23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was with XXXX but due to the recent court ordered restructure to XXXX my loan was transferred to Loan Care, LLC. Based on the paper work I received any payment made after XX/XX/2019 was to be made directly to Loan Care, LLC. As I have explained to Loan Care, LLC I made my XX/XX/2019 Payment on XX/XX/2019 to XXXX because I would be out of town and at that time Loan Care, LLC information was unknown to me. 

On XX/XX/2019 I began to get notices from Loan Care, LLC that I needed to make my XX/XX/2019 payment to avoid late fees and credit reporting. I called immediately the customer service line to Loan Care and spoke with XXXX. XXXX, employee number XXXX, said it was not of Loan Care 's issue because they only take what XXXX gives them and I have 60 days to make my " missed payment ''. Frustrated I asked to speak to a manager at which he told me none were at the office. 

I then went on-line to both XXXX and Loan Care, LLC and emailed customer service attaching my payment history which showed two payments made in XX/XX/XXXX. I got NO response from either Mortgagee. 

On XX/XX/2019 I received mailing from Loan Care, LLC ( XXXX ) stating that " my mortgage is now two months behind. Unbelievable! 

I called immediately the customer service number provided on the letter. I was told this was a Virginia call center. The first customer service rep was a female but she ultimately placed me on hold till the phone disconnected. 

I called back. XXXX answered the phone. I explained to him the entire issue and he again stood by what XXXX had said, " it is not Loan Care 's issue. '' He further stated that XXXX went bankrupt and I needed to make this payment. I could not believe the lack of customer service or attempt to look at my payment history. Which come to find out is all on the Loan Care website! I asked XXXX for a manager but again no managers were on site. He said he could put a note and someone would maybe contact me in an hour or so but they will most likely tell me the same thing. 

I simply can NOT believe what I am hearing and the fact they didn't even try and understand what was going on. 

I looked further at my payment history and realized just before XXXX transference my loan to Loan Care, LLC they applied my entire payment to principal! I looked on Loan Care 's website and sure enough it shows two payment inXX/XX/XXXX with the later being applied solely to principal. CAN THEY NOT SEE THIS????? DO THEY NOT HAVE ANY RESPONSIBILITY TO UNDERSTAND WHAT IS GOING ON???? 

I have mailed a double payment today by check in which I CAN NOT AFFORD TO DO without major sacrifice. I expect that this will be applied correctly and further no credit reporting agency shall receive INCORRECT reporting of mortgage payments being late!!!! 

The WORST CUSTOMER SERVICE! Total Lack of accounting ability. This is uncalled for so many attempts were made to find and correct this error but NO ONE from Loan Care, LLC cared to even try. COMPLETE DISMISSAL. 

A mortgage company should have some sort of diligence to understand each and every loan, ESPECIALLY when the mortgagor is making numerous attempts to correct a situation.
Product: Credit reporting or other personal consumer reports

15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose.

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : Capital One  Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
COMENITY BANK/EXPRESS XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I contacted Citi Bank ( Card holder for the Home Depot ) before XX/XX/2024, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/2024. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. 
THD/ CBNA # XXXX I contacted the Home Depot and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.
Product: Debt collection

XXXX XXXX XXXX out of XXXX Mn. reported a charged off XXXX cell phone on my credit. The cell phone is not and was never my cell number. XXXX is a debt buyer and transferred me Stephens and Michaels and Associates. I informed Stephens and Michaels that the cell number and bill are not mine. The Agent ( XXXX ) told me I need to file a police report. I asked if I filed a police report would that remove this account from my credit. She responded, " I do not know, I do n't have anything to do with credit reporting '' so, I asked what I should do to get this removed from my credit since it is not my account. she said she can validate my debt, by sending me the last couple statements. Unfortunately this does not solve anything. Validating the debt does not help remove a wrong account from my credit. The onus should be on XXXX to prove they legitimately opened this account. they should prove that they verified the social security number prior to opening account. Stephens then referred me back to XXXX. I called XXXX and they refused to speak to me about my credit report. they said I need to speak to Stephens and Michaels. I explained that Stephens and Michaels could help me. I told the woman at XXXX that they put this on their credit an I need them to tell me what I need to remove it and they said " sorry ca n't help u '' and quickly transferred me back to Stephens and Michaels. This is not my account and I want it removed from my credit. XXXX has an " XXXX '' rating with XXXX. they obviously do not care about doing the right thing.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$59000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I pulled my credit report from Experian and noticed an account listed as " Joint Account '' for XXXX XXXX. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with XXXX XXXX. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to Experian asking them to investigate this account because I am sure I never opened the account. Received the Experian response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The closed account reflects a late payment that was never late. The creditor has not removed the late payment nor deleted the account.
Product: Credit card

I contacted Ally on XX/XX/2023 to request a balance letter. I was told that the letter would be faxed. I never received the letter. I called back on the same day to confirm the correct fax number. I was told that I would receive the fax by the end of the next business day on XX/XX/2023. I never received the faxed balance letter. I contacted Ally again and was told that I wouldn't receive the letter by fax as it had been mailed and I will have to wait to receive the letter in the mail. This is unacceptable. This is holding up and could prevent my purchase of a home!!
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. 

List of Unauthorized Inquiries : 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 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/2022 I discovered via XXXX that a new collection had been added to my record. I saw that it was a company I had never heard of but because Im not familiar with all of the collection agencies there are I decided to wait it out and see how I could pay them and what they were collecting on. As of XX/XX/2022 I have still not received any form of communication from the Stark Collection Agency. I attempted to dispute this account in the hopes that the collection agency will verify ownership and give me options to pay. I have visited their website but there is no way to look up my account because I have not been given an account number. I want to resolve this but have not been given the options to do so.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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: Vehicle loan or lease

We entered into a loan with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX to refinance a XXXX XXXX XXXX. We have faithfully made all our payments on-time and have often paid an additional amount using the " Additional Principal '' designation on the payment coupon. Our goal is to pay the loan off early. 

