23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. Complaint is a dispute with a loan/mortgage company, Lakeview/XXXX. 
2. XXXX is refusing to apply a payment of {$710.00} to my XX/XX/2020 mortgage payment and waive the late fees. 
3. XXXX misapplied a payment of {$710.00} and it wasnt applied to my XX/XX/2020 mortgage payment. 
4. The complaint is against Lakeview/XXXX  : Lakeview Loan Servicing , LLC 5. FYI It may be an FHA loan. Im not sure. 

In XXXX of 2020, I made 2 mortgage payments from my XXXX XXXX XXXX  so that I could get ahead of my mortgage payments : A payment on XX/XX/2020 for {$2100.00} ( Actually, a little more than my mortgage payment ) for my XXXX payment A second payment on XX/XX/2020 for {$2100.00} for my XXXX payment I continued to pay the {$2100.00} until XXXX of 2020. I did not have enough money in my XXXX XXXX  for the full mortgage payment. 
So, on XX/XX/2020, I paid {$1400.00} out of my XXXX XXXX, and on XX/XX/2020, a check for {$710.00} was issued from my XXXX account for the balance of the XX/XX/2020 mortgage payment. After that, I continued to make my usual {$2100.00} ( slightly more than a regular mortgage payment ), to this day. 
Lakeview/XXXX  misapplied the {$710.00}. What? Did they think it was just a gift to them? 
They have continued to accuse me of being late with my mortgage payments and charging me late fees since XXXX of 2020 I only recently figured out what happened. I contacted XXXX and they refuse to credit the {$710.00} to my mortgage or to refund me/waive all ( or any ) of the Late fees. They say they can not, but Ive worked with computers, and Im sure somebody can. And I mean, if grocery stores can process split payments, I would think that a big loan company, surely could and should be able to. 

Not only does this put me in a difficult financial situation and is probably doing a number on my credit rating, but I feel as if they are stealing from me, and who knows how many others. 
I'd attach documents but I can't redact personal information from them.
Product: Mortgage

My lender paid for XXXX different insurance policies which put my escrow account in the negative. I only just now found out because they are raising my mortgage to make up for it. There was no prior communication about this when it originally took place. There was an overpayment of {$2500.00}. I have been attempting to resolve this for XXXX weeks now. I keep getting the runaround and can't seem to get the issue resolved. I've waited on the phone for hours, continue to email people, and I get no response from anyone.
Product: Credit reporting or other personal consumer reports

under the doctrine of estoppel by silence, as referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Debt collection

LVNV Funding LLC sent two letters stating I owe on XX/XX/2022. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 1. One account states current balance due is {$2100.00} 2. One account states current balance due is {$1300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have the right to a proper investigation. 

15 USC 1681 section 602 A. States that I have the right to privacy.

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

This is grounds for removal and my rights have been violated.
Product: Credit reporting or other personal consumer reports

I received my loan forgiveness letter on XX/XX/year>. I called XXXX to state that my department of education loans are still showing a balance on my credit report and has not been XXXX out. The rep in XXXX 's credit department stated it should be taken care of in the first week in XXXX and please recheck then. I checked back the first week in XXXX and I am still showing a balance. Moreover, I filed a dispute with the credit bureau in late XXXX and provided a copy of the forgiveness letter and all XXXX did was correct the owed balance. Again, they did not zero out the amount to show it was paid off. When I called XXXX about this, they are now telling me it will take XXXX business days to refund me money and to update my credit. This is shocking because this is nowhere in writing in my letter, and I am only being told this because I called multiple times to see why I was getting the run around.
Product: Student loan

I dnt owe this debt I never went to school and its hurting me for years of my life I want this debt off my credit. Someone use my identity to go to school and I wanted of if not I will sue.
Product: Checking or savings account

