23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Lakeview Loan Servicing/XXXX is a nightmare. I just filed a complaint against them a few months ago and was told that everything was straightened out and that I did not owe a payment until XX/XX/XXXX. This was an ongoing ordeal that I finally got resolved after months of phone calls, harassing letters and misinformation given by this company. 

They messed up our escrow, messed up our payments, sent several threatening, harassing letters, all the while telling us that it was being worked on and resolved. After filing a complaint with your organization, I was told that the escrow was fixed and that payments were applied correctly. I received my XXXX statement dated XX/XX/XXXX that clearly states that there is no past due amount and that my total amount due is {$820.00}. No late fees, no late payments, nothing behind at all. 

Today I received a certified letter from XXXX  telling me that I am three payments behind, counting XXXX ( which I do need to pay - the statement tells me I have until XX/XX/XXXX before it's considered late ). 

I am currently on the phone with XXXX, who of course, doesn't know what's going on and is telling me that all the payments that were fixed previously have been rolled back and now I am being assessed for XXXX, XXXX and XXXX and now my escrow amount is being listed at the original {$6400.00} that was in dispute and I was told was completely resolved. They are assessing me {$2500.00} in mortgage payments that again, I was told was fixed and assessed, leaving me with no past due payments, with a current payment due of {$820.00}. I want this company cited, fined, and forced to stand by their word when they tell someone that the issues are resolved. 

I received no phone call, no voice messages, no emails, no notification AT ALL that there was any kind of issue with my mortgage until this letter today, XX/XX/XXXX. I am beyond livid at this point. I can't just pull thousands of dollars out of my tail every time this company messes something up. Please help us resolve this issue with this horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection for XXXX XXXX XXXX - XXXX and it is not valid nor is it mine. - I have been disputing this already and they claim it is valid. How did you verify it? XXXX XXXX IS NOT VALID VERIFICATION!! 
They are the only ones reporting this erroneous OLD debt that is also past the statute of limitations based on the dates!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX  and the only response I get is verified. I ask XXXX XXXX/Accptance Rentals for VALIDATION since I live in XXXX  & this company seems to be in XXXX. 

My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.
Product: Credit reporting or other personal consumer reports

I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Nevada Credit Reporting Act ( NCRA ) by reporting inaccurate information about my credit report. I have attached my credit report with the information highlighted, as well as a copy of the letter I received from XXXX XXXX. 

The inaccurate information that XXXX XXXX is reporting includes : The last verified date, date of last activity, date reported, date opened, creditor remarks, last payment, term length, and payment history. 
The attached letter directly from XXXX XXXX to the XXXX and myself also contains discrepancies. XXXX XXXX stated in the letter that " According to OneMain records, on XX/XX/2022, XXXX XXXX and XXXX XXXX entered into the enclosed loan agreement. '' However, the attached loan agreement is dated XX/XX/2022. 
Also, on my credit report, XXXX reports that the account was opened on XX/XX/2022, but XXXX and Equifax report that the account was opened on XX/XX/2022. How could the account be opened before I signed the contact? 
XXXX XXXX also stated in their letter that " XXXX has confirmed that the XXXX account information sent to the credit reporting agencies reflects XXXX XXXX XXXX account. '' If thats the case, that means the creditors are reporting inaccurately. 
XXXX XXXX 's inaccurate reporting of my credit information is a violation of the FCRA, which requires creditors to report accurate and timely information to the credit bureaus. 

XXXX XXXX 's inaccurate reporting is also a violation of the NCRA, which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's inaccurate reporting, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 

XXXX XXXX has denied my request to correct the inaccurate information. 

I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report ASAP.
Product: Credit reporting

My identical twin is listed on my credit report as an alias or other name. We have the same first XXXX letters of our names and the same last name as well as the same birthday. I understand the confusion howecer I am XXXX and she is XXXX. Her stuff is showing up on my report as im sure mine is on hers. This needs to stop. We are XXXX seperate people who need XXXX seperate reports. I do not know how to fix this.
Product: Mortgage

I contacted the Veterans United after the denial of a VA home loan. The VA does not set a hard and fast rule on a credit score. If you are a veteran you are entitled to a VA home loan. The scores of XXXX is what would normally be required for FHA or conventional loan. There should be no discrimination on a veteran because they do not have a credit score of a particular number. I was told by the lender it was because of my credit score that I do not qualify for a VA home loan. I have other pre-approvals by other lenders but XXXX XXXX has lied and said I need a certain score. The VA does not discriminate. I have money in the bank and my debt to income ratio is awesome. I have a few OLD blemishes on my credit but have a score of XXXX should not be grounds for denial. I feel like I am being pushed out of a VA home loan because they don't want to offer such great benefits that a 100 % XXXX veteran is entitled to.
Product: Vehicle loan or lease

