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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Request to Update Personal Information 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obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated.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Please find below the specific details of the incorrect or outdated information : 1. 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. 

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Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.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

3. Date of Birth : The date on my credit report, XXXX, is no right. I request that my real birth is XXXX be updated completely. 

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 Social security Number Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Student loan

I have been trying to negotiate with XXXX XXXX - now NAVIENT - since 2011 to discharge my loans, based on my status as a XXXX person and, based on their standard requirements for discharge - which I have shown them I meet. I have provided ample medical documentation, including doctor 's statements and still, they refuse to discharge. They have not, as yet, put my loans into default. Despite numerous requests, they will not provide me with reasons for their refusal to discharge. There should be some reasonable recourse for me to get them to follow their own rules.
Product: Credit reporting or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

On XX/XX/2021, both my husband and I first tried to make a principal payment on our home mortgage on Loan Depot 's online portal, loandepot.loanadministration.com. Each of us were informed on that website that the payment did not go through, and to call XXXX XXXX XXXX XXXX. I then called that number, and spoke to XXXX. The call lasted 47 minutes. XXXX at Loan Depot informed me that I could not make a principal payment on the loan because there was a " stop '' on our account. The only way to remove the stop is to email the Loan Depot research team to get the " stop '' removed. The " stop '' is a code which apparently requires certified funds or a money order for payment. The alternative is to mail in certified funds or a money order ( which can only be obtained by going into a bank during Covid ), and then mailing that payment to them. XXXX informed me there was NO ONE available who could remove that " stop. '' The only remedy is to email the Loan Depot research Department, which effectively prevents us from making our principal paydown today. I have emailed the Loan Depot Research Department and predictably have received no response. 

Moreover, we make our monthly mortgage payments to Loan Depot directly from our bank through ACH and have never been late on any payment. We have excellent credit. 

It appears to us that Loan Depot is attempting to preclude us from making a substantial principal paydown. 

We are requesting that the CFPB investigate this interference with our attempt to make a principal loan reduction. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I received a notice from a Mortgage Broker with whom I've filed an application stating that my credit has been frozen. To my knowledge, I've never frozen my credit. In order to unfreeze my credit, I went to the Experian XXXX XXXX XXXX  ( https : //www.experian.com/freeze/center.html ) and followed the " Remove or lift a security freeze '' button. I fill out the form correctly and truthfully, but when hitting Submit, I get a " Security freeze error '' with " We are unable to process your request. If you would like further assistance in removing your Freeze, please contact us at XXXX ''. Calling that number, however, is completely unhelpful. It's an unmanned line with only two inappropriate options and no way to reach a person or address my concern and ending with a description of how to send a snail mail letter.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Inaccurate Reporting of Shellpoint Mortgage Account Dear XXXX and XXXX I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit profile concerning my Shell point Mortgage account. Both XXXX and XXXX have failed to correct the errors despite multiple requests and verifications from Shell point Mortgage. 

Account Details : Account Name : Shell point Mortgage Servicing Incorrect Balance Reported : {$210000.00} Correct Balance : {$190000.00} Inaccurate Late Payments : None confirmed by Shell point Mortgage Despite Shell point Mortgage confirming there are no late payments on this account, both XXXX and XXXX have inaccurately reported late payments, causing undue damage to my credit score and financial standing. Furthermore, the balance of {$210000.00} reported by your agencies is incorrect. Shell point Mortgage has verified that the accurate balance is {$190000.00}. 

These inaccuracies are currently under review and litigation, and I have escalated this issue to the arbitration board. Your continued failure to correct this fraudulent information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit profile. 

I demand that all incorrect late payment entries be removed immediately and the balance be corrected to accurately reflect {$190000.00}. Failure to address this matter promptly may result in further legal action, including seeking fines and penalties for non-compliance. 

I expect this correction to be made within the legally mandated timeframe, and I request a written confirmation of the actions taken. Please consider this letter a formal notice of your obligation to correct these inaccuracies immediately. 

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

I XXXX XXXX XXXX recently received a copy of my credit report and seen the illegally reporting which are unauthorized inquiries. The following inquiries listed are from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JPMCB CardXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the listed company 's to access or report any inaccurate information on my credit files. I am need assistance with removing the unauthorized inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023, I received a notice from XXXX XXXX  stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to XXXX XXXX, requesting validation. XXXX later provided an account statement from XXXX XXXX, but failed to provide a contract or a signed finance agreement as requested. nor did they provide proof of their right to collect on this alleged debt. On XXXX XXXX inaccurately reported this account to Equifax, XXXX XXXX XXXX XXXX, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with Equifax. Instead of deleting this account as being inaccurately reported, Equifax allowed XXXX to Update the inaccurately reported account and changed the creditor to XXXX XXXX. Equifax also accepted a fraudulent account statement to substaniate this debt without requiring a signed agreement or contract for services. If they had, they would have discovered there was none. They also would have discovered that XXXX claimed to provide additional coverage outside the coverage period without authorization. 
XXXX did not stop collection procedures until the debt was validated. Prior to this XXXX XXXX report I had a! 00 % payment history and XXXX credit score. I believe XXXX, Equifax, XXXX XXXX XXXX XXXX violated the Fair debt reporting act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX with an account number XXXX, has 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 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 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 ) ( 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. In accordance with the Fair Credit Repo
rting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting or other personal consumer reports

