23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The company in question is newRez, c/o Shellpoint mortgage servicing XXXX XXXX XXXX XXXX XXXX XXXXXXXX California XXXX XXXX There is another address they have, XXXX XXXX XXXX, XXXX, Texas XXXX phone number XXXX. 

First off, we have only had to make XXXX payments, first XXXX was due XX/XX/XXXX, sent that XXXX in XXXX days early, they never posted. I called and asked about it they said I sent it to the wrong address which was the XXXX, Texas XXXX, they gave me the new address, which is on my welcome letter, which I received after I sent the first payment and told me I need to send it to the address of city of industry California, Just FYI my statement in bold letters say DO NOT send it to the XXXX address on my statement says do not send mail or payment to this address in bold letters. 

Now new payment for principal only went out 13 days ago I sent a check of {$5000.00} to them for principal only, they have yet to post it yet to show it on my account. Then XXXX days ago I sent another check of {$2000.00} to them for the payment which is over the payment amount, but the other XXXX dollars needs to be put towards my principal. As of yet they have not posted or shown they received them, reached out to them today. They told me it's my fault because I sent it to the wrong address that is on my statement and I am to send it to the XXXX, Texas address, and so therefore my payments are delayed. I have proved to them it says on my paperwork not to send it to that address but to the city of industry address, they are rude and only like to play the blame game. They will not send me to a supervisor, they would not help me with any of it. They told me I had to send proof I even sent the checks out, which I did. I am not gon na have my credit messed up because these people do not know how to get their stuff together and get payments posted in a timely manner. And then go to charge me a late charge and mess my credit up because of their mistakes. I understand now why on XXXX they have an absolutely horrible rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Account with Edfinancial was paid off on XX/XX/2023. As of today 's date, XX/XX/2023, Edfinancial is refusing to report my loan status as PAID. Approximately {$11000.00} in XXXX XXXX has been paid, and they are still showing up on my credit report. I have contacted XXXX various times to let them know that they have not correctly reported my information to the Credit Bureau. They are refusing to give me additional information or cooperate with reporting my information properly. I have proof and documentation in writing with a mailed letter stating that all loans are paid, but this is as much as I have gotten.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX USE Per FCRA as a federally protected consumer. All information on my credit report must be in line with other consumer reports.

The above account is not reported accurately on my report.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

XXXX XXXX Loan # XXXX Loan SubServicer - LoanCare LoanCare LLC XXXX XXXX XXXX XXXX XXXX, VA XXXX Complaint : LoanCare has put my account in delinquency without informing me. LoanCare is preventing me from getting accurate information about my account. 

I have missed NO PAYMENTS! 

LoanCare keeps sending me letters every month that I have missed payments ( which is untrue ). I have Certified Letter Receipts/USPS MoneyOrders Stubs fro every payment showing it was Signed for/received by LoanCare & money orders were cashed. I keep sending them certified letter disputing their claims. Attached copies of their letters. 

Attachments : LoanCare Default Letters - 6 months LoanCare Confirmation Letter - Illegal increase of loan amount Example of my dispute letter - Qualified Written Request - Not Answered as required by Law Proof Of My XX/XX/XXXX/XX/XX/XXXX Payments. I have proof of all payments made. 


When I try to access my account on LoanCare website - www.myloancare.com, I am unable to create my account ( error your information does not match records XXXX. 

I have tried numerous times to call them on phone # XXXX, I have been put on hold each & every time ( 42 minutes/37 minutes/28 minutes/31 minutes ) &  very often the call is disconnected! 

I was finally able to get a call back on XX/XX/XXXX. But the agent declined to give me any information. She asked that I call back & get transferred to the Deliquency Department. She can not help me. ( Agent ID XXXX-Name XXXX - XXXX XXXX XX/XX/XXXX ). 

I can not find out whats happening to my account & I have been unable to get any information from LoanCare!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

ACCORDING TO THE CURRENT FEDERAL CONSUMER ACT, 15 USC 6802 ( 1 ) ( A ) ( B ) ( C ), I DEMAND R & B CORPROATION/ CREDIT CONTROL CORPORATION UNDER FEDERAL LAW AND US CONGRESS TO REMOVE ALL ILLEGAL, FRAUDULENT REPORTING TO MY CONSUMER REPORT AND I DEMAND R & B CORPORATION/ CONTROL CORPORATION TO ACT IMMEDIATELY OR YOU WILL BE SUED IN A COURT OF LAW FOR VIOLATING MY FEDERAL CONSUMER RIGHTS ALSO, ACCORDING TO R & B CORPORATION/ CREDIT CONTROL CORPROATION CONSUMER # XXXX XXXXXXXX R & B CORPORATION / CREDIT CONTROL CORPORATION IS NOT LEGALLY ABLE TO COLLECT DEBT IN THE STATE OF VIRGINIA
Product: Credit reporting or other personal consumer reports

