23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company, XXXX serviced by Nationstar Mortgage LLC continues to misapply my monthly payments. 

I have always paid my mortgage payment twice a month. This service provider recently purchased my servicing rights and sends me a past due notice every month stating that they have n't received my payment. After I call, they then find my XXXX payments and apply these to the mortgage. Every month I 'm told it has been corrected and wo n't happen again. I 'm tired of this run around. I believe this is a violation of the Prompt Payment section of the Dodd Frank act. 

This monthly call is a nuisance. My fear is that I 'm going to forget to call XXXX month and Nationstar will report negatively to the credit reporting agencies. Also, I 'm unsure that my payments are actually being processed correctly since I have not received a statement showing payments applied since Nationstar took over servicing rights.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a {$100.00} XXXX XXXX  card from XXXX  in XXXX, Virginia. When I got home to activate the card, it didn't work. I called the number on the XXXX XXXX card and was informed they proactive shut down the card due to suspected fraud. I gave them my information on XX/XX/XXXX to send a replacement card, which they claimed would be shipped immediately and arrive in a few weeks. 

As of XX/XX/XXXX, I have still not received my replacement card. I tried calling back several times today only for customer service to continually hang up on me. I can not reach anyone to resolve my issue, and I have no confirmation a replacement card is actually being sent.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate credit reporting by Equifax and Experian. The account identified above was charged off as of XX/XX/year>2024. However, both Equifax and Experian have continued to report this account as currently late each month. This ongoing misreporting is inaccurate and misleading. 

The Fair Credit Reporting Act ( XXXX  ) requires credit reporting agencies to maintain accurate and truthful information. Once an account has been charged off, it can not continue to accrue late payments. Despite multiple attempts to resolve this issue through direct disputes with Equifax and Experian, the incorrect entries have not been removed or corrected. 

Requested Resolution : I am requesting that the Consumer Financial Protection Bureau ( XXXX  ) investigate this matter and require both Equifax and Experian to remove the inaccurate late payment entries from my credit report immediately. If this issue is not resolved, I will pursue legal remedies, including statutory damages of {$1000.00} for each month of inaccurate reporting since XX/XX/year>.
Product: Debt collection

XXXX XXXX and their collection agency, RMS, have sent multiple demands for repayment of monies properly paid to us for consumer healthcare services. They have ignored our multiple written demands that they validate this debt and explain why they think payment is owed. Please see the attached document, which is my most recent letter as well as previous correspondence. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only XXXX is XXXX XXXX XXXX, XXXX  XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.
Product: Credit card

During our vacation in XXXX 2015 my wife and I were involved in XXXX XXXX XXXX XXXX XXXX scam that included opening XXXX RCI Elite World MasterCard. Realizing our mistake, we cancelled the timeshare within the rescission period, contacted XXXX next day to request the payment to XXXX XXXX XXXX XXXX be stopped, and spoke with Barclay Bank to cancel XXXX our cards. A week later, I received a letter confirming the cancellation but with a balance in the amount of down payment.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and the following accounts are in violation of The Fair Credit Reporting act. I am asking that these inaccuracies be deleted from my reports and updated Immediately. These accounts are not properly validated, and the information is incorrect. Please delete these accounts, I ask when they are deleted that an updated copy of my credit report be mailed to me thank you. 

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

I am an individual who is potentially impacted by the Equifax credit bureau leak. This comes as the result of gross negligence and makes me a risk for identity theft for the coming decades. 

Operating a system that was easily defeated, after storing my name, address, DL #, CC # and SSN in  plain text is not only foolish, but dangerous and willfully negligent. In addition to this, the time delay of notification, as well as the corrupt affect checker is in serious breach of the law.
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. 
XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX XXXX : XXXX, has violated my rights. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I took out a loan with Sun Loan company and paid the balance in full In XXXX 2011 before moving out of the state. In XXXX 2011 they reported it on my credit report as an unpaid charge off. Not once have I received any documentation or phone call stating that I had a remaining balance or that it was being sent to the credit reporting agencies. I have disputed this on my credit reports and it keeps coming back as validated and I have still yet to receive any formal documentation from Sun Loans. I have tried to reach out by phone but when I call the number listed on my credit report it states that it has been disconnected. They are reporting derogatory marks monthly to the credit bureaus and each time the balance is increased. My rights under FDCPA XXXX were violated when they put this on my credit report without ever reaching out to me and not giving me my 30 days to dispute the validity of the debt.
Product: Debt collection

I am filing this complaint against Portfolio RC regarding a collections that has been wrongfully placed on my consumer report. The collection agency has violated multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are outlined below : XXXX. Failure to Provide Notice of Debt : * Under FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a collection agency must send the consumer a written notice of the debt within five days of the initial communication. The notice must include the amount of the debt, the name of the creditor, and a statement of the consumers rights. The collection agency has failed to send me this notice. If proof of notification is to be provided, it must include a copy of the certified mail with a receipt bearing my signature as validation of the notification. 
* 2. Lack of Validation Information : * Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information for any debt they are attempting to collect. Despite my requests, the agency has failed to provide the necessary validation information, yet they have placed the collection on my consumer report. 
3. Denial of Dispute Rights : * According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given the opportunity to dispute the account. The collection agency has not provided me with a chance to dispute the debt, thereby denying me my rights under this regulation.