I wrote a letter identifying the errors that is in my car contract that is now affecting my new contract because the information and amount financed is incorrect. According to XXXX  XXXX advertising laws, truth in lending act and regulation z. There have been multiple violations in this contract do to deceptive practice. On XX/XX/XXXX I was Over charged by XXXX to XXXX XXXX dollars dealing with the imposition of finance charge being added to the wrong box, documentation fee keep protection fees, service contracts being added which, according to XXXX  laws should have been added into the advertise priced a {$690.00} added to the advertised price that does not show why XXXX for gap insurance which is also a finance charge and should have been subtracted from the amount financed according to regulation Z. The amount finances incorrect due to these misleading in the XXXX of practice from American credit acceptance. They are also stating that they did not receive my letter, but I have a return receipt with XXXX XXXX name who signed for on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$1300.00} Original creditor : XXXX XXXX XXXX {$1300.00} Highest Balance {$1300.00} Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Original creditor : XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$190.00} Highest Balance {$190.00} Opened XX/XX/XXXX
Product: Debt collection

Pro Collect XXXX/XXXX/XXXX XXXX XXXX XXXX Apartments These apartments are falsely accusing me of XXXX when I moved nothing was owed an the apartment was clean. I have received calls from pro collect with rude services trying to make me pay a debt I do n't not owe
Product: Checking or savings account

For 3 1/2 years I have been depositing the same check amount on the same date. Every time I deposit it they put a 10 day hold on it for NO Reason. The account it is coming from is my business partner, the account has 10 's of thousands of dollars, it has never bounced. They can not give me a reason. I have spent hours and hours on the phone and in their office to try to get fixed. They say they will get it fixed, but never do. On XX/XX/XXXX the deposit was made and on the XX/XX/XXXXthey send the funds were available, We paid some bills on XX/XX/XXXX including IRS taxes due. On XX/XX/XXXX the XXXX they sent us an email saying they were going to put a hold on the funds and our account was {$1800.00} in the negative, even though the funds were there on the XXXX. As of today the XXXX the funds are still not available. This has caused us numerous problems and headaches.
Product: Credit card

During the month of XXXX I was informed by chase/JP Morgan I qualified XXXX a credit card with their company and was already pre approved. 

I went into the oak creek location in Wisconsin the first week in XXXX and opened the card at the request of my financial advisor telling me such. 

I used the credit card for less than XXXX transaction d and paid it off in full. I went use the credit card after that and was unable to. Called chase bank and was not able to use it with no explanation. 

Third week in XXXX I discovered on my own the credit card was closed with NO explanation. 


I contacted my financial advisor and she said to come into the branch. That morning I arrived to the branch where 2 separate financial advisors attempted to help and were telling me they were unable to tell me why. I heard the phone call from the chase employee telling the other chase employee they could not tell me.

I called again and received a letter saying they closed my card due to previous fraud charge on my account with chase. 


I used to own a business with a business partner. There was some issue with our card being used without our issue. I personally wrote the check to chase bank and paid that balance off in FULL with no issues. That was our company credit card.

I resolved the matter with chase bank 2 years ago. I placed SEVERAL phone calls to chase bank in an attempt to find out information about the account and was told by several chase bank employees the account can be reopened. 


I was told the account now can not be reopened and I have been mislead by chase bank. I been a customer for almost 10 years with them and the loyalty is not showing. 


Instead my credit has tanked, they reported the account closed to the credit bureau before they reported it to me. 


In addition, I received the letter and was told to call a number and speak with a woman named XXXX. I called the number of XXXX extension XXXX. 

I have called XXXX over a dozen times and left about XXXX voicemails with no response. 


