23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Initial contact was made on XX/XX/2022 with XXXX XXXX  Had shopped around for HELOCs and different minimum requirements and closing dates. Proceeded with lower.com because was told could close within 30 days when other companies notified us it would be 45-60. After 45 days attempted to reach loan officer via email and voicemail and did not receive returned call or email for 2 weeks after I left a voicemail for management. That is when we were notified it would be 120 days likely to close. No one contacted us back until they needed a few more things to finalize loan. We were then contacted to set up closing. None of the settlement documents were provided to us nor a loan amortization schedule prior to closing. At closing we were presented with a loan including closing costs that were not previously discussed. We were not provided current rates that were applicable. There was a daily interest rate of $ XXXX with no breakdown or explanation of charges. We have refused to sign closing due to failures in communication during process that we feel would have prompted us to withdraw application sooner. I have all communication in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following items will be repaired as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

XXXX, Equifax and XXXX  allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Late Payments on XXXX XXXX Account # XXXX I am writing to formally dispute the late payments reported on my XXXX  XXXX  Account # XXXX as listed on my Experian credit report. These late payments are incorrect, as I was never late on this account.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report, and you are required to investigate and correct any inaccuracies. Furthermore, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide only accurate information to consumer reporting agencies.

Experian has failed to validate this information as accurate, and until it is properly verified, it should not be reported as late. I demand that the inaccurate late payment entries be removed from my credit report immediately, as they are damaging my credit profile. 

Please confirm the removal of these late payments or provide documentation that verifies the validity of this information. Failure to properly investigate and correct these inaccuracies will result in further action under the FCRA.
Product: Debt collection

I received a call on XXXX, XX/XX/XXXX from a company called Lendumo. I have never heard of that company. 

The caller left a voicemail, so I returned the call. The Lendumo service representative said that I haven't made a payment on a loan that I allegedly took out in XX/XX/2021 in the amount of {$1100.00}, and the loan in question was # XXXX. I informed the service representative that I have never heard of Lendumo, and I did not take out a loan from Lendumo. In fact, I have not taken a loan from anyone or any entity in the amount of {$1100.00}. The service representative indicated that I was a victim of identity theft and instructed me to obtain a police report and email it to XXXX. The service representative told me that I had 7 days to rectify this or the loan in question will be sent to collections. 

That same day, Tues, XX/XX/XXXX, I contacted XXXX XXXX of Police Detective XXXX XXXX and completed a police report. He emailed me the report immediately thereafter. The detective also told me to fill out an identity theft alert with XXXX XXXX, which I did. 

On XXXX XX/XX/XXXX at XXXX, I forwarded that police report to XXXX. 

On XXXX, XX/XX/XXXX at XXXX, I received an email from Lendumo stating that I need to fill out a police report and complete a fraud affidavit online. The sender stated to XXXX " fraud affidavit, '' and complete it online. I promptly responded at XXXX on XXXX, XX/XX/XXXX and alerted the sender from Lendumo that I already sent the police report the previous day on XX/XX/XXXX. I also asked for further clarification on which " fraud affidavit '' to complete because a XXXX search of that term yield many results ranging from private law firms to state websites to the IRS. 

On Fri, XX/XX/XXXX at XXXX, I responded again to the Weds, XX/XX/XXXX XXXX asking for an update and reminding them that I already sent the police report. I emailed again at XXXX and attached the police report because I don't want this to have a negative impact on my credit score. I emailed again at XXXX to check-in on the status because I still had not heard back. 

Also on Fri, XX/XX/XXXX at XXXX, I received a text message from Lendumo that my account was being sent to collections. 

On Sat, XX/XX/XXXX at XXXX, I emailed again because I still did not receive a response that Lendumo had received the police report I filed. 

On Sun, XX/XX/XXXX at XXXX, I emailed again because I still did not receive a response that Lendumo had received the police report I filed. 

Also on Sun, XX/XX/XXXX at XXXX, I received a text from Lendumo that my account was in collections. 