I was never late on the accounts that are listed below along with date please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my consumer report. If you cant supply the previous request please correct status to " paid as agreed/current ''. XXXX. XXXX XXXX ( XXXX ) - XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$4100.00} XXXX  XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX my daughter moved out of her apartment at XXXX XXXX XXXX XX/XX/XXXX the company billed and withdrew the monthly rent amount from my bank account of {$470.00} for the month of XXXX even though it should have been prorated because the lease ended XX/XX/XXXX. The invoice attached states the billing period was for XX/XX/XXXX through XX/XX/XXXX. My daughter did move out on XX/XX/XXXX however it was after XXXX XXXX so the charged her {$150.00} holdover fee. I paid a full month rent and they have sent my account to collections. If I paid rent for the entire month of XXXX how am I being charged a holdover fee. The rent should have been prorated or the holdover fee should not apply. Myself and my daughter has tried to contact the office but it will only allow you to leave a message and they will not return our calls to discuss the matter. Today we received another notice dated XX/XX/XXXX request payment. I spoke with the collection agency and informed them that I disagreed with the amount owed. He stated that they did not deal in itemized billing and I would need to contact XXXX who I have attempted to contact 8 times since XX/XX/XXXX and have been unsuccessful. In addition they charged {$120.00} to paint a wall that had no damage they was only normal wear and tear.
Product: Vehicle loan or lease

I Been Trying To Communicate With AutoNow Financial About Catching Up My Car Payments I Went To Work Today On My Day Off I Come Outside And My Vehicle Is Gone I Called They Laughed On The Phone They Wouldn't Tell Me Where My Vehicle Was I Have Rent To Pay If You Look At My Account I Have Been Paying My Car Payments I Don't Think They Have Been Applying My Money To My Account Now They Only Giving Me 10 Days To Get My Vehicle Back I Owe {$1200.00} Which I Don't Understand How It Came Out To Be {$1300.00} XXXX XXXX Came To Pick Up My Car At The XXXX XXXX Where I Work I Never Received A Notice In The Mail Saying They Where Going To Repose My Vehicle I Feel Betrayed I Have XXXX XXXX Uniforms In My Vehicle I Have My Insurance In There My Utility Bill My XXXX My Hair Brush My XXXX XXXX  Bag My XXXX Garage Opens My Keys To My XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Mean I Feel Because I. XXXX With A Nice Vehicle They Feel Like They Can Take My Vehicle Not Thinking About My Rights They Just Do Whatever They Want To Do My Vehicle Has No Damage To It I Know What My Car Looks Like All They Did Was Laugh
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I noticed this item on my credit report one day and so I called California check cashing to inform them that I believe that I must be a victim of identity theft because I never applied for or received a loan from them. They informed me that the account was already sold to a third party debt collector agency.
Product: Payday loan, title loan, or personal loan

The companies I took the loan out with told me that they do n't have my loans in there office. At the time when I took them out I had a source of income. I had someone to file fraudulent income taxes in my name that am still working on. I took  XXXX  out at  XXXX   XXXX  for {$410.00},   XXXX   XXXX   for {$410.00}, and  XXXX   XXXX   XXXX  for {$410.00}, and Express Check Advance for {$410.00}. Am willing do what I can to pay on these loans. All these loans where took out in   XXXX  .
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023. 


The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. Under Rhode Island law, when your contractual obligation to a residence ends the bills become the responsibility of the home owner. Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my mid 30 's with XXXX children and a mother to provide for and I'm still being punished for mistakes I made in my early 20 's. I have paid for many accounts to be deleted. I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. 

Thank you kindly for reading.
Product: Checking or savings account

On XX/XX/18, I logged into my USAA mobile app and noticed several unauthorized transactions that were made in different cities in the state of Texas. I currently reside in XXXX, TX. 

On XX/XX/18, my card was used at a XXXX in XXXX, TX, in the amount of {$1.00}. It was used again, on XX/XX/18, at XXXX XXXX XXXX in XXXX XXXX, TX for {$15.00}, and again at XXXX XXXX XXXX XXXX XXXX in TX for {$16.00} On XX/XX/2018 two purchases were made. 1 ) XXXX XXXX XXXX for {$580.00} 2 ) XXXX  XXXX for {$1000.00}. 

After a " full review '' from USAA, it was determined that the charges are valid. I might add that this process was concluded in one business day. That hardly seems sufficient. 

Furthermore, USAA states the transaction were made close to my home. After personally reviewing, I determined that to be false. The aforementioned transactions occurred well over 200 miles from my home. USAA also cites my USAA mobile app was used while the fraud was in progress. To date, they have been unable to provide me proof. 

