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

I submitted disputes and a complaint it wasnt until I spoke with a rep last Friday who said to file a report through the ftc. I did that provided that called back yesterday and they said I needed to report all XXXX collections because the system only allows XXXX. This morning I wake up to an email basically saying what they always say the information is yours when it is not. I dont know what I have to provide my dna to have it removed it. Experian literally said once I provided that they would remove the items and they didnt. Its so frustrating knowing something is not yours yet you have to pull teeth to get something removed I am absolutely fed up with experian and its not fair.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting or other personal consumer reports

The disputed account XXXX XXXX XXXX on XX/XX/year> was incorrectly resolved by XXXX. I have never lived in XXXX
Product: Mortgage

I signed the closing disclosure on XX/XX/XXXX for a refinance home loan with Loandepot.com. 
Today, XX/XX/XXXX I checked my loan depot account online and noticed they have multiple closing disclosures that show a different : monthly payment, closing cost, homeowners insurance amount, and different cash amount given to me. 
I spoke with XXXX XXXX, the Sr. account manager, and she mentioned the reason it changed because the insurance was not included in the loan estimate, and that there was a renewal of the home insurance which is more expensive. The home owner 's insurance it 's included in the closing disclosure I signed which rejects XXXX XXXX XXXX 's explanation of the increase. 

I left a message today to XXXX XXXX wanting to cancel because according to their legal documents, I can cancel on the closing disclosure ... One of my closing disclosures on myloandepot.com account is dated today XX/XX/XXXX. So I should be able to cancel it. XXXX XXXX responded on a voice mail that I can not cancel because the document I signed it 's a legal binding document. 
IF it is a legal binding document then IT IS ILLEGAL TO CHANGE EVERYTHING AFTER I SIGNED IT.
Product: Checking or savings account

On XX/XX/year> received a text from my bank that my personal information had been changed and to contact them if I didnt imitate the changes. I didnt make the changes and called the bank. They froze my account and told me they can not verify who I am. I provided them with my valid drivers license and a selfie per their requirement, I have tried this twice. They are telling me my selfie isnt verifying. Its my account my money!!! I dont know what else to do.
Product: Credit card or prepaid card

Airline tickets were purchased using Citi travel rewards points onXX/XX/2020. These tickets were cancelled by Citi on XX/XX/20. We contacted Customer Service on XXXX to inquire where our refund check was. We spoke to XXXX and then to XXXX who said an escalation ticket would be sent through so that a refund check would be sent to our home address. 
On XX/XX/XXXX we spoke to XXXX who claimed to be a supervisor. He stated he could see in the system that a refund check was requested onXX/XX/XXXX.He could see that the refund from the airlines was received at Citi in XXXX. He said the refund check was in-queue to be sent XX/XX/XXXX and that it would be 4 to 6 weeks before we receive check. We confirmed our address. On XX/XX/XXXX we spoke to XXXX who could see all previous notes. He stated he would put through a second escalation ticket. He said he would contact his personal supervisor XXXX and call back on XX/XX/XXXX. We confirmed phone number. We have yet to hear from XXXX or XXXX. On 1XX/XX/XXXX we spoke to XXXX also an alleged supervisor. She allegedly contacted the Accounting department to request a check. She stated she would contact us in 24 to 48 hours. We have yet to hear from XXXX and we have no refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by XXXX XXXX XXXX XXXX in XXXX Virginia.on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
-- -- -- -- -- - In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Anyone paying for your reporting services could fax, mail or email in a fraudulent account, or add an account fraudulently using the E-Oscar system. -- -- -- -- -- -- -- -- I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. To date, Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. -- -- -- -- -- -- Moreover, two accounts have been in " Dispute Not Available '' status for almost 8 months, which I have included in screen shot. Finally, I did NOT authorize the XXXX XXXX  XXXX made on XX/XX/XXXX! It must be verified as with any other data or removed immediately. All inquiries prior to XX/XX/XXXX are outdated and also must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Student loan

I have had private loans through Navient since 2006 because I did not qualify for federal loans due to my parents income. I went to school to be a teacher, I do not make a lot of money. Although Navient is currently working with me on lowering the interest rate, my loan amounts have doubled or more in many cases due to forbearance etc. these loans were put into forbearance when I had previously called to lower payments because I couldnt afford them. Rather than work with me, Navient deceived me and they have cost me roughly 30k in interest that I cant afford.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report, which is inaccurately listed as a charge-off with a balance of {$3700.00}. This account contains numerous discrepancies regarding the balance, past-due amount, payment history, and overall account status. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., all information reported to credit bureaus must be accurate, complete, and verifiable. XXXX XXXX has failed to meet these standards and has not provided proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Specifically, XXXX XXXX has not provided a legally binding agreement that includes my authentic signature and full Social Security number to validate my obligation to this debt. Additionally, I am invoking my rights under FCRA, 15 U.S.C. 1681i ( a ), to request that the credit reporting agencies verify the accuracy and validation of the information being reported by XXXX XXXX. This statute obligates credit reporting agencies to investigate disputes and confirm the validity of the reported information with the data furnisher. Under 15 U.S.C. 1681s-2 ( b ), XXXX XXXX is required to conduct a thorough investigation of the dispute and correct or delete any inaccurate, incomplete, or unverifiable information. The charge-off designation and other details, including the past-due amount of {$1300.00} and payment history, remain unverified and are inaccurate. Without proper validation and documentation, this account can not be legally or accurately reported, and its continued presence on my credit report constitutes harm to my creditworthiness and reputation. A fair resolution to this issue would require the immediate deletion of this account from my credit report due to these inaccuracies and the lack of validation. If XXXX XXXX can not validate this debt with accurate and complete documentation, including a signed agreement with my authentic signature and full Social Security number, I request that the account be permanently removed from my credit report. If the account can not be deleted, I demand a full investigation into all reported details, including the balance, payment history, and account status, and that any inaccuracies be corrected. Failure to address these inaccuracies may result in further escalation, including legal or regulatory action, to enforce my rights under the FCRA and FDCPA. I trust that this matter will be resolved promptly and look forward to written confirmation of the results of your investigation.
Product: Checking or savings account