4. False and Misleading Representation : * The collection agency is using false, misleading, and deceptive means to collect the debt, which is a direct violation of the FDCPA. This includes misrepresenting the amount, status, and legal liability of the debt.

5. Failure to Provide Required Disclosures : * The collection agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) by furnishing information to consumer reporting agencies without providing any and all disclosures required by law. 

Relevant Legal Precedents : XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) : * This case underscores the obligation of furnishers to report accurate information and the consequences of failing to do so. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : * This case highlights the duty of credit reporting agencies to reinvestigate and ensure the accuracy of reported information. 
XXXX. XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) : * This case focuses on the standards for reasonable investigation under the FCRA.
Product: Debt collection

Everyday I get calls from Portfolio Recovery about a credit card account that was closed in 2011. Their claim of owed money and the account information therein, doesn't show at all on my credit reports. I have received calls from XXXX, XXXX, XXXX XXXX XXXX usually 2-3x a day
Product: Checking or savings account

Someone stole my money from my card in XX/XX/2023 and Credit Karma will not give my money back because they say the transaction from XXXX XXXX  and I was transferring money to my self was the same but why would I despute a transaction that I made. I didn't authorize that transaction and also they tried to still money through XXXX but wasn't enough funds in account so they just keep closing my account and not contact me of anything and can't talk to them only through email for which they do not respond back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to submit these documents online regarding this incident on identity theft and I was given an error message from the online team XXXX error XXXX then I was told to call consumer relations to have an update ... then called them and they told me to contact the online support ... so now im upset that I have tried mailing with no success online with no success so now im submitting it this way ... this is regarding the rest of the information that I received regarding the identity theft on my file, .... that I have been going through since XX/XX/2009 but more recently getting more calls on these accounts that were opened as a result of identity theft and a recent one from XXXX XXXX,,,,,, I have been trying to research who could possibly bee doing this .... I can not change my social security number so I really don't know what to do,. I filled out an FTC affidavit from the .gov website with the accounts that are fraudulent .... the bureaus for the most part have removed the fraudulent addresses and some other personal information that was fraudulent these are the accounts that I have also mailed to you about 2 months ago now at the end of XX/XX/XXXX so im trying to get it to you this way since I can't seem to get it to you any other way so I can finally get all this mess straightened out the accounts are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this message because I have disaster in my credit report. I have accounts that are not mine so I do not know how they appeared there however they are not mine. It's IDENTITY THEFT and I beg you to delete them because its not fair that I have damaged score because of identity theft.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased on line lottery tickets on Illinois XXXX XXXX Web site using my XXXX XXXX ( XXXX ) credit card for the amount of {$12.00}. To my surprise this transaction lists as a Cash Equivalent ( cash advance ) on the credit card statement and carries {$12.00} fee ( {$10.00} cash equivalent fee + {$2.00} minimum interest charge fee ) that is 100 % of the charge. Ive called the card and they, with some reluctance after calling a manger, reversed the {$12.00} fee. However, they told me that the problem lays on the lottery side. Ive purchased lottery tickets with other credit cards through the Illinois XXXX XXXX Web site before and never experienced being it a cash advance transaction. Therefore, I called the Illinois XXXX XXXX ( XXXX ) and was told that all credit card transactions are processed as a credit card charge and never as anything else ( cash advance etc. ). Ive called back the card but they insisted that the problem is on the lottery side it is hard to believe as the card benefits from these transactions not the lottery while a purchaser is not aware of a change in transaction type and the fees.
Product: Money transfer, virtual currency, or money service

On XX/XX/16 my employee received a phone call on the business line stating that the person calling was from our electric company XXXX. The caller stated that the power was going to be shut off if we did not pay our balance to them on the phone. My employee/bookeeper then agreed to pay under the assumption we had missed a payment. He then set up a zelle account as the caller and then the caller walked him through a " test '' of sending money and then saying he was cancelling each transaction. Scammer Zelle name is XXXX XXXX XXXX XXXX EXT : XXXX. I will attach each transaction to identify the electric companies name on the transaction. The bank is also not taking responsibility for allowing these large transactions to take place for the first take. There was absolutely no security measure in place on this scam. I received no verification to verify these transactions before the money was taken. I believe my bank is also liable for allowing this. XXXX XXXX XXXX XXXX XXXX XXXX Fraud Department ( XXXX ). 
This should not have been allowed by the bank because my other bank XXXX, has a restriction of {$500.00} on any new Zelle transfer without pre approval.
Product: Credit card