Sometime last year I was sent a letter from child support, that they would have leans on my accounts and wages to pay off the debt. Since then Ive seen money leave my account, and taken from my wages. There were even times money would leave my back account, and then post back to it. So I didnt think much of it. This year while doing my taxes I came to find out my entire return went to child support, and that didnt make sense because of the leans. That prompted me to look through my account and its transactions. Come to find out there were a lot of unauthorized purchases. I reported them, talked with the bank, answered questions, and explained the whole situation. They have since denied my claim, and told me that an appeal was out of the question. I felt that was highly unacceptable, and not right seeing as how they have a XXXX liability policy regarding unauthorized purchases. Ive done my own research and seen a common tactic of people stealing, or committing identity theft is to intercept the packages before theyre delivered to the door, or snatch them up before anyone in the house realizes theres a package outside.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and 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 accounts 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 accounts Bankruptcy XXXX 7-discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Product: Debt collection

I had a chapter XXXX BK which recently got discharged not to long along. I previously had a Money lion Plus membership, as well as an active investment account with Money lion. Dealing and battling identity theft is draining financially so i go to withdraw my investment money from my Money lion  account, and i was told i couldn't withdraw because of an outstanding debt i had with them. I called money lion to see why i couldn't withdraw my investment funds, and the agent told me i couldn't withdraw because i stilled owed them X amount of dollars.So before i could withdraw, I needed to pay what i owed them. I told him that any alleged debt has been wiped, and they can not collect on a debt that has been discharged in my Bankruptcy, That is illegal and against the law, and that i will be seeking legal action against them for every violation they accur.
Product: Student loan

Navient has not been a decent servicer. I opened the loan in XX/XX/XXXX and was told if I paid {$25.00} each month throughout school that would cover interest and I would then have to pay full payments following graduation. I did. However when I graduated my loan balance had gone up over {$3000.00}. My payments were over {$200.00} a month. I asked for options to lower payments or refinance and they told me I was not eligible. Since graduation in XX/XX/XXXX I have made consistent payments. When I reentered school for my XXXX XXXX I went back to still paying {$25.00} a month to cover the interest. However, they are contacting myself and co-signer stating I am skipping payments. Also my payments have gone up about {$10.00} a year since graduation. I call customer service and ask why and they state it just happens. Once again I have been told I can not refinance or lower payments in any way. My loan started at {$13000.00} and I still owe {$14000.00}. But they claim Im over half way paid off. They will not work with me and I can not afford for the payments to increase.
Product: Debt or credit management

I am unclear how I ever became a member of Experian. My guess is it was when my son was renting an apartment and the landlord requested my credit report they generated an unpaid account. I now receive unwelcomed credit alerts relentlessly which, when I reply directly to the emails I want to be removed from their system, I get acknowledgement they will but then it keeps happening. Since I don't have a paid account, there is no way to log into their system to go through whatever process they have to remove an account. Their phone tree does not allow me to connect with a live representative. This is unabashed, unethical marketing at its worst. How do I get off this system?
Product: Checking or savings account

I received a call from a bank of america employee by the name of XXXX XXXX. XXXX called to advise me that the teller did not know that the hold on my deposit would be extended. XXXX said she could go ahead and close my case because ( in her mind ) she resolved the issue. XXXX said she would send me a letter in writing explaining what we discussed. I asked XXXX, is there a possibility that the hold could be extended again, this had the nerve to say she did not know but probably not as long as the check is not returned. Over the past week, I have heard this ( as long as the check is not returned ) several times from BOA employees and I am livid. I called XXXX XXXX XXXX ( the company that issued me the check ) and I spoke to XXXX. I asked XXXX if this company had a history of issuing bad checks. XXXX said no, they have done business with BOA in the past and their business ( XXXX XXXX ) is a very large corporation and any hold placed on the check is strictly because of BOA, it has nothing to do with their company or the bank the check is drawn on because they are a reputable company and they bank with a reputable bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the XXXX credit bureaus transunion, XXXX XXXXXXXX by phone numerous times last month in XXXX, XXXX, and XXXX of 2022 and asked them to remove several addresses that are not my addresses i even tried requesting they remove them on line also, and i also have let them know i have the right to privacy ( 15 usc 1681 ) and to have accurate information reporting they are violating so many laws and denying me my rights
Product: Checking or savings account

I had a savings account with Citibank which I hadn't used for years and I moved away from the US in XXXX. They started charging monthly fees because of the low balance on the account. 

