23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Lending Clubs customer service representatives have misapplied three different payments that I made over the phone to my balance and not the payment due. Each time I have called to make a payment I clearly told the customer service representatives that I was calling to make a monthly payment. They would take the payment and then the following month I found out I was being reported as 30 days deliquent to the credit bureaus. 

The payment system Lending Club has in place is atrocious. I have tried to resolve this with them countless times. The last call I had with a supervisor regarding this back in XXXX I was assured that the late reports would be removed from my account and that in fact I was now a payment ahead and not ever behind. 

The supervisor informed me that they had reviewed the calls and they verified that every time I called to make the payment prior to 30 days late and clearly stated I was making a monthly payment but each time it was not applied that way and I was reported as 30 days late. I am so frustrated with the practices that they have had in place for payments. The supervisor I spoke to in XXXX not only assured me that the late reports would be removed but they also indicated that this was a huge training issue across the board and that Lending Club was in the process of changing the entire way they take payments. 

This is my third loan with Lending Club : I have NEVER had a late payment until my identity was stolen and I had to close the account I made my automatic payments from. In XXXX of 2019, my identity was stolen and my checking and savings account were comprised causing things to overdraft and me eventually have to close the account all together. I contacted Lending Club right away and set up a new account to draft my payment from and was told it was all set. It wasnt until almost XXXX that I realized that the payments werent being taken out and was then told that they couldnt withdraw from a savings ( only after I called ). This was never told to me when I provided the account information. Once I discovered the payments werent being made I made a double payment in XXXX to catch up on the payments as quickly as I could and that is when they began to report me as 30 days late. I began making all of my payments by phone after that and this is when I realized that this was an on-going issue with Lending Club and it was done again in XXXX and XXXX. 

I have written Lending Club letters on in XXXX, XXXX and XXXX. I have spoke for hours on the phone with representatives and supervisors and despite telling me it would be corrected it hasnt and it has been detrimental to my credit.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$6100.00} Date of AccountXXXX
Product: Payday loan, title loan, or personal loan

i was offered a loan of $ XXXX@ 19.47 % but when i applied for it real. it came out {$2600.00} @ 69 %. they ran my credit and got all the bank statements. i want them to remove my hard inquiry on my credit report and report it to credit unions for removal of hard inquiry. thank you
Product: Vehicle loan or lease

I submitted a loan application with Regions Bank on XX/XX/XXXX. I was told everything was approved and they were just waiting on my payoff letter. I submitted that and we closed on XX/XX/XXXX with no mention from anyone that there was a difference in the loan amount and what payoff was. I signed under the impression everything was fine. On XX/XX/XXXX I received a letter from XXXX stating the payoff was short {$1600.00}. I pulled out my loan docs and the docs show the payoff amount being sent to XXXX  as correct but my loan is a different amount. They did not mail the correct amount to XXXX  and why is my loan amount different? My daughter reported the error to XXXX XXXX with Regions Bank in XXXX, the same day, XX/XX/XXXX and she stated the loan would have to be rekeyed and credit pulled again. I know XXXX and honestly believe thats what the underwriters at Regions told her. She would have fixed it if there was a way. I was not okay with them pulling my credit again when it was their error. My daughter then reached out to XXXX XXXX, Operations Mgr, who told my daughter that the branch mgr would call me on XX/XX/XXXX or XX/XX/XXXX at the latest with my options and I have yet to hear anything from them on how they are going to fix their error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account opened XX/XX/XXXX without my consent. Someone used my information to open a credit card account. The account was charged off with a balance of {$620.00} on XX/XX/XXXX. This has affected my credit score for years. After much effort in reaching out to XXXX XXXX XXXX XXXX, XXXX, and Equifax, I have not gotten any results.
Product: Debt collection

In XXXX, I became aware of attempts by Stone Creek Financ

ial Inc. to collect a debt and initiate wage garnishment without proper notification or documentation. I was never served any certified letters or written notices, and any correspondence sent to outdated addresses years ago was marked undeliverable, leaving me unaware of any court proceedings or obligations related to this alleged debt. Since becoming aware of the situation, I have been unable to obtain any verifiable documentation of the debt, such as the original judgment or creditor details. Additionally, Stone Creek Financial has contacted employers I have never worked for, raising serious concerns about their practices and how they gather information. This is unacceptable and constitutes harassment. 

