23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, California XXXX XXXX XXXX XX/XX/XXXX To : EQUIFAX, XXXX, XXXX Subject : Final Request for Verification and Documentation of Account name : XXXX XXXX XXXX, Account # : XXXX This Dispute serves as my final attempt to resolve this matter, of the original high credit balance amount owed {$20000.00}, before pursuing legal action. I am writing to formally request the following DOCUMENTS related to my account : XXXX Verification and proof of the bill of sale for the auction price of the vehicle that was repossessed. 

XXXX A detailed statement showing proof of total actual amount of payments made by me from the opening date of the account in XX/XX/XXXX through the present date, XX/XX/XXXX. 

XXXX Proof of the GAP insurance payment amount you received. 


*Please send all requested documentation by mail to the address provided above within 30 days of receipt of this letter. If you fail to provide proof of the requested documentations to me within this timeframe, I will have no choice but to seek legal action and demand that this account be deleted and removed from my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Fax sent today to the Wells Fargo agent : We are extremely confused, concerned and bewildered with the status of our account. We started working with you last XXXX. We have never been informed of anything other than that the account would be reviewed and that the purpose of the review would be to add the arrears to the loan and resume payments. We were even asked by the underwriter if it would help to have some reduction in the payments. Over the course of nearly six months we have complied promptly with every request for information and documentation but at every step we were met with confusion and conflicting information. Frustration abounded when we were told 2-3 times that the emailed or faxed information could not be properly read ( allegedly cutting off the documents ). This was patently untrue. I personally went twice to the local Wells Fargo branch to have them scan and email the requested materials. Within hours I went to a different bank, had them scanned and emailed to both of us. Once again I was told that they were not properly received yet they came perfectly to my email which clearly indicated that the issue was on your end and that the materials were being properly sent. We recently received a checklist of numerous pages of the documents that we had provided. Your document showed over 50 documents that we have submitted, all on a timely basismost within hours or days. It also listed a request for four other documents that we had provided at least three times previously! It asked that these be submitted by next week, however you then called and said that it was not necessary. 
During this process I was never advised that I should be making paymentsit was always that the payments would be incorporated into the loan and therefore we continued putting our money into the home improvements. Our world was shaken when, last week, I received a phone call that said that the refinance was going to be denieda call that came before the date of a letter stating that the file was open and that more documents were requested. The alleged denial was due to a lack of sufficient income. Reference was made to the loan exceeding 40 % of income which is impossible! Attached you will see that the loan is less than 33 % of income. I was told that I could see how this was determined but never told how. I have yet to be able to access this calculation and frankly, there is no doubt in my mind that this is incorrect and that for some reason we are being screwed.
Product: Credit reporting or other personal consumer reports

I have noticed credit inquiries on my file that I have not authorized. I filed an identity theft report. Please remove these inquiries.
Product: Credit reporting or other personal consumer reports

XXXX had my loans transferred XX/XX/XXXX my loan out because I qualified for XXXX relief, I sent over all letters and supporting documents from XXXX and XXXX to Experian explaining XXXX balanced owed and account was closed they continue to hinder my credit profile by continually reporting inaccurate and outdated information knowingly having supporting documents, XXXX XXXXXXXX XXXX I sent more documents and disputes out. Still, they ruled that the information was correct. I reached out again XXXX regarding this same issue and they are still reporting wrong information, they have I owed and is late to XXXX still and double on top of that for the same exact loan saying I owe XXXX, with supporting document that was mailed out again on XX/XX/XXXX the results states as accurate. I spoke with a representee twice XXXX XXXX XXXX from XXXX saying they did their part and have not reported anything to the credit bureau since XX/XX/XXXX and I have been disputing this since, so somewhere it seems all major credit bureaus don't want to rightfully be removed this which has been a major impact on my life and credit report. submitted to document supporting this with no corrections or removal. of these items they are still remaining and effecting my daily life. If the actual creditor is saying that they are reporting wrong, why is it such an issue to do the right thing and remove this item with the supporting documents that was given.
Product: Credit reporting

I have been a victim of identity theft since 2014, my social security has been misused on several occasions which has been disputed for quite some time now, about 2 years, I filled a police report with City of XXXX XXXX and also I am employed with XXXX whom also issued a condolence letter offering support and free credit monitoring with all clear due to a breach with several employers social security number being misused, I have been a victim of fraud for several years and yet the disputed items that I have been disputing for several years which I refuse to pay because they are not my accounts remain on my report, I would like a response on this matter which has been affecting my credit report and score, I have just found out about this information which I am filing a report for immediate response, there are also several inquiries that have been disputed that does not belong to me and I never gave authorization to run my credit, this has affected my life tremendously and an investigation should be open immediately on this matter. If additional information is needed or proof of reports from the police department and homeland security please advise.. sincerely XXXX XXXX XXXX , supported documents uploaded
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I'm a victim of 15U.S.Code 1681a ( f )
Product: Mortgage

I am filing this complaint against Nationstar Mortgage LLC ( Mr. Cooper ) due to excessive and unjustified property inspection and maintenance fees charged during foreclosure proceedings, and for their failure to adhere to VA servicing guidelines, which ultimately led to my property being demolished. 

