23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In  XXXX   XXXX , I financed my home with  XXXX   XXXX   XXXX . Loancare took over managing this loan. They sent out correspondence to me in late  XXXX  to participate in  a Equity Accelerator Program by  setting up bi-weekly payments, which I did. It was n't until  XXXX   XXXX  that I found out ( because of an alert on my credit monitori ng ) th at  Loancare was reporting my payments as delinquent. I called Loancare and they informed me that partial payments were not being applied to my loan, but being held in a " suspension account '' until the full amount of the monthly payment was received. Also they were charging late payment fees. All the while, I never knew that my payments were n't being applied appropriately. I NEVER got any notice from Loancare regarding the application of my bi-weekly payments, despite th e fact that they had the correct address, phone number and email address on file. In  XXXX   XXXX  I spoke to someone  at Loancare who se emed to get things cleared up. He requested that funds be reapplied correctly, he requested reversals of late fees, and told me that a payment of {$570.00} would bring my account current. I turned off bi-weekly payments, obtained my new mortgage payment, and turned on monthly payments. My next payment schedule is as follows :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX , and  XXXX   XXXX ,  XXXX . These are the dates that payments were sent from my bank account.     For whatever reason, Loancare is not receiving or applying these payments in a timely manner which is resulting in MORE delinquent payments being reported to the credit agencies. I 've rais ed 3 tickets to Loancare customer service. I 've sent PDF files of my bank statements as requested by Loancare for review of the issue but  did not receive any response or resolution. I called to follow up on the initial ticket from  XXXX   XXXX  and a representative told me that it was closed and/or not resolved because they did n't have bank tracing numbers to review. No one ever contacted me to request this information so I was advised to start another customer service inquiry! Conveniently, after I called to follow up on the resolution, customer suppo rt at Loancare sent me an email saying that they reviewed my account and were not able to remove the reported information to credit agencies. I decided to file another ticket to customer service and this time I sent PDF bank statements, tracing numbers, and another narrative of the problem. Cu stomer service responded that payments had been applied already and asked me for a copy of the transmittal form so they can see how the bank is sending payments.  Loancare is supremely  incompetent and I have done more than my due diligence in getting this issue resolved. Late payment fees continue to be applied and my credit has been significantly affected. Please give me some guidance so I can get this resolved. I also have credit reports with the negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed this item on XX/XX/2022 but the bureaus did not remove it or prove validation. 

Sec. 602 I have a right to privacy. 

XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : Account Name : ONEMAIN Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX ONEMAIN XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

I co-signed a school loan for my niece. My niece consolidated her debts on XX/XX/2020. I received a call from Firstmark Services on XX/XX/2020 at XXXX, notifying me the loan was past due in the amount of {$210.00}. I notified the Firstmark representative that my niece had just consolidated her loans and they should be receiving a correspondence or payment soon from the company. I informed the representative that there was no need to make further calls with the information I provided. 

XX/XX/2020 at XXXX, I received another call from a Firstmark Services representative notifying me my niece loan was past due in the amount of {$210.00}. I informed her that I had already received a call and notified the previous caller that the loan payment was being taken care of by a debt consolidation company. I further informed her that I would consider any further phone calls to be harassment. The representative told me they were not harassing me and had the right to call me until the past due amount was paid. 

I did not answer the following calls. XX/XX/2020, at XXXX, XX/XX/2020, at XXXX and XX/XX/2020, at XXXX. I answered a call on XX/XX/2020, at XXXX, a Firstmark Services representative named XXXX. I asked XXXX if they would know if their company had received any correspondence from the consolidation company notifying XXXX that they would be making payments. XXXX stated they would most likely just make the payments. I asked XXXX if he could see the notes from the previous calls, that I requested the phone calls to stop or I would take legal action for harassment. XXXX said it was in the notes but as long a the account was past due they would continue to call.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

