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

This is my 9th 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 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, credit repair services, or other personal consumer reports

I continue to resubmit information regarding fraudulent accounts that don't belong to me.
Product: Debt collection

I am in a debt relief program, both chase and XXXX, are repeatedly calling me when they have been informed by the company " XXXX XXXX XXXX  '' through which I am settling my debt that I am in a debt relief program. I feel as though the repeated calls and emails are unnecessary and borderline abusive. So I'm short my problem is that CHASE and XXXX will not stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX Balance : {$500.00}, XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Product: Mortgage

Our home burned down in XX/XX/2018. The insurance funds went to our then mortgage company which paid them out as work was completed. We had to fire our old contractor and the new contractor has practically finished the house. Meanwhile, our loan was sold and transferred to Shellpoint mortgage. Shellpoint now holds over {$37000.00} which they will not release. They say they need several documents from the new builder which he submitted several times. The mortgage company claims to have never received the documents and keeps adding new requirements. ( Moving the goal post ). We have had two recent inspections of the progress of the build, with the chosen inspector of the mortgage company, ordered by the mortgage company. Two ... because the first apparently either wasn't ever filed or was lost. The mortgage company said they couldn't find it either way. It is like trying to get blood from a stone and their left hand never seems to know what the right is doing. Also, since we have been unable to access funds to finish, my wife and I have had to indebt ourselves with high interest lines of credit to get to where we are now. We have paid over {$70000.00} to the new builder from credit cards, personal lines of credit and cash. Our agreed upon amount with the new builder has been paid almost in full but there are extras we need to pay for to get occupancy in order to refinance our way out of this nightmare. Our cash savings have been depleted and we now owe over {$50000.00} to creditors. We are struggling to make those payments along with not only our primary mortgage payments but also {$1200.00} a month for the rental we are staying in until we are back in our home. All the while, our bank ( mortgage company ) clings to {$37000.00} of the funds our insurance company paid to fix our home. Of course, we paid all the premiums. Our home is valued at over {$400000.00} of which the mortgage company holds an interest of only just over {$160000.00}. The balance of equity is ours. Although the home is over 95 % complete, the mortgage company won't release the funds. As our new builder has been paid almost the entirety of the contractual agreement by my wife and myself, I want the remainder of the insurance money the mortgage company holds, released, along with interest they have earned by holding it since XX/XX/2018. When our home is complete, we can refinance it and pay off the high interest lines of credit. 
We need to get back in our home. We are very close to completion. The funds from the mortgage company will get us over the top. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX filing this complaint for false reporting misleading information
Product: Mortgage

We are refinancing our loan. The new lender, XXXX XXXX XXXX XXXX, requested a payoff statement on XX/XX/XXXX, but the current mortgage company, XXXX XXXX XXXX PHH Mortgage Services, has delayed responding. Our mortgage is in good standing and I do not understand why there should be any delay in getting this payoff statement. 
Its practically impossible to get to speak to someone in person and when we do it is never the same person. No one seems to be moving this simple, straightforward request forward. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with my file there are some addresses on my file that do not belong to me. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I need the following addresses deleted removed : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXXOH, XXXX, XXXX. XXXX XXXX XXXXOH, XXXX, XXXX XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX XXXXXXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX
Product: Student loan

I attended XXXX for 2 years. They had referred me to XXXX XXXX XXXX for my student loans. I am at {$28000.00} in debt since XX/XX/XXXX. I am in deferment until XX/XX/XXXX. Interest is accruing at $ 700+ a month. HOW THE XXXX CAN I EVER PAY THAT BACK!? I could go and get a XXXX degree for XXXX XXXX and XXXX XXXX for less than {$6000.00}. I was absolutely taken advantage of under their predatory loans.. What can I do about it now? Kiss my chances at ever being financed for a home or car goodbye the rest of my life?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX  XXXX  XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$60.00}
Product: Debt collection

I do not owe this company any debt. The service was cancelled due to unprofessionalism and destruction to my home by a XXXX XXXX contractor. I reached out to a representative about my concerns. They acknowledged and approved the cancellation of contract without any fees or charges due to their wrong doing. The company continued to charge me for service. 
XXXX {$530.00}
Product: Debt collection

I received a letter from Frost-Arnett to collect a debt to XXXX XXXX. A Check was sent to XXXX. The letter threated to hit my credit.
Product: Debt collection