Nationstar has charged me multiple inspection and maintenance fees for my property that they failed to maintain according to VA loan servicing guidelines. The property was vacant resulting in local authorities demolishing it. Nationstar 's neglect in maintaining the property, despite charging me for inspections and services that were either not performed or not properly documented, has caused significant financial loss and emotional distress. 

As part of their obligation under VA servicing guidelines, Nationstar was required to conduct timely inspections, preserve the property, and ensure the property remained marketable. Their negligence in following these guidelines, as outlined in : VA M26-4, Chapter 9 ( Loan Servicing and Claims ) VA Circular 26-10-1 ( Servicing and Loss Mitigation Guidance ) Their failure to take the necessary actions led to the propertys degradation, culminating in its demolition. Despite their negligence, I was still charged unjustified fees for inspections and maintenance.

I contacted Nationstars customer service on XX/XX/2024 to request an explanation for the fees and express concerns about my online account being locked. However, I received no adequate response or documentation to support the fees. 
I sent a Qualified Written Request ( QWR ) on XX/XX/2024 requesting detailed information regarding the charges and the actions taken to maintain the property. Nationstar failed to provide a satisfactory response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a security service paid monthly with XXXX back in XX/XX/XXXX and part of XX/XX/XXXX on our previous home back in XXXX UT. We cancelled the service in XX/XX/XXXX when we sold the home. XXXX continued to charge me for this service even though we did n't own the home any more. I thought this was cleared up in XX/XX/XXXX but now, in XX/XX/XXXX, I see a collections company called XXXX XXXX out of UT, put a collections action on my credit report. I tried to dispute online with Experian but I could not because I did not have a " Report Number ''. I tried the alternative way where you enter in your personal information and all it did was send me to a page that had their mailing address, etc. -- therefore I could not dispute online. I had to call and I waited for over 20 minutes to talk to someone and I started the dispute with that agent. 3 weeks later and I have not heard anything -- so this time I signed up for their credit service to get a new credit report thinking it would give me a " report number ''. It did n't. 
I say all this because I disputed with XXXX and it was an easy process to do without a " report number ''. the " report number '' requirement is a scam to get you to buy a report as there is no number on the free report or even on their monthly monitoring service. Also, we are in the process of buying a new home and my credit score has dropped over 100 points because of this collections item. I read where FICO scores are not supposed to factor in disputed items but now it looks like Experian did not actually put in the dispute. I have tried calling in again -- waiting on hold for over 10 minutes and then they tell me they have to transfer me to their disputes department. 

This process NEEDS TO CHANGE! CONSUMERS NEED MORE RIGHTS AGAINST THESE 3RD PARTY COLLECTIONS COMPANIES AND AN EASIER PROCESS TO DISPUTE!
Product: Money transfer, virtual currency, or money service

In the close of a mortgage through mutual of Omaha I agreed to consolidate some prior debt to help my future possibility to refinance by repairing my credit score. The money was transferred from mutual of Omaha to synergy one lending who would then pay me and send checks to a few creditors on a list that I compiled for them. However instead of distributing the checks directly to the creditors on the list they were sent to my home in form pay to the order of collections. I attempted to contact synergy one then and had no success so I reached out to my bank, XXXX XXXX  and asked if I could just deposit these checks into my account so I could just call the creditors and make the payments over the phone. XXXX XXXX told me to go ahead and deposit these checks then froze my account for 2 years until I filed a complaint here against them. Since that complaints closed, so did my account with XXXX XXXX along with {$3200.00} some which I was then told to contact their recovery department to recover these funds. I did that and was told that since the checks were not made payable to me that I would have to again contact synergy one to have them file a claim to recover the money and distribute the money. I have attempted to contact them both by phone and email and have yet again been unsuccessful. I don't care how this matter gets handled but I borrowed that money in question and pay an interest rate every month for it so I would love for that money to either be returned to me or be properly distributed to the creditors like it should have in the beginning of all this. This time if the results of me filing a complaint could result in an end to this nightmare rather then waste more of my time and causing the need for me to file another complaint against another company I would certainly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  CO XXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account for XXXX XXXX XXXX in my name online shopping XX/XX/2022. Account was reported to the bank and closed and under investigation. XX/XX/XXXX someone again used my social security number to try to open an account with XXXX XXXX but was not successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with XXXX XXXX that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or XXXX XXXX. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the XXXX XXXX  regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to XXXX, Equifax and XXXX they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to XXXX XXXX  in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Violation of the Fair Credit Reporting Act and Request for Removal of Accounts Dear Experian, I am writing to formally address serious concerns regarding my credit report and the handling of my dispute. As you are aware, under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to maintain accurate and fair credit reporting for all consumers. Specifically, the law mandates that credit reports must be accurate, complete, and updated regularly. 

I am invoking my rights under 15 USC 1681e ( b ), which requires that you maintain reasonable procedures to ensure the accuracy of information in consumer credit reports. In addition, 15 USC 1681i ( a ) dictates that you must conduct a reasonable investigation of any disputes I submit and correct or remove any inaccurate or incomplete information. Unfortunately, Experian has failed to comply with these requirements in my case.

I have submitted a dispute over a month ago, and your failure to respond or address the inaccuracies within a reasonable time frame is a direct violation of the FCRA. Specifically, I request that you remove the following accounts and inquiries from my credit file, as they are inaccurate and have not been properly investigated : Accounts to be removed : XXXX XXXX XXXX XXXXXXXX XXXX Hard Inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I have become aware of the recent CFPB lawsuit against Experian, which highlights a documented history of neglecting consumers ' rights by failing to properly investigate errors or remove inaccuracies from credit reports. Your history of non-compliance with the FCRA only further validates my concerns about the accuracy and integrity of my credit file. 

I request that you immediately conduct a reinvestigation, as required by the law, and remove these items from my credit report. Failure to address these violations and properly investigate my dispute will leave me with no choice but to seek further action to ensure compliance with the Fair Credit Reporting Act. 

Please provide me with a written confirmation of the actions taken in response to this dispute within 30 days, as per the FCRA guidelines. I expect full compliance with the law and an accurate reflection of my credit history. 

Thank you for your prompt attention to this matter. Please send an updated copy of my credit report once you have removed these accounts, Thank You. 

XXXX XXXX
Product: Debt collection

My wife and i took out a pay day loan with Check and Go on  XXXX   XXXX   XXXX  we have been paying this account for months and months, we have been getting threatening phone calls from the number  XXXX  she is now saying that if we do not pay the amount owed they will issue a warrant for my arrest.   They will not send anything in writing to try and set up a payment plan with them. they only want us to pay up front, not even sure if this is a legitimate company. And now they are calling our work number constantly. Even after being told not to call our job.   We need help on this.   We have also contacted Check and Go but they said that this account has been sold and they no longer have anything to do with the account.       Thank you and have a wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, Experian, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX, XXXX XXXX This is my only name and my only address
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked both my transunion and XXXX reports and noticed a significant decline in my fico. I checked the details to see a XXXX XXXX / XXXX XXXX account that does not belong to me reporting late. That account is not mine and I have no responsibility for it. The account owner, XXXX XXXX, removed me as authorized user in XXXX. He has been incarcerated since XX/XX/XXXX and the card is being used fraudulently by other individuals.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of charge-offs listed on my credit report associated with account numbers : Bank of america XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( NOT MINE PLEASE REMOVE ) XXXX XXXX  : XXXXXXXX XXXX XXXX XXXXXXXX ( how is it paid in full and charged off? REFUND ME ) XXXX XXXX XXXXXXXX I understand that these accounts were charged off ; however, Under 15 U.S.C . 1681 ( e ) ( b ) of the Fair Credit Reporting Act, information on a consumers credit report must be accurate and up to date. If this debt has already been written off as a loss and claimed on taxes, why is it still being reported on my credit file? ( i paid for XXXX XXXX to be paid as agreed but they accepted my gift and wrote it off on their taxes and stil report derogatory on my report i need a refund ). A charge-off should be recorded only once, and continued reporting may be inaccurate. 

Additionally, since it is a charge off a 1099-C Cancellation of Debt was issued for this account, & I should have received a copy. I never received one, which raises concerns about the legitimacy of this reporting. If the debt was canceled or forgiven, it should no longer be negatively affecting my credit report, and for tax purposes I need those documents. 

I am requesting a pay-for-delete agreement or a permanent removal of this charge-off from my credit report with monetary relief for the damages for seriously harming my lively hood and chances to buy a home. I expect to get a response swiftly.
Product: Debt collection

XXXX XXXX to Capital One is paid and closed. Capital is refusing to remove this item off my credit report.
Product: Credit reporting or other personal consumer reports

Hello, MY name is XXXX XXXX XXXX DOB : XX/XX/year> SSN : XXXX my auto loan With XXXX ( account number : XXXX ) is being reported as {$18000.00} but its actually {$110000.00}. I guess someone made a mistake by leaving of an extra XXXX. On XXXX and XXXX its being reported correctly. But somehow Transunion is the only XXXX with this error. please help me correct this.