23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing how NATIONSTAR/MR COOPER/RIGHTPATH SERVICING has changed how they report my mortgage balance to all ( 3 ) credit bureaus. Prior to and during my CARES ACT forbearance, they would report ONLY my interest-bearing principal balance to the credit bureaus. I had a loan modification before NATIONSTAR/MR COOPER/RIGHTPATH SERVICING purchased my mortgage ( which I had no say in ) that included a deferred payment at the end of the modified loan. Since coming out of forbearance in XX/XX/2022, NATIONSTAR/MR COOPER/RIGHTPATH SERVICING suddenly decided to lump this deferred payment into the entire mortgage balance which is incorrect. They had been servicing my mortgage for at least 5 years before making this sudden change. 

I feel they made this change only in retaliation for them not being able to foreclose on my home. I was in forbearance for over a year because NATIONSTAR/MR COOPER/RIGHTPATH SERVICING gave me no options to come out of the forbearance like most customers normally could. It was after fighting, pleading and begging them for MONTHS on end did a nice customer representative take pity on me, escalated my situation and got the powers that be to agree to let me resume my monthly mortgage payments. The forbearance amount was then lumped into the interest-bearing principal balance. 

Since that time, now all of a sudden my mortgage balance increased from approx. {$120000.00} to a new mortgage balance of {$190000.00} on my credit report. This drastic increase has caused my XXXX XXXX to drop XXXX points w/ XXXX XXXX XXXX and a whopping XXXX points w/ XXXX. I was never advised up front about how they changed reporting my balance and am therefore requesting them to change their reporting back to how it had originally been done for YEARS. 

This is again, a detriment to me and completely unfair as the consumer who never asked or requested NATIONSTAR/MR COOPER/RIGHTPATH SERVICING service my mortgage loan in the 1st place. I feel I have been victimized again by this entity after going through so much to come out of forbearance only to have my credit ruined anyways which SHOULD NOT HAVE HAPPENED per what was outlined in the CARES ACT. My credit has been impacted as a direct result of their changed procedures which only occurred after coming out of my CARES ACT forbearance. 

The reported balance to all ( XXXX ) credit bureaus for this account should be {$130000.00} which Im enclosing here. Im also enclosing my most recent mortgage statement which also shows a slightly older balance of {$130000.00}. Lastly, I feel I am owed an explanation as to why this entity decided to suddenly change their reporting procedures with no advance notice after years of reporting it differently. Thank you for taking this complaint into consideration. 

Regards, XXXX XXXX
Product: Debt collection

Company is knowingly reporting incorrect amount of balance owed. Supervisor of collections account has been told many times and shown proof of amount that is owed and refuses to update account and continues to increase amount of balance owed.
Product: Debt collection

XXXX XXXX XXXX  XXXX contacted me about an alleged debt. I requested a Debt Verification Letter via email provided and they are still contacting both myself and my spouse after the request to provide this information. When I tried to contact via email again to the address provided, my email is blocked.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX i deployed to XXXX as part of rotation serving in the XXXX XXXX I Then contacted Lendmark financial ( financial institution that i have a personal loan account open with ) and asked for the SCRA under Louisiana state provision, since Louisiana is a XXXX XXXX ( key provision ) according to state law if I am XXXX XXXX in Louisiana I should receive those benefits and my interest rate should be lowered to 6 % as well as any extra interest paid over the years on my account should be back paid to me or credited to my account to decrease the balance on my loan. 
On XX/XX/XXXX after my first request was denied I explained in detail why they were wrong and I am entitled to those benefits by law, the branch manager being as nice as possible resubmitted my request but promptly got denied a second time even with all the info and legal paperwork and military paperwork they requested, at this point I requested the issue get pushed to a higher level of management and so it was, and today on XX/XX/XXXX I finally received an update stating simply " you dont meet the requirements
Product: Credit reporting or other personal consumer reports

100 % XXXX Loves Launch Nuclear Missals only means Relief 15 Years try to remove Fraud Alert on Credit File sending XXXX Forms ID and XXXX says there still Fraud Alert on my File 15 Years no Bank can verify me with XXXX Credit Score violate XXXX XXXX Code XXXX Genocide Laws ICC, Alien Tort Claims Act XXXX XXXX. XXXX war crimes, crimes against humanity and aggression CAHWCA, Common torts assault, battery, damage to personal property, conversion of personal property, and intentional infliction of emotional distress, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update and correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or CORRECT this from my file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.
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
Product: Mortgage

I called Fay Servicing and they said they received the loan modification packet and it is in review. I informed them that I have a sales date on this coming MONDAY XXXX XXXX, 2015. I was connected into the recorder of the person named " Grant '' who handles my file but he was not there? So I left a message! 
DUAL TRACKING -- DUAL TRACKING : By failing to adhere to both California law and the rules under CFPB, The party ( XXXX ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 
Please inform Parties as to their deficiencies. 
Sales date : XXXX/XXXX/15Loan number : XXXXFay Servicing, XXXX XXXX XXXX, XXXX XXXX, IL XXXXFay Servicing Account number : XXXXTrustee : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, BXXXX XXXX XXXX Account # XXXX has violated my rights.