In XXXX I was approved for my first credit card with USAA. Shortly after, I was laid off from my position as a XXXX. I could n't find another job, so I could n't pay my rent. My fianc and I moved in with my parents. USAA sent my debt to a collection agency. In XXXX XXXX I moved to XXXX with help from the XXXX. I was technically a homeless veteran, so they paid the deposit to get my fianc and I in an apartment. I found a job with a temp company and applied for XXXX benefits through the Veterans Affairs. I was advised to do by the XXXX. On XXXX/XXXX/XXXX, I was rated XXXX by the VA. On XXXX/XXXX/XXXX I paid the collection agency holding my debt with USAA {$1700.00} with my new military XXXX income. That {$1700.00} is the " Settlement Amount ''. Thats what I agreed to and there was never any mention of any remaining balance. Since I made the settlement payment I have n't received any correspondence at all, or notice of any remaining balance. This account does n't even exist according to my USAA profile. In fact, USAA required me to pay the debt collection agency before I could obtain my car insurance back with them. The fact that I have car insurance with USAA now is proof that I have satisfied this debt with USAA. I recently found out about this while they were helping me with an unrelated matter. Two times I tried calling them for information and both times the department that I need to speak to is conveniently unreachable after waiting on hold for an hour. On XXXX/XXXX/XXXX I found out this account has been reported to all XXXX credit bureaus for the past year or so, and I never even knew it existed. If I did, I would 've paid it. I 've been wondering why my credit score refuses to go up. My fianc and I have been going without to pay our debts with the sole intention of increasing our credit scores. We want to buy a home and start our family. I do n't believe I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I applied for XXXX XXXX credit card. XXXX XXXX sent me a paper with my interest rate based on my credit score. It used TransUnion credit score of XXXX in FICO Credit Score range. XXXX XXXX explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with Transunion and it was 807 ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with transunion credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted Transunion through phone ( no other options are available ). I was told that they only have access to my today 's credit score and they can not give me any information about capital one inquiry. To summarize I want request Transunion to release my credit score ( that was reported to XXXX XXXX on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want Transunion to report my updated score to the XXXX XXXX.
Product: Mortgage

I applied for a loan modification aproximately a year and a half ago. Citibank continually denies the loan modification. The reason Citi mortgage denies my loan modification, is because my income is unverified according to Citibank. My concern is that continually resubmit my application and I receive a vague answer from the company. I do not feel that Citibank is being cooperative with allowing to fix the problem. If there is a problem with the part of financial aspect of the application, I need them to be direct about problem. I continually go over the paper work and resubmit it. I have attempted to contact them and trouble shoot. I hired an attorney to speak on my behalf. XXXX XXXX has tried to get clarification. In addition, he feels like Citibank is being very vague with him. Also, I am working with XXXX. XXXX contacted Citibank to find where the errors are being made. They have not heard back from Citibank. The last response from Citibank is that the underwriter is on vacation. I do not feel that Citibank is being helpful. I am not trying to be fraudulent with Citibank in any way. My only going is to ave my largest investment. I have desire to file bankruptcy. If I do not qualify for the program based on the numbers, Citibank should be direct with me. Truly that is all I want. If I have to file bankruptcy as a last option, that is what I will do. Please assist me with getting a direct response from Citibank. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In early 2016 I contacted Upstate Collection Center for an amount due on an account I had with the bank. The bank told me they sold the account to them. I spoke to a lady named XXXX XXXX who was in charge of the account. I informed her that I wanted to settle the account and if they would take {$1500.00} to settle. She told me call me tomorrow and I will see if the bank will take that amount, which I found weird because the bank told me that they sold the account to them. When I called her the next day she said we can settle for XXXX that is what the bank is asking for. I told her ok let me see if I can get the rest. The car in question got into an accident and was total. I went to the bank reported the incident and they advised me to call upstate collection center pay the amount we agreed upon to get the lien off the car. I called XXXX XXXX and asked her if the settlement amount was still the same XXXX, she responded yes so I told her that a gentleman named XXXX was going to call her on Friday and pay the XXXX. She stated fine not a problem. On Wednesday the insurance company called to resolve the issue and another lady answered the phone and stated that I was being billed the full amount because I did not tell her that the car was total. I said your just the collection agency collecting a debt, not the bank, the bank is the lien holder not them. I asked to speak to XXXX XXXX and she refused. I told her that we made a settlement agreement and the insurance company was going to pay them and she stated well since they are paying this is the way it is we are charging them the full amount. I told her 4 days ago I was paying and it was XXXX, her response was too bad that 's how it is like it or not. If you want the lien off you have to pay the full amount. This whole conversation taking place while XXXX was on the phone, they were shocked, I was shocked and beside myself. XXXX decided to put the account on hold until they come to terms with the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 800loanmartXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 




In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.