23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed the below accounts with Transunion on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. 
XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX
Product: Mortgage

This is a second Case Opened based on a recently Closed Case : XXXX XXXX XXXX XXXX XXXX over our Loan Servicing in XXXX. At that time we had an Interest Only rate that the previous Mortgage Company ( XXXX ) had modified for us to a 1.75 % interest Only rate. 

in XXXX The Rate was supposed to adjust ( Although we were unaware that it became a 5 yr ARM as the original Loan was a 10Yr arm ). we signed a temporary Rate adjustment while our Youngest son was undergoing XXXX XXXX ( He XXXX XXXX in XXXX ). During this time of the adjustment my wife and I were separated physically because our son was hospitalized and I was the only one that signed the document, We went to Sale our Home in XXXX and during this process I reached out to Ocwen to see what the Interest Rate was and was told it remained at the adjusted Lower rate. All the online statements stated this fact and all the statements we continued to receive in the mail stated this, we were never notified of an adjustment and everything we saw or received stated the same ( The 1.75 % rate did not change ). I just had assumed it was through the 10 yr period which the original Interest only Loan was set at which would have expired in XXXX. 

Had we been told the rate was adjusting to a new higher Rate back in XXXX we would have sold the home at that time or refinanced the home. 

2 Months ago we received a notification that the rate was going to adjust in XXXX XXXX so we took steps to sell the home ( And sold-Closed Escrow in XXXX XXXX ). Just prior to closing escrow we received a document from Ocwen stating we owed for XXXX XXXX yrs of unpaid interest ( That we were never notified about until just recently ). This amount is around $ 140k. 

Had we been made aware of this way back in XXXX we would have taken much different steps with this home. Because of this we are not only losing our life savings we originally put into this home but we now can not afford to buy a home in the city we live in. 

I noticed a Judgement against Ocwen in XXXX XXXX by XXXX regarding Ocwen 's incorrect statements for its customers? This is the primary reason we are in this mess right now. They admitted the Systems issues and stated they made mistakes on their end. There has got to be some sort of way to resolve this and not put the entire blame/burden on us the consumer. 

I 'm not denying that I signed a temporary rate decrease by the previous Mortgage company that managed our loan. This was done out of the graciousness of XXXX 's Management and we were entirely grateful. My primary complaint is we trusted the information that we were being provided and made decisions based on that information we were given to us by Ocwen for a XXXX XXXX yr period ( Of online statements and Verbally over the phone ). they must have some sort of responsibility in this. Our family and finances are devastated by this. 

I have online transaction history, phone records, etc .... that shows all the correspondence on this matter.
Product: Checking or savings account

Two different occurrences of online banking accounts opened fraudulently with Bank of America within the last two weeks. Both accounts were active when I called to have them closed and report fraud. The bank employee instructed me to file a complaint with CFPB.
Product: Debt collection

I have two houses that the mortgages are serviced by Loan Care. The houses are rentals that has one policy that covers both houses. This has been this way since XXXX I got a letter in both XXXX and XXXX from LC that they had not received proof of insurance. On XX/XX/XXXX and XX/XX/XXXX I faxed LC a copy of the policy. On XX/XX/XXXX and XX/XX/XXXX I emailed thru their portal a copy of the policy Today I received an email that LC escrowed {$3400.00} for insurance We had this problem 3 yrs ago with LC. My credit report shows 22 late payment because I would not pay the placed insurance. An attorney was hired, {$11000.00} approxiatemly, to rectify the problem. So LC has done it again. Plus LC will not fix my credit even though LC admitted insurance coverage was always in place Thanks
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian due to their ongoing reporting of inaccurate information on my credit report. Despite multiple disputes regarding accounts ( Account Numbers : XXXX and XXXX ), they have failed to correct or remove these errors. This inaccurate reporting is significantly harming my credit score and misleading potential lenders, which negatively impacts my financial opportunities. 
I have contacted both Experian and the companies involved several times, yet no resolution has been reached. This lack of action is unacceptable and continues to cause me unnecessary financial harm.
Product: Credit reporting or other personal consumer reports

Presumed to the law 15 US1692q this debt collector on my credit report name XXXX XXXX XXXX with an account number XXXX is prohibiting false statements, and misrepresentation of debt. This debt on my credit report states the account type as an Open account, the legal status of the debt is revolving account. Also, the loan type states Debt Buyer, the legal status is a credit card.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by IC Systems. The response I received from the bureaus stated IC Systems had verified the entry, yet they did not respond to my letter. My certified letter was not returned ; therefore, the company was in receipt and blatantly refused to respond, yet still report. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. I sought validation and not verification. This is a very misleading practice and a violation of my consumer rights. They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that IC Systems inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. IC Systems must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for XXXX XXXX, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity. 
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter with attached application, copy of passport and utility bill to LexisNexis over four weeks ago asking for annual full file disclosure. 