I had a lease with XXXX XXXX XXXX and there is a dispute between the two of us about whether I owe them {$3600.00}. National Credit Systems has reported this disputed debt twice on my credit report ( to XXXX and XXXX ) so that it appears as though I owe {$7200.00} to XXXX XXXX XXXX National Credit Systems has confirmed when I call that they are not seeking to collect {$7200.00} from me, only {$3600.00}. However, they have continued since XX/XX/2012 to report XXXX accounts for {$3600.00} in an effort to pressure me to pay.
Product: Credit reporting or other personal consumer reports

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

I contacted the company to inform them I was XXXX XXXX XXXX XXXX and I was a XXXX. I also told them I was a victim of id theft, and that the entirety of my credit report including all inquiries and accounts were not mine. As a XXXX I should not have a credit report. I asked to have it all investigated and all information removed. I am now XXXX XXXX  of age as of writing this. The id theft occurred when I was XXXX years of age. I did not authorize anyone to add or create for me. The credit reporting agencies did nothing but delete a few things but everything should have been deleted. I provided all documentation such as ssn card, government issued id, ftc id theft report, and a local police report, I also wrote a letter addressing my concerns and what id like done to resolve this issue. but, again this company did not help. so now I write a complaint because at XXXX XXXX XXXX I should be building my credit. all the information is fraud and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I place a dispute with XXXX  and XXXX XXXX because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :
Product: Debt collection

I have disputed my debts several times with no resolution. i have submitted paperwork, affidavits and police reports. I need resolution on this as these accounts are fraud.
Product: Mortgage

Nationstar will not give payoff amt to Totle company to close on sale if my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has said several times that the debtor has 100 % free reign and absolutely no accountability to the credit bureaus. XXXX has said numerous times that no matter what the creditor has agreed to in writing, on phone, or what the paper trail says, that the creditor can say otherwise, and XXXX will never under any circumstances counter this false information or contradictions by creditors. In insurance and financial arrangements, the business is held to what they put in writing and agree to, but XXXX has even not made any efforts when Shellpoint previously falsely reported that I had a XXXX mortgage and agreed to fix the mistake. Clearly if XXXX makes money and is only in business to blindly agree with creditors then they should return the billions made and not be a business because being a do nothing lap dog for creditors is something well... a dog could do. See below and what should be fixed on credit report immediately. Brought to attention of XXXX and well see if what they have said and what I am reporting here is true to the extent that I say. 

Shellpoint Mortgage previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting 120-day lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. This needs to be resolved immediately as this unprofessional sloppiness and the months it took for Shell Point to fix the previous XXXX XXXX mortgage balance that never existed, and previous false lates created lots of damage. These 2 false 120-day lates on 2 mortgages that were approved for loan modifications and more, caused considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other Shellpoint mortgage customers for a class action lawsuit and complaints to banking commissioner.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Equifax and Credit Reporting Violations To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of federal law by Equifax in relation to my credit report. Below, I provide detailed information about these issues and request your assistance in resolving them.

Summary of Events 1. Review of Credit Report : Earlier this year, I reviewed my credit report and identified incomplete and inaccurate information.

2. Request for Investigation : On XX/XX/scrub>XXXX XXXX XXXX I sent a letter to Equifax requesting an investigation into the completeness and accuracy of the report. 
3. One XX/XX/XXXX, I sent off a letter to Equifax disputing its XXXX XXXX Compliance. This letter included clear evidence of the inaccurate information as well. 
4. Unresolved Inaccuracies : The results of Equifaxs investigation failed to resolve the inaccuracies, which constitutes a violation of their legal obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of Federal Law Equifaxs actions ( or lack thereof ) have resulted in the following violations of the FCRA : 1. Failure to Assure Accuracy ( 15 U.S.C. 1681e ( b ) ) : * Equifax did not follow reasonable procedures to assure maximum possible accuracy of the information on my credit report.

2. Failure to Provide a Description of Reinvestigation Procedures ( 15 U.S.C. 1681i ( 7 ) ) : * After requesting a description of their reinvestigation procedures, Equifax failed to provide the required information within 15 days of my request.

3. Failure to Address Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : * Equifax did not promptly delete or modify items of information found to be inaccurate, incomplete, or unverifiable, nor did they notify the furnishers of the information as required by law.

