23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX  is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX  XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.
Product: Credit reporting or other personal consumer reports

I sent multiple dispute letters to your company, but I am still seeing the same inaccurate information on my credit report. According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not reporting 100 % accurate information.

I am attaching copies of all the letters I previously sent.

You need to remove this inaccurate information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple fraudulent items on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent items and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I got an email from PayPal stating im not allowed to open a PayPal Account Ever again But the issue is I dont even know why and PayPal Wont tell me the reason at all and its really Frustrating not having proper communication with this issue
Product: Mortgage

Dear Sir or Madam, My name is XXXX XXXX XXXX, I am a XXXX veteran I served in the XXXX XXXX, I am receiving 100 % Service Connected Unemployability, I had a VA loan with XXXX XXXX which I was on forbearance and the loan was sold to Midland Mortgage without notifying me back in XXXX, when I was notify in XXXX after a call to XXXX, I been in forbearance since XXXX of last year and every time I call the tell me a different story, I going to be force to file chapter XXXX I don't want to lose my home I have kids XXXX, XXXX and XXXX that I don't want them to go through this experience, I need help to get this forbearance done with it.
Product: Student loan

I was granted 100 % permanent XXXX by the VA effective date of XX/XX/XXXX, the decision was made XX/XX/XXXX and backdated. I applied for XXXX discharge of my student loans XX/XX/XXXX. I made approximately {$27000.00} in payments between XX/XX/XXXX and XXXXXX/XX/XXXX. I received a refund of only {$8800.00}. I contacted Navient and XXXX about this around XX/XX/XXXXXXXX XXXXXX/XX/XXXX and XXXX I was told that any payments made on the loans after the date of XXXX of XX/XX/XXXX would not be refunded if the loan account was inactive when they were informed of the XXXX on XX/XX/XXXXXXXX Therefore, I was told of the {$27000.00} in payments I made after my XXXX date of XX/XX/XXXX, I would only be eligible for a refund of {$8800.00}. Title 34, Section 674.61 ( C ) ( 3 ) ( iii ) states any payment made after the XXXX date will be refunded.
Product: Mortgage

SLS mortgage company XXXX XXXX XXXX assessed 2 {$25.00} fees when I used their automated system to request a payoff quote. I made the two separate requests in the month of XXXX - on XX/XX/XXXX and again on XX/XX/XXXX. As of XX/XX/XXXX at XXXX PST, I still have not received the payoff quote. At the time that I requested the payoff quote, I was never warned that a fee would be assessed for preparing the payoff. My statement disclosures say that a fee may be assessed in " certain states '' but does not list an amount. When I didn't receive the payoff after the first request ( XX/XX/XXXX ), I attempted reach a customer service rep by calling the customer service number at XXXX on XX/XX/XXXX but was advised by automated system that the hold time to speak to a representative was more than 20 mins at which time, I elected to simply submit a second automated payoff request because I was unable to hold for that length of time and needed to return to work. Again, had the fee been disclosed to me by the automated system, I would not have made a second request. 

Still with no payoff quote, I contacted SLS again today, XX/XX/XXXX, and thankfully only had to wait 4 minutes to speak to a representative. I explained to the customer service representative that I had not received a payoff quote and had been assessed 2 {$25.00} fees, which had already collected from a large payment that I made toward principal on XX/XX/XXXX ( {$8000.00} payment ). When I objected to the fee because it was not disclosed to me and because I have still not received a payoff quote, the CSR offered to waive one of the {$25.00} fees and to fax the payoff quote that she had in front of her to me directly but noted that the payoff quotes are only good for 30 days and therefore, the one she would be sending me would only be good until XX/XX/XXXX. I advised the CSR that I do not have a fax machine and asked that they mail the quote to me. I voiced my concern that I would not receive the payoff quote by mail before it was no longer good and the CSR again asked me to provide a fax number, ( which I again told her I do not have ) and advised that if I could not provide a fax number then I would likely need to order a THIRD payoff quote, for another {$25.00}, because the one they had already prepared was about to expire. I again objected to the fee given that I still have not received a payoff quote and asked to speak to a manager. I was refused a manager, instead, after a hold, I was told by the CSR that she would submit a request to credit back the two {$25.00} fees that I had already been deducted from my last payment but noted that I would have to wait until XX/XX/XXXX before the fee credits would reversed and applied to my principal. After that, the CSR told me that I would have to call back again, after XX/XX/XXXX, to request the payoff for a third time and that they would add another {$25.00} fee to the payoff quote for the new request at that time.
Product: Mortgage

As per RTR, " RTR began servicing the junior lien obligation in XX/XX/2009. Since that time, RTR has made multiple efforts to contact the consumer in writing and by phone. '' Since RTR claims that they start servicing the junior lien in XX/XX/2009. I will like to get the copies of all the attempts made in writing and by phone as claimed by RTR.

