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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have reviewed my credit report and found that the following information is incorrect and/or incomplete. Please investigate and verify the accuracy of this information as required by the Fair Credit Reporting Act ( FCRA ). 

US DEPT ED Account Number : XXXX According to my credit report, there is a negative item associated with this account. However, I would like to request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. If there is an error, please fix or delete this account from my credit report completely. 

XXXX XXXX Account Number : XXXX I have noticed that there is a negative item associated with this account. However, I have no record of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this harmful incorrect data immediately from my credit file. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX- This employer belongs to someone else. I request that you delete it from my credit report immediately. 

The following personal information is incorrect Account XXXX : XXXX XXXX - This employer belongs to someone else. I request that you delete it from my credit report immediately. 

As per the FCRA law, I am entitled to a response from you within 30 days of your receipt of this letter. I kindly request that you complete your investigation and provide me with a written response within this timeframe. I also request that you notify all credit reporting agencies that you have contacted regarding these errors. 

Thank you for your assistance in this matter. 

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

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 moreover 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.
Product: Student loan

I am currently making interest only payments through Navient on my private student loans. The standard payments are so high that I can not afford to pay them and afford to take care of my family. Recently, my wife gave birth to our daughter that was born with premature with XXXX XXXX and XXXX / XXXX XXXX. Due to this very serious condition my wife, who also has student loans, had to stop working and we can no long afford to pay the monthly payments that has been requested. Also, it appears that due to high interest rates on these loans that I may never actually make payments against the principal balance while paying minimum. The current and " affordable '' payment plans would have me paying back on these loans for the rest of my foreseeable future. The payment plans allowed to me are cruel and unforgiving. I am unable to see a way out of this debt and my current path is leading me toward default with no possible alternatives. All of this is due to the manipulative recruiting practices of the XXXX XXXX XXXX XXXX XXXX. While attending this school I never acquired the skills I was promised and often coerced into signing for additional loans I did not understand in order to finish out my degree. Lastly, I was promised job placement at 'predicted ' wages that were never fulfilled. I 'm seeking aid and/or possible loan forgiveness due to unethical recruiting practices and having been coerced into signing for additional student loan funding I did not understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage was transferred from XXXX  XXXX XXXX to XXXX XXXX XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
Product: Mortgage

Unfortunately, I have some very disappointing news to share with you about Shellpoint Mortgage, Despite the fact that I haven't even begun my first payment yet, my loan was transferred on XX/XX/XXXX, from XXXX/NewRez to Shellpoint Mortgage I have been paying on time for 20 years and have never been late. 

I have experienced financial hardship due to the Covid crisis but have been able to pay my mortgage on time. I am considered to be underemployed. 

I wanted to take advantage of RESPA laws for the 60-day grace period to give me time to pay other expenses. My new mortgage company Shellpoint Mortgage unfortunately took the entire payment out of my account. My personal bank information was given to them without my knowledge on XX/XX/XXXX by XXXX XXXX, I spoke with XXXX on several occasions and they never disclosed that the new mortgage company will do this due to the auto bi-weekly program, XXXX told me my last payment would be on XX/XX/XXXX and I need to set up everything with the new company ( I have that voice recorded ) Initially, Shellpoint refused to waive the {$15.00} charge for insufficient funds that I put a request for without fault of my own. After speaking with the Representative at Shellpoint XXXX she informed me they will waive the charge but nothing they can do about extending the payment for XX/XX/XXXX, but my concern I have, that I was told by two Shellpoint Representatives on XX/XX/XXXX that my first monthly payment wouldn't be until XXXX for bi-weekly payments. I called to confirm this information again with another Shellpoint representative on XX/XX/XXXX and both representatives informed me, yes that information is correct the first payment due will be XX/XX/XXXX, I called today XX/XX/XXXX to follow up with the instructions for bi-weekly and discovered that my first payment is due on XXXX tomorrow, this puts me in a bind because I was told by two shell point representative my payment isn't due until XX/XX/XXXX. I initially thought the payment would have been due in XX/XX/XXXX, but after Shellpoint reversed the payment back in and replaced my account, that was the mix-up. Despite communicating with numerous Shellpoint representatives, they failed to catch that error several times. I would like my first mortgage payment to be granted for XX/XX/XXXX with a bi-weekly setup and not full payment by XX/XX/XXXX, due to a shell point representative error. I have these conversations voice recorded and documented. The pain and suffering that I've endured have triggered stress and XXXX within me.
Product: Credit card or prepaid card