I demand immediate proof of this alleged debt, including the original judgment and all relevant documentation supporting their claim. I will not tolerate any further attempts at garnishment or collection without clear, verifiable evidence. Until such proof is provided, all collection activities, including wage garnishment attempts, must cease. Failure to respond with this documentation will leave me no choice but to take further legal action to address these unlawful practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I have paid in full my loan MERS : XXXX The mortgage in the amount of {$500000.00} has been paid off to XXXX XXXX XXXX, then it was held by XXXX XXXX XXXX XXXX which changed name XXXX XXXX which was purchased by XXXX. But none of above mention companies have issued a letter of satisfaction and mortgage is still recorded. Although XXXX XXXX on XX/XX/XXXX reported to Equifax that the loan was paid and closed. Since the mortgage is still recorded I am not able to close the sale of apartment
Product: Debt collection

I was aggressively pursued by a deputy who came to my place of employment to serve me with papers for Debt owed that I am unaware of or the Debt owed is well beyond the Statues of Limitations for the State of LA ( 3 years ). LNNV Funding is stated as the company owed in the papers received with XXXX XXXX  XXXX collecting the debt on their behalf. 

I have never been contacted or received paperwork in the past to indicate this debt was owed yet I have been humiliated in front of my fellow coworkers by being served by a Deputy I have in the past deputed with XXXX Credit Bureaus the information on my record only to be harassed by the 3rd party collectors who are collecting for these companies. 

The paperwork ask that I ay {$7400.00} plus 5.75 % interest from the Date of Judgment - XX/XX/20 plus 25 % principal and Interest and all court costs subject to a credit of {$0.00}
Product: Debt collection

I was involved in a civil action against a property management company in XXXX, after being denied the amount that they tried to sue for the company sold a debt to hunterwarfield in my name, no such debt us owed. I was made aware of this when I tried to buy a home in XXXX as my application was denied due to the company reporting that I owe some XXXX dollars. I disputed with credit agencies as well as called hunterwarfield. The person I spoke to told me I had to prove the debt was not legitimate, which is the opposite of the law, however I sent the court records to hunterwarfield as well as the credit agencies. Hunterwarfield replied to the credit agencies claiming that the debt they are reporting is a different debt. Warfield has refused to obey the law, I was forced to change my number after talking to them because I instantly began receiving robocalls calls as well as a man calling claiming that he worked for the government and was trying to serve me a warrant for arrest but that I could pay warfield to quash the warrant. This behavior is uncalled for and illegal, when you add the fact that I do not owe them money it becomes even more appalling. This company has tanked my credit score and is costing me thousands a year while preventing me from buying a home with their illegal behavior.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted Experian. 

Please delete the following accounts. 

XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not updated my XXXXXXXX XXXX XXXX payment history or balance since XX/XX/2022. The other two credit bureaus are updated to XX/XX/2022 information. This is possible effecting my credit score because the credit availability is incorrect.
Product: Credit reporting or other personal consumer reports

My driving record got an accident that someone in my house had and now I pay more for car insurance.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiry by Your Company placed on my Credit Reports While checking my personal credit report, I noticed an inquiry was placed on my report made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Mortgage

SLS sat on our complaint for over XXXX weeks invoking our right to have our prepaid PMI removed and refunded, and pretends that we never provided them a list of significant improvements to the property even though we specifically emailed them about these significant improvements on XX/XX/22 and enclosed these improvements in our original complaint XXXX. We are again attaching that original email. 

To be clear, yet again, we replaced every single window in this property with energy efficient XXXX XXXX models. In addition, we installed a heat pump water heater, replaced our washer, dryer, refrigerator and dishwasher with XXXX XXXX models. These are on their face substantial improvements that meet the threshold of energy efficiency improvements, and the property 's value has definitely met the threshold of 80 percent XXXX. We are also attaching the original non-responsive SLS response.
Product: Debt collection

