23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred From XXXX to LoanCare effective XXXX/XXXX/XXXX. I was sent documentation from my previous loan servicer informing me of the transfer as well as LoanCare 's mailing address. I subsequently sent a payment by check to LoanCare 's XXXX. XXXX on XXXX/XXXX/XXXX. 

After noticing on XXXX/XXXX/XXXX that the check had n't cleared, I contacted LoanCare 's customer service department. I was informed to place a stop payment on the check and make my first payment to LoanCare by phone. I was also informed that any fee to process payment by phone would be waived as I am a new customer. I then set up ( with the customer service representative ) an auto draft schedule for my monthly mortgage payments. 

This afternoon ( XXXX/XXXX/XXXX ), as instructed, I contacted my bank and placed a stop pay ( costing me {$30.00} ) on my initial loan payment check. I then called LoanCare to make a payment by phone to find that ( as I have n't been sent any of my loan information ( e.g. account number ) so I could setup and pay from an online account ) I could either pay a {$12.00} processing fee to pay by automated phone service, or a {$15.00} processing fee to speak to a representative and pay. I opted to speak to a person, under the impression the fee would be waived. Once I was connected to the representative, I was informed that, despite what I the previous representative stated, not only was I still subject to processing fees ( thankfully the processing fee was waived ), but that a stop payment would n't ACTUALLY stop the payment on the check. Rather, LoanCare would still try to process the stopped check and I have would be subject tp ( yet another ) fee of {$20.00} for insufficient funds.
In summary, LoanCare 's inability to process a payment in a timely manner and misinformation of it 's staff has potentially cost me an extra {$65.00} on top of my mortgage payment. This is NOT an acceptable way to begin a business relationship. And judging by the many similar scathing reviews online, I 'm not the only unhappy customer. 

How LoanCare can resolve this issue : I respectfully request that LoanCare reimburse me for the stop pay I was instructed ( by a LoanCare representative ) to place on my initial loan payment as well as any subsequent fees and fines I may be subject to pay to my personal bank ( i.e., Insufficient Funds fee ). I also request that any Insufficient Fund fees to be paid to LoanCare by the homeowner be waived.
Product: Mortgage

I 've been a member of Navy Federal Credit Union since XXXX. I bought a house when I was XXXX in XXXX using NFCU in XXXX just before the housing crisis. In XXXX XXXX, I had to go through a short sale because I was being XXXX to XXXX, I had to leave my family with my friends in XXXX and I was having problems finding tenants for our house in XXXX. I explained to NFCU that I want to pursue short sale and can not pay my monthly mortgage starting in XXXX XXXX. NFCU without my authorization, deducted the mortgage payment from my checking account for 6 months while I was XXXX in XXXX and while I was going through the short sale process. I did not authorize this payment and I did n't arrange for any automatic payment from my checking account to go directly to my mortgage account. NFCU transferred funds from my checking account to pay for my mortgage without my approval. This issue caused additional financial hardship to my family while I was XXXX in XXXX. I also want to check if this issue is covered by the recent judgment on NFCU for their illegal credit collection practices. Appreciate your time and assistance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have submitted disputes to XXXX over XXXX times already, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that Experian has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : 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 

I have never worked for XXXX XXXX The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : 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 can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and completely erased my credit history. I need to know how to go about putting all my accounts back on my credit report with all 3 bureaus. Someone has opened a credit monitoring account in my name and is disputing accounts that are actually mine and having them removed form my reports.
Product: Payday loan, title loan, or personal loan

I needed glasses badly so I went to XXXX XXXX to get credit with XXXX. I have been making my payments, they take them out automatically from my back account. I knew they were going to take the last payment out on XX/XX/XXXX when I get my Social Security so I checked to see what the remainder would be. It was {$64.00}. I paid that so that when they automatically took out the {$120.00}. I would be done with it on an early payout. If you don't do the early payout then your obligated to pay the full amount. My loan for my glasses came out to {$670.00}. The full amount was {$1500.00}. As you could see I certainly wouldn't want to pay the later amount. They didn't take out the automatic payment as expected on the XXXX of XXXX. I waited and finally called them today and spoke to XXXX. I'm just recovering from XXXX  so I haven't been able to work. My final day for early payout is XX/XX/XXXX. I believe they purposely didn't take out the payment to keep me oweing the full amount. This is a scam to keep consumers obligated to pay the full amount. When I talked to XXXX he said they could extend to XX/XX/XXXX for another {$100.00}. This type of credit needs investigation.
Product: Credit card or prepaid card

