later the event was cancelled. XXXX showed my tickets as voided. I contacted XXXX and they said for me to contact XXXX as they had no affiliation. I contacted XXXX but their telephone line was inoperable and so was their email which only returned a non-operating domain response. I reported dispute to Capital One. They said they contacted XXXX via the banking system who claimed I had received a " coupon refund. '' The coupon does not show up on XXXX and there is no account or the possibility to have an account at XXXX. Again it is impossible to communicate with XXXX. Capital One asked me to submit my supporting documentation. My documentation provesXXXX is running a fraudulent organization. I submitted over 20 pages of documentation including XXXX and XXXX  reports of extensive complaints similar if not identical to mine against XXXX. Despite all my documentation Capital One is refusing to reimburse me and by ALL evidence is aiding and abetting XXXX in their continuing fraud on the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Vehicle loan or lease

I have been a client with American Honda finance for many years, I extended my lease to which I had auto pay set up for payments. I was never informed that they would be stopping to pull out the monthly payments. Because of this I incurred twice late payments since they stopped pulling out the payments twice once in XX/XX/2019 and XX/XX/2019. This has really negatively impacted me.
Product: Debt collection

I was contacted today by Trinity Hope Associates around XXXX by a representative named XXXX XXXX She told me that I have a bill from XXXX XXXX XXXX XXXX XXXX from XX/XX/year>. She told me that I needed to have my attorney contact her to discuss options. I told her I was completely unaware of what was going on or that I had a bill with XXXX XXXX XXXX XXXX. I asked her what exactly was going on and she told me that my Medicaid covered my overnight stay at the hospital but did not cover my XXXX XXXX visit. I told her that I had to make some phone calls to understand more of what was going on. When I called her back she told me that if I do not make a payment by XXXX then the sheriffs department would be getting involved. This is very concerning considering the fact that this is my first notification about this delinquent bill. I should not have a delinquent bill in the first place due to the fact that I have Medicaid. After I made some calls I spoke with XXXX again she was equally as rude during the second interaction and was unwilling to handle the situation in anything other than a threatening manner. As a consumer this type of behavior was unacceptable and an infringement based on the Fair Debt Collection Practices Act. XXXX used abusive and deceptive practices in order to attempt to pressure me into paying a bill that I knew nothing about. This type of behavior is harassment.
Product: Credit reporting or other personal consumer reports

1. **Credit Reporting Time Frame ( FCRA Compliance ) : ** - The account information indicates it will remain on record until XXXX XXXX. Given that the account was opened in XXXX XXXX with a 60-month term, it should be expected to appear on credit reports for seven years following the opening date or the last account activity, in accordance with the Fair Credit Reporting Act ( FCRA ). The anticipated reporting duration until XXXX seems to extend beyond the standard seven-year reporting period and may require further investigation to ensure compliance with FCRA guidelines .
Product: Debt collection

Genesis credit attempted to collect a debt from me and joint party XXXX XXXX from an old apartment complex. First XXXX was harrased and verbally abused at work by two employees from Genesis. They called him back to back while he was at work yelling into the phone when are you going to pay and then hanging up before he could speak. I sent a written request via email to have no further contact at that specific number and asked that the verbally abusive employee XXXX not contact us at all. We did not accept or make any settlement agreement with XXXX. He sent a settlement offer that we did not accept. I called Genesis and requested a supervisor which I received named XXXX XXXX. He said their legal department said they couldn't use the form I created but he was willing to accept my settlement offer as paid in full and request deletion from my credit report. I asked for proof in writing that if I paid XXXX it would be accepted as paid in full and deleted from my credit report. He said okay and emailed me a letter with no expiration on it saying he would accept my payment and req deletion. I paid XXXX on their website 2 days later. A week later XXXX the verbally abusive employee that harrased XXXX at work emails us an attempt to collect the remaining balance and did not request deletion as stated in the email supervisor XXXX XXXX sent. I filed two complaints. One with XXXX and one with XXXX. XXXX looked at my evidence and deleted this debt from my report and XXXX stated today that Genesis says the remaining balance is valid and they are not removing it. Genesis violated FDCPA each time they called XXXX at work screaming and then hung up and they are now trying to collect on a debt that they accepted XXXX as payment in full on and agreed to delete. They are reneging on the agreement made.
Product: Prepaid card

I had 3 unauthorized transfers from my American Express Serve Card to 3 different people, that are unknown to me & the transfers were NOT authorized. # 1  on  XXXX  for {$260.00}  # 2   XXXX  for {$780.00} & # 3 on  XXXX  for {$1000.00}. Each time these transfers occurred, I notified  American Express Serve, where they changed my password, PIN & secret question. Money was still transferred from my account following the security changes. I kept being told that I was 100 % Fraud Protected with my Card but the bank had up 10 days to resolve the dispute. I called frequently requesting updates gradually becoming more frustrated now being told they have 45 days to resolve the dispute as I was " A victim of Identity Theft '' .The card credited me back the {$780.00} only & REFUSES to speak to me about the other 2 un authorized transactions after daily calls requesting updates.   I called on  XXXX  & asked to speak with an individual in the Fraud  Dept  & was informed they DO NOT ACCEPT CALLS. I became upset and requested they send me an e-mail update. Within an hour,   American Express Serve sent me an e-mail stating they closed out the account stating " I violated the contract '' & that " I authorized the transfers ''. American Express Serve also REFUSED to permit to speak with a representative regarding this matter. I have had health issues over this, my utilities shut off, incurred late fees & now have to move next week without the deposit money.
I filed Police reports for all 3 transactions & was not encouraged by them regarding retrieving MY money. I am now out $ {$1200.00} and very frustrated!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear Portfolio Recovery Agencies and it's original creditors ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Checking or savings account

I had a lock on my debit card with Bank of America for a brief period. And spoke to them concerning an issue over what seemed to be an unauthorized account opened in my name. They suggested I receive a new debit card as a part of the solution which involved me unlocking my card. I knew the balance on the card at the time very well because it was very low. and I keep a daily watch on my account. so when I unlocked my card so an order for a new debit card could be placed, after the call ended. I noticed my account was XXXX lower than before. So I decided to take a closer look at my mobile om line banking app, and in two places where transactions are noted, it only confirms that on the day in which this deposit was supposedly made, I hadn't used my debit card at all. I am in the process of closing my account over this because this is a second occurrence of suspicious activity on my account. I didn't report this prior, because I had no proof to work with. Now I don't think there is anything you can do for me by way of compensation for such a small amount nor am I asking for any. I only feel the matter deserves your attention and of course time. i reside currently, in XXXX XXXX, MA. XXXX. Best Regards