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

I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day. 

I called to cancel my appointment that I didn't want to apply for the promotion. 

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first. 

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do. 

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report. 

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan. 

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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
Product: Mortgage

Seterus refuses to properly service our loan. 
1 ) Seterus refuses to publish 6 years of on time payments to any of the credit bureaus. 
2 ) Seterus refuses to provide monthly statements via mail or online 3 ) No online access to previous or current statements is being made available. 
Seterus told us to send a request via fax to them which they confirmed receipt on, but there has been no written response received in over 30 days. 

Seterus is hindering our ability to rebuild our credit since declaring bankruptcy in 2011. We completed a HAMP modification and have made all payments as agreed since then. We are now eligible for our 6 year ontime payment reward, but it seems that Seterus is doing all they can to have us miss a payment. 

We seek your assistance to remedy this asap. 
Thank you
Product: Credit reporting or other personal consumer reports

Company : XXXX  Issue : Unlawfully Verified accounts I am writing to file a complaint against XXXX regarding incorrect information on my credit report. Despite multiple attempts to resolve this issue directly with XXXX, the following fraudulent accounts remain on my report : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX  : Account Number XXXX These accounts were opened as a result of identity theft during the XXXX data breach in 2017. My personal information was compromised, and I have been dealing with the consequences ever since. I have provided XXXX with a police report, a notification from XXXX about the data breach, and other relevant documentation to support my claim, but the accounts have not been removed. 

Additionally, XXXX has fraudulently verified this incorrect information after several attempts to dispute these accounts. This has caused significant damage to my credit score and has been a source of ongoing stress and inconvenience. 

I request that the CFPB investigate this matter and ensure that XXXX removes these fraudulent accounts from my credit report. This issue has negatively impacted my credit score and caused significant stress and inconvenience. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I APPLIED FOR A MORTGAGE LENGING. I WAS TOLD THEY WOULD RUN MY CREDIT, HOWEVER THEY INQUIRED ON MY CREDIT MULTIPLE TIMES WHICH WASN'T THE AGREEMENT. THIS ACTION AFFECTED MY CREDIT SCORE IN A NEGATIVE WAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, New York XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between mid-XX/XX/XXXXand XX/XX/XXXX, my name, Social Security number, birth date, and address was released by Equifax to an unauthorized third party. This was the result of Equifax 's negligence : XXXX XXXX disclosed a vulnerability and released a patch for it in XX/XX/XXXX, which Equifax did not apply. 

Once released on the internet, my information can never taken back ; for the rest of my life I will be at a higher risk of identity theft, and I will likely have to pay for credit report freezes and and additional monitoring products.
Product: Debt collection

I owed XXXX  a debt. I paid XXXX  the debt. I told this guy to stop but he insists I didn't pay the debt. I unsubscribed from the emails and he emails me daily now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX ) - Account Numbers : XXXX & XXXX have 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 an account without my written instructions 15 U.S.C 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 by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR OVER 8 MONTHS ( SINCE XX/XX/2021 ), I HAVE BEEN ASKING THIS CREDIT REPORTING BUREAU TO FIX THE ERRORS REPORTING ON MY CREDIT PROFILE. TO DATE, I HAVE NOT RECEIVED ANY CORRESPONDENCES FROM THEM AND I KNOW BY LAW THEY HAVE 30 DAYS TO RESPOND. SINCE THEY HAVE FAILED TO RESPOND TO ME, I AM ASKING THAT THE NEGATIVE, INACCURATE DATA REPORTING BE REMOVED IMMEDIATELY BECAUSE THEY ARE CLEARLY VIOLATING ALL FDCPA LAWS. I AM SUBMITTING ALL DOCS I SENT IN XX/XX/2021. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On XXXX XXXX, 2017, I sent them my dispute letter requesting that they verify all data for the disputed accounts and I 've yet to receive anything of the sort. Because its been well over 30 days and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the accounts I wrote to them to investigate and verify since XXXX XXXX, 2017. I beg you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.
Product: Credit reporting or other personal consumer reports

I was completely shocked this morning when I saw inaccurate accounts on my credit report, and I have no clue how they got there. I check my report regularly, and this time, there were errors that seemed to appear out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The wrong accounts remained. I am requesting that the documents Ive provided be thoroughly reviewed so I can stop worrying about this ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing 4 inquiries during the past two years in the credit information that it has provided to my bank when in fact there none. Attempts to correct that and other wrong information have failed. The company is the only one reporting that. In addition, it shows office buildings as my residences with variations and repetitions that I believe a designed to confuse people. It is listing names that are not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

These account should not be reporting on my Credit Consumer profile, Please have it removed.
Product: Money transfer, virtual currency, or money service

I tried to make a wig purchase on XXXX website which uses Pay Pal to collect payments. My transaction was declined on 3 different sites who all use paypal to collect the funds. I called Paypal and was told I had to use another form of payment. I have never had any fraud issue with paypal or any of my cards. I did have one issue where I contacted the credit card company for a dispute with a merchant who also used paypal. So I believe paypal is trying to force me to use a debit card where once your money is taken if there is a dispute the bank will do nothing but tell you that you gave them the debit card number. I believe they will not let me use any credit cards because if there is a dispute the credit card company will snatch the money back until the issue is resolved. Paypal accepts credit cards it says it on their site. So I should not have to use a debit card and they continue to keep rejecting my brand new credit card. Not only that I was just ripped off by a paypal vendor using my bank card. PayPal did absolutely nothing and I sent them all the details and facts I never received my money back from the fraud.
Product: Mortgage

ShellPoint LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX In XXXX 2015 the homeowners filed a Chapter XXXX bankruptcy. The lender told them they had to move out since they do n't own the property any more. Therefore the homeowners moved out. The lender proceeded to not foreclose on the property, and instead it has been sitting as a zombie foreclosure for the last year. In addition, the HOA has continued to accrue for the last year, unbeknownst to the consumer. 

