23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about LoanCare LLC 's potentially illegal practices and horrific customer service regarding me and my husband 's ( XXXX XXXX and XXXX XXXX ) mortgage on our property at XXXX XXXX XXXX, XXXX, VA XXXX. 

Both of our XXXX  and XXXX  credit reports ( as of XX/XX/XXXX and XX/XX/XXXX respectively ) have our mortgage account for LoanCare listed as delinquent. There is no such error and all payments were made as scheduled ; LoanCare , LLC received the full payment I made for XXXXXXXX ( which was due on XX/XX/XXXX ) on XX/XX/XXXX ( see explanation below ). My husband and I have attempted to contact LoanCare about this via email numerous times throughout XXXX and XXXX ( case number XXXX ) and never received an email response. We also spoke to the company several times on the phone and were informed that everything was marked as paid and that all was fine. Customer service told us they would be sending a letter confirming this but we never got one. 

In mid-XXXX, we received a letter from LoanCare , LLC stating that our mortgage was being transferred to XXXX XXXX as of XX/XX/2019. We had automatic deduction payments set up for the first of every month. Our XXXX payment, which was due XX/XX/XXXX, was deducted from our bank account on XXXX XXXXafter the transfer had already occurredbecause XX/XX/XXXX fell on a Sunday and the next day was a holiday. Our LoanCare account did not reflect this payment having been received, probably because LoanCare had already fully transferred the mortgage to XXXX XXXX. Im enclosing a letter from our bank, XXXX, confirming that our full mortgage payment plus an additional {$100.00} to principal ( total of {$3000.00} ) was deducted and sent to LoanCare on XX/XX/XXXX. LoanCare then did send that money to XXXX  XXXX, which was credited to our account in early XXXX. Were also enclosing proof of that transaction. The supposed delinquent payment also occurred during the 60 day window when transferring to a new mortgage provider, where LoanCare should have not been legally allowed to report anything as delinquent. Nevertheless, this happened, our credit scores have dropped over 100 points, and all while we have shown them proof of payment over two months ago.

Given our pristine credit reports ( never missed one payment on anything ), the fact that LoanCare did deduct this payment as scheduled ( see proof of payment ), and our numerous attempts to contact the company and resolve this issue for the last two months, we would like these derogatory remarks to be removed from our credit reports immediately. We have disputed these payments with the credit bureaus. We have also reached out to LoanCare again as well to attempt to resolve this dispute, but have seen hundreds of complaints from other customers in these exact situations who say that the issue has never been resolved to the detriment of their credit long-term. We are concerned that we are similarly falling victim to this company with very malicious business practices.
Product: Checking or savings account

Summary of Problem : My rent check, which was made out to a business ( XXXX ), was illegally stolen and cashed into a personal checking account. I filed a fraud claim with my bank ( Bank of America ) against the bank with the check was cashed ( XXXX XXXX ). I also filed a police report which I provided to my bank for the fraud claim. XXXX XXXX will not respond to my bank at all and Bank of America has tried to close my fraud claim because XXXX XXXX will not communicate. 

Details : I sent my rent check to my landlord on XX/XX/XXXX. My check was stolen in the mail and illegally cashed on XX/XX/XXXX. The amount was {$1600.00}. 
The check was made out to to " XXXX XXXX XXXX '' which had XXXX in the title, which is obviously a business. XXXX XXXX XXXX utilizes a stamp with their name to endorse every one of their checks. 
The check was cashed at a XXXX XXXX to a personal account. The check had a scribbled signature on the back when I reviewed it in my account. The check should have NEVER cleared at XXXX XXXX. The account it was cashed to was a personal account. NOT A BUSINESS. The personal account also had no affiliation with XXXX XXXX XXXX. 
I filed a police report and the detectives were able to track down the person whos account the check was cashed to but was unable to make an arrest. 
I filed a fraud claim with Bank of America, which is my bank, and they can not recover the funds from XXXX XXXX. Bank of America has tried to close the fraud claim because they say XXXX XXXX   wont respond to them. Which seems like a lazy excuse to just give up on me and move on. 

