23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After refinancing my home I was only given temporary payment coupons to make my payment. Once I received my first paper statement it showed a shortage of XXXX. My first statement was received on or about XXXX XXXX. I contacted XXXX, the mortgage company and attempted to correct the discrepancy, however, XXXX was in the process of selling my loan and was unable to assist me in any way and was instructed to call the new loan servicer ( SLS ) to correct any problems. SLS was unable to assist me until they processed the loan after XXXX XXXX. I contacted them again on XXXX/XXXX/2015 and XXXX and was informed that they do not have any information prior to their taking control of the loan and offered to request my statements from XXXX Mortgage to review. No statements were ever sent to me. I contacted SLS again approximately the middle of XXXX to attempt some resolution. After speaking with the agent she was able to see past payment activity and was able to locate the issue of XXXX Mortgagemisapplying my first payment causing payments to be late from that point forward. Now I am in a situation were neither mortgage company claims to have the ability to assit me in the matter. I made contact with the first mortgage company as soon as I received my first statement showing a discrepancy was sent and made me aware.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. 

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I am bringing this to your attention because Experian has failed to conduct proper investigations into disputed items on my credit report, and in some cases, has failed to remove or has reinserted inaccurate information despite my formal disputes.

Details of the Issue : Inaccurate Information on My Credit Report : I noticed that there are inaccurate or outdated entries on my Experian credit report that need correction. 
Dispute Process : In XX/XX/year>, I submitted formal disputes to Experian regarding these inaccuracies. I followed all required steps to notify Experian of the errors, providing supporting documentation as necessary. 
Experians Failure to Properly Investigate ( 15 USC 1681i ( 5 ) ) : Despite my efforts, Experian failed to properly investigate the disputed items, as required by 15 USC 1681i ( 5 ). According to this law, the credit reporting agency must thoroughly investigate disputes and correct any inaccuracies. However, Experian failed to conduct any meaningful investigation or resolve the discrepancies on my report.

Failure to Comply with Reporting Requirements ( 15 USC 1681e ( b ) ) : Under 15 USC 1681e ( b ), Experian is obligated to maintain reasonable procedures to ensure the accuracy of the information it reports. The continued presence of these inaccuracies on my report indicates that Experian is not following reasonable procedures to ensure data accuracy. 
Failure to Remove/Reinsert Inaccurate Information ( 15 USC 1681s-2 , 1681c ( c ) ) : Despite my disputes, Experian has either not removed or has reinserted erroneous information on my credit report. As per 15 USC 1681s-2, this is a direct violation of the law, which mandates that credit reporting agencies take steps to ensure that only accurate information is reported. Additionally, under 15 USC 1681c ( c ), outdated information should not remain on my report after the statutory period.

Impact on Me : The failure to address these issues has caused significant damage to my credit score, which directly affects my ability to access credit, secure housing, and gain employment. I have been negatively impacted by Experians inaction, and I am seeking corrective action immediately. I respectfully request that the CFPB investigate Experians actions and enforce compliance with the FCRA. I trust that the CFPB will take this matter seriously and work to ensure that Experian complies with all relevant laws. I believe that I am entitled to the protections afforded by the FCRA and request that immediate action be taken to address these violations. 

Please feel free to contact me if you require any additional information or documentation to support this complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/ : Checked my savings account on discover app and noticed {$20000.00} was withdrawn by fraudulent check out of my savings account. ( Check was dated XX/XX/ ) I immediately called discover to let them know this was fraud and filed a fraud report. 

I called discover and spoke with many people trying to find out information on what the next step was, even trying to get a case number. Finally I was told I would receive all information on the case in the mail at some point. 
This all started from the time of XXXX leading up to receiving affidavit in the mail from discover of me calling for information, but it was hard to get any kind of information. ( I am still to the day calling trying to get updates, but told the case has no time frame ... therefore, I get very little information on my missing {$20000.00} funds ) XX/XX/ : I went to the XXXX, VA Police Department and filed a formal police report and later that day sent over all documentation I had to the officers email. 

XX/XX/ : I scanned and uploaded the signed and notarized affidavit to discover portal, immediately called discover and they said they received my information XX/XX/ : I received a phone call from an investigator for the town of XXXX that said he started the criminal investigation on the suspect of fraudulent check I have yet to receive any real information on how this obviously fake/fraudulent check was able to be withdrawn from my SAVINGS account with Discover Bank XXXX I am coming here hoping to get my funds returned and answers. 

Thank you for your time
Product: Debt collection

I was never late... the creditors made an error with my address and sent the statement to the wrong address. They said they would remove the negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Product: Mortgage

Multiple issues with the company LOANCARE LLC. 

I started the COVID-19 forbearance in XX/XX/2021 ... yet monthly I receive statements from the services claiming I am behind in my payments which causes myself and my family unnecessary stress. 