Earlier this month, I called Citibank to close the account, but because it had been deemed inactive, I was told I needed to go into a branch. 

I traveled to the US on XX/XX/XXXX. On XXXX, XX/XX/XXXX I went to a Citibank branch to close the account. They said they were too busy to assist me and I had to come back another day. I was leaving the country and could not come back. 

They said they will continue to charge me monthly fees even though the account is inactive and no longer being used. They won't let me close the account and I'm now outside the US for at least a few months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix up my credit report. On XX/XX/2023 I wrote to all the credit agencies to verify the debit, amounts, and actions taken on the account. I have received a letter via email saying that the account has been verified. I have written to the company to perform a debit verification, however I still have not received a response. A in dept research of this account has found that there are several errors on my report. NC Financial has different open dates as well as the date of last actively to the account. They have listed it as a charged off several times and then still continue to increase the amount owed each week without sending me any notice via mail. I have not received any account statements on this account period. Every other month they are changing their name in which they report under. One month its netcredit the next is NC Financial. 

In accordance with the fair credit reporting act Netcredit and/or NC financial account # XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

I applied for a HELOC from XXXX XXXX XX/XX/XXXX. XXXX informed me Equifax had a hold on my credit and I would need to call and remove it. I called and was told I do not have any fraud alerts or freezes on my credit and XXXX must had submitted something wrong. I called Equifax everyday and was continually told my credit file is clear. I also tried to access my credit through my experian and was unsuccessful. XXXX continued to try to run my credit unsuccessfully. I decided to mail my passport, social security card and drivers license to Equifax fraud department in XXXX. I received three notifications by mail from Equifax that my credit file is free of fraud alerts and freezes. I attempted to access my experian and recieved an error message. I was able to access my credit report after calling Equifax. My credit file was up to date and I had a credit score. 

I went back to XXXX XXXXXXXX  and told them we could move forward. I was notified by XXXX on XXXX that my file continued to have a hold on it. I immediately called Equifax and was told there is not any alerts on my file and XXXX entered something wrong. I explained I sent documentation and could they ensure my file is accessible. I was transferred to the fraud department. The rep on the phone told me I don't have an alert but he confirmed my documents. He then said I will now remove the hold on your file.I asked how was a hold on my credit if I have been told I never had a hold. XXXX will be able to pull your credit in an hour. 

At XXXX XXXX XXXX XXXX called and told me they can pull my credit but I don't have a credit score and all of my balances are XXXX. This included my current mortgage and accounts that they manage. She was told by Equifax this weird and I would need to call Equifax. 

XXXX Spoke to Equifax about my credit file not having any balances reporting since XX/XX/XXXX and no score being available. The rep told me I must have paid all of my balances or I need to tell my creditors to report to Equifax. I explained my creditors do report and I have balances currently. They told me they don't know what happened but I could always file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent dispute letters all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been almost 2 months and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. I appreciate your assistance!
Product: Mortgage

I am a XXXX, currently representing people in the sale of their home. The buyers for their home are obtaining their financing through Cityworth Mortgage. The mortgage company has had the mortgage application and all pertinent documents since XXXX XXXX, 2017. We were supposed to close the transaction on XXXX XXXX, 2017. We still have not closed. The week of XXXX XXXX we received notification that the mortgage company could not close XXXX XXXX. At this point the sellers were literally driving their entire life 's possessions to Florida. They were scheduled to purchase their home also on XXXX XXXX. So, they are now homeless, thinking they were going to retire in Florida. They are paying to store their possessions. The buyers for their home are about to be evicted from their lease because they have over extended. Myself and the agent representing the buyers have communicated with the loan officer and processor. I personally have spoken with the owner of the company, his son, and a team leader/supervisor. They are inept at best, their customer service is atrocious. At least three families are suffering, yes truly suffering because of the inexcusable business practices of this company. The suffering parties should be compensated for their inconveniences and unnecessary additional costs incurred due to the mortgage company 's ineptness.
Product: Credit reporting or other personal consumer reports

Why is this account being reported with XXXX consecutive incorrect dates of last activity. The account also has no data for the first XXXX days of 2019. Delete account for inaccurate reporting. 