I am getting completely screwed by XXXX XXXX because they let a check, that was made out to a business, get cashed into a personal account that had ZERO association with the business ( XXXX XXXX XXXX ) and not they are just ignoring legitimate claims that they should refund my money. 
I am also getting screwed by my bank ( Bank of America ) because they are not doing nearly enough to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there was an inquiry on my credit report from XXXX, XXXX XXXX from a cell phone order. My Social Security was used and XXXX asked me to fill out a fraud form which I did and faxed it to the number they provided me. I called again after 30 days and the form was not able to be located by either XXXX or XXXX XXXX. I was being sent back and forth to talk to different agents that had no clue what to do and were not helping me at all. I then called again at the end of XXXX to and I guess they did an investigation on it which I was told by multiple agents that it was complete and the inquiry was going to be removed from my credit report within 30 days. It has been about 3 months now and the inquiry has not yet been removed. I also told them that I was in the process of getting a like of a credit for a real estate contract I had and it was going to be denied if the inquiry was not removed since it effected my score a lot. They did not seem to care and continued to say it will take weeks for it to be done. I filed a complaint with the XXXX XXXX XXXX which I received a response from the company about them not receiving any fraud forms. Also, I included all the info about the issue and they closed the complaint without doing a thing to remove the inquiry. This is getting to be ridiculous over something that was not authorized by me and I am being affected by it.
Product: Debt collection

On XX/XX/2021, I contacted The XXXX XXXX to pay off the {$560.00} debt that was claimed on my credit report. I was given the runaround by their automated system, and was forwarded to XXXX XXXX XXXX. So XXXX XXXX XXXX did not have any details about my account and I was told to call The XXXX XXXX back with a blocked number, by dialing XXXX first then their number. Well, I called The XXXX XXXX with a blocked number, this time, and got to them at last. But, XXXX XXXX XXXX told me that they don't own this debt any more and that the Synchrony Bank owns this debt, and so there is no way for them to accept a payment from me. Ok, so I filed a dispute on XXXX to get them off my credit report. The dispute was rejected because The XXXX XXXX somehow proved that they own this debt. So, I called XXXX and told them this story. I was advised by XXXX to escalate this issue with FTC. I hope you can help me out. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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: Credit reporting, credit repair services, or other personal consumer reports

Card Member Services continues to call me to lower my rate. best part. i have NO outstanding debt! I have asked them repeatedly to take me off their list. They just hang up on me. I block the number and they use a different one. It is harassing and I want it to STOP! 
the last number to call me was XXXX XXXX XXXX. When I call back, it just rings and says person is not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below had violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 Account # XXXX - US Dep Ed, XXXX - XXXX XXXX XXXX, XXXX US Dept Ed, XXXX - XXXX, XXXX - US Dep Ed, 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 have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ) FCRA section 602 A ). states I have the right to privacy 15 U.S.C 1681b-a ( 2 ) ( section 604 A section2 ) : it also states a consumer reporting agency can not furnish an 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 ( they may only report crimes. Not " Debts '' ) which antidates the report by more than seven years is 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 information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602- States I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

So I have been dealing with cash app with this for a month already I originally disputed there's about 85 different charges most of them are for {$5.00} some of those charges are duplicates or the company charged me twice or whatever but I'm not even arguing that point The fact of the matter is is the company which is XXXX it closed my account when I first told them that I was going to argue some of these charges and so therefore it took away all access for even the charges that I did make which were a lot of them it took away access to the platform therefore I no longer can even use the service and therefore I want all of my charges to be refunded so I did the dispute process with cash app and they immediately denied it by saying that the reasoning is XXXX it says something about I didn't contact them in 3 days but I contact them everyday and their support is just it's horrible they keep messaging me the same thing asking me for a good email so that they can tell me why they deny the charges and then when I give it to him they just message me with about one charge out of the {$85.00} and tell me that it's the same thing but I've never able to discuss anything or put it back into rebuttal or explain to them why I'm disputing this and why I want my money back I mean I can not access to website so therefore they just took all my money and and getting a hold of cash app anybody there that can help you is impossible I've been trying for a month everyday I have a message thread that's at least a mile long from just going back and forth and not getting anywhere
Product: Credit card or prepaid card

Hello, this has been a issue i have been dealing with the last 3 years. Capital, one has reporting a late payment that is incorrect on my account. This has made my life XXXX. Ive contacted them directly and requested a supervisor numerous time to get this resolved. However, nothing ever happens. I am not forced to escalate this matter. 

Late payment XX/XX/2021 2021
Product: Checking or savings account

I've been back to different branches and I always get the same answer. " We can't find it, tough luck huh. '' I've gone through a few state agencies and now I am almost at the end of options.

This complaint is about a CD that my mother had with a bank when she was living. We tried extensively with several of the branches but to no avail.

We cashed in one but they are saying they can't find the other one.

My mother has since passed on and I am trying to to get them to do the right thing.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate late payment report on my credit file related to my Kikoff account. My account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. Despite making 100 % of my payments on time, my payment history shows a late payment, which is incorrect. 

I have attached supporting documentation from XXXX XXXX, which confirms that my account was always current and never delinquent. This inaccurate reporting is negatively impacting my credit score, and I am requesting an immediate correction to reflect my perfect payment history. 

