23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2016 Nationstar sent me a letter in CFPB case number XXXX stating they needed the following documents : new RMA ; two months proof of income ; quarterly profit and loss ; proof of occupancy. I faxed all of these documents to their modification department at XXXX promptly on XXXX XXXX, 2016 and kept the fax receipt. Nationstar responded in CFPB Case number XXXX that they, " ... uploaded these documents to my review file on XXXX XXXX, 2016 ''. 
Since then they have sent me letters stating they need the same XXXX documents on XXXX XXXX, 2016 and on XXXX XXXX, 2016. In between these letters I received a letter on XXXX XXXX, 2016, stating all that was needed for my modification review was a new Dodd- Frank Form and Proof of rental income. This can be verified in CFPB case number XXXX. I have submitted these documents as well. 
All of this pattern of fraud has happened after Nationstar requested the same document ( profit and loss statement ) five times in a XXXX month period between XX/XX/XXXX and XX/XX/XXXX. I submitted profit and loss statements all 5 times which is noted in case number XXXX. 

Furthermore, Nationstar initially denied trying to foreclose on my property while under review for a modification ( dual tracking ) until I submitted proof of the sale dates to the CFPB and only then did they admitted setting sale dates in CFPB case number XXXX. Nationstar 's continued response for years is that they do not have a complete document package to review despite now admitting they have uploaded the documents they request. This is dual tracking or loan modification fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems has false information on my report that I have fairly attempted to resolve with them and been unable to do so. There is a blatantly false and misleading entry stating that I wrote bad checks on an account for XXXX ( an account that was shut down during bankruptcy while checks were outstanding ), and this did not happen. Their investigation took the company at its word and did not properly investigate this false allegation. ChexSystems has wrongly claimed to have verified the information leaving me with no available remedies
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account 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. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I review my credit report constantly due to being an identity theft victim several years ago and notice that I still have 5 collection accounts that have never contacted me by mail or phone. One is for XXXX XXXX which was my ex husband 's accounts. Every complaint I make results in immediate contact by the collection company. It has been several years and at this point have done everything to prove I am a victim. This ruined My life way to long.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit bureau as well as XXXX are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw TransUnion and XXXX credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE : This is documentary evidence XXXX XXXX XXXX, registered agent has received the Court order that is issued in the United States District Court for the Southern District of Florida XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TransUnion, LLC.,. Case number : XXXX. In addition, ( Plaintiff ) has complied with the order by way of forward a copy of the Court order to the defendant ( s ) ( TransUnion, LLC. ). Please see attachments. Thank you for your timely cooperation. XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

KikOff told me to file a claim with CFPB to get the account removed, after filing the report, they denied the removal. KikOff asked me to provide a police report, after providing the police report they still denied me. Now I'm asking KikOff to send me the proof that they have as a last resort, and after that I'll be forced to take them to court. KikOff report fake tradelines to the consumer credit agencies in order to give unworthy people some type of primary tradeline that they do no deserve. KikOff operates under unethical business practices and no matter what documents you provide they'll do their darndest job to have the victim at fault. All KikOff had to do is look at the police report number provided and they would see that the man that stole my purse at XXXX XXXX was released in XXXX. Not only that but a XXXX swap was done to my cell phone and I couldn't use my cell phone for a week and a half. All my email accounts were stolen and even my bank account was used to open a XXXX XXXX Credit card in my name all in XXXX between XXXX and XXXX. Please provide me with the documentation that you guys have that says that I'm responsible for this account and I need these docs within 10 days or you need to remove this tradeline from my consumer report ASAP. 

XXXX is saying that XXXX XXXX did 5 parent plus loans under my name. My name is XXXX XXXX not XXXX XXXX. I need a document with my signature showing that I approved 5 parent plus loans. I need these documents in 10 days or this account needs to be removed from my consumer credit report ASAP
Product: Money transfer, virtual currency, or money service

I explained to the representative that I sent money to the wrong person and I had no way of contacting this person and could they please reverse the payment and put the {$70.00} back into my chime account and I filed a dispute but they still telling me I may not get my money back
Product: Mortgage

I refinanced my home in XXXX XXXX to remove my XXXX husband 's name from my property after the divorce was final in XXXX XXXX. 

