23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

87th REQUEST re : account # XXXX XXXX XXXX and XXXX # XXXX emailed to XXXX, XXXX, XXXX, XXXX Good morning XXXX XXXX XXXX  : This replies to your XX/XX/XXXX, XXXX XXXX  attached email ( Nissan Owner Services, Nissan North America , One Nissan Way , XXXX, TN XXXX, ref : XXXX : ref ). Please immediately return email all duly executed legal documents Nissan used to create my ( fraudulent ) lease obligation. Furthermore : After my 18th email request for a copy of all duly executed legal documents Nissan finally emailed Fri, XX/XX/XXXX, XXXX XXXX, XXXX and later Mon, XX/XX/XXXX, XXXX XXXX  : Dear XXXX, Thank you for contacting Nissan. To discuss your Nissan Motor Acceptance Corporation account, please contact an NMAC Representative Nissan refused to email requested duly executed legal documents creating the alleged lease obligation. 
Additionally, XXXX XXXX XXXX emailed : Fri, XX/XX/XXXX, XXXX Case # XXXX, Tue XX/XX/XXXX case # XXXX @ XXXX, # XXXX @ XXXX and Case # XXXX XXXX, XXXX, XXXX : Dear XXXX XXXX, Thank you for contacting Nissan regarding the finance questions you haveplease contact Nissan Motor Acceptance Corporationso they can address all of your questions related to your private financial information. Again Nissan refused to email requested duly executed legal documents creating the alleged lease obligation. 
Please immediately email XXXX all legal agreement ( s ) you manufactured to establish your falsely alleged, account # XXXX XXXX XXXX, lease obligation. 
XXXX  on XX/XX/XXXX credit report # XXXX, having not emailed the above Nissan legal agreement ( s ) you expanded your supporting corruption with this false statement : " ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' I never made this statement as falsely alleged by XXXX. 
XXXX  you further obstructed with this statement " if you believe this information appears on your Credit Report as a result of identity theft ... Report # XXXX ''. 
XXXX and XXXX, please be advised of pending damages resulting from your XX/XX/XXXX false credit reports to XXXX XXXX XXXX  XXXX. 

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

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I took Covid 19 Forbearance program because of the uncertainty and problems that the world was in. I have been trying to get out of the Covid Forbearance since XX/XX/2021. There have been a lot of hoops and limitations on information I have been able to receive. Even though XXXX XXXX very thoroughly spells out the process and information I should be provided in the lending guidelines. 

I eventually got talked into going through the Covid Flex Loan Modification process. They sent a few quotes but they were not straight forward on the information that should have been provided according to XXXX XXXX. Eventually to get my answers I was told I would have to complete the trial payments before I could speak with someone on the details of the XXXX XXXX Covid flex modification. I did complete those payments and received the packet for that modification. The problem is that the number 's did not seem correct. They did not clarify those numbers and they should have been based on the guidelines. 

Those 3 payments were made in XXXX, XXXX, and XXXX. I received the modification documents in mid XXXX saying to have them signed by the XXXX. On XX/XX/XXXX I reached out to my Shellpoint point of contact to get these numbers explained. I was told I would have to talk to a specific supervisor. But reaching them has been next to impossible. That issue seemed to be that these supervisors would call using an automated computer system and my cell provider flagged them as suspected spam because they would not leave a voicemail. Even when specifically put in the call back request to leave a message and send me an email. 

Even when I did talk to a supervisor they needed a different department 's supervisor to explain details about the actual numbers. Which has been impossible to reach. 

My point of contact was able to talk to them an email some of those details. But those numbers physically did not add up correct which was the problem I started with. Besides that I have different starting numbers calculated. 

And through this whole time they have reporting to the credit agency as if I had not made any payments since XXXX. Which is clearly untrue since they have acknowledged the trial payments but does not appear to have processed them correctly. Now having them report the loan is in modification is one thing but now reporting 3 months in a row that I have essentially not paid anything since covid forbearance started is a very different report. 

I have talked to a supervisor about this issue and they did say they would get this sorted out in a few days. That was a month ago. 

