23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, this will be the 3rd complaint submitted on this file. The client recently filed a chapter XXXX bankruptcy and since the bankruptcy has been filed, we received information that is concerning to not only the client but the bankruptcy court as well. Complaints were filed with the CFPB on XX/XX/2019 and XX/XX/2019 regarding a discrepancy of the number of modifications the client has already received. The lender was claiming three modifications were received by the client but could not produce any documentation confirming these modifications even existed. A complaint was filed to ensure the CFPB would step in demanding copies of the three modifications the lender stated she received however that was never done. The reason the amount of modifications received was in dispute is because per the client she only received 1 for the life of this loan and in the pooling and service agreement she is entitled to more than one. Per CFPB guidelines the lender needs to exhaust any and all loss mitigation options that would allow the client to keep her home if there is a valid hardship in which there was and still is. Instead of the lender helping her they wanted to increase her monthly mortgage payments to over 51 % of her net income which is clearly not affordable and would cause her to lose her home. That is not a modification by any means. Also, by stating she has had multiple modifications it created a bias with the investors as they were under the impression, she had three already. Per the answers from the complaint filed on XX/XX/2019 and XX/XX/2019 the lender admitted to providing incorrect information and stated the client has only had two modifications. That letter will be attached for your review. The concern at this time is after speaking with the bankruptcy attorney for XXXX XXXX XXXX XXXX XXXX about this issue she requested copies of any and all modifications on the file and the lender confirmed with their attorneys that there has only been one modification given to the client XXXX XXXX since the loan was taken out which again contradicts what the lender is stating and it seems as though the lender has given nothing but false statements to not only the client but the CFPB as well. This is not only outrageous but extremely unfair and against the guidelines of the investor who should be required to assist us with this matter as the lender is solely their responsibility. The investor and the lender should be held fully liable and accountable for the false statements and false information given which not only could cost this client her home but also effected the bankruptcy proceeding as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me! I sent a letter to the credit bureaus on XX/XX/2023 and haven't gotten a response i would like a reinvestigation! It's still incorrect information on my report! My understanding is 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I will list the accounts below! 


1. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report.

4. The following personal information is incorrect XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Debt collection

Debt Collectors XXXX XXXX New Jersey XXXX County, XXXX XXXX XXXX, Nationstar Mortgage LLC have engaged in illegal debt collection actions which includes Tax Evasion, Identity Theft, Criminal Acts against the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention this organization has been reporting inaccurate information for over 2 years on my consumer report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX/year> - {$00.00} XXXX XXXX  - XXXX - XX/XX/year> - {$00.00} XXXX  XXXX - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from Lexis Nexis. I opted out from reporting. This information. Should to be verified once disputed.
Product: Mortgage

My mortgage loan was bought by First Horizon Bank, on XX/XX/XXXX, my property taxes are due on XX/XX/XXXX, my escrow account balance was also transferred and it had more than enough to pay the taxes, it seems like the deductions were made but my property taxes were not paid, now im delinquent. 
Property taxes were initially {$2600.00}, now they are {$2900.00} due to penalties, Ive called the mortgage company, and they told me to send an email, I sent an email explaining the situation and demanding for payment, but there has not been an answer and I fear that my house will get a lien .... please help in this situation, what can I do? should I just pay off the property taxes and get straigthen with my bank?, I shouldnt be going through this, the bank should have paid the property taxes from the escrow account on XX/XX/XXXX. 

Total XXXX Taxes Due by XX/XX/XXXX : {$2600.00} Payments applied to XXXX taxes : {$0.00} Total Current Taxes Due : {$2900.00} Prior year ( XXXX ) taxes due ( if any ) : - {$0.00} Total Amount Due For XX/XX/XXXX : {$2900.00}
Product: Mortgage

I am writing to address a troubling situation regarding my mortgage assistance application with New American Funding, initiated on XX/XX/year>, when my husband fell ill, leading to unmanageable financial difficulties. 

On XX/XX/year>, I contacted XXXX XXXXr a status update and was informed that I was approved for a trial loan modification starting XX/XX/year>. However, I was later told that the trial modification would actually begin on XX/XX/year>, due to an issue with the paperwork. According to an NAF agent, my trial payments for three months would be {$2000.00}, starting XX/XX/year>. 

When I logged into my online account on XX/XX/XXXX, I noticed the required payment was {$3300.00} instead. Upon contacting NAF again, I learned that my modification had been changed from a trial payment to a forbearance plan, splitting my XXXX and XXXX payments over six months, significantly increasing my total loan payment to {$3300.00}. I requested a workout review, as I would not be able to make these higher payments, and NAF submitted my request. 

On XX/XX/year>, I was told that my workout review was complete and I was placed back on a trial payment plan for {$2000.00}. I explicitly asked multiple times when these payments would begin, and the agent confirmed they would start on XX/XX/year>, with no payments due until then. I also inquired about when I would receive the loan modification documents and was told they would arrive in XXXX or XXXX. 

Following these instructions, I made no payments. However, in XXXX, I received a call stating that I was in default and facing foreclosure. I explained that I was advised not to make any payments until XX/XX/year>, at which point I would owe {$2000.00}. The agent acknowledged the notes in my account but informed me that I had been given incorrect information, leading to my mortgage assistance ending on XX/XX/year>, due to the missed payment of {$3300.00}. 

I questioned the misinformation but did not receive a satisfactory answer. The agent then initiated another workout review for mortgage assistance. On XX/XX/year>, I was informed that my mortgage assistance could not be approved due to issues with the title, which was reportedly not in my and my husbands names. This was perplexing, given that I had already received assistance in XXXX and XXXX under the incorrect terms. 