Navy Federal has charged me fees when I have had money in my account. I dont know the exact dates because it was on numerous occasions where they would charge me.
Product: Mortgage

Dear Sir/Madam, After reading all the complaints, I have decided to file a complaint with CFPB which is probably the only way to resolve my issues with Shellpoint Mortgage from XXXX. 
My loan was transferred to Shellpoint in 2022 and thats when my nightmare started. 

I have two major issues with them that have not been resolved : ( 1 ) I have requested multiple times to remove the escrow account from this loan because they have been charging unjust payments to my escrow account ; ( 2 ) Shellpoint has been adding unjust Lender Placed Flood and Hazard insurance to my escrow account.

Your attention is deeply appreciated, and I look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX VIOLATION OF THE FCRA .. ( XXXX XXXX XXXXXXXX XXXX & ( EXPERIAN XXXX IS REPORTING UNAUTHORIZED CREDIT INQUIRY ON MY EXPERIAN CONSUMER CREDIT FILE.... TITLED... ( XXXX XXXX XXXXXXXX XX/XX/year> )... IS.. IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD .... XXXX XXXX XXXXXXXX AND EXPERIAN FAILED TO REMOVE THE UNAUTHORIZED ( XXXX XXXX XXXXXXXX XX/XX/year> ) INQUIRY INFORMATION.SINCE ( XX/XX/year> CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Product: Credit card or prepaid card

hi I was robbed and defrauded by transferwise.com company he closed my account and refuse refund my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for several months now to repair my credit and my letters sent to the credit bureaus have been ignored. 

My credit report reflects many accounts that are being reported incorrectly, such as last date of activity, late payments, balances. I have the right to a fair credit, to be correctly reported in the 3 credit bureaus
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX - BALANCE {$220.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$350.00} Account Name : XXXX # XXXX OPENED XX/XX/XXXX - BALANCE {$770.00} Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX - BALANCE {$1700.00} Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX -BALANCE {$1500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX - BALANCE {$4000.00} Account Name : XXXX XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX - BALANCE {$15000.00} Account Name : Unknown # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$170.00} Unauthorized Inquiries : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. This collection needs to be DELETED as soon as possible.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach and subsequent identity theft, which resulted in the unauthorized opening of several fraudulent accounts and credit inquiries under my name. As allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. Bankruptcy XXXX XXXX o Case Number : XXXX o Date Filed : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$10000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XXXX o Balance : {$280.00} XXXX. XXXX XXXX XXXX XXXX 
o Account XXXX : XXXX o Date Opened : XXXX o Balance : {$36000.00} XXXX. Bankruptcy XXXX  XXXX o Case Number : XXXX o Date Filed : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$2000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX. XXXX XXXX XXXX o Date of XXXX : XXXX
Product: Debt collection

I owed a medical bill, I went online to Focus Financial Services to make the payment. I got a confirmation number on XX/XX/XXXX stating that I paid in full the debt owed. Then I check my bank account a few days later and I see Focus Financial Services took out another payment in the same amount taken out on XX/XX/XXXX. My wife called and spoke with a representive named XXXX he threatened her about her accounts and said nothing can be done even though she called regarding a payment made on my account. So she told him we will just stop the payments and report them for trying to collect a debt that was already paid for in full. He then told me that his supervisor would get back to me or her but he didn't. She called again and spoke with XXXX, he stated that since its an overpayment their supervisor XXXX XXXX would just have to okay it and the money should be refunded. She thanked him and then I had to call to confirm that they were the ones that made the mistake. I got in touch with the supervisor XXXX XXXX who lied to me and told me that he sees a payment made on XX/XX/XXXX. I proved he lied because our chase bank statement showed they took it out on XX/XX/XXXX. The story they were giving us was not adding up. I called back to get clarification from his statement and he still repeated the same thing and then tried to say that we must have made a payment days later. I told him that we have proof that we confirmed the first payment on XX/XX/XXXX because we have a confirmation number however when I asked about the confirmation number for the " supposed '' second payment he couldn't provide it to me. He said he does not have access to the Online system yet his phone number is listed as the primary number to call if anyone has any problems and concerns. He refused to work with us and threaten us. We called our bank to put a stop payment since he said there is nothing he can do. Worse customer service. The manager XXXX XXXX was not helpful and was completely ignorant on how his own companies Online Services work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost everything on the credit report is false and fraud. It is corruption with credit bureau and government contract that implemented false credit debt loans false credit cards and fraudulent student loans.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I was told that refinancing my home would lead to a principal reduction and my new term would pay away at my principal faster. When everything was said and done, the principal amount went up and I am further behind than I was prior to the refinance. This was not explained to me thoroughly. Penny Mac has failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Debt collection

I am filing to dispute all inaccuracies on my credit report with Experian.
Product: Credit reporting or other personal consumer reports

this closed account is incorrect as it never belonged to me
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.