I will like to get copies of all the letters mailed to me, along with the efforts made by phone ( Call logs with dates, time and numbers called ) as claimed by RTR.

TILA, RESPA and California DFPI requires that RTR provide information as requested above in a timely manner.

I will also like to know complete breakdown of the balance including interest charges ( rate and amount charged daily, monthly and yearly ) and or any fee added to the account.

Thank you
Product: Credit card

This company requires you to contact them to change your account number in order to make a payment. The do not have a customer service phone number and require you to email them. I have sent several emails regarding updating my linked account so that I can make my payment. I also mailed a money order that was received on XX/XX/16 per the tracking which also states the mail was delivered and left at the reception desk. That payment still has not been applied to my account. Now they will be reporting late payment against me when they have no way that I can make the payment. This is abuse and unfair practices.
Product: Vehicle loan or lease

The company from which I purchased the truck was out of business the day after I purchased the truck. The truck hasn't worked since. I told Westlake Financial about this, and even though they said they would work with me on the payment so I could pay to get it fixed, they came and repossessed it when they said they wouldn't. On top of that, they keep adding a crazy amount of fees. I owe more now than when I purchased the truck. I had to get an attorney to help me, as Westlake would not speak to me. This company was set up to make people fail, not get ahead.

In addition to all this, they had a tracker put on the truck without my consent. I was never advised there was a track on the car.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the above-referenced account, as it has been reported on my credit report without my knowledge or proper validation. in accordance with the fair Debt collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692g, I demand validation and other clarifications about this debt. please provide concrete proof that establishes my liability for this debt. please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card

I recently paid down all of my Chase credit cards to improve my credit score by lowering my utilization rate on my available credit. Two days after I made the payments to bring my utilization down below 30 %, Chase lowered my available credit from {$25000.00} to {$2500.00} thus making my balance at 100 % of credit and creating virtually no availability. This also would have seriously damaged my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed XXXX accounts with equifax. the accounts were XXXX from XXXX. equifax reported : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. how can they verify those items above when my documents prove otherwise. its like XXXX and EQ dont care about the consumer. EQ will just go along with what ever XXXX says. 
but they did not verify account history with status codes and late payments. they did not verify that i had a veteran XXXX discharge on XXXX XXXX XXXX and was XXXX on XX/XX/XXXX by SSA . thus they are not verifying all info on tradeline and saying the account stays on credit report due to lack of their own verifying of whole tradeline the payment history is wrong. and saying transferred to government. when the loan was discharged the loans were still with XXXX. i have disputed and disputed with the CRA 'S and XXXX yet they keep reporting the same wrong info. equifax has many pages of documents i uploaded proving my position. yet they dont verify all info on the accounts,. these XXXX accounts have already been deleted on experian. how much XXXX and frustration do i have to deal with on these accounts. i feel like equifax and XXXX are in collusion on this. i an XXXX XXXX with XXXX, XXXX, XXXX. its hard to fight these guys over and over. you will see the account numbers are different from experian to XXXX to equifax. i have uploaded the EQ dispute result and the EQ full credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have to right to privacy.

