23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought a home in XX/XX/2021 using Loan Care LLC in Virginia. In XX/XX/2021 I asked the mortgage company if I could do split payments for my mortgage. They said they could do it and one of my payments were split up from one week to the next. The next month they called me and said that I was missing a payment, I told them that someone from their company told me I could do split payments or biweekly. They said that was not possible and they could not do it. I said OK and authorized to have full payment processed from my account in the amount of {$490.00} every month, the woman I spoke with on the phone from the mortgage company gave me a confirmation number. 

Today they called me this morning around XXXX XXXX  and stated I was behind two payments on my mortgage, I told him I did not understand and that in XXXX I was told I was already set up for automatic payments ( which you can do over the phone ) they told me they did not see in there system anything was authorized for that. The woman I spoke on the phone with first stated my last payment that was supposed to be processed in XXXX was canceled as soon as I got off the phone after I had already authorized it. I asked what was the reason for that and she said the woman who spoke with me Might have pressed the wrong button or something. I immediately asked to speak to a supervisor. I explain to the supervisor what was going on and she stated she would waive the late fee which is only {$16.00}. I now owe {$980.00} to Loan care. I also provided the supervisor with a confirmation number I was given by the person I last spoke to she stated that number did not exist in their system. 

I asked the supervisor why the woman I spoke with last time would give me that confirmation number if it didnt exist she stated she did not know and they would look into it. 

This would be the third time they have forgotten to process my payments correctly This is also taking a hit to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
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 Account Number Date Opened Last Activity Original Creditor Status Type High Balance Unpaid Balance Highest Adverse Rating Most Recent Adverse Rating XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Open Individual {$4800.00} {$4800.00} Collection/Charge-off Comments Collection/Charge-off Placed For Collection Account Number Date Opened Last Activity Original Creditor XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Status Open Type Individual High Balance {$840.00} Unpaid Balance {$840.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Collection/Charge-off Account Number XXXX Date Opened XX/XX/XXXX XXXX Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$2000.00} Unpaid Balance {$2000.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Consumer Disputes This Account Information, Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number XXXX Account Status Open Date Last Activity Type Responsibility Remarks Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit XXXX Open XX/XX/XXXX XXXX XXXX Credit Card Individual XXXX XXXX Provided {$590.00} {$590.00} Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights .

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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries I don't recognized XXXX XXXX  : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Santanderbank is not allowing me to make payments and they are requiring to call and provide Checking Routing numbers which is very unsafe.
Product: Credit card or prepaid card

In XX/XX/2017, I was offered to sign up for BestBuy credit card through Citi bank at my ( former ) local BestBuy in XXXX, ND. Since I am a regular BestBuy member, I accepted the offer. A few months ago, I realized that the Member ID number on the credit card didn't match my BestBuy account number. I have made many calls to both BestBuy and Citi bank. While I think it was Bestbuy 's fault to associate a wrong account ID with my credit card, Citi bank has failed to protect me as a consumer. There is no direct communication between both corporations and I feel that I have been deceived. If I don't find a fair resolution, I intend to file a legal compliant in court. 

My Credit card info : Name : XXXX XXXX Last 4 on credit card : XXXX Member ID on the card : XXXX
Product: Mortgage

In XX/XX/XXXX my husband and I got a few months behind on our mortgage. 

Nationstar Mortgage allowed a large payment in XX/XX/XXXX and after that, consistently informed us we needed to pay the entire remaining amount due and that they could not accept partial amounts toward the balance owed.

In XX/XX/XXXX I contacted them and received an email on XX/XX/XXXX from  representative XXXX XXXX. She provided an amount and a deadline of XX/XX/XXXX to avoid foreclosure. I have the email and will attach it. 

However, when I called Nationstar for an overnight address a few days later, I was informed by the person on the phone that they had never heard of XXXX XXXX and that my account had, in fact, been sent to foreclosure prior to the receipt of XXXX 's email to me. 

Soon thereafter we received an eviction notice from our county. Because I had the amount needed, my husband and I applied for reinstatement, which we were able to accomplish and were able to keep our home. 

The issue I have with this entire process is that a Nationstar representative provided a payment amount and deadline IN WRITING and then Nationstar refused to honor this or even acknowledge that this individual worked for them. 

The reinstatement amount I had to pay included approximately {$2000.00} in attorney 's fees which I feel Nationstar ( now known as Mr. Cooper ) should reimburse to me.
Product: Credit reporting

this account was never late and was never in collections-please remove and updateAccount nameXXXX XXXX XXXX, FL XXXXNo phone number availableAddress identification numberXXXXAccount numberXXXX .... 

Recent balance {$150.00} as of XX/XX/XXXXStatusCollection account. {$150.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX Account paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

This is infuriating! The Credit Reporting Agencie have become negligent of the Fair Credit Reporting Act section 605b, which requires the Credit Reporting Agencies to remove any fraudulent accounts and information being reported on my Credit File! However, despite the countless dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus, the Credit Bureaus seemed to not give a damn about my Credit File! They have bee climing that the disputed accounts and information are verified and yet they have been failing to send me copies of proof of verification in which I have been requesting from them for the last 1 whole year! I am tired of all this! This is going to be my last CFPB complaint to be submitted befoe I will file the lawsuit that we have been preparing against the Credit Bureaus! To the Credit Bureaus, if you think it will be easier to deal with a lawsuit than to remove the disputed accounts and information, so be it. But let me remind you that you got a one whole year to remove the following items and yet you opted not to : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$82.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as update the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I called Credit Collection Services, they have reported on my credit report that I owe money on two accounts that I have no knowledge of. The first account is reporting that I owe XXXXXXXX XXXX and it was opened on XX/XX/XXXX. The second account is XXXXXXXX XXXX and it was opened on XX/XX/XXXX I have no knowledge of these accounts and I called Credit Collection Services at XXXX to get a Validation Letter and the phone number given is not a working number that is the only number given.
Product: Debt collection

I have attempted to contact XXXX  XXXX, not XXXX, and not D Scott Carruthers, a law firm, to contest the amount they say I owe for a personal loan through the original creditor XXXX. I have tried to get a response from XXXX XXXX directly to resolve my account. I am forced and rerouted to speak with XXXX XXXX who works at the law firm D Scott Carruthers to accept their amount of {$20000.00} as the amount I owe. I have contested this amount and asked to pay a settlement close to the amount that still appears on my credit report of {$3100.00}. In good faith, I have paid more than {$1100.00} at their demand to enter into any paid agreement, and they required $ XXXX  monthly as the only option to pay off the loan. I am unable to pay $ XXXX  monthly so they have declined all together to make arrangements with me as they continue to add interest 300 % more than the original loan. I am asking to set up a monthly amount of {$200.00} and a settlement equal to or near the original debt. They are not budging. They called me two weeks ago and I requested the same amount, and they said they would get back, but I have not yet been able to reach an agreement while the interest they claim is rightfully there's is accruing. I need help in getting a reasonable settlement with a monthly payment that I can pay. Why I am forced into an agreement with lawyers instead of the debt collector XXXX XXXX is also concerning. XXXX XXXX has not reported the the credit bureau any payments made in the amount of {$1100.00} to my account. Nor have they stated the amount of the debt owed. There aren't any trade lines with the amount I owe, as they accrue interest by withholding an a reasonable payment agreement. They aren't being transparent in my view. They would rather not make an agreement in your presence, but I need a reasonable agreement before they sue me for {$20000.00}. I need an agreement right away to stop this interest rampage. Please help.
Product: Mortgage

I refinanced with Freedom Mortgage starting in XX/XX/XXXX. On XX/XX/XXXX, I submitted a letter to Freedom Mortgage from XXXX XXXX Appraisal District stating that I am exempt from Property Taxes effective XX/XX/XXXX due to me being 100 % service-connected veteran. I live in XXXX XXXX and also pay taxes for XXXX XXXX ( school taxes ). Both counties have me exempt and my property ID is the same for both counties. When I contacted Freedom Mortgage after sending the letter I was told it would be effective XX/XX/XXXX and I would see a change then. On XX/XX/XXXX I contacted Freedom Mortgage to notify them that I was still paying property taxes beyond XX/XX/XXXX ( which should be the only month ). I did receive a refund check sometime during XXXX for approximately {$1700.00}, but still continued to pay my full mortgage with property taxes. When I contacted Freedom Mortgage on XXXX XX/XX/XXXX ( I spoke with XXXX in customer service and XXXX in the Property Tax Division ), I was told I was only getting a partial exemption and not a full because they had just paid approximately {$900.00} plus dollars to the two counties for my properties taxes. Where is the other monies that I paid? I was told an Escrow Analysis would be done with a completion date of XXXX XX/XX/XXXX, but one was not done. I proceeded to call again on the XXXX XX/XX/XXXX, speaking with XXXX ( ID number XXXX ) and told that an escrow analysis was not done, but that she would submit one. I also spoke with XXXX in the Property Tax Division. I told XXXX it shouldn't be this hard to get my account taken care of. She said Unfortunately it is.My husband proceeded to call after the XXXX and was also told something was being done. Nothing again. I called ad spoke with XXXX from Customer Service asking how I can get my property taxes removed from my Escrow and she stated that I would have to wait a year since its a VA loan before it could be removed. I called on XXXX XXXX and asked to speak to a manager. I was put on the phone with XXXX in the Property Tax Division. She stated that my letter stating that I am 100 % exempt from property taxes and she said that letter wasn't good enough that I would need a letter from both counties saying that I'm paying {$0.00} dollars. I called XXXX XXXX and they stated that they don't write letters like that only that a veteran is 100 % and exempt from property taxes. XXXX XXXX is sending me a letter even though its the same property ID. I called back to the Freedom Mortgage Company to let them know what the counties said. I spoke with XXXX in the Property Tax Department. She said a case would be reopened and that Freedom Mortgage researchers would contact the two property tax offices to verify my tax exemption status and would be complete by XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Newrez LLC/ NEWREZ LLC c/o SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, XXXX  XXXX SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Property Address : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX It has come to our attention that SHELLPOINT MORTGAGE SERVICING XXXX XXXX, SHELLPOINT MORTGAGE SERVICING, Newrez LLC/ NEWREZ LLC is our new debtor ( s ) as of XX/XX/XXXX in the year XXXX? 