On Monday, XX/XX/XXXX at XXXX, I received an email from a Lendumo representative that they had no received my police report, despite sending it 2 times already. I responded by re-forwarding the police report for a third time at XXXX. I also took screen shots of the police report and sent that via email at XXXX. This time, I sent both the police report and the screen shots to XXXX and XXXX. 

I don't know what else to do. I have done everything asked, and Lendumo keeps jerking me around. I don't want this on my credit score because it's not my loan.
Product: Credit card or prepaid card

Over the past 2 years, Capital One has refunded 4 late fees and the majority of them have been during the worst of the coronavirus stay-at-home order where I had virtually no income to which I am grateful. But, I made a payment 1 day late due to the fact that I had no money till I got paid today due to losing 2 renters of rooms in my house due to the coronavirus pandemic. Both renters lost their jobs and had to move out leaving me to make a choice between paying some bills a little late or paying essential bills and costs.

I foolishly assumed that Capital One would be considerate of the pandemic, which they know about since their customer service agents are still working from home, and waive the fee. Instead, they offered to make a payment arrangement on a payment that I already made?? After speaking with a customer service agent and a second level agent Capital One would not allow their agents to refund the fee in their computer system. I also tried to do this via an automated help forum and was also denied. The extremely wealthy people that own Capital One bank do not want to refund me this fee regardless of the pandemic that is affecting me to the core! It's shameful that while everyone else suffers the billionaires that run the corporations that we all now like it or not depend on won't even throw consumers a small bone to help!

I need this money back and I need my government to protect me from the billionaires that are runningown these corporations!
Product: Money transfer, virtual currency, or money service

Hello, I created a Paypal account back in XXXX on the XXXX paypal website. I provided my real XXXX details and documents when creating that account, never mentioned XXXX anywhere and never gave any fake information. I even submitted the documents a second time over the XXXX years that were approved by Paypal and they even gave me an established seller account. I am an XXXX XXXXXXXX and I mainly used paypal to receive very little amounts of money from XXXX XXXX XXXX from legit websites, as I had no other option. My account was permanently limited due to wrong country allegations and I waited for XXXX days. Now Paypal is only providing me withdrawal options that are not viable for me at all and nearly impossible. It's impossible for me to get a XXXX or XXXX XXXX account or card and they are not allowing me to link a virtual account. So basically I might never be able to withdraw that money, so they are mocking me in a way by telling me that the money is safe in the account and I can withdraw it whenever i want. When I enquired why they let me create a Paypal account although I entered a XXXX address and details while creating the account back in XXXX. They answered that they give every customer a fair opportunity to create an account. I asked why did they limit my account permanently if that was the case and I'm not even getting a fair opportunity to withdraw my funds now. I'm reaching out because of their mockery and deceptive responses. Besides the messages, I even made a XXXX min call and they didn't give me any solution besides repeating the same thing over and over again. 

Law and jurisdiction doesn't allow me to withdraw my money but it does allow me to create a XXXX paypal account and use it for XXXX  years. Or have their developers forgotten how to code. It's just an obvious trap. 

I complained through XXXX before this and in response Paypal asked me if I have any active Virtual accounts that they can link for me. I gave them the details and haven't received a response for nearly XXXX weeks now. Below is a link where I recorded the entire conversation and screenshots. They are not even responding any more. 

XXXX XXXX XXXX XXXX My Paypal ID : XXXX Looking forward for a resolve, Thank you. 

XXXX.
Product: Debt collection

We we're never made aware of the debt. It was only when the collection hit that we found out. Once we saw this, we tried to call them to pay the debt and they told us it was too late, that it was in collections, even though we were never given the opportunity to pay. We never received a written notification, phone call, or email. Even though they has access to our phone number & emails and could contact us. This has impacted my credit report as it is my first ever collection and overall negative remark. 