On XX/XX/21 I applied for Chase XXXX XXXX XXXX Card and was not approved. I'm a consumer ( natural person ) so I can not be denied credit that originates through me that I extended to them. I'm the original creditor pursuant to 15 usc 1602. I can not be discriminated against for exercising my rights in good faith pursuant to 15 usc 1691. XXXX  dose n't have my written consent to report anything on my credit report pursuant to 15 usc 1681 permissible purpose.
Product: Checking or savings account

In recent years I been unfairly charged $ XXXX of dollars in overdraft fees, even having money in bank account - I had complaint to Wells Fargo and they ignored me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately,
Product: Debt collection

This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating a owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
Product: Bank account or service

Today, XXXX/XXXX/16, I received a XXXX XXXX card with my name on it, which was referred to as a prepaid XXXX card. It was from " netSpend '', XXXX XXXX XXXX, XXXX, TX XXXX. I did not request the card and have never heard of the company/bank which claims to be FDIC.
Product: Debt collection

The debt company reported my debt without any attempts to contact me. I had not heard about this debt or company prior to getting a notification from the credit reporting agencies that a derogatory remark was filed. I sent the company a debt validation and dispute letter but have not heard back. The fact that this was reported without contacting me is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and Regulation F of the CFPB.
Product: Debt collection

Repeat calls to my place of employment after being asked not to call. Every time I request documentation on the debt, they hang up and call back later XXXX XXXX states she's a locator service on behalf of XXXX XXXX and that if I don't pay, I will be arrested. When I asked for documentation regarding the debt, first she gave me a claim # XXXX and a phone number to call XXXX. I called the number and presented them with the claim number and asked for a paper copy to be mailed to my address to ensure it's validity. I was told a bunch of things regarding a release that I have no clue about. XXXX XXXX calls an hour later and states she hasn't received a release from XXXX XXXX and she needs serve me documents. As I attempted to provide/verify the address she already had, she hung up the phone. Next day, XXXX calls my job and is transferred to me. She asked to speak with the Director of HR. I initially transferred the call but it came back to me and that is when she identified herself. I told her she can't call my work phone and I tried to provide the address for the documents again. She hung up and called back and eventually got in touch with the Director of HR. She left him the same information she previously gave me, XXXX XXXX-claim # XXXX. After I received the message, I called and talked to a XXXX who stated they have nothing to do with the locator service tactics and they could not stop the locator service from calling unless I set up a payment plan. At this point, my wife ( 6 ) has received the same calls from XXXX XXXX and my supervisor ( 3 ).
Product: Debt collection

Ive sent in a dispute letter to XXXX, XXXX, and XXXX asking them to remove any debt that can not be verified within XXXX  days. All XXXX  bureaus have yet to provide me with investigation results. 

Account name shown on credit report : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is appearing on my credit reports whereas I had not intended to have this product. 
Once I found this card in the mail I had immediately contacted the company that it is not a product I intended to apply for. 
I had never activated the card and requested from the company it be closed and deleted from my credit reports. The agent said that it will not be reported since I had requested closure within 30 days. 