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
Product: Debt collection

Portfolio Recovery calls many times a day from different numbers. But, where the problem is is that they will call late at night ( after XXXX XXXX ). This evening I received a call from the at XXXX XXXX. I'm tired of the late night phone calls and on occasion early morning calls as well. I have tried to block them. But, the calls continue.
Product: Checking or savings account

On Sunday XXXX XXXX I mobile deposited a mobile check to my checking account through chase for {$1900.00} that was dated for XX/XX/2024. I called Monday morning to see why there was a hold on my account and they said the funds should be available Tuesday morning. I called Tuesday morning because when I checked my account it said there was a hold on my account. I called them again and the lady said she would need to see if she can find a verified number through their system so she can contact my employer to verify the check. She said she was unable to find a verified number and that my funds would be available until XX/XX/2024. Later that day I tried to deposit cash into my account and found out my account was restricted because of the check hold. I called Chase bank back and they asked if I could provide them with a number they can call. I give them the owners number and then they say the number isnt verified. They said until they receive a verified number my check will be held and my account will remain restricted. I have bills to pay and my funds are being held from me and my employer is unsure which number my bank is needing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Late Closed XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX {$380.00} XX/XX/XXXX Collection XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX {$62.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2400.00} Date Opened : XX/XX/XXXX Repossession XXXX  XXXX {$9000.00} Date Opened : XX/XX/XXXX XXXX  XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

XX/XX/2018 FILE STAMP XX/XX/2018, XXXX RETURN XXXX CO KS, SUMMONS, PETITION, AFFIDAVIT AND EXHIBITS SERVED XXXX XXXX XXXX XX/XX/2018 E/S I was told by the XXXX County sheriff office that there will be a warrant for my arrest if I don't show up to court. 
I explained that I can not afford to pay this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous requests, made numerous phone calls, and submitted documents to XXXX XXXX XXXX XXXX ( XXXX ) to correct the late credit reporting status on my Credit files. I have also disputed the incorrect reporting with each Credit Bureau and as of today, still not corrected. This has been ongoing since XXXX of this year. 

XXXX had added a Collateral Protection Insurance ( CPI ) to my current Auto Loan. Which also took me making numerous of complaints, calls and document submissions to have it removed. The CPI is XXXX excuse for reporting my loan XXXX days late. The CPI has since been refunded and the actual refund date was the same as the start date of the CPI. I am submitting a screenshot which shows the dates were the same. However, I noticed today the dates have been changed. Why manipulate dates, amounts, etc. if you are correct in your records. I was told by an associate at XXXX ( XXXX XX/XX/XXXX ) that all which occurred during the time of the incorrect CPI would eventually reflect accurately as before the CPI was added, as if it was never added. This has not happened. Again, CPI was refunded but my account is still reporting XXXX days late for XXXX, XXXX, and XXXX of XXXX with the Credit Bureaus. 

Only recently had my account been late due to unforeseen Family circumstances, but it has never been XXXX DAYS LATE. As I stated, only recently late and I have had this loan since XXXX of XXXX with NO previous issues. This mishap with XXXX is affecting my livelihood and career. As, I am Military and are due for my Background/Clearance Review and this late reporting which is in error will affect my potential Clearance level and other potential credit offers. The stress and fear of my Clearance are things NO Lender should be permitted to put their Consumers through. This part of this ordeal is totally unforgiving and unrepairable. This Lender/Borrower relationship is beyond over and I will share the entire negative experience with my Military Community, Family and Friends.
Product: Credit reporting or other personal consumer reports

RE : Improper filing of XXXX form- I am writing to address the lack of response to my previous notice regarding the request for a copy of the XXXX filed for the charged-off debt. XXXX  XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with XXXX law by not filing a XXXX as mandated. Consequently, I am compelled to inform you that I will report XXXX  XXXX XXXX XXXX XXXX IRS for XXXX XXXX XXXX using Form XXXX if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The accounts in question is detailed as follows : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX As per IRS regulations XXXX a canceled debt of {$600.00} or more necessitates the filing of a XXXX form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a XXXX form, or any attempt to conceal such actions, constitutes inaccurate reporting. XXXX is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXXXXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements XXXX be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS VANDALIZE IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax @ XXXX but their operators do not pick up. Was required to give a ton of information to " verify '' my identity, only to have the call go straight to their survey ... TWICE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Mortgage

On multiple occasions, I noticed the following : Monthly statement indicating a certain amount to be credited to the Principle, and another amount credited to the interest for the upcoming payment. The following statement, shows a lower amount credited to the principle and a higher amount credited to interest. This keeps the principle high. This has happened on multiple occasions.

Further, every payment made during a trial period was not credited, even though I was successful in making all Trial Period payments as agreed upon.

The property is going through the Foreclosure process, but I am in the process of selling it. The payoff amount, includes random charges that can not be explained by the mortgage holder.

I have attached two statements. 

Statement 5 indicates that the next payment will include {$530.00} towards Principle and {$790.00} towards interest. 

Statement 6 indicates that the payment made towards statement 5 credited {$480.00} towards the principle and {$830.00} towards Interest. 

This is fraud.
Product: Credit reporting or other personal consumer reports

FCRA XXXX, in my understanding, necessitates the elimination of any incorrect accounts from my credit report. Would you mind verifying the documents? Certain listed accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times explaining that incorrect information is being reported in my name. I have never filed for Bankruptcy and I am asking that this information along with all the accounts saying included in bankruptcy be deleted & blocked from my credit report. I have sent information along with a letter from the courts saying that they do not verify or report to any credit bureau. Please delete this information.