The lender then sent a letter to the consumer requesting they market the property and move forward with a short sale. Therefore, the consumer proceeded to hire a real estate agent, market the property, and procure a buyer. 

Now, however, the lender is now refusing to do a workout of any kind, even though they know the mortgage is upside down. They have further endangered the consumer who is no longer allowed to live in the property by accruing debt ( in the consumer 's name ) with the HOA Company. 


The lender has shown cruel treatment to the consumer in every action they have taken : 1. ShellPoint forced the homeowner out of their home 2. ShellPoint forced debt onto the consumer for a property they were prohibited from enjoying 3. ShellPoint lied when they sent out a letter regarding the consumers options that they had no intention of giving them When is this going to stop?
Product: Debt collection

I am a  XXXX  Veteran that had an emergency causing me to utilize a local hospital emergency room. At the time of service they were given my VA credentials and billing information. They are refusing to bill the VA for the amount and I have spoken to the hospital billing department which states that they do that all the time. Now the amount is on my credit report and they will not remove it. This is inaccurate reporting and needs removed from all three reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX for my XXXX XXXX earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to XXXX the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.
Product: Debt collection

Hello, This was added to my credit report in error of fraud. 
Please remove this immediately. 
Thank You XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX Account Info Tap labels for more details Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2021 Account type Collection Paid off : XXXX  % Balance on XX/XX/2021 Original balance {$250.00} {$250.00} Payment Info Original balance {$250.00} Balance {$250.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised on XX/XX/2021 I sent in a dispute regarding False/ Inaccurate information on my credit report. Per FCRA 609 all information on my credit report should be reporting accurately and it is not. I have tried to contact the company on many different occasions to let them know of their Illegal behavior regarding my credit report which is subsequently damaging my quality of life. I will be seeking litigation regarding this manner because It's been more than 30 days no verification nothing but the False items still remain on my credit report. Also be advised i was apart of the Equifax data breach aswell.
Product: Payday loan, title loan, or personal loan

I live in Ohio and my husband is XXXX XXXX for the military  and spouses fall under the SCRA benefits in Ohio. I have contacted them three times with the Ohio SCRA law and my husbands military orders and they refuse to change the interest to no more than 6 %. I was told they are in another state and could do whatever they want to do. I was informed that even though they might be in another state, they must abide by Ohio 's laws to do business with customers in Ohio. The company has not responded to my request in writing only when I call in on the phone they refuse to review it and state since I am not the service member they will not change it even though in Ohio they are required to. 

XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/XXXX
Product: Debt collection

On XX/XX/2019, I was sent to collection by XXXX for a debt of {$59.00} to IC Systems for an outstanding phone bill charge. I told them I paid my last phone bill on XX/XX/XXXX to XXXX after leaving the company and I returned my lease device XX/XX/XXXX via XXXX so I didnt owe anything. They placed me on hold and called XXXX directly. They came back and told me it was for a early termination fee, but I told the female rep that my contract doesnt say I would owe a early termination fee, I would just have to pay the phone off in full which I did plus my last bill which was due XX/XX/XXXX. 

She placed me on another hold and told me it wasnt a late fee but another phone bill. She told me we could settle for {$47.00} that day, so I paid the amount. I kept reiterating to the female rep that the charges were false, but I paid because I didnt want the false reporting to go to all 3 credit bureaus. 

XXXX recently reimbursed me {$160.00} for the trouble they caused me. I spoke with XXXX XXXX from the Executive and Regulatory Services department of XXXX who granted the reimbursement after receiving my complaint from my states attorney generals office.
Product: Debt collection

I was contacted by The CBE Group XXXX Inc. stating that they're collecting a debt owed to XXXX XXXX XXXX. with a debt of {$1600.00}.
Product: Mortgage

I am writing this letter regarding my mortgage loan I have had since XXXX, XXXX for my house. My involvement with the Loss Mitigation Department of Shellpoint Mortgage Services began in early XXXX XXXX. 

I had an unexpected downturn in my business in XXXX XXXX, which resulted in a significant loss of income and my inability to make my mortgage payment. I immediately contacted XXXX XXXX XXXX Mortgage customer service department to learn about the options available. I received a detailed package in the mail to initiate the loan mitigation process. Meanwhile my mortgage was transferred to ShellPoint Mortgage Services. 

I have submitted all required documents to ShellPoint Mortgage Services numerous times from XXXX, XXXX to XXXX, XXXX. When I call to check the status of my packet, I am forced to leave a voicemail. On occasion I have had the opportunity to speak to an agent, who indicates the packet had not been sent to the loan processor yet and to call back, or the packet is with the loan processor and they will call me. After repeated attempts and requests the progress remains null. 

At this point in the process it is clear that Shellpoint Mortgage Services Loss Mitigation Department is engaged in a pattern and practice, which is certainly unsupportive. I have complied with all the requests from Shellpoint Mortgage Services, however, it appears the overriding goal of the Loss Mitigation Department is to force my loan into foreclosure and take my property from me. 
I have been making payments, but remain behind and I have difficulty maintaing the payments at this point and need assistance.