Nevertheless, I cooperated fully with USAA and filed a police report. To date, my case with USAA remains closed, and I have been unable to reach anyone. I have left two voicemails at the extension provided, but have heard nary a word. As a consumer, I am not being afforded Zero Liability Fraud Protection. 

Coincidentally, my credit card at another financial instutation was used in XXXX XXXX, OK for {$180.00} on the same date ( s ) as the transaction ( s ) that occurred on my USAA account. I have submitted documentation to the email address USAA provided - XXXX - that went without a response. 

As a result, I am left without a significant sum of money and no clear answer from my bank - so much for protecting the cooperative.
Product: Credit reporting or other personal consumer reports

Consumer requests Method of verification under FCRA XXXX XXXX XXXX  lates payment all documents submitted within 15 day by email or mail if All three CRA refuse I will enforce FCRA B 616.
Product: Credit card or prepaid card

Ive had an Apple credit card which is connected with Goldman-Sachs for 3 years now, and every time that Ive made a payment its been processed within 24 hours. For over the past month now it has taken weeks to process a payment. Currently I have 3 payments that were made to them between XX/XX/XXXX - XXXX and will not be processed until the middle of XXXX! The amount of my money that they currently have on hold is over {$2300.00}. 

I have contacted the company several times via text as they will not give me a phone number, and in every text conversation I am told one silly excuse after another for the reason for the holds. I have heard everything from I made the payment on a weekend to the payment was too large ( {$1000.00} and under ). These seem like ridiculous excuses, and it bothers me when I ask to speak to someone that they say someone will contact me in 10 - 14 days. It is incredibly troubling that I have to wait for a large company like Apple and Goldman-sachs to contact me in 10 -14 days. Also, without knowing when or who is calling me I may not even answer 10 days from now? Then what do I do? It all just seems very silly to me. Something is not right here. 

I also dont understand how I'm expected to pay off a credit card each month when it takes more than two weeks to process a single payment. I would like an answer as to what is going on? Why is this happening all of a sudden? 

I'm very worried that there is more going on in the background, then what they are telling me, which is little to nothing. 

Thanks for your help! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

accordance with the fair credit reporting act account XXXX XXXX XXXX has violate my rights 15 u.s 1681 secction 602 a.states i hace the rights to privacy 15 u.s.c 1681 section 2 : it also States a costumer reporting agency can not furnisha account whiout my written instruccions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX CONTINUE FURNISH FALSE INACCURATE INFORMATION IN REGARDS TO INACCURATE ACCOUNT STATUS ON A COLLECTION ACCOUNT WHICH SHOULD BE CLOSED THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX I ALREADY INFORMED BOTH EQUIFAX AND XXXX OF THE INACCURACIES THEY CONTINUE TO IGNORE IT WHICH IS A VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

THE ACCOUNT STATUS IS INACCURATE SHOULD BE CLOSED OR REMOVED THE DATE OF LAST ACTIVITY IS INACCURATE FALSE REPORTING TWO DIFFERENT DATES CLEARLY NOT 100 PERCENT ACCURATE AS THE LAW STATES ALSO THE CREDIT BUREAS HAD THIS ACCOUNT CLOSED THEN SUDDENLY OPEN PROOF IN THE ATTACHMENTS AND NEVER TOLD ME I NEVER GAVE WRITTEN CONSENT OR AUTHORIZED ANYONE TO FURNISH ON MY REPORT
Product: Checking or savings account

Hello there, XXXX I went to the bank to deposit my paycheck. I am not on direct deposit currently, so in order to receive direct access to my paycheck, I have to manually cash it and deposit it into the ATM. I cashed XXXX checks for a total of {$2100.00}. I went outside and deposited the money into the ATM. The machine was having difficulty in terms of time, it rejected several XXXX dollar bills, I redeposited them again and the sum came up to {$1300.00}. Seeing this as an obvious error, I asked for the cash to be returned and it returned {$1300.00}. This was {$800.00} dollars short of the deposit that was XXXX percent {$2100.00} straight from the bank teller. I immediately called customer service and it was a very robotic and scripted response. With that big of an error, I went inside and asked the bank to shut it down and call for a count. They refused to do so and the response was that they were going to research the incident and that I would not be guaranteed my money back. This is illegal and frustrating and I need help. 

The Incident occurred between XXXX and XXXX pm on XX/XX/2023 at the ATM at the Bank Of America at XXXX XXXX XXXX in XXXX, TN, XXXX. I have called relentlessly because that money is too much to let go and puts me in a compromising position financially. They had a large lack of empathy in dealing with the issue and i need some help with this situation. I have already had to alter weekend plans because of this error. Thank you very much in advance for any help and consideration for this matter. 

XXXX XXXX