Because of all the delays I was worried that I should make a payment. My point of contact advised that I make another trial period payment. Which we did on XXXX XXXX. 

No updates, no supervisors calling, nothing. 

Now I am getting mail saying that I am in default.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have 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  XX/XX/2023 XXXX XXXX, XX/XX/2023
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a copy of my credit report and noticed that there are accounts listed fraudulently. I have filed a police report for Identity theft and a FTC complaint as well. I do not know how these companies got my non public information and now they are furnishing inaccurate information. This has caused extreme damage to my overall creditworthiness. Here are the accounts I am referring to XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX. None of these accounts are verified and I want them removed immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

Request for Credit Inquiry Removal Incorrect address Incorrect credit Report. 

Dear XXXX, I am writing to dispute an unauthorized or inaccurate credit inquiry on my credit report. Below are the details of the investigations in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized inquiry, no credit application was submitted I did not authorize this inquiry, nor did I apply for credit with the company mentioned. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inquiries that I believe are unauthorized or inaccurate. Also, the addresses listed on my credit report are incorrect. 
I kindly request that you investigate this matter and remove the inquiry from my credit report if it is found to be invalid. To assist in your investigation, I have included the following documentation : 1. A copy of my credit report with the inquiry highlighted. 

Please notify me of the results of your investigation as soon as possible. I appreciate your attention to this matter and look forward to your prompt response. If you require additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called self on XX/XX/2022 after trying to keep up with my loan. I explained I am currently experiencing hardship. I asked to close my account and receive a refund of monies sent ( {$600.00} ), I also asked about negative reporting. I was told that due to hardship my request would be approved, I would receive a check after 15 business days and no negative reporting would be made. However, I never received the funds and I was reported negatively. I called again. I spoke with a rep who advised he could not cancel a payment. I did not call in for this reason so clearly the rep did not understand the reasons for my call. I did reiterate the reasons he then claimed I would be charged and would only receive a refund of {$400.00}. When I questioned the difference again he did not know why. I am going through hardship this is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is in response to your recent claim that XXXX   XXXX XXXX XXXX XXXX XXXX ( XXXX ) has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/ to update/correct this suspicious information. I think you have not validated these accounts and I will pursue legal action against you. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 or other personal consumer reports

I sent in multiple dispute letters on inaccurate information on my credit report and they either tell me they dont think its me sending the letters when i was sending them XXXX certified mail. than when i would do the dispute direcly throught their web site they would not do a proper investigation and just claim that the information was verified without telling the procedure they used to determine the accuracy and completeness of the items on my report
Product: Mortgage

We got behind on our house payments, because we used HERO  to put a roof on our garage, which raised our property taxes by {$2000.00} a year. We did not have an escrow account with our mortgage company to pay for property taxes. We paid them on our own. We didn't realize that the HERO program would have first lien on our property and that they could foreclose if we didn't pay them first, that was not explained to us, which caused us to fall behind on our mortgage. We were forced to file a Chapter XXXX bankruptcy to keep our home. ( We have since paid off that HERO loan ) .That being said, in XX/XX/2017, we changed homeowner 's insurance companies from the The XXXX XXXX to XXXX XXXX. My new insurance agent with XXXX sent Lakeview Loan Servicing, our mortgage company, a letter stating the change. Apparently, in the meantime, The XXXX sent Lakeview a letter stating that our insurance with them was terminated. Around XX/XX/2017, I noticed there was a {$250.00} charge in the escrow section on my mortgage loan with Lakeview. I called Lakeview to find out what that was for and was told it was for homeowners insurance. I told them I had insurance and that my insurance agent notified them of that. She said they didn't have any record of it and had tried to call me several times, but I don't answer calls from numbers I don't know unless they leave a message. No message was ever left. If a message had been left, I would have called right away. The person that was helping me, got the phone number of my agent, she called him, verified that I did have insurance and told me the {$250.00} would be removed and the next monthly statement would reflect it. When I got the following month 's statement, the {$250.00} was still on there, so I again called and the person I talked with, verified that I did have insurance through XXXX and she would make sure the {$250.00} was removed. The next monthly statement came in with the {$250.00} still in place. I called several more times and each time I talked with someone, they verified I had insurance through XXXX  and I was assured it would be removed. This has been going on for 2 years now. I spoke with my attorney about it and he wrote a letter to Lakeview and was told it would be removed. It STILL has not been removed. This is affecting my payments with them, making it look like I am behind and I am not! I have never been without homeowners insurance. There has never been a lapse in home owners insurance! They know I have it, yet they refuse to remove it from my escrow account.
Product: Credit card or prepaid card