I was told by Wells Fargo that I had to hire a third party appraiser, XXXX, out of my pocket, {$550.00}, which I really did n't have that amount to spend at that time, but checked with my realtor first to make sure that my house would appraise for 80 % of my current loan amount which has been paid down the past 2 years. Since I was reassured by my realtor that my home would appraise and meet the 80 % LTV ratio, I went for it - and was denied. 

I was then told I need to come up with upgraded receipts to equal the amount of {$15000.00} in upgrades. I confirmed with the woman I was speaking to about these receipts and was told that I could use receipts for all upgrades from when I originally purchased my home in XXXX, prepare a detailed spreadsheet of dates, consumer name, product, and price, and detailed letter of why I want my PMI removed. For the record, I 've never been delinquent on any mortgage payment or any other payment. 

Today, XXXX XXXX, XXXX, I was denied-denied. Wells Fargo will not use the XXXX XXXX appraisal because they will be using the XXXX XXXX appraisal which is less since my property value has increased. Furthermore, I can not use any upgrades to my home if they were completed before my XXXX XXXX refinance. Just getting out of a divorce which took me 20 months to get out of divorce debt, how could a single woman making a minimal salary pay {$15000.00} in upgrades? So all the upgrades to my property do n't matter? 

I contacted XXXX, the actual appraiser, and he knew that I was doing this appraisal to remove my PMI only and he could not understand why Wells Fargo refused to use the most current appraisal which is what they should have done because what they are doing does not make sense, I.e., using a 2-yeaXXXX old appraisal. It 's just unrealistic. 

I spoke with my case worker who will remain unnamed at this time @ Wells Fargo Home Mortgage and demanded a refund of {$550.00} since they had no intention of using this appraisal when they had every intention of using the 2-year old appraisal, which makes no sense at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX  company is getting away from. Reporting inaccurate FRAUD Government. By reporting inaccurate. Whenever this company responds incorrectly due to these going disputes. Last over 120 days Which has effect my credit rating notice scores .DROPPING.. the credit reporting hasn't reported correctly for quite sometime. .whenever they respond incorrectly. The credit bureau records. Decisions decreed reporting. DONT. Change. I'm bein. Denial for All CREDIT LINES Purchases. This account PAID OFF. When go out and apply for lines credit Been told been turned down not just has it has. affected my scoresit effects INQUIRYS. 25 months HARD credit. Credit bureaus. Try. Having these. Disputes. I DONE 1OX. I HAVE. PROVIDED All NECESSARY DOCUMENTS. BILL.S ALSO THE ORIGINAL OWNER for this AUTO. XXXX XXXX. WHOM. HAS NOTICED HIS account AlSO Recently ( CHANGED ) DECREASE FROM. this. inaccurate. REPORTING from this company l tried using his account fas. EVIDENCE used on an ongoing Dispute Creditt bureau companies. .Whom made changes on his. Account. Without. Give him Proper. Warning. NOTICE changes occurred past this. ( XXXX ) XXXX  CHANGED decision .DECREASING HIS. REPORTING RECORDS FROM THIS company XXXX XXXX Everyone is. Speaking about credit bureaus inaccurately. Report grading. Wonders.is this.technique stunt is bein used. by preventing people for applying for ANY LINE CREDIT. XXXX XXXX account been turned over to ATTORNEY GENERAL .formal worker, veteran bein. denied for Credit Document. PROVIDED SHOWING ACCOUNT. PAID OFF. SOONER. AGREED.UPON. THE. BILL HISTORY Attacks belo NO late payments Mades. All on times. NOTICE.CREDIT BUREAU REFUSED changed anything that needs reporting also notice. Are Grades DECREASED .PREVENTED ME FROM, REACH NESS goals life. SCORE NEEDS PURCHASE HOME NOR RENT. I letter payin Experian other SELF Reporting DEVICES STILL CAN NOT REACH.SCORES FICO. SCORES NEEDED HIRED CREDITS. SPECIALIST. WHOSE NOTiCE. CREDIT BUEAUS. ASWELL WHOMS. Seems be HELPING. XXXX XXXX l company 's. Fraud Government with helping of credit bureaus
Product: Credit reporting or other personal consumer reports

After a careful look at my credit report, I found several inquiries from your company that I never approved.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from State Employees Credit Union. 