At this point chase bank needs to open my credit card account back and need to fix their reporting to the credit bureau before I take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

A company would spoof phone numbers and call me at all times never leaving a message. I answered one call and they wanted me to verify who I was but I was not comfortable. They then informed it was a debt collector trying to collect a loan that I am not sure of. When I said I would need more info and will not pay. The agent got angry and said they will now destroy my credit and I can't keep putting this off and to be responsible for my debt and kept talking over me. I advised I would not be talked to that way and will not be paying at this time. She said they will " note '' my file as non responsive and increase collection action. I never received any written notice about this debt showing me my legal options or proof it's valid
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

I was told I wasn't eligible for any type of loan forgiveness in any manner after having XXXX   in XXXX XXXX and a XXXX XXXX school district for over 25 years. I was offered loan consolidation, which did nothing. I am currently retired and on a fixed income with an upcoming loan payment of over {$1400.00} in XX/XX/2019. This denial occurred approximately 5-6 years ago, after the superintendent of human resources from my school district completed verification of employment, etc., I was denied and told the only program I was eligible for was loan consolidation, which I have done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the account XXXX XXXX XXXX, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile. 
On XXXX the Date Last Active is XX/XX/2022 and on Equifax the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with the FTC
Product: Debt collection

Eastern Account system is saying I owe them for an unpaid cable bill. I never had a cable bill, so this has to be a case of identity theft
Product: Credit reporting or other personal consumer reports

The list of accounts XXXX XXXX XXXX account number XXXX has violated my federally. protected consumer and confidentiality under 15 USC 1681.VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

I had a credit card with Chase Bank. Chase reported it, correctly, as a Charge Off in XXXX XXXX. On XXXX XXXX, XXXX Chase cancelled the debt, wrote it off as a loss, and sent to me a XXXX Cancellation of Debt form. I had to count the $ XXXX as income and pay taxes to the Federal and State of Ohio 's government on it. However, Chase kept reporting this as a charge off each month despite the debt being cancelled. I submitted to each agency the correct information and they cleared it off my credit report. Chase then reported, again, on XXXX/XXXX/XXXX that I still owed the debt to them on my credit report, despite them writing the debt off as a loss, placing it back on my credit report. There should be no reporting 's from Chase after XXXX/XXXX/XXXX. 
I have spoken with people from Chase repeatedly and the response I get is that I still owe them the money ( despite them reporting it as a loss ) and then he tried to collect the debt from me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate, incomplete, and unverifiable information on my credit report obtained from your agency. This erroneous data is damaging my creditworthiness and financial stability. The reporting of this information appears to violate federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ). The issues I have identified are as follows : XXXX. Inaccuracy : The reported information is incorrect and does not accurately reflect my financial status. 
XXXX. Incompleteness : The report is incomplete and fails to present a full and accurate picture of my credit history. 
XXXX. Unverifiability : I believe certain information in my report can not be verified or substantiated by the credit reporting agency. 

I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to correct the inaccuracies in my credit report. Additionally, I ask that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a detailed written explanation of the findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling multiple times to all three bureaus requesting a copy of credit report as I have a XXXX # therefore, I can not get it online. All three bureau continue saying it will take 7 business days for credit report to arrive in the mail. It's been a few months and nothing has come in from XXXX and Equifax. I did get credit report from XXXX. I submitted copy of XXXX # along with consular ID card and energy bill to verify identity as I was asked over the phone. I have not received anything even after mailing documents. XXXX stated over the phone that my credit report comes up on their system under a social security # and the number that XXXX has is not my XXXX # ( I do not have a social ) and that I need to send in documents proving that information XXXX is reporting is inaccurate. COPY of XXXX # and XXXX XXXX along with energy bill to verify identity. I have the right to a copy of my credit report and Im not being heard. 

Although I have received copy of credit report in XX/XX/ I would like to get an updated report from XXXX too.
Product: Debt collection

I got a alert that my credit score went down 14 points because ENHANCED RECOVERY COMPANY put a report on my account that does not belong to me, so i call E.R.C to get information on this dept so i can get it investigate, the rep was not able to tell me the address on the bill and when the account was open, all she was able to tell me is the original creditor ( XXXX XXXX XXXX ) i never had any account with this company and i have not live in florida for over 20 years. 
The account was reported to the credit bureau on XX/XX/2020 and the amount is {$260.00}. 
Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL  XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes my middle initial is incorrect with XXXX, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with XXXX. Thank you! 
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$530.00} Late Payment : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I got a loan for a car in 2005 from GM Financial. They are reporting my late payments incorrectly. They keep changing the month and year of the XXXX late payment everytime it get 's close to being XXXX years to remove it. They are also reporting on my husbands credit report for the same loan but putting different information on his than mine.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been reported on my credit file. I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$450.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$630.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$580.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$580.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$630.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$4600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$130.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1200.00} Fraudulent Inquiry to Be Blocked and Deleted : XXXX. XXXX - Date : XX/XX/XXXX