I have already attempted to resolve this issue with Kikoff, but no corrective action has been taken. Therefore, I am requesting the CFPB to investigate and ensure that this false late payment is removed from my credit report. 

Please advise me on the next steps in resolving this matter. Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have found out that I have a fraudulent account that is getting actively reported on my credit report the account name is XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), this account is fraudulent, and I need it removed from my credit report. Also I have found fraudulent hard inquiries on my credit report that are not mine the inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent.
Product: Credit reporting or other personal consumer reports

Again this is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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/DOFED XXXX Balance : {$0.00} XXXXDOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXXDOFED XXXX Balance : {$0.00} XXXXDOFED XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Product: Student loan

I completely disagree with the total of eligible payments made listed on my account w MOHELA. I understand XXXX ( which I am enrolled ) require XXXX payments for forgiveness. 
According to my own records, and an email from MOHELA my payments began in XX/XX/XXXX, and no month was ever skipped even during XXXX. 
Date Loan servicer Total payments XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX fed loans XXXX XXXX ( Current ) MOHELA XXXX TOTAL TO DATE XXXX MOHELA XXXX XXXX XXXX XXXX XXXX This is a problem
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS XXXX XXXX XXXX XXXX  IS REPORTING AN AUTHORIZED USER ACCOUNT WITH A BALANCE OF {$1100.00} THAT I DO NOT OWN. I DO NOT OWN THIS DEBT I NEVER HAD ACCESS TO A CREDIT CARD UNDER THIS ACCOUNT YOU NEED TO VALIDATE AND VERIFY THESE CHARGES. THEY WERE NOT MADE BY ME I DO NOT OWN THIS DEBT THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDEITLY!!! 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE MY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit card or prepaid card

The credit card is Ollo credit card. I am going to get straight to the point. I asked for confirmation of debt. The only legal form of confirmation of debt is wet signatures. They said the debt was confirmed. I said how was the debt confirmed. I need the persons name address, title In company, phone number and fax. Until this day not done. Per ucc 3-603 ( b ) this is legal tender. Every month you send me a coupon and then you ask me to pay your bill with a credit card or debt card or money order. Then you cash both. This is trust fraud. I have recently sent you my definition sheet of what a coupon is instrument is etc. I do not spell my name XXXX XXXX which is STRAWMAN which means XXXX person. The reason why you asked for my ssi number is to get access to my trust. You claim its for protection. Thats a lie. We have Nesara Gesara which is law. 

We have public law 73-10 or hjr. ( house joint resultion ) 192 which happened in 1933 when XXXX took all the gold and silver away and replaced them with for federal reserve notes promises to pay. Everything is credit swaps. 

The ceo and cfo must obey the law and cancel this debt. If not done I will want to supena them both to the florida court room. I will charge them with the Rico act racketeering etc. I understand you love your double payments with me its not happening. I will place a lien on surety bond of the officials .I am putting you under public notice. If necessary will face you in court.
Product: Debt collection

On  XXXX   XXXX    XXXX  , I received a collection letter from a Resurgent Capital Services saying I owed them {$900.00} that was purchased from   XXXX   XXXX   XXXX . It also stated on this letter that they would make an entry to my credit report, which would have detrimental affects on my credit. On  XXXX   XXXX    XXXX  , I sent them a letter stating I was not aware of having any account with their organization or with  XXXX   XXXX . I asked specific questions of the company in this letter, namely, for account statements and signature cards proving I was in ownership of said account. On  XXXX   XXXX    XXXX  , the company sent me a letter stating that they purchased this account from  XXXX   XXXX  and I owed them {$900.00}. They did not include any of the requested information, as there were no account statements or signature cards attached, In addition, I asked for a copy of the bill of sale and individual names and addresses of staff at  XXXX   XXXX  they were dealing with who sold them this alleged debt, none of which were provided to me. On  XXXX   XXXX    XXXX  , an entry was made to my credit report under the title  LLV Funding  listed as a collection account. The entry was listed as disputed and verified under the FCRA. On  XXXX   XXXX    XXXX  , this company sent me another letter saying that they were resuming collection activity on my account and I should contact them for payment. On two occasions, I attempted to contact this company to ask questions about this alleged debt, however I was told that they would not provide me account information, since there was a cease and desist on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE XXXX ACCOUNT THAT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Product: Mortgage

My reverse mortgage has been sold, as a result I am unable to draw funds from it since I have no information of how to do so. I have received statements from Novad informing of the sale but have been unable to obtain information other than that it was sold to XXXX whoever they are. Novd has a recorded message on third system stating that the note was sold on XX/XX/XXXX. I have not heard from them resulting in a financial hardship as I depend on this money to live on.