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

Equifax is NOT in accordance with the Fair Credit Reporting Act ( FCRA ) and NOT in compliance with the Fair Credit Reporting Act ( FCRA ) in Deleting and Removing, Unauthorized Inquiries from my credit report/file. See : 15 USC Section 1681 ( Section 602 ), FCRA 604 ( b ) ( 3 ) ( F ), 609 ( a ) ( 3 ) ( F ), 611 ( a ) ( 1 ) ( B ), 623 ( a ) ( 1 ) ( c ), 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 3 ) ( A ), 605B, FDCPA 809 ( b ). 
The Unauthorized Inquiries are as followed : XXXX XXXX  : XX/XX/2023 XXXX XXXX : XX/XX/2023 XXXX XXXXXXXX : XX/XX/2023 XXXX XXXX : XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 


Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my current address be updated accordingly. 


Contact Information : My only current phone number is XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Credit card

Capital One/Walmart closed my account in retaliation for my years of complaints that goods and services I paid for were regularly not provided ; poor service never improved. I never made minimal payments nor never missed a payment. 
This decision to close my account in retaliation from a company currently settling a {>= $XXXX} lawsuit with customers for cheating them on products they overcharged customers for. 
I want this corrected on all three credit bureaus. Ive had more than {$XXXX} worth of problems with the company delivering to wrong address or never delivering goods and services at all.
Product: Mortgage

I am trying to get a home equity loan. During the title search they discovered Mr Cooper recorded my loan 2x in 24 hours. One time on XX/XX/year> and again on XXXX. My loan was sold to XXXX and they said they are not responsible. I only owe {$54000.00} of the original loan and have equity I can not utilize because of this. The title company and XXXX XXXXXXXX XXXX XXXX require a loan satisfaction letter for the second loan so that when I pay off the first loan both will be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have multiple inquiries on my credut report from XXXX XXXX   XXXX XXXX XXXX XXXX 3 hard pulls fraudulent. 

XXXX XXXX. 


I have contacted each and was told to contact the credit burea XXXX XXXX stated they would remove within 45 days XXXX and Equifax are telling me I cant dispute the fraudulent inquiries on my credit report. 

XXXX is also refusing to block XXXX XXXX and XXXX XXXX knowingly reporting fraudulent information
Product: Mortgage

In XXXX XXXX XXXX sold our morygage to XXXX. Rushmore became our servicer, and our nightmare began. XXXX XXXX XXXX XXXX XXXX XXXX Rushmore is trying to destroy us. They started by saying we werep behaind XXXX to XXXX.payments. We were not. I did send them the documents they asked for proof, but they never acknowledged the payments. They made it nearly impossible to make our payments. We set up an online account, but Rishmore would not allow us accessss to it. On XX/XX/XXXX, my husband got an email saying we qualified for a modification. We could download the agwreement never came. We are still figjting ez them.Now, they are trying to forces us to a short sale.. Rushmore cares only about money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. The following accounts needs to be corrected immediately : DEPTEDXXXX  XXXX Balance Owed : {$4100.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$7400.00}.
Product: Mortgage

In XXXX 2015, during a 3-way conversation with Wells Fargo rep and XXXX XXXX, WF rep talked about my account information that was outside the realm of what the refi company was asking for. I only gave permission to the WF rep for each question that the XXXX XXXX asked, so there was no need for the WF rep to volunteer any information or say anything unless I gave permission for her to answer the XXXX rep question. Without being asked, the rep talked about my monthly payment and stating the amount that was due and asking when would I be making a payment. The refi person stated that she should not be privy to this information and disconnected the phone call. After this 3-way conversation a yes to refi was turned into a no with no valid reason why refi decision was changed. My complaint is that the WF rep gave out information without my permission and information that was apparently detrimental that lead to my denial of credit. What I want done is to receive monetary compensation from WF for this denial of credit due to incorrect release of information by WF rep.
Product: Mortgage

OCWEN Mortgage Servicing is taking my home through the foreclosure process, even though they have never taken a look at helping me with my mortgage. They have been combative through the court system and I have reached the end of my resources and am in the final stages of foreclosure. I have used several attorneys to try to help me get things back on track from suing them for giving me a fraudulent loan to attempting a loan modification. However, I am so frustrated that they have not helped me with my FHA loan, even though I have tried for the last nine years to get my loan back on track. 

I had a significant health issue which has left me XXXX since XXXX and have been on a limited income since that time. Due to a malpractice settlement, I was given {$250000.00} and used {$100000.00} of it to purchase my home in XXXX. The loan agent told me that I would be able to refinance my loan to a lower payment and receive all of my down payment back. I contacted him after the year was up and he began the refinance process. He told me that I would get everything that we discussed the year prior. After the refinance was, I was absolutely shocked when I received a check for only {$7000.00} and my payment tripled. I was conned in the worst way possible and basically, XXXX XXXX was stolen from me and I was put into a loan that I could not afford. I burned through all of my remaining money, which I had to live off of for the rest of my life, in order to make the mortgage payment. 

