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

Dear CFPB, I am writing to file a formal complaint against [ XXXX ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX.
Product: Mortgage

Nationstar has been improperly reviewing our client for their modification and has still not conducted a proper review for a modification. Additionally, even though Nationstar is in complete of a complete package pursuant to XXXX CFR XXXX and have not sent a letter to our client that they are not eligible for review, they affirmatively filed a motion with the court to seek a sale and were successful in obtaining a sale date in clear violation of the guidelines. 
Regarding the improper review for modification, they have wrongly denied the file a few times based on completely inaccurate income information without any explanation as to how they obtained the income amounts. During the reviews we have been given conflicting information as well including that the file was in review and the next date hearing from someone else the file is denied and then we were told the day after that the file is in review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XXXX, XXXX and XXXX of XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XXXX was missed therefore I paid two car notes in XXXX in the amount of {$1400.00} for both months. I paid XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XXXX XXXX and XXXX, XXXX in which they should not have been trying to do, then received XXXX 's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment onXX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was involved in a head on collision that left the XXXX XXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the XXXX XXXX. I called XXXX XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from XXXX stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that XXXX picked up the car. I called XXXX where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX Lot stated it was picked up on XXXX XXXX by XXXX. XXXX than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX Lot waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a XXXX with XXXX and XXXX on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it. 
On the credit report XXXX stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out XXXX stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for XXXX moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and XXXX to find out the next steps in this horrible ordeal. 
The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.
Product: Checking or savings account

I had multiple CD accounts at XXXXXXXX XXXX This bank failed and funds were transferred to bb & t. I believe BB & T is now truist. I went into a truist with my social security number and three different CD receipts. The manager was not able to locate the accounts. I tried creating online accounts with truist. they do not accept or account numbers.
Product: Credit card

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. CAPITAL ONE XXXX and CAPITAL ONE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached an FTC with inquiries I did not authorize
Product: Mortgage

I am having severe problems with LoanDepot. First, LoanDepot completed an Escrow Ananylsis using two annual homeowner insurances. This is incorrect. This cause my monthly mortgage to increase to {$1200.00}. The annual homeowner 's insurance is paid once a year. 
After investigating the problem of the homeowner 's insurance. I cotacted the XXXX XXXX XXXX and it was discovered that XXXX returned the {$2200.00} to LoanDepot and XXXX sent me the check which checked by LoanDepot.This is the problem. LOANDEPOT RECEIVED THE CHECK XXXX XXXX BUT FAILED TO CREDIT MY ACCOUNT. THE {$2200.00} WAS DEBITED TO MY ACCOUNT CAUSING A NEGATIVE BALANCE IN MY ESCROW. I continued to pay my monthly mortgage payment every monthly as required. Loandepot STRONGLY defied the truth and continued to increase my monthly mortgage payments From XXXX to XXXX ) .The is unlawful, Loandepot received the missed funds but fail to credit my mortgage account. Please assist we with this problem/situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.
Product: Credit reporting

I had surgery late XXXX and I was out of commission for about 7 days. My friend named XXXX XXXX XXXX or XXXX stayed with me so that she could care for me. I found out that she put a credit card -XXXX in her name using my social security number, her address and her email address. I recognized her email address and that is why I figured out who stole my identity. Also, I had XXXX other cards that were stolen and I could not determine who stole them, however it was around the same time as this one., so I assume that she stole these as well. XXXX went unidentified because she would use these cards in small increments until she maxed them out. I have filed a police report on the XXXX XXXX credit card and I did put XXXX 's name in the document. I said that I will prosecute her to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report with this company for close to XXXX  years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions. This company XXXX has been known in the past to report wrong information as well as take advantage of consumers buying cars through them.
Product: Mortgage

I called in on XX/XX/XXXX to discuss my mortgage and escrow amounts in detail for at least 30-45minutes. 

On XXXX/XXXX/XXXX I receive a copy of my settlement statement from XX/XX/XXXX, this does not answer my questions. 

My escrow shortage seems extremely high They stated that my payment of {$2000.00} began on XX/XX/XXXX. 

I understood that a bulk of this was due to my homeowners insurance increasing. The escrow balance still does not make since for my loan payments to increase another {$500.00} a month. 

Furthermore, I am already struggling and received help from the state with a payment of {$12000.00}. 

My past due balance on XX/XX/XXXX statement states XXXX. Where is the rest of my balance from this payment and where is it being applied. These numbers are off for the escrow shortage as well as my payments due. 

It is not clear what is going on with my account an looks like money is being taken and egregious fees are being added to my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is incorrectly being reported to my credit report. There are several discrepancies that are being reported to each bureau : 1 ) Payment status : Equifax and XXXX  reporting 120 days past due and XXXX  showing Account transfered. 
2 ) Blance : Equifax and XXXX  shows {$0.00} and XXXX  is N/A 3 ) Last updated : Equifax is XX/XX/XXXX and XXXX  and XXXX  shows XX/XX/XXXX. 

Account is also duplicate on my report where one is reporting the discrepancies mentioned above and the correct account is reporting on time and in good standing with all accurate information. 