4. Violations by Furnishers of Information ( 15 U.S.C. 1681s-2 ) : * Equifax has allowed furnishers, such as 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, to report inaccurate information. Specifically : * 15 U.S.C. 1681s-2 ( 1 ) ( A ) : These furnishers reported information with actual knowledge of errors.

* 15 U.S.C. 1681s-2 ( 1 ) ( B ) : These furnishers continued reporting inaccurate information after being notified by me and failing to confirm its accuracy.

Impact of Equifaxs Non-Compliance Equifaxs failures have caused significant distress and have hindered my ability to maintain an accurate credit profile. Their lack of adherence to federal law suggests systemic issues that could affect many other consumers. 


I have attached relevant documentation, including my correspondence with Equifax and supporting evidence of these violations, for your review. Please let me know if additional information is required. 



Thank you for your time and attention to this matter. I trust the CFPB will act to ensure Equifaxs compliance with federal regulations and protect consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Office of The Atty Gen Act # XXXX, has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also States A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX Texas XXXX ] [ XX/XX/year> ] Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute inaccurate and incomplete information that remains on my credit report, despite my previous efforts to resolve this matter. I am deeply concerned about Experians ongoing failure to address my dispute adequately, which reflects the issues highlighted in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( Case XXXX ). 

The CFPBs recent legal action alleges that XXXX has failed to : 1. Conduct reasonable reinvestigations of consumer disputes, 2. Convey all relevant consumer-provided information to data furnishers, 3. Provide clear and accurate outcomes of dispute resolutions, and 4. Utilize adequate procedures to ensure the maximum possible accuracy of consumer reports.

These deficiencies are directly relevant to my case. Specifically : Account/Tradeline in Question : [ FAIR COLLECTIONS AND OUTSOURCING ] Nature of Dispute : This account was disputed due to inaccurate see homes is being sued for an accuracy of balances owed to their properties creating false accounts. ] Supporting Documents Attached : [ invitation, home lawsuit and dispute. ] XXXX failure to address these issues has harmed me by [ I am not able to find a home due to the inaccuracy of this collection account. ]. I request a reasonable reinvestigation into this matter as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

In compliance with your obligations under the FCRA, I ask that you : 1. Forward all relevant information, including my supporting documents, to the furnisher of the disputed information.

2. Ensure a complete and accurate reinvestigation of the dispute.

3. Remove the inaccurate information if it can not be verified or is determined to be inaccurate.

4. Provide a written statement of the results of your reinvestigation, including details of any changes made to my credit report. 

I trust that XXXX will take this matter seriously and comply with the requirements of the FCRA and the CFPBs regulations. Please complete your reinvestigation within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ your phone number ] or [ your email address ]. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting

I attached my latest report from XXXX XXXX, I tried to directly log into Transunion but, it says it does n't have my information available the last few times. 
I have XXXX account with XXXX XXXX XXXX, see attached. 
1- it reflects it is on a " payment plan '' it 's not it was paid in full through the court. 
2- it is not closed derogatory, it 's reflecting that because TU is in violation of the law. You ca n't report erroneous payment information and balances after the Chapter XXXX is filed, everyone is aware of the case. The judge suggested the bureaus just delete the creditor, simple as that : In re : Chapter XXXX XXXX XXXX XXXX, Case No. XXXX " Given all the facts and circumstances, including the Credit Union 's apparent good faith belief that it was properly reporting this debt, the remedy is for the Credit Union to cause the CRAs to remove the disputed information ''
Product: Mortgage

My wife and I started a refinance loan on XXXX with Pentagon Federal Credit Union. It has been a nightmare, from them not understanding basic appraisal sheets to non communicating. They ( PenFed ) hold the original loan on our second home. Due to the fall in interest rates we wanted to refinance to a 20 year loan at the lower rate. We were promised verbally it would be quick and easy. 5 months later we are being ignored, when we call to speak to our representative we are told he is in a meeting and will return our call. Guess what, no calls. I have so far taken two days off from work so we could sign docs. Those days never happened! So Im out two days of vacation leave at work. Plus an {$800.00} reappraisal on our property. Weve talked to other lenders and were told it sounds like they just want us to go away due to they would lose money refinancing at a lower and shorter pay off date.