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

I am writing to formally dispute the inaccurate and inconsistent reporting of my account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. After reviewing this account, I have identified several issues that violate the FCRA : XXXX. XXXX XXXX XXXX Credit Bureaus : The High Credit amount is reported differently across bureaus : XXXX XXXX Experian : {$4900.00} XXXX : {$5800.00} This inconsistency violates the requirement for accuracy in credit reporting under FCRA XXXX ( b ). 
XXXX. Conflicting Dates of Last Activity and Payment : The Date Last Active is inconsistent : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These dates are crucial for determining when the account should fall off your report. Inconsistent reporting violates FCRA 1681e ( b ). 
XXXX. XXXX XXXX of XXXX XXXX : The account is listed as Collection/Chargeoff on all bureaus, but it is noted in the comments that the payments are being managed by credit counseling XXXX XXXX XXXX counseling programs. 
If the account is being managed under a legitimate credit counseling or repayment program, it should not be marked as a charge-off. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( B ).

4. Inaccurate XXXX of XXXX and XXXX XXXX Amounts : The balance and past due amounts are consistently reported as {$2300.00}, which conflicts with the commentary suggesting credit counseling management. 
This could indicate a failure to update the account properly, violating FCRA 1681s-2 ( a ) ( 2 ). 
5. Reporting of Charge-Off After Payment Management : If the account is actively being managed by a credit counseling program, reporting it as Chargeoff XXXX be misleading and a violation of FCRA 1681e ( b ). 
6. Late Reporting Dates : The Last Reported date for Experian and XXXX is XX/XX/XXXX, which appears unnecessarily delayed for an account charged off years prior. 

FCRA Violations : 1. 1681e ( b ) : Accuracy of XXXX XXXX inconsistent balances, high credit amounts, and dates across bureaus. 
2. 1681s-2 ( a ) ( 1 ) ( B ) : Duty to Update and Correct Misrepresentation of charge-off status while account payments are being managed by credit counseling.

3. 1681s-2 ( a ) ( 2 ) : Duty to Update XXXX Promptly Failure to update the account status and balances correctly to reflect ongoing management. 
4. 1681c : Obsolete Reporting If the delinquency dates or charge-off statuses are improperly extended, it XXXX violate the XXXX limit for negative information.
Product: Mortgage

Not abiding by court filed agreement between my attorney and theirs. Read filing with court. 

Depriving veteran of entitled forbearance. 

House not included in bankruptcy. 

Veteransunited has been terrible. Customer service hangs up the phone on me and is rude because I filed for bankruptcy. 

Again, house not included in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX advisor, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/ to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX advisor that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.
Product: Debt collection

Mailed debt validation letter to National Credit Adjustors XX/XX/XXXX, received a response on XX/XX/XXXX that they needed 30 days to verify. As of XX/XX/XXXX I have not received any documentation on the debt being mine. I have called many times to get this debt verified and I am always transferred to voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio S Inquiry from XX/XX/2019 - Auto Financing I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.
Product: Credit card

In XXXX 2014 we moved from XXXX to XXXX. Capital One was notified as we used the card for travel expenses. Once settled we had a purchase that was refused by Capital One. Upon calling we were told that the card was put into fraud status. In numerous phone calls to numerous people across the XXXX and XXXX countries we were told to prove who I was by sending Capital One copies of both sides of my Social Security card, both sides of my drivers license and a paid utility bill. I refused as this is privilege information that should not be sent to anyone. I closed the account in early XXXX 2014 and requested a statement. This was refused until I sent in the information they wanted. We had paid all statements we had received from them in full each month and the last statement we had was for XXXX. This was paid in full. We also saved all of our receipts from the trip up and paid that to Capital One even though they would not send a statement. To this date we have never received a statement or any correspondence from this company. We found out when applying for car insurance and was turned down by XXXX company that Capital One was posting errorous information to the XXXX credit companies. They have listing our account as past due and have been charging {$35.00} a month, for what we do not know. We want Capital One to prove any unpaid items to us, reverse all these late charges and fees, correct all deliquent reports to all credit reporting agencies and send us a letter of apology. Until this is completed we will pursue all legal avenues open to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

unable to retrieve my files. They constantly told me they didn't accept my identifications despite the fact that I am not a XXXX resident and I do not possess any XXXX-issued IDs They never attempted to reach out to me to ask for another supplementary IDs. Always a canned response no disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The item has been on my credit report for seven years. According to the Fair Credit Reporting Act it should have fallen off my credit report. The company has falsely reported the account to the credit bureaus in an attempt to renew the debt in order to keep it on my credit report and cause damages. The account was closed and charged off. I don't understand the intent of their actions other than wanting to cause harm to me. I am unable to purchase any vehicle while this is on my report. It has been there for seven years and it is time to come off. I wrote to the company pleading with them to contact the bureaus to have it removed and they still refuse to do it. They intend to cause me long lasting damages simply because I had an accident and I was unable to pay them because of my injuries. Their motivation is simply to take revenge on me for my inability to pay. I am a XXXX veteran with severe XXXX. I have been trying to get my life back on track and purchase a new vehicle. I ask that the company finally remove this item from my report so I may move on with my life. I served my country faithfully and I do not deserve this kind of treatment. Please help.
Product: Credit reporting or other personal consumer reports

Inquiry for Credit card showing on credit report for XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/2023 I did not apply for a XXXX card because I already have one with the company. Please remove inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$7300.00} ; XXXX XXXXBalance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$630.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I called the loan company and asked if they had any plans in place to help me with my loan as I was furloughed due to COVID-19. I was  advised they would allow my XXXX payment to be added to the end of my note. I accepted that option as it was better than nothing at this difficult time. I began getting collection calls for a payment that was due on XX/XX/2020 but I was confused as that payment was not due per the finance company. I have talked to them multiple times as they call no less than 4 times a day for the payment and I was advised they should not have offered me any help it was a mistake. I explained I have a letter and I was advised I did not have to make a payment in the month of XXXX. I have tried and tried and have not been able to get anywhere with the company. Any help is greatly appreciated.
Product: Debt collection

I have received notification from XXXX XXXX XXXX that I owed medical debt from XX/XX/2017. The information in the letter I received contained misspellings of my name and referred to an ambulance company in XXXX ( a state I have never visited/been ). After researching the company and calling their customer service number, I learned that the information they have on me is incorrect and requested that they file a dispute. The company had reported this debt collection effort and I learned that it has affected my online credit score significantly The company requested I file a police report, however, the police department informed me that I can not file a police report if there was no financial harm/stolen property. The company then proceeded to send me more information about the debt to which I still can not file a police report. 

I have requested that the company allow me to dispute the debt but that has not happened as of today.
Product: Mortgage

I was issued a loan commitment letter from Wells Fargo on XX/XX/21 On XX/XX/21 XXXX XXXX nmls Id : XXXX notified that since my debt to income ratio was 41 % i would be denied for the conventional loan i given the loan commitment for although i was notified by another Wells Fargo mortgage representative that the dti ratio can go up to 45 % on their conventional loans. I feel as if Im not being treated fairly and would like some assistance in my case. My credit is a XXXX and i am first time home buyer. Throughout the loan i would be given a interest rate lock agreement thats supposed to lock my rate for 60 days however two weeks later i would receive a new agreement that they want me to sign where the loan interest rate increased from 3.25 % to 4 % and they just sent me another interest rate lock agreement as well. Im now in contact with Wells Fargo executive office and they are aware of my complaints and are assigning a specialist to look into my case the agent i spoke with name is XXXX employee Id number XXXX on XX/XX/21.
Product: Debt collection

I had XXXX satellite TV services they were no longer able to provide after I moved to locations the signal was not able to reach. I returned the equipment in the packaging they supplied, confirmed they received it and paid the final amount owed. Since then, XXXX continued to attempt collection, and repeatedly turns the account over for collection. The latest collection agent ENHANCED RECOVERY COMPANY, XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Reference No XXXX. About every 2-3 months, I 'm notified of another collection account and have to dispute it with the credit bureaus, who delete it until the next one pops up.This damages my credit history and scores, and necessitated time and aggravation while I needed to rest and heal while undergoing medical treatments. Please help to remove this incorrect information and hold these companies accountable for their inaccurate, sloppy and damaging practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX, CA XXXX, XXXX XXXX  XXXX  XXXX XXXX, CA XXXX, DEPTEDXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPTEDXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Consumer Loan

I have an auto loan through Huntington Nat'l Bank. The loan was opened in XXXX 2014. I carry full coverage insurance ( through private company ) on my vehicle, which Huntington is listed as lien holder, but learned today that Huntington is ALSO charging me {$40.00} per month for auto insurance. I have never missed a payment, been late nor had insurance lapse at anytime. I was informed by a Huntington representative, that that is just something they do to protect their interest. I do not understand this at all!!! My private insurance protects their interest!!! Is this legal??? Also Huntington informed me that my payoff amount is more than what the balance of the loan is. How can this be???? Every month that I make my car payment, according to XXXX, my balance is increasing {$51.00}, which is lowering my credit score! At this rate, the loan WILL NEVER be paid off. Please help me to rectify this situation. Thank you.
Product: Mortgage