They claim ease of online account for payments and documentation download however since my mortgage has been with them I have never once been able to use online despite resetting my password 20+ times over the years, forcing me to call in wait an obscenely long time to speak with anyone to get my issues resolved.
Product: Credit card

On XXXX XXXX 2014 a merchant has charged my credit card ending in XXXX, the amount of XXXX, after authorizing, then on XXXX, XXXX 2014 he charged again the amount of XXXX, " which was unauthorized '' this is beside the fact we never received the merchandise in full ( the tracking numbers the merchant sporting documents are showing is only part of the shipment ) also we never got a correct invoice from the vendor, ( all the invoices he sports is mocked invoices, without my permission or signature, ( in fact you can verify the date of the invoice is XXXX/XXXX/14, while the credit card charge was XXXX days before on XXXX/XXXX/14, how come he charge before I got the invoice ) After contacting American express during the last 11 months starting with the first dispute on XXXX XXXX dispute # XXXX, following with other XXXX disputes with the following dispute numbers XXXX, XXXX, XXXX, XXXX, XXXX and finely with # XXXX, a total of XXXX times, I got a response that the merchant has replied to our inquiry and has denied our request for credit, they have provided a detailed letter, " itemized invoices '' and the " proof of delivery of both shipments '', we have attached the supporting documentation " WHICH WAS PROVIDED BY THE MERCHANT '' for your review, In fact I never authorized those invoices ever, this was mocked invoices, without even my signature on it, the tracking numbers are not for the full shipment in fact he charged me a total of XXXX, my dispute is only for {$6100.00}, which is the amount of merchandise I did n't received ever, and the main point is, " I NEVER EVER AUTHORIZED THIS XXXX CHARGE '' To make it in short words to the point there is XXXX Main facts. 
1- I never authorized this XXXX XXXX I never authorized this invoices I never signed it3- I never got the merchandise in full ( the tracking numbers are not for the full amount of merchandise )
Product: Consumer Loan

I purchased a vehicle from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan that now I am unable to afford. They prayed on my vulnerability because at the time I needed a vehicle. They conspired with Fifth Third Bank, which in turn sold the account to XXXX XXXX XXXX, knowingly that evidently I would default on the loan due to my inability to pay ... .PREDATORY LENDING. Now I am stuck in this loan with high interest and high car payments, owing way more on this vehicle than what it 's worth. I was never offered a carfax for this vehicle and after purchasing one on my own, found out that it was one of a fleet of rental cars. Based on the federal " XXXX XXXX '', this information should of been disclosed to me as a consumer in the purchase. I tried in vain to take the vehicle back to the dealership and was deceived several times. I simply can not afford this vehicle. It will probably be repossessed.
Product: Credit reporting or other personal consumer reports

I paid off close to {$50000.00} in student loans in the last few years. XXXX XXXX  in Tennessee is not reporting this information to the credit reporting bureaus. The credit reporting bureaus all show I have {$20000.00} worth of student loans unpaid and I have paid them off 100 % and this information needs to be reported.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

My auto insurance was raised from about $ XXXX to over XXXX because Lexis Nexis reported incorrectly to progressive that I had received a XXXX  in XXXX OH. I have never had a XXXX  in my life, and have demanded this information be corrected multiple times over the past 2 months only to be turned away on every occasion. Ive called, stated my issue and been turned down. Ive sent multiple emails, asked to open a case, all denied. They just keep sending me back the same email saying they need to verify my identity first before going through with a request, but I dont want them to have my information in the first place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( have told y'all over and over again I have never heard from this company and neither you nor them have sent me proof of account and I am about to file a police report and report it and report it to the FTC ) XXXX. XXXX XXXX XXXX ( Again, absolutely no knowledge of this account and no one has provided me any proof. I have even written this company and have not received a response from them. I will be reporting them and yall as well if not removed. ) XXXX. XXXX, account XXXX, ( XX/XX/XXXX ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any validation to me. 


Best Regards, XXXX XXXX I have attached my payment history from XXXX card. My XXXX card  was not late, and if it was late for those 2 months then why is not reported late for the other months. It needs to be updated and fixed.
Product: Mortgage

On XX/XX/20 I applied for a mortgage refinance with Loan Depot at www.loandepot.com. A credit score was pulled and I received an email with my loan number : XXXX. Then, I received a call and the representative went over the details of my application and figures associated with the costs of the loan. I requested a Good Faith Estimate so that I could comparison shop. The representative said they the only way to receive a GFE was to first commit to " moving forward. '' I asked how I could do this. He said that I will need to pay a {$490.00} appraisal fee first, and it would be credited back to me when the loan closes. I pressed several times for a GFE without needing to pay the {$490.00} appraisal fee, but he refused. I pointed out that I can not comparison shop fairly without receiving a GFE. The only document that the representative would provide was a screenshot of a generic loan amortization schedule.
Product: Credit card or prepaid card

Before going on a trip to XXXX XXXX in XXXX this year, I have received the document from Barclays ( my credit card company ) stating that if I use their credit card for car rental, and decline this portion of coverage, they were going to provide for collision and comprehensive part of auto insurance. I duly did so. Upon returning the vehicle, the leasing company claimed that a part from the roof of the vehicle was missing and charged me {$400.00}. The Barclays has refused to issue credit for this amount. 