Hello, we are your new XXXX XXXX XXXX. Although, the company/companies have only purchased a piece of paper called a ( Title ) and not our property due to we, the living and breathing man and woman living in the land and soil jurisdiction of, The United States of America , unincorporated and having paid our property at the closing of the day on XX/XX/XXXX in the year XXXX with the extraction of our credit in return for our property at, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also taking 10 times the amount of our loan to loan to others. We have the promissory note that states it is our property. Apparently, this was not disclosed to SHELLPOINT MORTGAGE SERVICING XXXX XXXX, SHELLPOINT MORTGAGE SERVICING, Newrez LLC/ NEWREZ LLC for your piece of paper ( Title ) in exchange for your payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute letters of XX/XX/2023. I told the credit bureaus to investigate every piece of on the accounts I have listed below also I have attached the original dispute letters I sent out as well as the tracking numbers. In accordance with the fair credit reporting act. They stated my accounts were verified how is this possible, if they did not do a proper investigation according to the law on my account, and which I have circled many inconsistencies and inaccuracies on my report from different account numbers, listed dates, balances term, months, and less reported dates that you can see. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is grounds under the law for immediate removal! I have attached pictures of my updated monthly report according to the law everything has to be 100 % accurate, it is not. Also, they have my sisters name on my report. How could they have possibly done a thorough investigation? 

Account name- XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX  Account number XXXX Account name - XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name - XXXX XXXXXXXX XXXX Account number XXXX Tracking numbers- # 1 ) XXXX XXXX XXXX XXXX XXXX XXXX # 2 ) 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. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if 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

On XX/XX/2022, I sent CHRYSLER CAP a notice of unauthorized inquiry that has caused damage to my credit file. By law CHRYSLER CAP had 10 days to respond to my notice showing proof they were given written consent by me to access my credit file which they have not. They are now in default and are continuing to violate my right to privacy as well as my federally protected rights as a consumer. I do not give CHRYSLER CAP any consent to access my credit for any reason. I have also filed an identity theft report for their unlawful behavior
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX loan reported as charge off on credit report. The account should read as paid derogatory, because I reached a settlement agreement with their contracted debt collection company ( XXXX XXXX XXXX ) to pay a total of {$1500.00} to settle the debt. I paid the debt in two payments and company has refused to provide me with settlement papers and report my account to the credit reporting agency as Paid derogatory. I have contacted them over 15 times, but have not been able to resolve. Additionally, loan balance and interest are close to the same amount, making me wonder if interest paid and loan payments are more than a military member should have paid, especially after they repossessed the vehicle I had to pay to get the vehicle repaired twice. Additionally, credit reports still show balance and should read {$0.00} balance account settled and paid and/or paid derogatory.
Product: Credit reporting or other personal consumer reports

Recently by checking my credit report, I noticed that I have become a victim of identity and I found numerous credit inquiries I have no knowledge of ; Here are the inquiries I have found : 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: Credit reporting or other personal consumer reports

I am filing this urgent complaint regarding fraudulent charges and accounts that have appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. The accounts in question, which include the following, were initially removed from my credit report but have since been re-reported without proper notification : XXXX XXXX XXXX. Theis accounts were reinstated without notifying me within the required XXXX window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ). This constitutes a clear violation of my consumer rights. Furthermore, these accounts have different open dates and inconsistent information across the various credit bureaus, suggesting significant inaccuracies and further misconduct. The failure to notify me of the re-reporting, combined with the furnishing of inaccurate information, is illegal under multiple provisions of federal law, including but not limited to : 15 U.S.C. 1681 ( Fair Credit Reporting Act ), which ensures accuracy and fairness in credit reporting ; 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of inaccurate information to credit reporting agencies ; and 15 U.S.C. 1692g, which requires timely and adequate validation of debts. Despite my good-faith efforts to resolve this matter directly, I have been met with negligence and non-compliance on the part of the creditors and credit bureaus. These unlawful actions have caused me significant harm, including damage to my creditworthiness and undue stress. I demand the immediate removal and permanent blocking of these fraudulent accounts from my credit report. Additionally, I demand a full investigation into the practices of both the creditors and the credit reporting agencies involved in this matter. If these demands are not promptly addressed, I will pursue legal action against all parties involved for their failure to comply with federal law and protect my consumer rights. I will seek all available remedies, including statutory damages, punitive damages, and attorneys fees. Thank you for your immediate attention to this matter. I expect a prompt response to this complaint, the removal and blocking of the fraudulent accounts, and resolution of these issues within the timelines prescribed by federal law. Sincerely,