23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I file this complaint in expectation that you will review the circumstances resulting in an escrow shortage on my mortgage and provide me with the assistance I need to obtain a solution of adding the escrow shortage to the backend of my loan. I have made several attempts to speak directly with a Loan Depot decision-maker, however, no one has returned my calls and the over-the-phone representatives will not provide me with any direct contact information for a Loan Depot decision-maker . 

The issue at hand is : I have been informed by Loan Depot that I have an escrow shortage for real estate taxes in the amount of {$6500.00}. I believe this shortage to be an administrative miscalculation error and I agree that I do owe Loan Depot the entire shortage amount. The problem is : I am not financially able to repay the {$6500.00} in total or in payments. I have no liquid assets and the proposed increased monthly payments exceed the regulated debt-to-income ratio. 

Due to this administrative miscalculation of my property taxes during a Loan Depot refinance, I am requesting Loan Depot to modify my loan to reflect a monthly payment within the regulated debt-to-income ratio. The following is a detailed, yet, succinct chronicle of what lead to this administrative miscalculation : Loan Depot is the originator of my XX/XX/XXXX mortgage for a newly constructed 55+ Tri Ponte Homes home. My initial monthly payment was {$1900.00} with an interest rate of 5.25 % and an escrow payment of {$720.00}. 

In XX/XX/XXXX, I applied for a Loan Depot cash-out refinance so that I could landscape the propertys backyard. I was told it was too early to do a cash-out refi, but, my monthly payment could be lowered. That refi resulted in a monthly mortgage payment of {$1600.00} with an interest rate of 5.875 % and an escrow payment of $ XXXX. 

In XX/XX/XXXX, I attempted, again, to get a cash-out refi to landscape the propertys backyard. I was told that it was still too early to do a cash-out refi, but my interest rate could be lowered and I could get a few XXXX dollars back. That refi resulted in a monthly mortgage payment of {$1600.00} with an interest rate of 4.99 % and an escrow payment of $ XXXX. 

During the first and second refi, there was an administrative miscalculation error* of the property taxes even though the original note withheld the correct amount for the property taxes ( {$720.00} ). It is a mystery to me how that error was made. At that time, I remember thinking, that maybe my property taxes were being paid-off in advance. I made a comment to my loan officer and he said he would look into it and make any corrections needed. 

Subsequently, in XX/XX/XXXX, I applied for a third time for a cash refi from Loan Depot, but my application was denied because my XXXX score was off by a point or two. Thereafter, in XX/XX/XXXX, I applied for a {$50000.00} HELOC from XXXX XXXX XXXX and it was approved. The propertys landscaping is now completed and I am current on my HELOC payments. 

In closing, again, I make the request that my loan be modified by adding the escrow shortage to the backend of my note, along with lowering my interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  XXXX Acct # XXXX 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 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 than 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.
Product: Credit reporting

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

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

These personal information are not mine please update everything!
Product: Checking or savings account

On XX/XX/2022 I authorized Chase to pay a bill recipient XXXX via online bill pay. Chase debited my account and according to its system sent a paper check to my bill recipient. The recipient says they never received the check. Chase refuses to provide me with any information to show the recipient has actually cashed or recieved the funds from the paper check. The only documentation Chase will provide me is a proof of payment that is limited to showing that I initiated the payment and an estimated payment date. I can't get any information as to whether the check was cashed, by whom or into what account. I spent XXXX on the phone with customer service and various departments and in the branch. While the fraud department did tell me that they could see the information as to what acct cashed the check that they could not directly send me that information and sent me to customer service, who told me proof or recipes information was not available. I want to be able to direct my bill recipient to where the check might have been cashed and only Chase knows that information and they won't tell me, despite having taken the money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in deleting fraudulent accounts from my credit report. After reviewing my credit reports from the three major bureaus ( XXXX, Equifax, and XXXX ), I noticed the presence of three fraudulent accounts which have severely impacted my credit score. 

The fraudulent accounts are as follows : XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX I have reason to believe that these accounts were opened fraudulently without my knowledge or consent. I have never had a credit card with XXXX XXXX or XXXX XXXX XXXX XXXX, and I have never authorized anyone else to open accounts on my behalf. 

