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

This is my second-time requesting 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 items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XX/XX/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

Credit inquiry from capital One on XX/XX/2021. Did not apply for credit. 

Credit inquiry for XXXX for XX/XX/2021. Did not apply for credit. 

Inquiry for XXXX XXXX for XX/XX/2021 and XX/XX/2021. They were both loan applications. I was told if loan applications were done within 30 days it would be 1 credit pull so 1 inquiry.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and Im baffled as to why. I reviewed my credit report as usual, but this time, unexpected discrepancies appeared. I tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. Due to this issue, I request that the documents I sent be thoroughly examined to ensure I won't have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX tried calling to dispute inquiries on my report that i did not authorize, put on hold for a long time, then got hung up on.. 

These are the inquiries i did not authorize to the companies XX/XX/XXXX by XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit card or prepaid card

I am having late payments from over five years ago still impacting my credit. I would like them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and i noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Section 1681 ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not 100 percent accurate and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where i can get the updated report after you investigate this. Could you please send me a copy of my credit report after this is done? Also please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is at the beginning of this letter. 

Thank you, XXXX XXXX XXXX Account XXXX :
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX  XXXX Balance {$740.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$260.00} XXXX XXXX XXXXXXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

To whom this may concern : My name is XXXX XXXX My complaint is the lender in question may be using discriminatory practices. After stating in an email in XX/XX/XXXX I can move forward with the loan. No one contacted me to provide additional paperwork to reapply for the homestyle renovation loan. Instead, I was only told that my original architectural plans would need be changed in order for my loan to proceed. This cost was an additional XXXX $ dollars. Then, I'm notified my loan is denied in XX/XX/XXXX. It should be noted that the lender states I was officially denied in XX/XX/XXXX. But, why not tell me that if they requested new architectural plans a month before the denial? 

I've attached the denial documentation, email correspondence and an a photo of the completed attachment. It's clear my project meets fannie mae guidelines. What is not clear is when did my architectural drawings not meet the lenders guidelines. 

I need assistance seeking compensation for cost of installing solar XXXX XXXX I would not have had to add solar if the original lender went through with the changed plans. 



Your name and contact information ; XXXX XXXX XXXX The FHA Case Number ; XXXX Property Address ; XXXX XXXX XXXX XXXX, XXXX  XXXX Mortgagee Information ; and American Financial Resources XXXX Inc. / eLend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Direct : XXXX
Product: Credit card or prepaid card

Card has been on a " security hold '' for no apparent reason and without notice to myself since XX/XX/18. Customer service will not, or can not take any action including payment, closure or resolution until I speak with their security department. I have made 3 attempts to contact the security department via phone and was placed on hold without answer for a total of 5 hours over the past week ( last call was XX/XX/18 ). They have refused to close the account, and I have no means of contacting them other than the phone, which they do not answer. HSBC has had a high volume of similar complaints on various consumer sites.
Product: Mortgage

Dear whom it may concern, Hello my name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I had my home loan with Chase Bank many years. After the subprime mortgage crisis our family experienced lot of financial hardship. Around XX/XX/XXXX, Chase Bank mailed to us an offer for refinancing with dropped interest rate. They said if I refinanced, my mortgage payments would be lower. At the time I thought it was a good idea so I applied. 
During the loan refinancing process I asked Chase a few times about any available government modification programs, and they said no, I did not qualify. They said that since my credit score was low could make 6.75 % to 5 % with 1 % point principal add charged, I did n't have any choice but to continue with the refinancing. 
After a couple month, we finished the refinancing process in XX/XX/XXXX, we unfortunately began to suffer financially even more than previous year. We were unable to make the mortgage payments for about 2 years. 
XX/XX/XXXX, we had a mortgage loan modification with Chase. When I asked them again about any government modification programs, Chase told me that I did not qualify because my loan was after XX/XX/XXXX. I said, but my original loan was from a long time ago and I did the refinancing because the bank told me it was the only option for lowering my mortgage payments. They told me my loan still did not qualify for government modification programs. Instead they could put us through Chase Bank modification program. 
We did not have any choice ; our family needed a place to live. 
Since the modification in XX/XX/XXXX, we have been paying the payments. 
I am a XXXX citizen. We are not a primary English language using family. I know now the government loan modifications started XX/XX/XXXX. It seems to me that the bank intentionally prevented me from benefitting from the government modification programs. They told me the only way for me to have lower mortgage payments was to refinance, but this only ended up blocking me further from government modification programs. 
I think my loan modification was unfairly settled up. I would very much appreciate if you could please review entirely my case, and help in any way you can. Thank you for your time and consideration. 
Chase Original Loan Number : XXXX was 6.75 % XX/XX/XXXX Refinanced Loan Number : XXXX current.XXXX % XX/XX/XXXX Modification 5.0 % Sincerely, XXXX XXXX
Product: Credit card

on XX/XX/XXXX i received a call from a credit collector stating that i owed XXXX dollars into a close account to make a payment. i thought this was someone trying to scam me until i proceeded to the bank in which the credit was opened they confirmed to me that an account was opened XX/XX/XXXX under my name and that account was charged off and sent to collections. 

I have tried to dispute this twice with no luck The account has an address that i have never lived on Also the card that was opened under my name has one last name and i have two last names Which i have in all my personal documents including debit cards and government ids.
Product: Debt collection

I was contacted by Riverwalk and was talked into a student loan consolidation program for my federal student loans. I found later out on my own that my loan was already consolidated four years prior and federal student loan consolidation is free. They wanted me to pay them XXXX in fees for consolidation ( this fee was not discussed ). They took my social and debit card information. I put a block on my card before they could charge it. They didnt have my student loan information before they wanted to charge me. I was being set up to pay an outstanding amount for a solution they could not give me and one that could be done for free. 

I later contacted the company telling them I realized my loans have already been consolidated and there was nothing they could do to help me. I asked for the companys address and everything changed in the tone of conversation, I was then threatened to be taken to collections, my credit was also threatened and the language became really aggressive.
Product: Debt collection

To whom It may concern, I request validation of this debt per Texas  Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of XXXX and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a freeze on my credit and I am trying to refinance my home. This will save me thousands of dollars. They are requesting that I mail to a PO Box my SSN, and other personal documents to unfreeze. I have called numerous phone numbers and can not speak to a human. I am in a position to better myself financial but can not reach anyone! Please provide information to myself so that I can fix this ASAP. This is very time sensative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated 15 USC 1692g of theFair Reporting Act They were to notify me in writing 5 Days prior to reinserting data regarding Account # XXXXXXXX XXXX back on my report and I was not notified. Also it's been well pass the 30 Days so they need to delete this account. XXXX and XXXX deleted the account already.
Product: Debt collection

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER XXXX XXXX SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXXXXXX XXXX XXXX XXXX XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX XXXXXXXX subsidiary that owns the shares of. I WILL BE FILING FORM 211 TREASURY XXXX  FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian by phone on XX/XX/XXXX regarding inaccurate information that continues to appear only on my Experian credit report. The creditor continually reporting inaccurately is XXXX XXXX and I have disputed the information both directly with them and now Experian. They are in violation of my rights as a consumer by reporting this for t

wo reasons. 1 ) the account has been reporting since XXXX and it is well beyond the credit reporting threshold of 7 years 2 ) the account is not mine, it is not even in my name it belongs to an ex XXXX XXXX who opened and used my information as a joint account without me present or my permission When I spoke to Experian on XX/XX/XXXX they agreed that XXXX, XXXX was in violation and could not continue to reporting an account to my credit for 10+ years. Additionally, they moved the same balance and account over to another account that they declared as written off in XXXX so that could report it longer. Both accounts are still on my credit report to this day. Experian advised me that they would open a dispute with XXXX, XXXX letting them know of the violations and then the accounts would be deleted from my file. I then get communication back on the dispute via email stating that XXXX XXXX again confirmed the information was accurate and that it wouldnt be removed. At this point, I am submitting my claim here as a last attempt to resolve this injustice against me. I know my rights and these companies can not report something for 10+ years. I have the documents and dates to prove everything too. If you can not get this resolved, I will seek legal action because I have the right to do so. I have already consulted with an attorney who did advise that I bring this to court.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account 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 XXXX. XXXX : Acct # XXXX XXXX. XXXX  : Acct # XXXX XXXX : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX : Acct # XXXX XXXX. XXXX XXXX : Acct # XXXX
Product: Mortgage

Newrez LLC dba Shellpoint Mortgage Servicing " services '' a portfolio loan of nine properties I am the managing member of. To date, there are unpaid property tax bills as well as property tax bills that were paid late. In addition, the interest fees incurred, due to their failure to pay the bills on time, were charged to my portfolio loan escrow account.

It is incredibly time consuming to have to double check all tax and insurance payments Shellpoint is responsible for making on my behalf. I had this exact thing happen last year with them. They are clearly not equipped to handle loan servicing for portfolio loans. 

I have attached a copy of the unpaid tax bills and the bills that were paid late. 

I did email them on XX/XX/2022 regarding this matter but I have received no evidence the unpaid taxes have been paid nor a credit being made to my escrow account.

The impetus should not be on me to make sure Newrez/Shellpoint does the job they are being paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently put 2 false items on my credit report. Every time I try to resolve I get booted off, they tell me my info doesn't match or they tell me the site is down. First they put on a XXXX account that does not belong to me. The owner is listed as undesignated but they still put it on my credit with no proof it belongs to me. This is not my account. Next they put in an account I had 17 years ago XXXX/XXXX XXXX that was closed all those years ago and my report says I reopened it with a lost/ stolen card report on XX/XX/2018. I did not report this, this is obviously an attempt to ruin my credit. Both of these bills have very little information and I was unable to buy a car after having almost 700 credit from all 3 reporting agencies. They also have me listed at an address last year in Illinois where I have never gone anywhere near. They gave a false report to XXXX XXXX that I had serious delinquency which was false. I have never been late on my 2 credit cards and have good credit with my bank card and business bank card. This is complete fraud that I've worked so hard for years to clean up my credit and it is being attacked. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not allowed me to unfreeze my account, which I also can not access. 
I call their line, when on the phone their system to verify does not work. 
They now require me to send in a copy of my Social Security XXXX, Driver License, and a cover letter by fax or mail to their XXXX in XXXX. 

I do not even remember making an account with them, and now have to pay to get into my account. 

There is no place to walk into to unfreeze, I have to pay for mail or fax. 
I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to investigate some inquiries that are not mine in my credit report, and in less than 24 hours I received the notification that my investigation was complete. I believe they violate my rights to report incorrectly on my credit. I request that they investigate, and send me evidence like the law says to keep these inquiries in my report, I want to see that they have my signature, photo identification, and social security card copy, that is the investigation that Equifax did not do, since they inquiries do not belong to me, and they left it in my report, the inquiries were made by the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This company did NOT give me any opt out disclosures as dictated by 15 U.S. Code 6801 through 15 U.S. Code 6805. In other words, Gramm-Leach-Bliley Act. Additionally, In their terms and conditions they stated that they CAN NOT and will NOT share my nonpublic financial information to nonaffiliated third parties, which they have. This is a breach of agreement and a violation of my right to financial privacy. Consumer reporting agencies such as XXXX, XXXX, and XXXX are NOT bureaus. The only one true bureau is the Consumer Financial Protection Bureau. I have attached the consumer reporting agencies XXXX or XXXX form from the SEC to prove that they are financial institutions. I, as a federally protected consumer, am now exercising my right to opt out of any and all authorization that, I, the consumer may have given you, a financial institution, written, non written, verbal, and non verbal to furnish my nonpublic information to all consumer reporting agencies.