I can not cancel my XXXX XXXX XXXX XXXX credit card. I have called and emailed the credit card company directly requesting my account be closed. They do not answer calls, I was sent to an automated system and opted to cancel my account yet the account remains open. The company continues to charge {$2.00} account fees each month. I've contacted the business for which I got the card in the first place ( XXXX & XXXX ) and they said they can not help me and have nothing to do with the credit card company that they work with.
Product: Debt collection

Remove the fraudulent accounts from my credit report immediately ; TransUnion 's denial is unacceptable, and failure to comply will result in legal action. I demand prompt action in accordance with the law to ensure my credit report is accurate and free from fraudulent accounts, with written confirmation of the removal. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} .
Product: Mortgage

I only have one account open with 53rd Bank and my credit report is showing that I have 2 open accounts. I've called 53rd Bank several times to have this fixed and they keep transferring me to different from customer service, to loans to collections and back to customer service.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I noticed these late payments on accounts that I was not late for. How can one consumer reporting agency show ontime payment and another show 30 days late? The consumer reporting agencies have a vital role and it is their responsibility to only report 100 % accurate information. I have not been late on the accounts that I have outlined on the attached screenshots. 

Account Name : XXXX XXXX XXXX Acount # XXXX Month/Year : XX/XX/XXXX & XX/XX/XXXX Account Name : XXXX XXXX Acount # XXXX Month/Year : XX/XX/XXXX & XX/XX/XXXX & XXXX XXXX Please investigate and provide proof with statements showing that the payments were in fact late. If proof can not be provided, I demand these payments be updated to PAID AS AGREED ON TIME status as they should be reporting as.
Product: Credit card

All payments have been made on time to this Company there was no valid reasons for them to decrease the credit limit or charge a higher interest rate.
Product: Credit reporting or other personal consumer reports

I am writing this complaint in response to CFPB complaint XXXX in which I initially asked for verification. However, in response XXXX admits that I may be a victim of fraud. I have filed a police report previous to my initial complaint which attests to XXXXXXXX XXXX conclusion. 
With the above stated facts this account XXXX XXXX XXXX acct # XXXX needs to be deleted immediately, else I will take legal action against all parties concerned.
Product: Debt collection

I requested validation of alleged debt twice from BUSINESS PROFESSIONAL SERVICES.I have no contract with BUSINESS PROFESSIONAL SERVICES and there is no debt owed to them. The first request for debt validation was sent on XXXX and was responded to on XX/XX/XXXX. A second request with detailed information including the full name, senders return address and last 4 of social security card number. BUSINESS PROFESSIONAL SERVICES responded with an identical copy of the first response, requesting information already provided. As well as a clear decription of the documents requested by sender, possible violations by BUSINESS PROFFESIONAL SERVICES, with ample opportunity to remedy. BUSINESS PROFESSIONAL SERVICES has potentially violated 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others I will be contacting the Securities Exchange Commission as well regarding this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX/XXXX  XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my background check complete for work and noticed a address which I've never visited or lived before. I also found it on my experion credit report. 