I firmly believe that I am a victim of identity theft, as I have always exercised utmost caution in safeguarding my personal information. However, despite my best efforts, I have fallen victim to this sophisticated scheme. The perpetrators have evidently manipulated and altered my personal information to create these fraudulent accounts, which is why I had not noticed them until now. 

As a result, my credit score has been negatively impacted, and I have been denied credit and other financial services. This has caused significant stress and hardship in my life. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. I am also aware that the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies within 30 days of receiving a dispute. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate these fraudulent accounts and require the credit reporting agencies to delete them from my credit report. I also request that you take any necessary legal action against the individuals or entities responsible for opening these accounts fraudulently. 

I appreciate your attention to this matter and look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I requested an extension on my car loan with Santander USA. Per my phone conversation with Santander I was approved for the extension and they informed me it would NOT report negatively to Credit Reporting agencies during this timeframe, but it was reported negatively from XX/XX/XXXX-XX/XX/XXXX. Santander USA refused to update the CRA 's and provide me with an itemize statement of charges and fees from XX/XX/XXXX-XX/XX/XXXX. 

The remaining car loan balance of {$12000.00} reporting to all 3 CRA is incorrect. The remaining balance should be around {$8700.00} In XX/XX/XXXX, I previously setup payment arrangements in XX/XX/XXXX due to being involved in bad car accident I was unable to pay. I called Santander and a  representative advised me 3 months of car payments would be pushed to the end of my loan, but it was NOT my car was repossessed 3 days before the due date Santanders representative provided me with. 

I have called several times and mailed two Goodwill letters to get these past due delinquencies ( XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX- XX/XX/XXXX ) updated with Santander and removed from all 3 credit reporting agenices as they they were reported as past due in error.
I have attached the extension letter from XX/XX/XXXX extension.
Product: Credit card or prepaid card

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate accounts.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 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 than 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.
Product: Student loan

Firstmark Services has blocked my phone number and will not respond to my emails after asking for a settlement. I called them 32 times where they hung up on me every time. I found out today that they blocked both my e-mail address and phone number. I have no way of getting in contact with them and don't know how to proceed with the settlement offer or even how to pay them. I would like to be able to call them to talk about my settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries in my EQUIFAX credit report that Ive previously disputed with the bureau and dispute wasnt resolved in my favor and EQUIFAX verified inquiries to be accurate which is not true. Ive contacted all lenders of which inquiries I dont recognize and I let them know about possibly fraud. XXXX confirmed they will investigate and contact XXXX remove fraudulent inquiries and no action has been taken further. 
XXXX also sent letter confirming inquiries would be removed which I received XX/XX/2022. 
List of fraudulent inquiries : 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 I would like CFPB to help me resolve this issue and restore all damages done to my credit by fraudulent inquiries which I never authorized
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : 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 Experian : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following Accounts, US Department of Education US Department of Education, US Department has violated my rights pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, states validation is requested.

Pursuant to 1006.34 Notice for validation of debts. A debt collector must provide a consumer with the validation information required by paragraph ( C ) ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. 

( ii ) The consumer 's name and mailing address. 

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. 

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 

( v ) The name of the creditor to whom the debt currently is owed. 

( vi ) The itemization date. 

( vii ) The amount of the debt on the itemization date. 

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 

( ix ) The current amount of the debt. 

Pursuant to 685.215 Discharge for false certification of student eligibility or unauthorized payment. 

If the borrower 's name is on the loan application or promissory note without the borrower 's authorization ; this action qualifies for a discharge of false certification.

Unauthorized payment. The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a Direct Loan if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, Ive been unable to get my credit report or score from XXXX and experian. 

Ive called and Ive emails. To include. Ive even submitted my drivers license to the specified website that they requested me to upload it on several times. 