In  XXXX  or  XXXX  of   XXXX  , Carrington sent me an escrow statement, and explained that my homeowner 's exemption had expired, which resulted in my mortgage payment being raised by over {$300.00}. They told me to g o to my county and ap ply for another exemption, send them the receipt from the transaction, and they would adjust my phkebt. I proceeded to go to the  XXXX  County Courthouse to file for another exemption, which was granted. I sent the paperwork to Carrington, and they told me that they could not accept it, a nd that the county need ed to send it directly to them  (  whic h the county doe s not do ). In the meantime, I was faced with paying the high payment due to them not adjusting my payment as they promised. They said that there was nothing that they could do, even after I tried to send them the {$1400.00} check tha t the county se nt to me as a result of the overpayment. They told me that I would just have to pay the higher payment that I could not afford until the next year. I countinuously called, and finally they lowered the payment a little bit by stretching the escrow shortage out over 24 months, and causing more interest accrual for that period. This is all in effort to make more money off of the customer. I then called at least 10 more times, which is documented in their system. I was calling almost every week since last  XXXX . They have been marking my veesoy report 30 days pat doe, because they set me up for an impossible mission of paying this high amount even though I tried to send in the escrow shortage, which they refused. My credit is now RUINED because of them, and I want them to own the mistake and fix the Lates on my credit. After months of being told that there was nothing that could be done, I called in last month, only to be told that they could have given me a forebearance in the first place. I am LIVID. Now I have to wait years for my credit to rebound because of a lack of competent customer service agents. Please help me fix this!
Product: Money transfer, virtual currency, or money service

Capital One has fail to obey the law of the money order and check cashing system which have continued to place inaccurate information on credit report and unlawful amount balance. On XX/XX/2023 there was a check cash by Capital One that clearly states ( Endorsement Of This Check Is Accepted As Paid in Full On This Account and another money order sent XXXX XXXX for account ending in XXXX therefore Capital One should have written on credit report ( Paid In Full and not Settled ). Capital One has agreed to settled the debt upon cashing both instruments of payment and a binding contract to accept ( Paid In Full and not Settled on credit report ).
Product: Debt collection

My husband received a call from XXXX. I then called the number myself and spoke with someone named XXXX from XXXX XXXX XXXX. He said he was attempting to collect a debt for a pay day loan that was given to me on XXXX XXXX, XXXX by XXXX. I told him that I never did that and he then read off my SSN and an old address I had not lived at since XXXX. I asked him to show me verification that I owed this money and he said that mailing me something would n't make a difference. I told him that I did not owe any money and he said over & over again that it did n't matter what I thought, I was legally liable for {$620.00} whether I thought I owed it or not and the only way I was not legally liable for it would be if I could show proof that my identity was stolen and to give them the name of the person who stole my identity. He asked if I planned on resolving the claim and I told him that without him showing me any documentation that I believed this was a scam & then hung up. 

I checked all three credit reports and neither the loan or debt collection is on my report. I filed an identity theft complaint with the FTC and I was also encourage by my lawyer to file a complaint here.
Product: Credit reporting or other personal consumer reports

I filed a dispute about a collections account that showed up on my credit history. I have received no communication from the original company about a balance due. 

My dispute was opened on XX/XX/13 at XXXX, and was closed on XX/XX/13 at XXXX. The details from the dispute results note that the collections item was either updated or deleted. However, neither happened. In the comparison tool provided on the website, the dispute appears exactly the same. There is no additional information or change of status. As the only information I have related to the account is a lack of communication regarding the balance due, I can not provide anything for an updated dispute through the credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent a notice of fault and opportunity to cure letter to XXXX XXXX informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.
Product: Checking or savings account

On XX/XX/2023 {$10000.00} was withdrawn without our authorization from my husband and I joint account. The claim was made through Citizens Bank ( Claim # XXXX ) and a police report was filed through XXXX Massachusetts PD. The police officer then contacted both parties involved, Citizens Bank and the bank that the money went to, XXXX XXXX XXXX XXXX, in which XXXX XXXX XXXX XXXX reported on XX/XX/2023 that the check was fraudulent and the funds were allotted back to Citizens Bank. The police officer then spoke to a citizens bank and was told via email on XX/XX/2023 that the funds were going to be allotted back into the account within 5-7 business days. I have personally called the Citizens Bank claims department weekly since XXXX to check in on the claim and have yet to be given the money back. The representatives with Citizens Bank have no information to share that is consistent with what was stated to the Police officer on the case. The representatives at the claims department proceeded to tell me that it could take a year to get the money back and that is just how this works.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been applying for credit in my and its not me. My score has went down from this and I need it fixed ASAP
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. 


Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number : XXXX Inquiries : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX :
Product: Debt collection

Debt is 15 years old and has been charged off for 15 years. I no longer owe this debt they are trying to collect on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equafax released my personal information and violated my privacy expaoing me to risk and is now making me sign a release that to accept credit monitoring services, made necessary by my mistake, I must sign away my rights to be a part of a lawsuit? Outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX Experian received my certified complaint and on XX/XX/XXXX they sent an email back advising that they can't identify me. How is that possible when I have a copy of my SSN and my Drivers License attached to the dispute itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX  and XXXX XXXX XXXX.
Product: Mortgage

By the end of XXXX, I began the process to obtain the money and pay off the reverse loan. In XX/XX/XXXX, the XXXX XXXX XXXX and XXXX XXXX declined the loan due to problems with the property. In other words, I was approved for the loan but the property does not qualify for any product. The Bank tells me that no financial institution is going to grant me the money due to the situation of the property. I contact HUD indicating the situation, I send them the bank document and I even make an offer to pay off the loan to which they tell me that they do not accept any offer other than paying 95 % appraisal of the property. I contact other banks to present the situation and try to get the money, but all the banks, including XXXX XXXX XXXX XXXX XXXX, who originated the reverse loan, told me the same thing, that the property does not qualify for any loan. At the moment, I am in a Mediation program with XXXX XXXX in the Court but they do not want to accept an offer, they just want full payment that I can not get due to the situation described or that they hand over the property, which is not an alternative for me since I have tried everything and it is the only property I have. It is my only home and I have not refused to pay at any time and I followed all the steps that they have indicated to me. I just want you to help me with this situation because they granted a reverse loan with a property that has a " Hazzard '' because the property has had that situation since XXXX and if in XXXX it qualified for a reverse because now they can not grant me the loan to pay it off. Please I need your intervention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. XXXX  XXXX  XXXX : Account # XXXX- Inaccurate information reported. This account should be removed from my report. 
XXXX-XXXX  : Account # : XXXX- Inaccurate information reported. This account should be removed from my report. 
XXXX XXXX XXXX : Account # : XXXX- Inaccurate information reported. This account should be removed from my report. 
XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a duke energy collection on my account that is not mine. I have called XXXX XXXX  telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this time.
Product: Debt collection

i was involved in a real estate fraud where i tried to purchase property in new jersey and never received the property after being contacted online by a company called XXXX. The merchant took my info and opened up an a credit card with bank of america, XXXX and XXXX XXXX. The merchant then took my card and charged it to an XXXX and kept stringing me along telling me they would purchase the property but never purchased any property and then said they would refund and never did. and then disappeared. I have a theft police case with XXXX XXXX  for these charges on my account, the police case number is XXXX but bank of america will not dispute these charges due to the time but i was clueless that these were thieves. All the charges made on the card was by this company during XX/XX/XXXX - XX/XX/XXXX XXXX
Product: Student loan

My federal student loans are currently being handled by FedLoan Servicing and are about to be transferred to XXXX. 

In XX/XX/2022, I made a final payment on my loans and received notice that they had been paid in full. In XX/XX/2022 I determined that I would like the final payment refunded as is my right under the CARES Act, thus I submitted a request for a full refund of my final payment in the amount of {$11000.00}. 

This refund was processed and I can now see the principal balance of {$11000.00} as expected, however there is an additional charge of {$65.00} in outstanding interest. There was no outstanding interest at the time of my final payment, and given the federal pause on assessing interest on student loans is still in effect, this charge is illegal. 

I called customer service to inquire, they looked into it and informed me the interest had been assessed prior to the pandemic. This is false. I requested all of my records from FedLoan Servicing via a FOIA request several months ago, and these records clearly indicate that there was *no outstanding interest* on my account when the pause went into effect. My account clearly indicated that there was no outstanding interest when I made the final payment. Furthermore I did receive and have a copy of my letter from Fedloan Servicing that my loans had been paid in full as of the final XXXX payment in the amount of {>= $1,000,000}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I had sent out credit dispute letters about some accounts that definitely werent mine and i had no idea about that were Fraudulent and other accounts I wasnt to sure about and sent them dispute and verify letters to all three ( 3 ) credit bureaus Equifax, XXXX, and XXXX and Legally they had 30 days to respond and they failed to do so, to prove and validate the debt and negative items reporting on my credit profile impacting my credit score and ability to obtain credit such as personal loans, Mortgage Loans, Auto Loans and house hold items like furniture and appliances ect and causing financial injury and emotional and financial distress.! I will attach proof of documents I sent and mailed out.!