Once you have finished my request, please send me an updated credit report reflecting my request.
Product: Debt collection

On XX/XX/XXXX, I entered into a payment arrangement with XXXX XXXX XXXX in order to settle credit card debt that was originally with PCA ACQUISITIONS V , LLC. A copy of the payment arrangement is attached. In accordance with the payment arrangement, XXXX XXXX XXXX  was authorized and withdrew via XXXX from my checking account payments XXXX through XXXX on the attached payment arrangement. On XX/XX/XXXX, I received the attached email from XXXX XXXX XXXX  reminding me that the final payment of {$350.00} was scheduled for XXXX on XX/XX/XXXX. On XX/XX/XXXX, I logged into my bank and noticed that the {$350.00} XXXX had not posted to my account. On that same day, I called XXXX XXXX XXXX to find out why the final payment was not drafted. I was informed that as of XX/XX/XXXX XXXX XXXX XXXX merged with XXXX XXXX XXXX  that my account was returned to PCA ACQUISITIONS V , LLC for futher handling, and that Radius was not able to give me any further information. I attempted to contact PCA ACQUISITIONS V , LLC to resolve but was unsuccessful in reaching them. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX  ( copy attached ) stating that they are now attempting to collect debt owed to PCA ACQUISITIONS V , LLC, which is the same account in the payment arrangement I entered into with XXXX XXXX XXXX  XXXX XXXX XXXX is attempting to collect {$1700.00} from me for this debt. I do not understand why they misinformed me about the account being returned to PCA ACQUISITIONS V , LLC, why the final payment of {$350.00} was not withdrawn in accordance with the agreement, and why the payment arrangement was not honored if the companies merged and the debt remained with XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly has a record of the XXXX payments that I made to XXXX since the amount of those payments is reflected on the communication they sent to me. I absolutely dispute owing {$1700.00} to XXXX. I will pay the final payment of {$350.00} as per the terms of the original payment arrangement entered into with Frontline Asset Strategies to fully and finally resolve this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I didn't authorized and unaware of. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Mortgage

Three years ago we refinanced our home with XXXX XXXX to get a lower interest rate. During the first year of this refinance we received a notice stating that we needed to start sending our payments to LoanCare, XXXX. We did this for nearly two years, during the last 6 months or so we got behind on our payments and was offered a Loss Mitigation by LoanCare. This Loss Mitigation was approved for a four month trial period. We made our reduced payments every month during this trial. In XXXX Loan Care sent us a notice that we no longer qualified for the loss mitigation and that we owed the full amount in mortgage payments. They did not give us credit for the payments that we made during this four month trial period. We have been unable to get anyone from LoanCare to give us a reason why this money has not been applied to our account. We feel that an investigation should be filed in order to find out if this is a common practice for this company and put a stop to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX {$2000.00} XXXX {$7600.00} XXXX {$700.00} XXXX {$24.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to contact the credit bureaus and remove the fraud alert from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has FAILED repeatedly as of XX/XX/2022 to remove the account ( XXXX XXXX XXXX Account number XXXX {$400.00} past due as of XXXX XXXX ) from my credit report. They have FAILED reportedly to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. They have also failed to respond to CFPB and provide an update. They are deliberately replying ONLY upon the initial complaint from CFPB but will provide their " findings '' directly to me with NO legal stance which I believe they are purposely stalling. This concern needs to be escalated with the CFPB and XXXX. 

XXXX XXXX ( 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. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}.