Respectfully, XXXX XXXX
Product: Mortgage

Lakeview Loan Servicing LLC has repeatedly violated the terms of my FHA loan. Issues I've been having with this loan servicing company are : ( 1 ) FAILURE TO REMOVE PMI AS SPECIFIED IN LOAN DOCUMENTATION. Lakeview did not remove the PMI in XX/XX/2020 as expressly stated in my loan paperwork. Even after multiple time-consuming discussions ( 3-4 hours total ) with Lakeview, they have refused to adjust my loan account to reflect removal of the PMI beginning in XX/XX/2020, and instead have put my payments in " suspension '' as if I had not been paying the full amount due ( which I have done ). ( See attached copy of mortgage payment summary page ).

( 2 ) UNABLE TO MAKE PAYMENTS BY PHONE. As of XX/XX/2020, Lakeview 's phone system will not allow me to pay my loan by phone as I have done for many years. It appears that Lakeview 's phone system is rigged to only accept the higher improper payments and no other type of payment at any other amount is possible.

( 3 ) FAILURE TO POST ELECTRONIC PAYMENTS. Lakeview did not credit 3 months worth of payments ( XXXX, XXXX & XX/XX/2020 ) made thru XXXX  XXXX XXXX Bill Pay online system. These payment were FINALLY credited to my account 3 months after the fact when XXXX  XXXX XXXX personally intervened on my behalf. However, XXXX is STILL trying to assess late fees & the PMI for months in which PMI was not due. I was forced to make payments thru XXXX XXXX XXXXXXXX XXXX on-line bill pay service because Lakeview 's phone payment system would not allow me to pay the correct amount ( without the PMI ).

( 4 ) IMPROPER ASSESSMENT OF ADDITIONAL FEES UNRELATED TO COLLECTION. Lakeview attempted to pass on their legal fees to me without my consent which were associated with a property line dispute which I informed them of with a neighbor. It is my understanding that this is NOT ALLOWABLE under an FHA loan. These legal fees are completely unrelated to any collection.

( 5 ) LATE PAYMENT OF PROPERTY TAXES COLLECTED. Lakeview repeatedly pays my local property taxes late, and at least once has paid them so late that it was posted in the wrong tax year and affected my ability to properly file my personal taxes.

( 6 ) IMPROPER ASSESSMENT OF LATE FEES. Lakeview is assessing hefty late fees for several months even though I have made every attempt to pay them on time.
Product: Debt collection

This account is involved in litigation. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Credit card or prepaid card

I have a business Chase account that was opened in XXXX. Unfortunately, due to my business not doing well I am not able to make payments on this account. ON XX/XX/XXXX Chase reported the late payments to my personal credit. I called Chase on XX/XX/XXXX and asked them how they can report a business credit to my personal credit report.

They told me that is was in my original contract and stated that if I went 120 days that they would report to my personal credit. I asked the Chase rep to please send me the original singed contract so that I can see where it states that. I got a letter in the mail 2 weeks later from Chase stating they can not locate this contract. 

I am 100 % sure that this account should have never been placed on my personal credit and since chase can not provide the contract they should have this deleted ASAP from my report.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXXXXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Debt collection

In XX/XX/2020 I received a written notification from XXXX XXXX XXXX , XXXX claiming they were attempting to collect on a debt for the original creditor XXXX XXXX  with an account number referred to as ( XXXX XXXX XXXX XXXX ). 

Upon receiving this information and not having any previous knowledge of the account in question I requested validation under the Fair Debit Collection Act. In my request, I demanded a copy of any and all documentation showing this account was authorized and opened on my behalf including but not limited to a signed agreement. On the contrary to my request I notified Monarch that this account was previously investigated by law enforcement and deemed fraudulent due to identity theft but pursuant to law I would await their proof of ownership. 

On the contrary to my previous position on XX/XX/2020 I received notification including copies of what appears to be a credit card statement. In a review of these documents which did not include what I requested the name and address were both identifiers not associated with me personally. At this present time I have turned the matter over to our attorney for immediate action but I was instructed by law enforcement to open a claim pertaining to Monarch 's failure to comply.
Product: Credit reporting

*** This is not a duplicate *** I had written twice to XXXX XXXX on XXXX XXXX via certified mail USPS XXXX USPS XXXX concerning XXXX account by debt collectors XXXX XXXX XXXX account XXXX and XXXX Account XXXX. 

I had seek validation from XXXX through certified mail but did not received it. Tracking numbers are : XXXX/XXXX/XXXX USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX USPS XXXX XXXX XXXX XXXX XXXX XXXX Also XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I did not get any response from either that this debt is valid. I escalated this to XXXX XXXX, sending them copies of the letters I mailed to the collector as well as proof of delivery, and they also did not respond. It has passed more than 30 days since I requested validation and have not received it.