As I watched my money disappear, I decided to hire an attorney to help me get out of this loan and make things right. I went through several attorneys who said that there is nothing they could do and that OCWEN wouldnt even work with me to modify my loan. This has been an absolute nightmare and OCWEN isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible.
Product: Mortgage

After not qualifying for a VA loan due to debt-to-income ( which was odd ). Our lender ( XXXX at Open Mortgage ) asked the Underwriter ( XXXX XXXX ) if we could repackage as a USDA loan and the underwriter said to do so : '' Good Morning XXXXAs per my previous email yes you can go USDA - you will need to get usda docs and resubmit file with everything as USDA and I will re underwrite for you. Thanks. " To move forward with the house, XXXX repackaged us USDA - we received desktop approval. The seller requested an additional {$500.00} in earnest money ( in total {$1000.00} ). In addition to going with an USDA loan, I had to agree to give the seller the earnest money ( {$1000.00} ), even if the loan was not approved. 

After paying for the USDA appraisal ( {$450.00} ), the appraisal came back great. The UW approved our loan. Next, the file was submitted USDA. The USDA reviewer denied us, because my student loans were not fixed payments through the term of the XXXX yr mortgage loan. 

The problem I have is the UW did not know the stipulation effective XXXX 2014 regarding student loans : Student loans. Lenders must include the greater of XXXX percent of the outstandingloan balance or the verified fixed payment as reflected on the credit report. 
Exception : Monthly payment amounts listed on the credit report, which are less thanone percent of the outstanding balance may be used when evidence from the loanservicer is obtained indicating ; 1 ) the applicant is on a fixed repayment plan notsubject to change under the terms of the current agreement and XXXX ) and the monthlypayment amount due. Fixed payments have a monthly amount that is not subject tochange through the fixed repayment time frame. Income Based Repayment ( IBR ) plans, graduated plans, adjustable rates, interest only and deferred plans are examplesof repayment plans that are subject to change and do not qualify for the exception. 
No additional documentation is required if a credit report is obtained and the lendercan confirm the payment represented is a fixed payment as noted in this paragraph. 

The above stipulation applies to VA and USDA loans ; therefore, if we can not qualify VA due to not have fixed student loan payments, then WHY did the XXXX say to repackage me as USDA. We lost {$1400.00} due to her negligence. Even the USDA reviewer - XXXX XXXX ( Georgia XXXX XXXX XXXX at USDA, XXXX XXXX ) stated the UW - XXXX XXXX was grossly negligent on our file. She is required to know the stipulations to inform the lender what was wrong with the file.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. 

I sent a request to Experian to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Experian did not take any action regarding the incorrect and fraudulent information on my credit report. Experian within minutes in most cases sent me an automated email saying your investigation is complete. This is a clear violation of the section 605B of the Fair Credit Reporting Act and Experian should be held accountable.

Their inaction is making my life unfairly difficult. 

Please make Experian comply with the Fair Credit Reporting Act and remove incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX  XXXX  XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This loan was forgiven several months ago. I sent them the documentation of proof but they have not corrected the issue. My balance is XXXX as all were forgive for XXXX XXXX  which I am presently.
Product: Credit card or prepaid card

For the month of XXXX to XXXX I was notified my credit card was 30 days late and immediately contacted capital one to remedy the situation. I explained that my account was linked to auto pay from my business account and that my XXXX  was adversely impacted by Covid 19. I have been a member with capital one for nearly 10 years without a missed payment. On the phone I was informed they would extend a courtesy to me and be able to report my account as current and paid to the credit bureaus. Upon following up 3 weeks later- they informed me for reasons unknown ( Wouldnt identify any variables in their decision making process ) they had changed their mind and would no longer positively report my payment history. I find this highly unprofessional in the context of the pandemic and myself as a 10 year loyal customer and am seeking assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies XXXX, Experian, XXXX Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless
Product: Vehicle loan or lease

From XXXX  2022-XXXX  2022. They have been using different numbers and different companies in different areas of the United States from house loans, car loans, car insurances, credit cards, and banks and it is getting me very frustrated because no matter how many disputes I file it is not getting solved. I dont know who else to turn too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I have a chapter XXXX have never filed a chapter XXXX and they said that it was open XXXX XXXX  and XXXX on XXXX XXXX called them and they are trying to put the blame someone else.
Product: Credit card

I was sent a letter by American Express stating that they incorrectly credited my account for fraudulent charges and that the charges were being reversed. When i called American Express no one was able to tell me what charges were fraudulent, when they were charged, or who the merchant was. Am i just supposed to " take their word for it ''? I dont think so! This is the 3rd time this has happened to me and i believe Amex is trying to cut their losses by hoping people wont inquire about the " supposed reversal '' of credits. In this day of data and technology there is no way i believe that they cant tell me exactly what credit is being reveresed and why! I think a class action lawsuit should be brought against the company and anyone who has experieince this nonsense should be refunded the credit reversal.
Product: Mortgage