I called on XX/XX/XXXX to ask for the status of my full file disclosure. 

They acknowledge sending it out USPS on XX/XX/XXXX and informed me it takes seven to ten days to reach me. That time has past. I still have not received the file.
Product: Credit reporting or other personal consumer reports

I was denied employment due to a bankruptcy being reported on my report. Under 1681 ( a ) ( 2 ) consumer can not be reported for employment purposes. 1681 governs access and 1681b ( 2 ) limits circumstances under which a consumer report can be obtained or used. 
Although I know it is public record, upon contacting the courts, it is stated that the courts have no jurisdiction in reporting. There are also accounts that are being reported that are part of the discharge.
Product: Credit reporting

I continue to have problems accessing my online report and today through a credit monitoring service I discovered they are know reporting XXXX inquiries in the last month, incorrect information about an account and they have me listed as having for a non existent company. They have caused my credit score to drop XXXX points with their mistakes!!! 
I should not have to pay postage or waste valuable limited minutes on my phone. I have never had a problem with XXXX or XXXX. Every year I have problems with Transunion and they appear to be the XXXX many companies turn to for credit reports. I have contacted them directly twice with no workable solution. In my previous complaint they were supposed to fix what I reported and they did not. The same XXXX security questions are being used with wrong data for the answers, therefor blocking me. In addition to inability to obtain report : I know they have incorrect information on account status and terms, the have my personal information wrong, and have listed and enormous number of inquiries ... almost an impossible number according to Credit XXXX ... ... I HATE this company and the power they have to ruin lives with their ineptness and possibly fraud to benefit lenders they are associated with.
Product: Credit reporting

Sterling Infosystems , Inc., a consumer report company is reporting false and frivolous information on employment background check. It is reporting XXXX cases that were not only dismissed, but also sealed, expunged, or otherwise removed from public record.
Product: Checking or savings account

I am writing to formally file a complaint regarding my recent experience with your bank after opening a new account. I opened both a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2025, at BMO. 

To fund the account, I made XXXX initial transfers from my XXXX account, and the account was successfully opened. However, XXXX days later, when I attempted to make an additional {$3000.00} transfer from the same XXXX account, my BMO online banking access was unexpectedly locked. 

I contacted BMO customer service twice to restore my access. Although I was told the issue was resolved, the next day my account was locked again, and the {$3000.00} transfer was rejected. Upon further inquiry, I was informed that the issue was due to a mismatch in the transfer account number, and the representative claimed that a transfer was attempted from an account ending in XXXX which I do not recognize or own. I was using the same XXXX account I originally used to open the account. 

I requested to speak with a manager but was never connected. The representative assured me the issue had been fixed, but my online access was again locked the following day. When I called again, another representative demanded I provide a statement for the unrecognized transfer account which I can not do because that account does not belong to me. 

At that point, I asked to close the account. I was told it could not be done over the phone and I had to visit a branch in person. Extremely frustrated, I immediately visited the XXXX XXXX branch on XX/XX/2025, where I spoke with XXXX XXXX. XXXX was very helpful and understanding. He contacted the appropriate department and asked me to provide my XXXX statement, which I promptly did. 

XXXX continued to follow up with me XXXX times during the following week, but unfortunately, the issue remains unresolved. I was later informed that my account is now under a credit account status, which I never requested or authorized. Due to this status, I am now unable to close my account. 

While I appreciate XXXX professionalism and efforts to assist me, the ongoing issues, lack of resolution, and conflicting information from BMOs customer service team have caused significant frustration and inconvenience. I no longer wish to be a BMO customer, and I respectfully request that : My account will be fully reviewed and corrected. 

The incorrect credit account status be removed. 

My account will be closed immediately without requiring further in-person visits. 

Any record of the incorrect account number be removed from my profile. 

Please confirm receipt of this email and advise on the next steps. I would appreciate a prompt resolution to this matter.
Product: Checking or savings account

On XX/XX/XXXX i opened an account with navy federal credit union, next day i was put on restriction due to false info on a consumer report now Im unable to use the account for my own benefits.
Product: Vehicle loan or lease

I originally got my car from American Car Center and American Financial. They went out of business in early XXXX. I couldn't contact anyone regarding my car since both the bank and dealership went out of business so I was in the process of getting a court-ordered title to resolve the issue. 