Address is XXXX XXXX XXXX XXXX, CA XXXX I have been a victim of identity fraud before as well.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit bureau agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Credit Card account opened with XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number. ( XXXX ), an credit card account open with XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), an credit card account open with XXXX  XXXX on XXXX XXXX under the account number ( XXXX ), an credit card account open with XXXX XXXX on XXXX XXXX XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Good morning, I applied for a HELOC loan with XX/XX/XXXX. When I applied for the loan, XX/XX/XXXX asked me pay off two credit card balances XXXX XXXX and XXXX XXXX. 
The balance of the chase credit card was {$9000.00}. When I received the check from Old Republic Title, I went to the bank to pay off the balance, but they didnt received the check because the balance by the time was ( {$7700.00} I had paid days before {$1300.00} ). I called Old Republic Title and the representative asked me to void the check and she will send me another one for {$7700.00}. I received the check, went to bank and paid off the balance. 
The issue was, Old Republic Title didnt update this change to XXXX, they didnt update the amount of money paid was {$1300.00} lower and I am paying ( still ) the original amount of {$9000.00}. 
I made many complains to USBank including two complains to CFPB. Finally, I understood the mistake was not made by XXXX but Old Republic Title. 
I am requesting to refund {$1300.00} + Interest paid. 

Old Republic National Title. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my file that I do not recognize nor have I applied for credit with those companies. I reached out to the credit reporting company to oy be ignored.
Product: Credit reporting

In XX/XX/2013, I disputed an account that was reflecting on my credit report with XXXX and also XXXX. I also sent a request for validation directly to the collection agency. Soon after, the account was removed from both XXXX and XXXX credit reports. 

After checking my credit recently, I noticed this account has reappeared on my credit report, specifically it is reporting now on my Equifax credit report under another agency. I have tried contacting the bureaus directly, Monday XXXX XXXX regarding the removal of this account but have not received correct information to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my transunion credit report. XXXX XXXX I was never a student at this school or any related institution. Further there shows to be an account showing XXXX XXXX XXXXXXXXThis account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the CDIA. Therefore, please remove this account. CREDIT ACCEPTANCE CORPXXXX Is inaccurately reporting past due balances on all credit reports as being 120 days late. Payment is current and has been reporting payments received and the amount but still showing as if the account is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Mortgage

I called my mortgage company both last month and this month to discuss the fact that due to the Coronavirus, my wife lost her job and as such we've had to pay for continuing medical insurance out of pocket. When I called in XXXX on approximately XX/XX/2020 I asked what the procedure would be under the circumstances in the event I was unable to pay our mortgage. At that time the mortgage company informed me that the procedure is no different than if we weren't in the middle of a crisis and therefore they would send me a loss mitigation package and I would be able to complete to see if I qualify for a loan modification. Just the other day on XX/XX/2020, the mortgage company called me to discuss getting the loan paid up to date. I explained our financial situation once again to the representative over the phone and again asked about a 90 day forbearance as our state Governor has mandated this relief for homeowners without penalty. Our mortgage company is not following this mandate and instead is penalizing us by causing us to either enter into a strenuous time-consuming process of loss mitigation in order to " see if we qualify '', or, skip the payments and risk foreclosure action by them. By default, any homeowner in New Jersey that has a mortgage qualifies for this program. Why is my mortgage company taking a hard line with this with no repercussions to them? Very unfair and unjust in light of the current disaster situation we're in. We, as homeowners should not be placed in a precarious position for something we did not cause to occur. By the mortgage company sending me the loss mitigation package and having to complete it, it would create a hardship on us to get all of this paperwork completed and at the end of all that, we still may not qualify and next we'll find ourselves in foreclosure and possibly risk losing our home.
Product: Credit reporting or other personal consumer reports

I am writing to complain to ALLY FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate isXX/XX/XXXX. The FTC report number 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.
Product: Debt collection

My wife passed away last month, she had a personal credit card and a personal account with Citibank. 

I also have myself another personal account with Citibank, where I receive my salary. On this specific account my wife was a co-signer. 

After she passed away, Citibank is now charging me the bill of her personal credit card. Which I have nothing to do with. 

She had no will or state. I do n't think this is correct Citibank trying to charge me of debits from her personal credit card.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows account that does not correspond to any Master Promissory note at a time I was not in school. Continues to report to my credit reports.