I submitted a request for a block of adverse information that was included in my consumer report that was a direct result of my abuse and status of a victim of XXXX XXXX. I also submitted a self-attestation of my status as a victim of XXXX  XXXX  signed by a notary of the state of Florida and they denied to block adverse information. Under 15 U.S Code 1681, 605 b : ( 1 ) XXXX  DOCUMENTATION.The term trafficking documentation means ( A ) documentation of either ( i ) a determination by a Federal or State government entity that a consumer is a victim of XXXX  ; or ( ii ) a determination by a court of competent jurisdiction that a consumer is a victim of XXXX  ; and ( B ) documentation that identifies items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from the severe form of trafficking in persons or XXXX XXXX  of which such consumer is a victim. As per their instructions on their website for information for victims of XXXX XXXX, they require a " A self-attestation, which is a statement prepared by you ( or your representative ) stating that you were a victim of XXXX XXXX that is certified by an authorized employee or representative of a governmental agency or non-governmental entity ; be provided '' I provided a notarized attestation of my status as a victim and they denied my request and violated my rights under this law. A notary is considered an " public officer of the state of Florida '' and has legal authority to validate my self-attestation affidavit that I provided to XXXX. I would like to enforce my rights to the full extent of the law as the denial of the blocking of this information is further contributing to my suffering as a victim of XXXX XXXX. I would like financial compensation of {$1000.00} per violation and immediate removal of all adverse information as remedy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information being reported on my credit report regarding the account referenced below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from multiple credit reporting agencies, I have discovered conflicting information regarding the payment status of this account. Specifically : Transunion reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
XXXX reports the payment status as " Past Due '', suggesting that there are delinquent payments on this account. 
This discrepancy in reporting has caused confusion and is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must provide accurate and consistent information in credit reports. 
I request that you conduct a thorough investigation into the reporting of the payment status of this account and take appropriate action to correct the inaccuracies. Please ensure that the payment status is accurately reflected on my credit reports from all credit reporting agencies.
Product: Checking or savings account

On XX/XX/XXXX I received a bank text stating I would no longer receive alerts and had to register online. I thought that was suspicious. Got online and noticed an amount of XXXX pending.i knew it wasnt me or my spouse. I panicked and called Chase bank immediately. The person on the phone stated he would freeze my account until I could prove who I was. Informing him I was out of town but would do it immediately arriving home. So on XX/XX/XXXX I went into the bank and the banker said he couldnt see why someone would transfer that amount into my savings so he said will close your checking and 3 savings account. At this time I informed him I only have one savings. Upon further checking he noticed that someone opened 2 online accounts and was trying to transfer the money into this accounts. So he closed the accounts and made me a new checking and savings and transferred the funds into those accounts. The next day I tried using the accounts to find out they were frozen. I went back to the banker he said he wasnt supposed to open those accounts and now its under investigation and to this day I still dont have my money. I started a claim and when n I call to follow up everyone is telling me a different story. The new account happens at XXXX Ca. Chase Bank XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX XXXX  account and requesting a re-investigation of all reported details. First, I dispute the balance of {$1200.00}, which exceeds the original credit limit of {$900.00}, reflecting a utilization rate of 136 %, even though the account is listed as charged off. This is inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX XXXX XXXX XXXX status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX XXXX XXXX  legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$1200.00}, since the account was closed and charged off on XX/XX/year>. Reporting a balance as past due after a charge-off is inaccurate and should be corrected under FCRA 15 U.S.C. 1681i. The worst payment status listed as Charge-off, along with inconsistent payment history, violates FCRA 15 U.S.C. 1681c and must be corrected or removed. Lastly, I dispute the remarks, stating " Charged off account, '' as these are misleading and should be removed in compliance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}
Product: Credit card or prepaid card

My husband opened a Best Buy Citibank credit card in XXXX. Citibank to date has withdrawn XXXX XXXX. They had authorization to withdraw XXXX. XXXX  a month. At times they went into my account which only had our social security and civil service pensions and withdrew money several times in a month. Most recently they withdrew XXXX XXXX. The account is now in the negative. I want them to reimburse all the money they took. I cant believe they can get away with these deceptive practices. I read your lawsuit against them and I feel victimized by them.
Product: Mortgage

My issue is with Freedom Mortgage Corporation. In XXXX, during the process to calculate my new mortgage payment for the year XXXX, an error was made by 'XXXX XXXX '' my property taxes -- which have always been escrowed into my mortgage for nearly XXXX years -- causing a shortage in excess of {$2300.00}, and a nearly {$400.00} increase in my mortgage for XXXX I didn/t know of the error until my escrow analysis arrived in XX/XX/XXXX. Based on the error made by Freedom Mortgage, my mortgage skyrocketed from {$540.00} ( XXXX ) to {$910.00} ( XXXX ) I have been able to reduce the mortgage to just over a {$200.00} increase.by spreading out the shortage over 48 months, The new monthly payment is expected to be {$760.00}, However, even that's not affordable... I am a senior citizen, on a fixed income with other financial responsibilities. 

When I received the results of the escrow analysis, I contacted Freedom Mortgage Corporation for an explanation, I spoke with several people, who had difficulty trying to determine what really happened. I finally got someone who seemed to know what she was talking about on XX/XX/XXXX. She was able to review and explain what had been done that landed me in this situation, but that doesn't. make my circumstances any better. I really don't feel I should be punished for the incompetence of someone else who didn't know or care what they were doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC on XX/XX/2019 mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX in which I do not live there. Do not own, rent, or have a mortgage at or at that address. Equifax has my name or some one else at this address. I have uploaded the letter on XX/XX/2019and Equifax Information Services LLC. My name is not Spell right and this person on the letter XXXX XXXX is not me nor my address. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXXEquifax Name on Letter XX/XX/19 XXXX XXXX is not me nor my name. It also seems Equifax likes to play a lot of games with there error..Stop sending mail that's not me to XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX unless you have documented proof to provide of the said address.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report and some inquiries which do not belong to me I need these off my credit since they are not mine I have not applied for these or used any of these!!!!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX SERVICES Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Debt collection

I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.