15 USC1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 credit Bureaus have been made aware via certified mail. 
Sent in FTC report via XXXX XXXX mail and filed to credit bureaus on XX/XX/XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Middle Name : XX/XX/XXXX Last Name : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Email : XXXX I did not consent to nor authorize or benefit from following fraudulent accounts below. Please lock and remove them immediately. XX/XX/XXXXXXXX XXXX XXXX XXXX Accounts Affected by theXX/XX/XXXX Opened by the Thief Company or Organization : Inquires Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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
Product: Bank account or service

My checking and savings account both had maintenance fees charged this past month. I HAVE NEVER BEEN charged this before and never provided an explanation on why I was charged this on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive repeatedly disputed a chapter XXXX bankruptcy case with Equifax because they are reporting information that has not been verified and is being wrongfully reported as this case does not belong to me. It belongs to an ex spouse. I would like this Ch. XXXX bankruptcy to be removed from reports immediately since they have failed to verify me as the responsible party. The only thing that they have done was update the bankruptcy as closed /dismissed but the responsible party information was never verified and the bankruptcy still remains.
Product: Checking or savings account

Money was being transferred from my account to others financial institutions. 
Dates= XX/XX/2021 - XX/XX/2021 Action= Filed a complaint with my bank and the other institutions involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS NOT ACCESSIBLE FOR MY XXXX  XXXX. I am a XXXX yr old Target by Profile XXXX  Vicitim of Ideninity Theft case XXXX. FINANCIAL INSTITUTIONS ARE ESSENTIAL. See attatched XX/XX/XXXX EQUIFAX CINFIRMATION XXXX. ADA COMPLIANCE Accessible Design, states ALL electronic & technology ( websites ) MUST be accessible to people with disabilities. VCAG 2.1 ADA COMPLIANCE. Equifax PROVIDES NO ACCESS. ALSO I AM VICTIM TO EQUIFAX BREACH XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Student loan

Heartland ESCI my student loan servicer began requesting repayment of my student loans in XXXX of 2022, despite the pause of federal student loans being extended until XXXX. Additional my statements were being sent to the wrong address despite it being updated in their system to a more recent address.
Product: Checking or savings account

Its been Soo long I dont remember exact dates I think it may have been in XXXX or XXXX but the account was in my name. They kept charging me over draft fees that was not supposed to be until the fees created a spiral effect on my acct until I just told them to close my account and I think I had to pay over {$1000.00} plus to clear up the matter bec I was buying a home and it was reported to the Credit Agencies
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Received two calls on the same day XX/XX/2023 from different numbers- one to my work phone at XXXX, and one to my personal phone at XXXX. Call to my personal number identified as Portfolio Recovery, and the one to my work number displayed Unknown ( my work phone is set up to display caller ID just like my personal phone. ) I was able to verify the source of the call to my work phone as Portfolio Recovery.
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 : Account Number : 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXXXXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX 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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX ================================ UNAUTHORIZED INQUIRIES PLEASE DELETE : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I ran your credit and your median score is XXXX and when I priced out the mortgage based on the mortgage amount you closed, the $ XXXX appraised value, your debt to income ratio, etc. the FHA rate ( for a cash out refinance ) with no points would have been in the 3.375-3.50 % range. You closed at a rate of 3.625 % and were charged XXXX points = {$6900.00} plus a {$990.00} commitment fee and a {$890.00} processing fee. If I were you I would contact the loan originator and inquire about these fees, starting with the points where I do not believe you should have been charged these based on your credit score and loan to value ( amount of equity ). I looked up his name that is on the recorded mortgage document : XXXX XXXX XXXX XXXX XXXX XXXX ( NMLS # XXXX ) XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am adding to my other complaint that Ive made against XXXX consumer credit. I received this loan back in XX/XX/XXXX I was late and then they are charging me XXXX {$.00} per day for the remainder of my contract which is until XXXX. Thats an extra XXXX dollars for nothing. Also they called me 50 times a week and I am uploading proof of them calling from many different numbers multiple times a day so many times I have to block them from calling me, but Im gon na upload the proof. Thank you. I also have more proof of them calling me so many times. I had to block them but can send more pictures if need be
Product: Debt collection

UNITED RESOURCES SYSTEMS has been posting a debt on my credit report sense 2014 I have been writing them over and over they have refused to remove it and keep posting it like it's mibes I'm going to file a lawsuit
Product: Student loan

I got my loans through Navient in XXXX. I got put through for barren twice, wasw never given another option. they made me pay almost {$500.00} to go into forbarren for a year.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for credit with this company. It was a lease to own. I had 90 day to pay off and it went over 90 days and XXXX turns to XXXX dollars. I paid the bill off but I struggled. Each month I was giving them XXXX a month. I will never go them again.