Fast forward to a couple of weeks ago, my car was randomly repossessed. I wasn't notified by anyone of a past-due balance AND wasn't sent a notice regarding the repossession. I didn't even know about Westlake until after my car was taken. I had to contact the police regarding my car being taken, who gave me the tow, who gave me the information for another company, that gave me Westlakes contact information.

I called Westlake and they confirmed that they've been sending their notices to the WRONG ADDRESS ( they had the right one on file all along and I have this in writing ). I asked for all of the documentation regarding their claim to this debt, and they refused to send it to me. This took a week 's worth of calls to get this documentation, despite my explicit approval of sending it to me and frequent mentions of how theyre violating my rights under the FDCPA ( I have this recorded via phone conversation ). I didnt even find out who was in possession of the car after the repossession until XXXX weeks after the car was taken. After finally sending me the documentation, about two to three weeks after my car had been repossessed ( the date they sent everything via email was XX/XX/XXXX ), they mentioned that my car was scheduled to be sold in a private sale on XX/XX/XXXX. I dont know under what right they have to only give someone a two-day notice of their intent to sell.

Now if this doesnt fall under unfair or deceptive acts or practices, I dont know what does. I have numerous recorded calls from Westlake employees trying to gaslight me into believing that what theyve done is justified, despite my clear effort to get clarity on the situation. At this point, I have most of everything I requested in writing and hav
e numerous recorded calls with conversations with Westlake. I would appreciate your investigation into the situation, as I believe that Westlakes actions warrant serious scrutiny. I believe that various amounts of my rights have been violated, including failure to provide notices, improper debt collection practices, and refusal to essential documents to verify any debts.
Product: Credit reporting or other personal consumer reports

Hello, this complaint is valid and not sent in error so please take it seriously. My credit report includes false and inaccurate information, leading to undue stress and has been negatively affecting me which is is deeply frustrating. Despite my repeated requests for deletions, these issues remain unaddressed, unfairly impacting my credit score and having my new credit applications getting denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with XXXX XXXX XXXX XXXX to find out what was going on. They informed me a payment was passed due XXXX days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and XXXX doesn't care that their mistake is causing me real life issues. I appreciate XXXX getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.
Product: Debt collection

We were advised by Bank of America, XXXX XXXX Resolution Specialist, Regulatory Complaints, that when he was provided a signed third party authorization from the borrower XXXX XXXX ( seXXXX attached ), we would be provided a payoff. We provided same yet Shellpoint, Bank of America, or its lawyers XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Managing Member, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorneys at Law XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Illinois XXXX provided a payoff letter all in violation of the FDCPA and federal statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by XXXX. If you look in that XXXX  file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXX XXXX XXXX ', XXXX  insurance company and credit collector XXXX XXXX fault. 

I have also attatched a screenshot of the tradeline from my credit reports.
Product: Debt collection

" Your federal tax refund will be returned to you if your refund was in the process of being withheldon or after XX/XX/2020, the date the president announced executive actions related to the COVID-19 national emergencyfor the repayment of a defaulted federal student loan. Your federal tax refund will not be returned to you if the process to withhold your refund was completed before XX/XX/2020 ''. 

On my letter shows XX/XX/2020 has the Department of Education states need to return my Refund. I have attached the document from the Treasury Department it was taken on XX/XX/2020. 

I did not make any arraignments by phone or any type of communication directly to you. I need back my 3 years refund and will not call number provided because this is not my loan and invest time calling to get my funds back. It your obligation to return 3 years of refund and if not will file a suit against you for fraud and any damages that were incurred in this 3 years to collect my refund back. 

I will settle by returning my refund back of 3 years and take off the loans off my credit.
Product: Credit reporting or other personal consumer reports

Hi I am XXXX XXXX. I live in XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. I was monitoring my credit report the other day and got shocked from the fact that someone tried to apply for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute those inquiries from my report. Please remove following inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY SIGNATURE & ADDRESS DOESN'T MATCH WITH ANY OF THESE CREDITORS THAT'S REPORTING ON MY CREDIT REPORT. I NEED PROOF OF MY SIGNATURE, NAME & ADDRESS TO CONFIRM THE VALIDITY OF THESE TRANSACTION/S.