I filed a complaint with your organization against my lender Nationstar/Mr. Cooper a few months ago. I was hopeful that Nationstar would understand my situation and agree to work with me towards a modified mortgage loan. Instead, Nationstar/Mr. Cooper has refused to negotiate and is claiming that there are no options for me other than deed in lieu or short sale. they are claiming this is due to the fact that the " investor '' only allows one loan modification over the 30 year life of the loan. Nationstar has not provided the name of the investor. they have not provided a copy of the pooling and servicing agreement. They have not provided documentation on the other loans in this tranche. This was a subprime loan with an interest rate that STARTED at 9.37 % and was written by XXXX. I would be ASTONISHED if this investor truly only allowed one modification per life of loan, because this was a toxic pool of loans that were adjustable with high interest rates. I am certain there have been multiple defaults and also many instances where there were multiple modifications. This appears to be an attempt by Nationstar/Mr. Cooper to obstruct me from access to government and internal programs that should be made available to homeowners in my situation. 

We encountered a true hardship in XX/XX/XXXX. My mother fell gravely ill and I had to travel to the XXXX XXXX to care for her. I was not able to work for several months while caring for her until she XXXX. Right when I returned my wife was laid off of her job so were financially strapped and that's when we fell behind. We attempted to work something out with Nationstar and could not make any progress. We hired a third party to help us and they did nothing. Several months ago we reached out to Nationstar to try and get them to complete a review because we have had a change in our financial circumstances. Nationstar ignored us, so we filed complaints and got their attention. However, even after doing that they refused to review this information. We are both working and have our adult children living with us who are contributing. I don't understand why they won't look at our information. Nationstar is claiming it is because we received a past modification and that the investor does not allow a second modification. I do not recall receiving a modification in XX/XX/XXXX. I do not recall an offer for a reduced interest rate and reduced payment. We were told on the phone that it looked good to qualify, but then on a future call that person was no longer working there and they told us no, it did not look like that option would be available. 

We need Nationstar to stop playing games and to postpone the upcoming sale date and actually conduct a review based on our current and correct financial information.
Product: Student loan

( 1 ) Excess payment seems to be applied incorrectly across two loans. I have been registered for the standard excess payment allocation since graduation, XX/XX/XXXX. However, a substantial fraction of excess payment has been applied to the principal of the lower-interest rate loan for several months. Numerical context : - Autopaying $ XXXX/mo since XX/XX/XXXX. 
- Total Scheduled Monthly Payment is $ XXXX/mo. 
- One loan with period beginning XX/XX/XXXX, disbursed $ XXXX@ 5.96 % fixed, according to NSLDS student data extract ( not available from Great Lakes or from master promissory note ) Scheduled Monthly Payment is {$43.00}. 
- One loan with period beginning XX/XX/XXXX, disbursed $ XXXX@ 5.59 % fixed, according to NSLDS student data extract ( not available from Great Lakes or from master promissory note ) Scheduled Monthly Payment is {$280.00}. 

The Scheduled Monthly Payments by individual loan seem like they might be reversed. Regardless, assuming they are correct, the changes to the individual loan balances - and total account balance - do not reflect the rules for applying payments to individual loans ' Scheduled Monthly Payments first, then excess to the loan with the highest interest rate. 

( 2 ) Servicer claims that statements prior to XX/XX/XXXX can not be provided. I have bank statements showing transactions paid out to loan servicer monthly in XX/XX/XXXX - XX/XX/XXXX and every month after. Having these statements will be important for verifying that early payments were applied correctly. 

Actions taken : * Set up spreadsheet model of monthly payments to trace calculation in statements provided online by Great Lakes. Confirmed monthly interest figures within a few dollars ( possibly related to date alignment ), but totally unable to reproduce reported changes to statement balances resulting from excess payments using loan terms, including master promissory note and my NSLDS student data records. 
* Contacted Great Lakes call center to inquire about ( 2 ) and ( 1 ). Initial representative was unable to explain ( 1 ) and admitted he had no idea how to justify from my records, and asserted that statements were not generated for account status before XX/XX/XXXX and therefore not retrievable. Requested to speak to supervisor. Supervisor asserted that a " split factor '' applied to individual loans made within the account when Scheduled Monthly Payment is applied. Supervisor refused to provide " split factor '' and insisted that it was possibly available in Master Promissory Note, but would not identify where it is derived. In fact, it is not available in Master Promissory Note. If I use the Scheduled Monthly Payment amounts for each year 's loan individually, provided in NSLDS student data record download ( MyStudentData.txt ), I still find overpayments towards the low-interest loan. 
* Contacted NSLDS by phone. Was advised that CFPB was involved in litigation against another student loan servicer for similar behavior towards borrowers repaying loans early, and recommended I contact CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been 30 or more days late on my XXXX  XXXX account for my car loan .. XXXX  XXXX is affecting my credit with these false /erroneous late payments.. This is a violation of my rights.. Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of