On XXXX XXXX,, 2019, during a review of our account, we noted that the bank had not directed the additional amount to principal, but had applied a portion of it to interest. We have made this additional principal for years. The coupon clearly gives the impression that Principal Only payments are accepted. And for years we have been led to believe we were getting ahead with this loan. 

When we contacted Customer Service, we were told that the bank doesn't accept Additional Principal payments, despite that designation on the payment coupon. We also were told that to make a principal only payment, we would have to submit it in a separate envelope designated " Principal Only. '' We pointed out that the website clearly indicated that we had no payments due and were up-to-date on all our obligations. We believe this bank has intentionally misled us and is in violation of our loan agreement. We believe they have applied thousands of dollars designated for Principal to Interest, in violation of our loan agreement, and the directions we were given by bank personnel. Agents refuse to discuss this issue with us, telling us we have to make a personal trip to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these XXXX 3 XXXX accounts for over 8 months XXXX starting in XXXX of 2018 ) now with each bureau, as well as directly with the creditors in question. They both always claim the accounts and information are verified and valid, but when asked for their method of verification or proof that they are actually conducting an independent investigation, they never give me any information on that. 
1.In all of this time I have only gotten 1 reply from the creditor " US DEPT OF ED '', wherein they stated their claims were valid. When I then pointed out that the information was inaccurate because it was different information with each bureau, I never got a reply from the creditor again, and each bureau just continually told me the info was " verified ''. There has also never been any mention of this account being in dispute on my report, which is an FCRA violation. 
2. This account " XXXX '' also consistently comes back " VERIFIED '' from each bureau with no further info on how. Each bureau has different information listed for this account and upon pointing that out, the info never changes when they reply it's verified. This account also has never been listed as " disputed '' which is an FCRA violation. 
3. The account " DEPT OF ED/XXXX '' XXXX 3 accounts ) has also been disputed multiple times for report info that is different across each bureau. This account was never marked as disputed on my report. Also for the name that is listed on my report is " DEPT OF ED/XXXX '' when the company 's actual name is XXXX, XXXX as if to insinuate they have some affiliation with the US Department of Education which is also a violation. 
4. I have reached out many times to each credit bureau and the debt collector " XXXX XXXX '' trying to get a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Every time they tell me the account is valid and their proof is what looks to be a transaction history that I don't recognize on an account with a company other than theirs. XXXX photos will be attached XXXX 5. I have reached out many times to each credit bureau and the debt collector " XXXX XXXX XXXX  '' trying to get a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Every time they tell me the account is valid and their proof is what looks to be a private lease agreement from a company other than theirs containing my ( redacted XXXX personal information. XXXX photos will be attached ) 6. " XXXX XXXX  '' This account has been " VERIFIED '' as accurate, even though each bureau has reported different account status such as charged-off and open. I have also requested multiple times for a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Each time they only send me a screenshot of a write-off amount from another company with no evidence tying me to their company. ( photos attached )
Product: Credit reporting or other personal consumer reports

Account information is fraud. I reported to company account was open in my name while under XXXX  XXXX XXXX XXXXXXXX  XXXX/1692d, provides that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. More specifically, 1692d prohibits [ c ] ausing a telephone to ring or engaging any person in telephone conversation repeatedly.
Product: Credit card or prepaid card

In XX/XX/2029 I Ourchased clothing from a company paid {$430.00} The clothes arrived made cheaply and poor quality runs small / XXXX size Talked to seller and mailed items back as requested and got a tracking number. Informed ciiti card I mailed the items back. Gave Citi the tracking info Since XXXX to XXXX I have called and spoke to disputed given them info abt tracking mailed items to seller and Citi card has now closed my case and DID NOT refund my {$430.00}!! So I hav no products and no money!! Since Covid I can not reach anyone and the phone calls will not go through! I have emailed them no answers from Citi! I need my money refunded Citi credit card disputes XXXX Im so disappointed do not feel protected and will be closing Citi card the customer service is the worst I really need help getting my money back!! In 35 years I have never had such bad customer service with any credit card!! Thanks
Product: Mortgage

On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX for the amount of {$420000.00}. The Note and Deed of Trust, naming XXXX XXXX XXXX XXXX, as the Lender, and XXXX as the grantee, or beneficiary, of record acting solely as nominee for same. Sometime thereafter, Nationstar Mortgage , LLC began to service my loan. After Nationstar became the servicer of my loan, the account was not being properly serviced because payments I had made were not being properly credited to my mortgage loan account and unauthorized fees were being charged to me. Accordingly, on numerous occasions I tried, but without any success, to get an explanation from Nationstar concerning the inaccurate debits and unauthorized fees charged to my loan account. To this end, on XXXX XXXX, XXXX, I forwarded to Nationstar, a Qualified Written Requests ( QWRs ), requesting that Nationstar provide, me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of their response to the letter. ) Again, I have reason to believe that my loan account had been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account and that I would further along in the reduction of mu debt had I received all credits for the money I had paid on my mortgage loan account. Nationstar did not respond to the QWR, took no responsive action and undertook no investigation into the issue raised by the QWR. As of this complaint, Nationstar has failed address my complaint that my loan account has not been improperly credited and that my loan account has been charged unauthorized fees. Neither has Nationstar provided me a verified accounting of my mortgage loan account.