I was contacted by my place of employment yesterday, XX/XX/year>XXXX  at approximately XXXX, which is a County Government Coroner 's Office . In was informed that a " XXXX XXXX '' from NCB Management Services called the office numerous times to attempt to collect a debt from me and request my private information from my employer, and she also provided my employer with private information of mine as well as identified herself as a debt collector without verifying it was me she was speaking with. I was told I needed to make sure this did not happen again as it was not the first time, she had been told to stop in the past, and it is inappropriate and could cost me my job due to the nature of my career and the absolute necessity for our phone lines to be available at all costs for people actually experiencing an emergency. I assured them it would be taken care of immediately. 
I called the number XXXX XXXX left with the office at approximately XXXX and spoke directly with XXXX XXXX XXXX as she confirmed her name as " XXXX XXXX XXXX '' After I gave her my name, she immediately began asking for personal information and I told her I first needed to know why she decided to contact my employer. XXXX XXXX told me that was the only form of contact they had on file for me. This is untrue as I had recently requested a payment history from them and information of what the debt I had supposedly stopped making payments on via payment plan was even for/where it came from, as I have no records of payments or agreements, and had received a collection letter from them in the mail previously as well as emails from them. I received the requested information from them a few days ago via mail showing they do in fact have other ways to contact me, and my information can be obtained in other ways than calling my government employer. The piece of mail I received from NBC Management Services was apparently drafted on " XXXX '' according to the date listed right on the letter. It did not inform me what the debt was for, but showed that it had been purchased from " XXXX XXXX  and XXXX. '' XXXX XXXX was dismissive of my issue with her contacting my employer and insisted she had every right to do so. She then continued to cut me off and try to get more personal information from me and claimed if I didn't answer her questions, more issues could come from it. I finally told her I would now be filing a complaint and hung up.
Product: Student loan

I am not convinced that my payments were applied with the correct effective date. Mohela changed platforms in XXXX and is unable to provide a previous payment history for the loans. I would like a full payment history from the time Mohela started servicing my loans to the current day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect foreclosure reporting dates, and incorrect reporting of a late payment on an account that does not belong to me, Carrington mortgage services llc reporting to credit bureau, that I was late on a mortgage payment in XXXX, for a property I have'nt owned since XXXX, error still comming up on credit report in XXXX, I have the sheriff sale document, dated XX/XX/XXXX proof that, I could not have owned the property in XXXX, or XXXX, nor could I have been late on a property that idont own, when I contacted them about the issue they said there was nothing that they could do
Product: Credit card or prepaid card

Since the start of the pandemic unemployment claim, that my son 's father made before he asked my permission, I was awarded and retrieved the card from XXXX, who is my common law husband. I finally got the edd debit card, and it had almost XXXX. Within the first couple days all was fine, until I accidently lost the card. By the time I was able to report it missing the bank of america, who is responsible for all of the money being stolen. I received close to XXXX, according to the edd. Out of that I spent XXXX. So the rest of the money was electronically stolen by the bank at the same times I had my card. I have the bank statements that clearly show all the transaction history. I've made hundreds of complaints to the bank. They are identity theifs themselves at the customer service. And money laundering too. Liars and dishonest and fake ethics and compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got letter back stating They do NOT report any bankruptcies to anybody. So if thats the case .How did the credit bureaus verify my bankruptcies as 100 % Accurate they never did a Fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) States ; The term investigative consumer report through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to :15 U.S.C 1681 Section 602 A. States I have right to privacy According to :15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions According to :15 U.S.C 1681 1s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Mortgage

We have requested a loan Payoff from the Servicer of the loan, as requested by those who are helping us. That Payoff amount has been received as of date. The people who are helping had asked also for the loan document, which was the Promissory Note. We sent them the exact same copy that was provided to us from the debt owner. The requestor wanted to see the original terms of the loan, with the intent to possible negotiate a settlement amount on the balance if possible. Sometime after receiving the Promissory Note we were told that the main terms of the Note was missing, or not assigned to the paperwork we provided and this may explain the blurred page that I've asked about before. We had mentioned that we were made aware that something was wrong with the Promissory Note several times over but were never told what the problem was. Only to not sign the loan modification because it would fix the problem. We're also told that the alterations on the stamp section of the page, if not there when we signed the Promissory Note, to include the blurred page and missing TERMS, would need to have our assent to make the document not being VOID. They mentioned other stuff, but what is really important is to know where the terms are and why are they not showing on the document. They ask for the following : Interest rate -- Payment Amount -- Maturity date -- Due date -- Number of years term. Two other things I'm not able to make out, but one looks like Promise to pay. Please examine the attached copy as to verify that it's the same received. I've copied a part of an article they shared with me from a recent case overturned in Maryland this past summer. 

" The Court of Special Appeals was particularly concerned that the lender did not comply with Maryland Rule 14-207 ( a ) ( 1 ), which requires a certification that the loan documents filed with the order to docket suit are true and accurate copies. Instead, the papers appended to the order to docket suit were alterations. 

Further, the court noted that foreclosure proceedings are equitable in nature and that courts of equity require that litigants have clean hands. Because the court found that the lender in this case did not meet that standard, the Court of Special Appeals reversed the order of the circuit court '' Hopefully this would be our last request