After several phone calls to them, I am still unable to have this issue resolved as we move into XXXX I am requesting immediate attention be given to this, as it is preventing me from doing things related to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 I submitted a dispute with lexis nexus for a auto claim record. This record does not belong to me but my ex husband and we were divorced at the time. I received a letter that said it would be deleted and 6 months later its still on there.
Product: Credit card

On XXXX XXXX, I was offered to spend XXXX and get XXXX Membership rewards points. On XXXX XXXX, I called to confirm the offer. They confirmed with me and told me it was the last date to meet the XXXX dollar purchase requirement. Today I called again. Now they are telling me it 's XXXX purchase requirement.
Product: Debt collection

Thank you for reviewing the complaint. After reviewing the credit report choice recovery which is collecting on behalf of unfamiliar source continues to place items on the credit report. Requesting validation of all information pertaining to the amount displayed.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but it is incorrectly listed as on my credit report. 
- Incorrect NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Mortgage

On XX/XX/XXXX I submitted a modification package to Nationstar Mortgage. I was assigned to a single point of contact at Nationstar. On XX/XX/XXXX I was informed that Nationstar had received all the documents except for XXXX items which were the rental receipts for the rental property and the mortgage statement for my primary property. These items were sent to Nationstar on XX/XX/XXXX. On XX/XX/XXXX I was informed by Nationstar that they did not receive these documents and the file had been closed. The items were sent to Nationstar by email to XXXXXXXXXXXX and I received a verification email from them that it was received on that date. 

The documents were immediately sent back in and the case was reopened only to be told a week later that it had been denied because the investor who owns my loan does not do modifications for rental properties. Why did Nationstar Mortgage make me go through all the motions of sending in all my documents, asigned a single point of contact and have numerous conversations with me over that time if they were going to only end up denying the loan modification. 

The property is almost 200 % underwater with it only being worth {$520000.00} and I owe Nationstar over {$800000.00} for the property. The very fact that I still want to continue making payments to them when I will probably not have any equity in the home for years to come shows how committed I am to keeping the property and maintaining the payments. 

I was also told that investor is an anonymous entity that I can not even have the chance to appeal my case to and that is why I am turning to the Consumer Financial Protection Bureau to investigate my case.
Product: Debt collection

I was just informed during a telephone call that I made to XXXX XXXX XXXX by a supervisor by the name of XXXX XXXX, that they are attempting to collect a debt of {$800.00}. My credit report states that the alleged debt is {$770.00}. She then also stated that there was some other {$25.00} charge.The telephone call took place at XXXX central time. It was also stated the 3 times I was placed on hold that the call can be recorded or monitored. It also turns out that she confirmed that the account was opened with them on XX/XX/2019. I had no knowledge of this due to them not stating who they were on the telephone when they contacted me some weeks ago. I did tell them to only contact me by mail. And they did, BUT they sent the documentation to address I have not been associated with for the past 2 years 5   months. It also turns out that XXXX XXXX stated that the debt was bought by them from the original creditor Pendrick Capital Partners II. I do know for a fact this debt did also come from a company called XXXX XXXX  before the date that XXXX XXXX XXXX on XX/XX/2019. When the accout was in the hands of XXXX XXXX  it had gotten deleted due to not being able to Validate the debt. Pendrick Capital Partners is a debt purchasing company, not the original creditor of this debt. If the Original creditor is no longer attached to this debt and can not be validated this item need to be removed IMMEDIATELY. Thank you.
Product: Mortgage

Newrez, the mortgage lender, securely messaged me in XX/XX/year> stating they have an uncashed refund check that was issued in XX/XX/year>. I requested that the reissue the refund check and ensure that my contact name and residing address is correct. Newrez issued a new check but did not change the endorsing name to my legal and correct name and they can not confirm where the check was sent. They stated they can not reissue the check as it was cashed on XX/XX/year> but the check was not signed by me personally nor was this check ever within my possession or received
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX This account has been charged off and sent to an outside collection agency. I have asked numerous times for the said company to send me a Debt validation letter to show the amount of said owed account. This company has never done so. I do not owe the amount shown on this account is reporting frivolous. I'm asking for my credit bureaus to be updated, removing this from my credit report immediately. 

( copy of the letter sent to the creditor ) This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation, '' that is, competent evidence that I have some contractual obligation to pay you.