I recently applied for a Chase credit card twice, last time I applied was XX/XX/20 and the application was pending. I called them morning of XX/XX/20 and I was told that my application was declined, they said I will receive a letter in the mail with further details on why they declined the application. Then I found out that they put a red flag under my name to not allow for Chase to issue me credit cards. I have excellent credit, and I don't see any reason why I should be declined for credit or have a red flag under my name.
Product: Debt collection

LVNV FUNDING has not been unable to validate the debt the company has been inaccurately reporting on my XXXX credit report since XXXX XXXX multiple validation request letters have been sent to LVNV funding since XXXX when this debt buyer company began reporting on my credit report. Over the course of five years, I have received no formal validation from LVNV FUNDING verifying the original creditor balance, a statement of all added interest and fees that LVNV FUNDING has added to their reporting or proof that this debt belongs to me. Due to these inaccuracies, this debt has been removed from both XXXX and XXXX since XXXX. LVNV funding continues to report this unvalidated debt to XXXX. Most recently, LVNV funding reported a balance of {$1300.00} as of XX/XX/XXXX and upon my dispute of this debt with XXXX directly, LVNV FUNDING has since increased the reported balance to {$1400.00} as of XX/XX/XXXX. In one month, LVNV FUNDING has tacked on additional inaccurate amounts without any validation. The reported amount has consistently changed, fluctuating without any explanation since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 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 which antedates the report by more man seven years 15 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 the Information is inaccurate.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am writing after getting a copy of my most recent consumer report from Experian dated XX/XX/XXXX, XXXX.The incorrect reporting of the XXXX XXXX account showing a Late Payment is violating my Consumer Rights. 

Please see the attached credit report showing the late experience currently impacting my creditworthiness. 

Please note : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions and experiences should NOT be included on my Experian consumer report.

I am NOT seeking remedy at this time.

Please reverse your reporting of this late payment to show pays as agreed or OK to restore my credit profile to Exceptional status.This inaccurate reporting is directly affecting my credit worthiness, standing, personal characteristics and my ability to obtain credit. 

Please provide me with an updated report by mail at my address on file with the bureau
Product: Money transfer, virtual currency, or money service

Sent money on XX/XX/XXXX to an employee through XXXX by way of Zelle. The phone number entered belongs to said employee however {$1200.00} was deposited into an unknown person 's account. The unknown person does not own the phone number in question and the employee who was to receive the monies registered the phone number with her bank. Contacted XXXX who said Zelle sent to right number there is nothing they can do and gave me number to contact Zelle. Zelle says can not file claim with them, must contact bank. Called XXXX back, they reiterated it is a Zelle issue they can not help further.
Product: Credit reporting, credit repair services, or other personal consumer reports

For one i have multiple. Inquiry within the grace period. That all should be counted as one. 30 days i do believe. Or 15 either way it's in that time period. Secondly I've only approved one to run my credit. The others should not have ran my credit so. Idk why i have 3 others. I need these removed immediately because now it is affecting my credit and makes it look like I am searching for more credit when I'm not I'm trying to build my credit and this is messing with it I only approved one not four
Product: Credit card

XXXX closed my account after already decreasing my credit limit after I'd paid the card off twice!!! The reasons they disclosed have nothing to do with my account with their company and shouldn't be used to close my account when it has remained in good standing.
Product: Debt collection

IMC Credit Services made a second phone call to my place of employment today XXXX XXXX XXXX, XXXX ) from the phone number XXXX after I already filed a complaint on XXXX XXXX, XXXX. Their response to the original complaint was that they would cease attempting to contact me at my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in XX/XX/XXXX. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my XXXX account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX