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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this
Product: Mortgage

As of XX/XX/2018, or mortgage was transferred from XXXX XXXX XXXX, to Shellpoint Mortgage Services. XXXX S.C.XXXX First of all, we where never informed of such a selling and subsequent transfer, of our mortgage to Shellpoint Mortgage Services . This took place sometime in XX/XX/2018. 
Second, ever since our mortgage was transferred, we have noticed many distressing problems, from ; receiving our payments on time. Also our Homeowners Insurance company XXXX XXXX XXXX, made contact with me via email and phone call, informing us Shellpoint had failed to make the homeowners insurance payments. These had to be made in XX/XX/2018. We had no other choice but to provide XXXX XXXX XXXX with our XXXX XXXX  Credit Card, and make payment, since it was already way past the allotted time, of payment for our homeowners insurance. Please notice we have these payment in escrow. Therefore there is no reason for Shellpoint not make  these payments on time..! 
I already have made contact with XXXX County homeowners Real Estate tax account, to make sure the county, has received their Real Estate Taxes on time. We are awaiting for their clarification at this time ...! 

Since Shellpoint has not kept up with properly servicing our Mortgage, I have requested many times, ever since XX/XX/2018 for clarification. Every time I would call, there was a very long time being on hold through their Customer Care phone number. 
When ever I was able to communicate with their staff, it was someone who had no authority to help with the situation and would take my phone number, to have someone call back with a solution. No one would take the time to call us back, at all. Since the problems just keep mounting, we have decided to file a complaint about this ongoing situation. We truly believe the only way to resolve these, and future issues, with Shellpoint, is to have our mortgage returned to the original mortgage service, through XXXX XXXX XXXX in XXXX, IL.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information has been exposed in multiple data breaches and has resulted in identity fraud. Someone has gotten a hold of my information and is using it to fraudulently open accounts in my name. I just got a copy of my credit report and examined numerous fraudulent account on my report reviewed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer that is protected by the laws of the FDCPA, and attached you will find servers Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, XXXX & EQUIFAX see attached ;
Product: Credit reporting or other personal consumer reports

Someone has gotten a hold of my password on credit karma and made over XXXX inquiries on that and other websites which lowered my credit score to below XXXX and now a XXXX credit score without my permission nor permission to use my credit karma app. to inquire about a car loan, loans, or to apply for some services which lowered my credit score from what it once was XXXX. 

Also, I am having trouble unfreezing my credit report perhaps on XXXX because I do not have access to my old XXXX email addresses. 

My updated information is : Home address XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX Mailing address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX Telephone : XXXX XXXX Email address : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In 2022, I applied for a business loan from BHG Financial in the amount of {$100000.00} under my XXXX, however to finalize the loan I was told it would need to be considered as a personal or sole proprietor instead. I did not complete any of the loan documents, as everything was sent to pre-filled. During the course of paying my loan, I asked about the prepayment option and was told I can't pre-pay the loan for the first 7 years and would be able to pay off the loan if I want to at year XXXX. The interest rate of this loan is beyond high and by the time I get to the prepayment date, I would have paid double the loan amount in interest alone. 

The company doesn't send statements monthly and I have to request statements on my behalf just to see where my loan stands. This is the case with myself as well as my business partners who also took out loan under the same pretenses.
Product: Checking or savings account

On XX/XX/XXXX of XXXX I went to federal prison and had a chime bank account when I got there all my property was sent to my sister 's house she never got the package that contained my wallet my cell phone bank cards social security and drivers license XXXX I got out in XX/XX/XXXX I discovered everything was gone XXXX from the bank acvount.turns out after looking at the statements someone from the neighborhood took the package from her porch and cleaned the account out I know thus because he put his name on it when I reported this to the bank they told me they would investigate the matter I sent them documents from the dept of Justice supporting where I was for thst year and documents about the individual who did it was in custody of the state of Texas for id theft in which he was arrested and out serving 6 years right now..they told me they found no errors.thats outrageous please help
Product: Credit reporting

Safe Rent has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called Safe Rent but XXXX at Safe Rent refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.
Product: Credit card

On XXXX, I paid my Credit Card bill early ( was due XX/XX/XXXX ) and the minimum payment was {$60.00}. I paid {$270.00}. On XXXX my Credit limit was reduced for no reason, from {$3000.00} to {$2800.00}. I WAS NEVER LATE ON PAYMENTS AND ALWAYS PAID MORE. The payment of {$270.00} was suppose to cover the minimum payment of {$60.00} and leave me with an available credit of {$210.00}. Instead, they TOOK {$190.00} and left me with {$83.00}. I called and requested a refund for the remaining {$130.00} on XX/XX/XXXX and the representative informed me that a REQUEST would be made for it and it has to be APPROVED. She said that it would take 3-5 business days. I called on XX/XX/XXXX to check the status. The 1st Rep hung up on me after trying to tell me that my {$270.00} was for over drawing on my card, which isnt true. My account is current and my min payment was only for {$60.00}. The next Rep, transferred me to collections after I asked for her to transfer me to a Supervisor. Collections transferred me back to ANOTHER rep. This rep states that my request is still under review for APPROVAL. I am demanding my money back. Nothing should be under APPROVAL if its MY MONEY. The extra was to have as a cushion for an avail balance, not for them to take, in addition to the min payment, and leave me with {$83.00}. They refunded me XXXX and now my avail credit is {$0.00}. Once I pay this card off, I do not want anything more to do with Citi. They are predatory and a rip off.
Product: Checking or savings account

i was out of town and recently became aware of multiple unauthorized transfers from my zions bank personal and business accounts to found, XXXX {$3700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I HAVE NO IDEA WHAT ACCOUNT I OPENED IN XX/XX/2022. I ACTUALLY HAVE A CURRENT ACCOUNT WITH XXXX XXXX AND XXXX. I AM NOT AWARE OF THIS OTHER ACCOUNT OPENED IN XXXX. SOMEONE IS PROBABLY IMPERSONATING ME.
Product: Mortgage

On XX/XX/XXXX, we sent a written request to remove PMI from mortgage XXXX. This conventional loan is serviced by Dovenmuehle Mortgage , INC . In our letter, we specifically requested that the seasoning period be waived due to the extensive and substantial improvements we have made to the property in accordance with the written policy provided by their company for this procedure. The improvements were listed in the letter requesting removal of PMI and were verified during the property inspection by the Inspector who conducted the appraisal. 

On XX/XX/XXXX, the appraiser, paid for by us and selected by the mortgage holder, went through our home for hours, taking pictures of all rooms and all angles of the inside and the outside of the house. The new appraised valued our home at {$530000.00}. Dovenmuehle Mortgage has a copy of this document as they forwarded it to us. The appraised value at the time of purchase in XX/XX/XXXX was {$400000.00} and the original purchase price was {$380000.00}. The payoff balance is about {$360000.00}. 

On XX/XX/XXXX, the mortgage holder declined the removal of the PMI based on LTV ratio using the original appraised value of the home ( {$380000.00} ), not the most recent appraised value ( {$530000.00} ). We feel that this was an error on their part. Current LTV ratio of our home using the new appraised value is under 70 %. According to their own policy, they should have dropped the PMI at that time. 

We spoke by telephone with a representative of their company on three separate occasion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about this matter, and each time we were assured that they were aware of the new, assessed value of the home and that there was a clerical error on their part that prevented the correct decision from being made. We were also told that a representative of their company would file an appeal on our behalf, since the error was admittedly theirs. They also told me on each occasion that we would receive a written response from them in 10 days. The last deadline was XX/XX/XXXX. That date has long passed with no information, no contact and no response from the mortgage holder. 

We sent a written request to appeal their decision via certified mail 10 days ago but have not had any response to that request either. We also requested reimbursement for all PMI money we have paid to you since XX/XX/XXXX. We are unable to contact this company by email and they do not have a direct dial phone number that we can find. All correspondence must be via USPS, which only adds delay to an already cumbersome process. 

I have copies of all letters that have been sent to them, a copy of the new appraisal and the written policy that they sent me detailing the PMI removal process. I also have a written letter from them ( the only written correspondence we have from them ) with the incorrect appraisal amount listed as the reason for denial. I can supply all of these on request.
Product: Debt collection

My mailbox was broken into in XXXX and mail was stolen. I made a complaint to the complex as well as the United States Postal service.. This month I saw where a collection was placed on my credit report. The account was opened in XXXX of 2023, I do not have an account with XXXX nor have I applied for a account with XXXX since almost 10 years ago. This old account has fallen off my credit 3 years ago.I have disputed the recent account as fraudulent due to it being opened in XXXX but Jefferson Capital Systems who is known for buying junk debt, and resorting to illegal debt collection practices refuses to remove it.
Product: Debt or credit management

I tried to fix my credit with Lexington Law in XXXX Minnesota from XXXX. I spent XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT XXXX XXXX {$10000.00}, XXXX XXXX ACCT # XXXX {$3800.00}, XXXX XXXXXXXX XXXX ACCT XXXX XXXX {$8900.00}, XXXXXXXX XXXX XXXX ACCT XXXX XXXX {$8300.00}, XXXX XXXX XXXX ACCT # XXXX-XXX {$9200.00}. ADDRESSES NEVER LIVED AT ADDRESSES : XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX MI XXXX
Product: Debt collection

Dept recovery solutions has sent me letters trying to say that multiple debts are mine they keep reporting multiple same amounts and same bill as different bills and stacking them on my credit. I have shown them that the debt wasn't mine so the responded with a letter trying to get me to say the debt was mine and giving out my personal information on the mail. Which is illegal.
Product: Credit reporting or other personal consumer reports

Please see the attached e-mail from XXXX XXXX. They confirmed this account is not my responsibility and it is not my fault or account. Please remove this from my credit profiles. 

XXXX XXXX -- {$1900.00} XXXX XXXX XXXX XXXX {$1300.00} This is for my credit account : SSN last 4 : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, V A XXXX
Product: Checking or savings account

My account was frozen. I have XXXX in my checking and in my savings I have XXXX. I has been frozen becuase of a bounced check. I got scammed. Its been over a month cant deposit money, take out money, anything.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the noted accounts, which they denied. I submitted substantial information to do a thorough and reasonable investigation. Unfortunately, Experian failed to do so. If Experian investigated properly they would have found the items being disputed are being reporting inaccurately on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my TransUnion account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 

I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX. THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Please remove the " You have an extended fraud alert in place until XX/XX/2030. '' from my credit report. 

I have attached a screen shot of what to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXSBNASELFLNDR Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/XXXX I saw on my checking account online that two electronic checks for {$1000.00} and {$2000.00} were cashed on my Huntington Nat'l Bank checking account. 
I contacted the bank and we put the account on hold for 90 days, their policy, and opened up a new checking account. 

On XXXX Huntington bank put the {$3000.00} back into the on hold checking account. Then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX asking about the money that was deducted from XXXX XXXX XXXX. 

I called XXXX, which is legit, and explained I don't know who XXXX XXXX is and someone stole my {$3000.00}. XXXX sent me paperwork to fill out so they can investigate and suggested I submit a FTC Identity Theft Report Affidavit. 

So I am doing that now. 

I am filling out the form they sent me and am sending back.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a few items on the report that are inaccurate. The accounts in question are listed below WebBank/fingerhut First Premier XXXX XXXX XXXX Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$65.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that It's a late payment on an account that I was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside the complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks. Please see screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

As a preface to my complaint, I must clarify that I had entered into a 12-month mortgage payment deferment program with my mortgage holder, Wells Fargo Bank. My mortgage payment deferment plan was in effect from XX/XX/XXXX until XX/XX/XXXX. As of this month in XX/XX/XXXX, I am no longer in a deferment plan and I made my regular mortgage payment to Wells Fargo. 

This past XX/XX/XXXX, I received an email from XXXX XXXX in relation to a new credit notification. The notification was associated with a " Delinquent Account '' and the details from the notification state that it was from " Wells Fargo Home Mortgage ''. The status of the notification sates that the account is " 180 days past due '' and the amount of the delinquency is {$7400.00}. The credit bureau associated with this first notification was XXXX. I received a similar notification the next day, XX/XX/XXXX but the status of this notification was " 120 days past due ) and the reported balance was {$0.00} ; The bureau or source attached to this second notification was XXXX. 

On XX/XX/XXXX, I received another notification related to the first notification from XX/XX/XXXX, but it was now reported from the credit bureau XXXX and when I received notice of this third notification concerning my credit status, I received an email concerning an alert with my credit score, which had been reduced drastically by 134 points. My current credit score as of this writing is XXXX and before all of this it was XXXX. The status date of this third notification was XX/XX/XXXX ( I will attach a XXXX XXXX   document with screenshots of the specific details of these notifications taken directly from XXXX ) I believe this to be a mistake on Wells Fargo 's part since I was in a formal 12-month Mortgage deferment program with them. I remained in accordance all through XX/XX/XXXX - XX/XX/XXXX related to the requirements and conditions outlined in the deferment program and I was not in violation of any of the terms and conditions of the deferment plan. I should not have been penalized and should not have had this agreement with Wells Fargo show up as a delinquency on my credit history and my credit score should not have been negatively affected. 

I have asked my assigned Mortgage Consultant with Wells Fargo about this issue and I have not received a satisfactory explanation regarding this issue.