Please delete inaccurate account as it is reporting my credit incorrectly and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by The XXXX XXXX XXXX rep on XXXX and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.
Product: Debt collection

COMENITYBANK/BRYLANE failed to give me proper validation of this debt. 

I mailed COMENITYBANK/BRYLANE a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America and XXXX inquiries were made under my name on XX/XX/2022. Fraud because I never submitted to apply for either of those credit applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/ Balance {$7900.00} and DPT ED/XXXX XXXX Date opened XX/XX/ Balance {$2300.00}.
Product: Student loan

An ex-spouse of mine forged my name on a Private Consolidation Loan Credit Application agreement with NELNET ( now XXXX XXXX ). I did not authorized the signing of my name on this or any other document. Which although electronically done makes it forgery. It was explained to me that married couples are seen as one except in the case of forgery. 

I've been trying to explain this to NELNET / XXXX XXXX for years. However, they will not listen or do anything about it. 

Furthermore, a check from XXXX  in the amount of {$12000.00} I never received was cashed by drivers license XXXX. My GA drivers license number is XXXX. I never authorized or knew about it until it was too late. 

As For XXXX, I called them to file a complaint of forgery regarding my name but had no account information regarding these loans there, they were unable to find any information regarding the account ( s ). I never authorized my ex-spouse to borrow money using my name or to sign my name only anything from this company either. 

In reference to me attend school, I was using the GA Hope Scholarship to attend school the time all of this was going on. Therefore, I didn't realize this was happening until it was too late. Now I've got a horrible company like XXXX XXXX to deal with. 

Also, the company NELNET ( XXXX XXXX ) also practiced predatory lending in that they also combined my income with my ex-spouses in to qualify my social for the loan but gave her no responsibility for the loan, leaving it all in my name.

For this reason, and being unfair in a crucial situation, I would not recommend that anyone ever get involved with XXXX XXXX.

In closing, I pay well over {$900.00} of child support each {$840.00} + {$100.00} ordered to pay back in arrearages. I can not afford to pay back school money that I never and was not used for my benefit.
Product: Mortgage

On XX/XX/XXXX, we were pre- approved by US Bank for a Motgage loan of up to XXXX, We were wanting to see if we could buy a house where I boy XXXX, after the approval we found a home for XXXX called the bank got the paperwork started and on XX/XX/XXXX, everything was approved and we actually signed paper work and the appraisal was ordered, they had called my insurance company on XX/XX/XXXX, to get insurance coverage. They emailed me XX/XX/XXXX to get drivers license copies which I know is down to the final closing part, and bank statement copies to verify closing costs, on Thursday XX/XX/XXXX, I had called to get a payoff to move my business loan to another bank. On that next Monday, I received an email saying they could n't do the loan, reason debt to income ratio, I actually took all info to another bank and they had said our income to debt ratio was well within the guidelines, I actually later found out the appraisal was cancelled at XXXX XXXX on Friday XX/XX/XXXX and also had found out that US Bank owns the appraisal company there. We believe the appraisal had already been done but they worked the paper work to say it had been canceled.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute about certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies. I attach the letter along with the FTC Affidavit.
Product: Payday loan, title loan, or personal loan

An account was fraudulently made with MoneyLion using my information. I became aware of the loan once I saw my credit being affected, and immediately filed a dispute. The dispute was dismissed by MoneyLion saying the lending information was correct. I have tried calling MoneyLion and emailing the company with no success. They will not contact me back to resolve the issue. My credit has taken a significant hit due to a {$500.00} loan someone took out using my information. I need this issue resolved and my credit restored. I know others who have had the same issue with this company.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section XXXX, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 demand the removal of these incorrect phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX there were XXXX unauthorizes charges that Citibank has not credit old acct number ending in XXXX, new acct # ending in XXXX in the amount of {$360.00}. 
The unauthorized transactions are as follows ; XX/XX/XXXX, {$91.00} to XXXX, XX/XX/XXXX {$170.00} to XXXX XXXX, XX/XX/XXXX {$20.00} and {$77.00} to XXXX of XXXX. 
On XX/XX/XXXX Citibank completed their investigation and said that I was in possession of the credit card at the time of these charges and there for they did not consider it fraudulent activity. 
I have called and written to Citibank certifying that I my card was lost at the time of these transactions and I or XXXX XXXX had not authorized anyone else the use of our cards.
Product: Debt collection

I was reviewing my credit report today. I saw there is a medical collection on my credit report from a visit in XX/XX/XXXX. I called both the collection agency and the hospital and they stated that the office mailed the XXXX invoices to my ex-husband 's address, in stead of to mine. They called my ex-husband 's number instead of mine. My ex-husband and I have not lived in the same home since XX/XX/XXXX. I have never lived at his current address. I was never notified of the debt. While this was an innocent mistake, the account is now in collection and on my credit report and I never knew about it. In fact the collection agency never contacted me. I contacted both XXXX and California Recovery Bureau to have this removed from my credit report and while they admit it was a mistake, they have not offered to remove it from my credit report. I have offered to pay the bill in both cases. XXXX will be calling the collection agency tomorrow to see if anything can be done. What is my recourse if they still will not remove the tradeline from my credit report?