INNOVATIVE RECOVERY IN Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX {$800.00} Collection opened XX/XX/2021 XXXX
Product: Debt collection

Received letter from Diversity Adjustment Service Inc. Stating that I owe {$2200.00} from XXXX XXXX I have confirmed with them that I do not have a balance with them regarding this amount. Believe that they are trying to commit fraud again with me once again for the 2ND TIME within a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items to Transunion for six months now, which they have fixed some of my issues. I am a victim of Hurricane Harvey. My credit is very important to me. I called everyone of my creditors right after the storm. They all agreed to postpone my payments to recover from the storm damages. Now months after the storm, Transunion is reporting I have late payments on my credit report when I know I contacted each creditor and arranged an agreement. And also, Transunion is reporting I have missed payments on student loans that are duplicate accounts. All of my school loans have been deferred for years now, because I am XXXX XXXX XXXXl. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.
Product: Credit reporting or other personal consumer reports

DEPT OF EDXXXX XXXX XXXX XXXX XXXX.In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ... In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis are reporting at least 3 bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed Jointly with someone else which clearly is a Violation in Privacy and they are reporting inaccurate information I am am a victim of identity theft and have security freeze on my account about it I have done multiple requests for them to verify the correct information and they have not done so
Product: Debt collection

We were served with a court summons from the lawyer from Outsource Receivables Management on XXXX XXXX XXXX regarding medical bill owed to a XXXX XXXX. We had assumed we settled the debt in XX/XX/XXXX, however, we were informed that the hospital used an independent contractor to perform the XXXX XXXX XXXX XXXX  ... 

We never received any letters from the collection agency that they were trying to collect. The first we heard of the debt was with the court summons. They stated that their only responsibility was to mail the letter, not ensure we get it. Now they are not only going after the debt, but they are threatening to garnish pay to cover court and lawyer expenses that we were never previously told about. 

Even though i have been underemployed for a year, I offered to settle the original debt immediately, but they insisted that legal action is already taken, can't be cancelled, and that they are going after me for 3x what the original debt was.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS XXXX DOB XXXX XXXX I have several unknown addresses and inaccurate fileinformation thatneeds to be updated properly. My current and only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Please delete all other unknown addressesthey are not correct. Te following addresses are not mines : 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 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 Please remove the extra name from mycredit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer thathas integrity. Furnishinformation about accounts or other relationships with aconsumer that is accurate. C- Conduct reasonable investigations of consumerdisputes According to XXXX, inorder to make a lawful report, you must follow theMetro 2 compliance standards. 
Please delete the following account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

2022 I discovered I was the victim of fraud and that my credit information was being used by others. I had approximately {$28000.00} stolen from my bank account and had to close and open a new account. Numerous credit accounts were opened unknown to me, in my name. At the time a relative was living with me and using my credit information, my social security no. and other vital information in my name. I reported that these were not my charges, this was written off by the credit card co. and sold to a XXXX XXXX XXXX. I have requested a police report from the police department in XXXX, PA, and requested assistance from the XXXX XXXX XXXX in XXXX XXXX PA and reached out to the Pennsylvania Attorney General with no help. After months of corresponding with the Area Agency on Aging, they promised they were speaking to Police Dept., Secret Service to track down and then discovered they were no longer assisting. My brother, who was living with me at the time, died XX/XX/2022 and had been using my credit and opening these cards- I believe another party who he met on the internet and I believe was being scammed, was involved and using this information as well ... These are charges I did not make and I am not aware of but can get no help in getting this resolved.
Product: Mortgage

XXXX payment of {$2600.00} was applied to suspense per cooper records. Not to the month of XXXX for that months contractual payment. There is no allocation of principle interest, or escrow ( PI & E ) the amount shows up in unapplied payments. See line 138 This would have been the first months payment after filing XXXX  XXXX. So at this time there was no unaccounted for shortage. 
Then other payments are recorded more go to suspense some make it to PI & E.

5-1 2041.64, 6-14 2041.64, 6-21 2200, 6-22 2037.32, 7-18 2047.74 *557.48 6-21 *** there are other entries many I cant understand why its several pages for just a few months. 
Then XXXX the court ordered {$1500.00} agreed arrears for missed payments. 
Why was {$2600.00} put into suspense only to demand catch up of {$1500.00} there appears to be plenty of payments. 
Why did you apply XXXX payments to XXXX? It seems clear cooper applied my current payments to amounts prepetition months causing the account to look behind constantly when it was not. 
Bounce to line XXXX XX/XX/2022 applied to XXXX XXXX never takes filed months amounts out of a single running balance.
Product: Vehicle loan or lease