According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''.

Account Name : State Employees Credit U Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave State Employees Credit Union WRITTEN INSTRUCTION to report information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSWORLD SYS INC/51 has a medical account for XXXX XXXX in Delaware. I was unaware of this past account until it showed on my bureau. I called to inquire about it on XX/XX/21. I spoke to a representative on that day and also paid the total amount owed ( {$180.00} ). As of XX/XX/21 the account was paid in full and I received a confirmation number # XXXX. The account was reported as past due again on XX/XX/21. I called the company again on XX/XX/21 and spoke to XXXX XXXX who indicated that the account was still open and did not see my payment. She indicated that she saw that I called in but the person that took my payment did not note my account. I checked my account and the money was taken out of my account on XX/XX/21. She indicated that her manager told her to put my account in dispute because they have to look for my payment. This is unfair treatment and this account should not have been reported to my bureau as past due since it was paid. It also should not have been reported if I was not even aware of this past due balance in the first place. I never received any form of communication from this company. The rep told me that I would need to call back in a few days because it is not known when this issue will be fixed. Again, unfair treatment and inaccurate credit bureau reporting. In the mean time, I am negatively impacted. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax XXXX : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Mortgage

BACK IN XXXX TO XXXX I BEEN HAVE TROUBLE WITH WELLS FARGO HOME MORTGAGE SO I START SEND WELLS FARGO COPY OF 12 MONTH OF BACK STATEMENT SO WENT I SEND WELLS FARGO ONE YEAR WELLS FARG COME UP WITH SOMETHING ELSE SO SO BACK IN XXXX AND XXXX I START SEND THEM 2 PAYMENT SO IN XXXX THUR XXXX I SEND THEM 2 PAYMENT A MONTH THIS WAS XXXX AND THEN MY PAYMENT WENT FROM XXXX TO XXXX TO XXXX NOW MY PAYMENT IS XXXX SO I ASK WHY WELLS FARGO CLAIM MY TAX AND INSURANCE SO I CHECK INTO THE ASSESSOR AND MY TAX IS ONLY XXXX A YEAR IM TAX EXEMPTION AND MY INSURANCE WENT UP ONLY XXXX A YEAR MORE SO SOME THING WENT WRONG WITH WELLS FARGO SO THEN I ASK FOR AND MODIFICATION AND I WAS TURN DOWN AND I ASK WHY I WAS TOLD MY XXXX XXXX WAS NOT AND HARD SHIP I WAS DIAGNOSIS BACK IN XXXX SO I TRY MY BEST TO KEEP ON WORK AND I JUST COULD NOT GO ANY MORE WITH XXXX I WAS TO EXHAUSTED SO NOW WELLS FARGO SO NOW THE XXXX XXXX IS BACK AND WELLS FARGO SAID THIS IS NOT AND HARD SHIP SO NOW IM TAKEN XXXX AND LIKE I EXPLAIN TO WELLS FARGO I DID NOT ASK FOR THIS XXXX TO COME BACK I WONT TO BE HER FOR MY XXXX KIDS SO I SEND WELLS FARGO COPY OF MY AWARD LETTER FROM MY CHILD SUPPORT AND MY PENSION AND IT MORE ENOUGH TO GET AND MODIFICATION WELLS FARGO IS VERY XXXX I NO AT LEAST XXXX XXXX AMERICAN THAT WELLS FARGO REFUND TO GAVE AND MODIFICATION TO WELLS FARGO WAITE UNTIL U GET YOUR LOAN LOW AND START HARASSING U SO IF MY CONDITION IS NOT HARD SHIP WHAT IS IM NOT ASK TO STAY IN THE HOME FREE. AND THEN I WAS TOLD BY XXXX XXXX, XXXX WHO IS THE POINT OF CONTACT FOR WELLS FARGO SAID ON MY CREDIT REPORT I HAVE AND CARE ON IT YES I DO LIKE I EXPLAIN TO XXXX XXXX XXXX THAT I DONT PAY FOR THIS CAR I TOLD WELLS FARGO THAT I CAN SEND THEM LEGALIZED NOTARIZE DOUCMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Mortgage