I contacted my county assessor, clerks office, and the title company managing my escrow, and they confirmed that the title is indeed in my husbands and my names. As of now, my mortgage is four months behind, resulting in a significantly high past due balance due to the negligence of NAF agents. 

I followed all instructions provided during multiple phone calls with your representatives. As a result of this misinformation, I find myself in a much worse financial position than when I sought assistance.
Product: Credit card

XXXX XXXX i applied for a capitol one credit card and was approved with a XXXX limit. i recieved and attempted to activate the card by phone was told there was fraudulent activity and i needed to apply for a new acct. I did and was approved at a much lower threshold of XXXX, which means my credit was affected. again i recieve the card attempt to activate it and was told there was fraud on the acct and it was cancelled, I ask what fraud? they cant tell me but advise me to go to a local branch In XXXX XXXX XXXX and XXXX XXXX. I went XXXX and met a gentleman by the name of XXXX XXXX ID # XXXX who copied my IDs and called the fraud dept and faxed them my ID copies to XXXX, a XXXX on the phone by the name of XXXX ID # XXXX advised after 2 hours on the phone there was nothing they could do and advised me to reapply a 3rd time for the same card, We both were agast and I asked why if I was fraudulent why would they want me to apply for a credit card again, her reply was that i was listed as deceased even though i was at the bank with ID and was verifiable .... I left there and contacted XXXX and they called capitalonebank Fraud dept while i was on the phone with them and they verified and corrected this person on the phone several times and stated that there info was incorrect and that i had long since established I was not decedent and that the SS XXXX would contact the bank and notify them of my death, which they had not. again no answer but to reappy ... fastforward to today XXXX/XXXX/XXXX i call the fraud dept to get a disposition and after speaking to the XXXX person who claimed to be managers they advised me that nothing else cpould be done. Yet they accts and inquirires all reflect on my credit report and i still have no answer can you please forward an in quiry thank you XXXX XXXX XXXXXXXXXXXX, cell phone XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a complaint against Transunion XX/XX/2023 disputing the accuracy of unauthorized and fraudulent inquires listed on my credit report. Transunion closed my complaint XXXX XXXX attached stating the following : After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute regarding the inquiries appearing on your report, we sent you a letter to explain inquiries remain on your report for XXXX years and if you believe it was made without permissible purpose, you may wish contact the company directly. The dispute investigation ( s ) that were initiated for the following account ( s ) and/or public record ( s ) have been cancelled at your request : Additionally I have tradeline and collection account information errors on my credit file that I would like to bring to notice and dispute on my credit file with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deleted positive information, at the same time as deleting other information on my credit report. Transunion also mailed me a letter stating they could not find information about XXXX XXXX XXXX. My name is XXXX XXXX, no middle initial. They have been reporting XXXX XXXX for many years. In fact, when I log onto the Transunion dispute website, my name is displayed as XXXX XXXX. This needs to be consistent, across the board, when it comes to my credit report. According to credit report # XXXX, issued on XX/XX/XXXX, Transunion states Re : Unable to locate credit report. Fix my name and add the following positively reflecting accounts that were improperly deleted from my file. 

XXXX XXXX Retail Credit Card Revolving Credit Credit Limit -  {$4700.00} Never Late Open account Opened - XX/XX/XXXX Balance - {$0.00} XXXX Personal Line of Credit Credit Limit {$10000.00} Open Account Never Late Opened - XX/XX/XXXX Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( revolving credit ) Credit Limit - {$25000.00} Open Account Never Late Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( DO NOT CONFUSE THIS WITH THE XXXX   CREDIT CARD THAT WAS RECENTLY DELETED WITH A {$490.00} BALANCE ) THIS ACCOUNT HAS A {$0.00} BALANCE CREDIT LIMIT {$200.00} OPEN - XX/XX/XXXX REVOLVING CC RETAIL CREDIT CARD {$0.00} BALANCE NEVER LATE OPEN ACCOUNT XXXX CREDIT CARD CREDIT LIMIT- {$500.00} NEVER LATE OPEN REVOLVING CREDIT CARD XXXX XXXX XXXX RETAIL CARD OPEN ACCOUNT - XX/XX/XXXX XXXX CREDIT LIMIT CREDIT LIMIT HIGH - XXXX XXXX BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$19000.00}.
Product: Checking or savings account

Citizens Bank you have violated the FCRA requirements because after I have requested you to stop to reporting my federally protected personal information to third party agency XXXX multiple times with multiple dispute. I have the right to Opt- Out of my federally protected consumer personal information being shared with third party agencies. I have sent via certified mail another dispute letter and Affidavit of Truth with a notarized letter that can only be answered with a Affidavit. I have also attached a copy of the Opt-Out section of the law and a copy of the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERNED THESE LENDERS PULLED MY CREDIT WITHOUT MY CONSENT OR PRIOR AUTHORIZATION. I CALLED THE THREE CREDIT AGENCIES AND COMPLAINED ABOUT THE ERRORS ON MY CREDIT REPORT AND DEMANDED TO HAVE THEM REMOVED. THEY IGNORED MY CALLS AND DID NOT REMOVE THE UNAUTHORIZED INQUIRIES. 
THE FOLLOWING ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit reports.

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

I applied for capital one savor credit card and I met all of the requirements and they never listed a minimum income and they denied me based only on income which is XXXX because theres no minimum income listed anywhere. I qualified for everything else and their XXXX  denial effected my credit score so I think that they need to be charged or fined in someway for false advertising because not saying that they require a minimum income and then denying people on that is a bunch of XXXX
Product: Credit reporting or other personal consumer reports

I've never been late on my accounts. Remove all late payment entries IMMEDIATELY!!!! 

XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections.

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request.

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. 

Thank you for your assistance.