APPLE CARD/GS BANK USA XXXX StatusPaid, Closed/Never late. 
Account TypeCredit card Balance- Date Opened XX/XX/2020 Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reportedly closed in 2015 and continued to report for 3 years and still appears on my credit report 5+ years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has me listed as being deceased. My husband passed away XX/XX/XXXX. We leased a car with XXXX XXXX in XX/XX/XXXX. I sent necessary documents in XX/XX/XXXX, to remove his name from the lease, ( death certificate ). The lease was up in XX/XX/XXXX. I turned the car in and am leasing another car with XXXX XXXX XXXX XXXX. It appears that XXXX XXXX listed me as deceased along with my husband inXX/XX/XXXX. I applied for a mortgage in XX/XX/XXXX with XXXX XXXX XXXX. XXXX XXXX attempted to get a credit score in XX/XX/XXXXt and was unable to do so because consumer was listed deceased. I filed a report immediately online with Equifax in XX/XX/XXXX. I received an email confirmation that the dispute had been settled and a printed copy dated XX/XX/XXXX. The printed copy stated consumer deceased instead of loan paid in full. I called again on XX/XX/XXXX and was told that I was still listed as deceased and it could take another 30 days before it was cleared. XXXX XXXX XXXX attempted 3 more times to obtain a credit score and were unable to do so. I can not get a mortgage without a credit score. I have also contacted XXXX XXXX XXXX XXXX the first week of XX/XX/XXXX asking them to contact Equifax explaining the error. The agent drafted a letter while I was talking with her. A copy of the letter was also supposed to be sent to me. I never received the letter so I have to assume it was also not sent to Equifax.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX - XX/XX/XXXX, Bank of America Merchant Services allow perpetrators to use the theft of my personal identity and credit and the EIN of my entity in a money laundering scheme through merchant services. On XX/XX/XXXX, Bank of America emailed me a copy of a digital signed document, bearing my name and purported digital signature on a merchant services agreement. This is not the agreement I signed. The true and accurate contract is evidenced in emails to/from me and bank of America bearing an original ( non digital signature ) of the true and accurate signed agreement. I did not authorize B of A to use my name, identity and credit for merchant services. 

Over XXXX was stolen from by business that remains unremedied today. My credit score has plummeted over 300 points from collection accounts on my credit, placed in my credit by B of A. I am being harassed by creditors. It is known at this time if the crimes are continuing or exactly how many more fraudulent accounts are in the name of me or my business. Bank of America failed to follow rules, regulations and policies enacted to prevent or report these crimes and once know, allowed the crimes to continue, for over a year Bank of America became aware these crimes were occurring. Bank of America worked with the perpetrators of these crimes to try and cover up their collective crimes. Me and my business, remain liable to the IRS for the stolen money as evidenced in the XXXX 's I received from Bank of America. Bank of America and the criminals remain the only beneficiaries of their heist.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 3:28 the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.l want these accounts removed
Product: Debt collection

Portfolio recovery associates at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and Inquiries on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My Mortgage Company XXXX XXXX XXXX placed my mortgage for servicing by Select Portfolio Services in  XX/XX/2019 after I contacted XXXX for mortgage assistance and way told the only thing I could do was a " short sale ''. This was not an acceptable workout as I became delinquent during an illness which resulted in XXXX XXXX  XXXX with quite a bit of back and forth to receive the XXXX payments from my employer. XX/XX/XXXX SPS took over servicing the mortgage. I set up a profile and submitted a mortgage assistance request as I took on 2 part time jobs, at a lower rate of pay, with shift hours totaling enough to make my unemployment compensation award go dormant. One of the part time jobs stopped giving me hours not too long after hiring me. I spoke with SPS representatives several times ( I have a list of calls and contact names ). Each person told me something different and when I finally did receive a workout plan it was {$400.00} higher than a regular payment would be. I contacted XXXX XXXX XXXX who, I authorized to intervene on my behalf, SPS would not speak with the counselor even though I'd submitted a signed authorization. I then received a " default letter '', An ACT 91 letter and a letter stating that I refused the workout plan since I missed the deadline to accept it because I could not get anyone at SPS to speak with me. On inquiring why I was not getting any call backs from my " account manager '' at SPS I was told they were returning my calls to a phone number that was disconnected over 15 years ago, even though I did a current profile on the SPS website when I first received notice that the mortgage was being transferred to SPS. Now, I have asked again for mortgage assistance to clear my outstanding payments to current and the workout I received recently is {$500.00} more than the workout with the {$400.00} more over the original payment amounts. I am in the process of appealing a denial from Pennsylvania Housing. The frustration and stress is mounting as I continue to find adequate employment to correct my arrearages. I was told by my credit counselor not to make any partial payments until I could get a clear handle on where this stood and how it could be rectified with the help of SPS. As I mentioned, I have a log of various phone calls and responses to my inquiries as well as any other documentation that will show the chaos this situation has taken on.
Product: Checking or savings account

I have been a victim of fraudulent checks in XXXX and XXXX to the total of {$3800.00} and when I went to deposit them into my bank account ; they considered me a RISK and closed my accounts. No bank would honor the checks, and no bank has allowed me open a checking account since then. I found no way to resolve the loss. 

Apparently I am still on the list as a RISK.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : 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 These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Debt collection

XX/XX/2013, {$25000.00} I sent letters, but no results.