We have been asking for Wells Fargo to give us a modification. We submitted all of the documents that they asked from us. They assigned to XXXX XXXX and XXXX XXXX. We received a call from her 1st on the XX/XX/XXXX but when she called by husband was driving and was not able to pick up the call but when we tried to call her back she did not answer she called back again and said that she will call us again but we have not had a chance to talk to her. All we were told was that they are reviewing the file. In the meantime they scheduled a Foreclosure sale date forXX/XX/XXXX. This is what they have done for years of requesting for a loan modification. We submit our documents but they will not talk to us and let us know what is going on. 

We know they have worked with other homeowners with same situations. They gave them modification, they allowed the missed payments to be deferred and gave them payments that allowed them to be able to keep their homes. Why not us too? My husband still have XXXX and still working. Please help us get Wells Fargo to help us.
Product: Credit card

I joined the XXXX in XXXX of XXXX. I graduated in XXXX. I was introduced to apply for an XXXX card through my bank XXXX XXXX. I was stationed in Virginia and gave them my stationed address to send the card to however on XX/XX/XXXX with the help of my mother they finally told me that it was sent to my original address which is where my parents live. During this time my card was activated and used without my permission. I called multiple times telling them I never got a card and charges showing up on my account and requested that the card be completely closed. I thought they did but more charges were showing up. I had no idea they were sending replacement cards to my parents home in which case they never got any card sent to their home plus they don't open my mail. They allowed someone to run XXXX worth of charges on my card while I was in Virginia. I have tried to dispute the charges but they kept reversing the provisional credits therefore trying to make me responsible for these charges. I even was made to pay a total of XXXX toward charges I didn't make biggest reason because I never got a card. This has been going on since XXXX. Now they are giving me the run around trying to fix this. This is a clear case of fraud and they are refusing to do a proper investigation so that I'm vindicated. I spoke with a supervisor XXXX who refused to help me dispute charges over the phone. This bank needs to be held accountable for not safeguarding me against this fraud. She refused to give me the so called tracking number connected to the delivery of the cards so that I can see how it was intercepted. Please assist
Product: Debt collection

I owe Oportun for a loan. I was in an accident at work and lost my job. Right now I 'm temporary XXXX and not making any money. I 've told them this several time and they keep calling me and harassing me, and not only me, my friend have gotten several calls from them. That 's what makes me mad the worse. Please help me stop them calling me until I get a job back and be able to pay themy off. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information being reported on my credit report concerning an account with XXXX XXXX ( Account Number : XXXX ). I have noticed that this account has been marked as " charged off '' in XX/XX/XXXX, which is incorrect and adversely impacting my credit score.

To provide context, the account in question pertains to a car lease that ended in XX/XX/XXXX. The final payment for this lease was made in XX/XX/XXXX, and the car was subsequently returned in XX/XX/XXXX. There were no outstanding payments or issues with the account at the time of the lease termination. 

I recently discovered that XXXX XXXX has reported this account as " charged off '' in XX/XX/XXXX, which is inexplicable given that the account was settled and closed in XXXX. I have spoken to XXXX, a manager at XXXX XXXX XXXX, who confirmed that there is no apparent reason for this delayed and incorrect reporting. She advised me to file this dispute as she is not a credit specialist and unable to provide a detailed explanation for the discrepancy.

According to the Fair Credit Reporting Act ( FCRA ), information reported on a consumers credit report must be accurate and verifiable. The current status of my account as a charge-off is neither accurate nor verifiable, considering that the account was fully paid off and closed almost three years prior to this erroneous report.

Therefore, I am requesting that XXXX XXXX correct this error immediately by updating the account status to reflect that it was paid off in full as of XX/XX/XXXX, with no charge-off status. This adjustment is crucial to rectify the negative impact on my credit score and restore my ability to apply for new credit without undue hindrance.

Please confirm receipt of this letter and inform me of the steps that will be taken to correct this error. If you require any further information or documentation from my end to expedite this process, please do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.