On XX/XX/XXXX I did another complaint with Peritus Portfolio Services about the update on my vehicle sale because my car was repo on XX/XX/XXXX due to the lender not properly notifying me that my service was transffered to another company. My car was suppose to be sold on XX/XX/XXXX I did a follow up about the vehicle and was told that the car didnt sell. From the complaint response on XX/XX/XXXX Peritus reply back saying my car was sold on XX/XX/XXXX. I did some research On CFPB website and it states that the lender have to provide me update auction date for the vehicle to give me a chance to buy back the vehicle. But that didnt happen. I been putting complaints with this company since XX/XX/XXXX when my car was repo. I requested several times from the company the transfer of service letter, orignial contract, payment history, and the court order document showing Peritus is legally entitled to collect on my loan. Only thing I got from there is a bill collector letter which is not the same as the transfer of service letter. XXXX XXXX XXXX is out of business so I cant get any verification from my lender about this company.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX XXXXXXXX due to their failure to remove me as an authorized user from a credit card account and their continued reporting of delinquent activity to the credit bureaus under my name. 

Issue Summary I was added as an authorized user on a XXXX XXXX XXXX credit card account. 
On XX/XX/year>, I contacted XXXX XXXX XXXXXXXX customer service and requested to be removed as an authorized user from the account. 
Despite my request, I was never removed from the account. 
The account later became delinquent, and the delinquency is being reported to the credit bureaus under my credit file, negatively affecting my credit score. 
I have made multiple attempts to resolve this issue with XXXX XXXX  XXXX, but they have failed to take action. 
Attempts to Resolve the Issue I contacted XXXX XXXX XXXX customer service on XX/XX/year> my removal request. 
I was either told that my request was processed or that they would investigate, but no action was taken. 
I have disputed the delinquent reporting with the credit bureaus ( XXXX, XXXX, and TransUnion ), but the account remains on my credit report. 
I have provided proof that I was an authorized user and not responsible for the debt, yet the negative reporting continues.
Product: Mortgage

On XX/XX/2022 I made a phone payment to United Wholesale Mortgage for my loan payment of {$1600.00} as they stated they had not received my allotment payment that the military had sent to them. On XX/XX/2022 I made another phone payment as they stated they had not received my allotment payment that the military had sent to them. At this point I was getting harassing 's phone calls from them. Both of these payments were not posted to my mortagage account by United Wholesale Mortgage for unknown reasons noone from their company could seem to help me. My bank statment was showing the money out to them, my military statement was showing payment that way so at this point they had double payments on my end and they were showing no payments on their end. In my frustration I called my daughter to help me as I was seeing the money coming out of my XXXX account and my bank account. At this point my daughter took control. We printed my LES statements and sent them they then " found '' the money from the military and posted that to my account that fixed that. They however can't find my money I paid from the phone payments. We have provided bank statements showing the XXXX payments to their bank, letters from XXXX XXXX all of this documentation and still they are unable to provide the payments to my mortgage or refund the money back to my XXXX XXXX account. At this point they owe me {$3200.00} along with the unnecessary late fees and finance charges they charged my account while they stated I was late when in reality is was them not posting my payments to my account both the phone payments AND the XXXX payments which is {$60.00} which may not be a lot of money to them but to me a XXXX retired veteran on a fixed income it is. Because of the questions my daughter has asked and social media questions she asked because she gets no response from the company they have since sold my loan with no notice and are now holding my XXXX mortgage payment that received from XXXX and not transferring that to XXXX XXXX XXXX Bank even though we have the XXXX statement showing their bank was paid the money. They state they can't find it. That is an additional XXXX that is owed to the new mortgage company. This is how United Wholesale Mortgage treats its XXXX and trying to work with the same person is useless that is absolutely impossible so every time I call in I have to talk with the same person and resend the documents so that person has to research it themselves and get back to me which never happens. I am at a loss and out of money. My daughter is out of money to help me. Please help me get my money back I have proven I paid them my bank records should be enough I don't know which of their customer 's loan has my payments posted to their account but I need my savings back and I need my current lender to get my XXXX payment because of course they are showing me past due.