XXXX by LoanCare : XXXX. I submitted my mortgage payment on XXXX in the amount of {$2700.00} XXXX. Payment was reversed on XXXX for what was originally labeled incorrect information but then changed to NSF. 
XXXX. We did not receive written or electronic notifications that the payment was reversed. 
XXXX. On XXXX I received a notification that my XXXX XXXX had changed so I did some investigating into why, which was based on a missed mortgage payment. 
XXXX. I logged into the account to pay XXXX mortgage and the reversed XXXX payment. 
XXXX. I then reached out to the customer service at LoanCare to file a dispute and to ask for help reversing the decision based on my evidence. 
XXXX. All help was denied ( hastily ). 
XXXX. All payments are up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on JPMCB CARD XXXX Balance Owed : {$3000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

In XX/XX/year>2024, the autopayment failed to process. I attempted to re-enroll in autopayment only to be told that a first time payment had to be made in order to enroll in autopay. I had made a payment in XX/XX/year>2024 and was current at that time I was told I then was enrolled in autopay. I have held this loan for years and used autopayment with no issue in the past. I now have a late mark on my credit report that is at fault for the glitch in the bank 's software. This should be removed, and the bank 's software system investigated. There is a 30-day late remark on my credit report for XX/XX/year>2024. This needs to be removed. It was at the fault of the bank ; I was told I was enrolled in autopay and that was not the case. It is unclear why, and they only acknowledged my enrollment on XX/XX/year>2024. However, they did not acknowledge why autopay failed to process on XX/XX/XXXX when I was told in XXXX this payment would be applied to the account. I believe this remark should be removed. All payments going forward this issue seems to be resolved and was originally due to a back-end error when coming off of mortgage forbearance the month prior.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent credit reporting agencies and collections companies Identity Theft Report, informing that I am a victim of identity theft and the alleged accounts. This is not misrepresentation I am victim of Identity theft. I further explained this is not a mistake or sent in error. The items found without my credit report I listed are not related to any transactions that I made. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I instructed that I would like to have those accounts blocked and removed expeditiously. XXXX XXXX, I.C. SYSTEMS, INC, XXXX XXXX XXXX XXXX XXXX XXXX. Explained the alleged debt is not mines and if they do please provided a prompt reponse or proof under penalty of perjury you were present during the opening of these debts. I have not received reponse yet. So I am demanding these account be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not request the following hard inquiries on my credit report and this is hurting my file, I've placed a freeze on my files XXXX XX/XX/XXXX2XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX [ Phone Number ] XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Subject : Opt-Out Request and Removal of Erroneous Information from Credit Reports Dear Consumer Financial Protection Bureau, I am writing to formally notify you, in accordance with CFR 6802, 6805, and 16 CFR 433.3, that effective XX/XX/year>, I am opting out of any consent/ authorization verbal, implied, written, or otherwisefor the use of my personal information without my explicit consent. 
Furthermore, I request that you instruct each of the credit reporting agencies-TransUnion, XXXX, and XXXX as well as XXXX XXXX, to immediately remove all erroneous non-mailable addresses, phone numbers, and any misconstrued versions of my name, XXXX XXXX XXXX , from my credit reports. This request is effective immediately and indefinitely. 
The inclusion of inaccurate personal inquiries, information has significantly harmed my ability to build credit and has hindered my financial progress due to violations of my privacy and the failure to bring these matters into compliance per my previous requests. I demand remedy and compensation for every identified violation. 
Please ensure that a copy of this letter is forwarded to each of the mentioned bureaus without delay. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a fraudulent charge from Momnt to XXXX XXXX XXXX XXXXXXXX. On XX/XX/23, I informed Momnt that the services for the {$29000.00} sent to the dental office ( where I am not a patient ) were never provided. Despite not signing the XXXXXXXX XXXX XXXX XXXX XXXX Receipt attached to the Inactive Treatment Plan, the company has refused to refund the full amount of {$29000.00}. This transaction originated when my mother requested that I co-sign for her dental work at XXXX XXXX XXXX XXXXXXXX. During my conversation with financial consultant XXXX, I was misled to believe that the loan application link sent to me was solely for co-signing purposes. However, upon receiving the completed loan documents, it became evident that I was the primary and sole borrower for the line of credit. Consequently, I declined to sign the XXXX XXXX XXXX XXXXXXXX XXXX Receipt as I was misled during the financing process. 

I am not and have never been a patient of XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX ), and I have no financial obligations to this establishment. All financial obligations should be directed towards the patient only. 

Despite me NEVER signing the merchant 's contract, XXXX XXXX XXXX XXXXXXXX refused to refund the funds, and Momnt did not take any action to retrieve the funds from the dental office. I did not directly nor indirectly benefit from any funds dispursed.