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

I have contacted XXXX many times asking them to remove inaccurate reporting from my credit report, but they never deleted wrong information they unlawfully included on my account, all my debts prior to XX/XX/2022 have been discharged BY ORDER OF THE HONORABLE Judge XXXX XXXX XXXX chief judge of the bankruptcy court for the XXXX  New York, I sent them a copy of the judge 's order but the credit bureaus continues to report harmful and wrong information about late payments even though all the debts have been discharged in XXXX XXXX filing. again I ask them to immediately remove all late payments or negative credit reporting on my account Thank you
Product: Credit reporting or other personal consumer reports

Someone keeps changing my recovery login information in my Experian credit profile. Each time I call and enter my social security number to verify my identity, I get sent to an unanswered loop. I have to block my number out and not enter my social security number in order to get a live person. When I dial the number from my last credit report, I am told that the information has been corrected. Then I get an email from an old email address telling me to log in with my. name misspelled. When I go to reset the password, it is sending a code to an email address at XXXX. The first representative said that it was an experian email address that was added. The phone number recovery was changed to XXXX XXXX XXXX XXXX. Neither one of these is my contact information. I only have 2 email addresses that I would have used. My first name last name at gmail, then the one listed on this report. Then when I called to complain about it to member services, I get left on hold then someone picks up the phone and hangs it up, or I am asked questions that don't apply to me to prevent me from correcting the information. I asked for a supervisor the first time and was told that they didnt have supervisors, and then I hang up and call back to ask for a supervisor and I get transferred back to dispute department. My identity was stolen in XXXX of XXXX  and my credit took a hit due to the fact that I was locked out of all of my online accounts for over a year and a half. Now when I call experian, I get transferred, then they either hang up on me or they send me to some foreign call center, or some foreign person with dogs barking in the background, asking for my social security number and all of my identifying information, just to tell me they can't help me and send me back into the queue. Note, I have to KEEP giving them information when my identity was already stolen and utilized. Meanwhile I am getting these emails to an old email address, with my name misspelled, asking me to log in to my experian account with information that isn't valid. I have complied with all of the requirements to verify my identity, but no resolve. I will be filing a civil suit against experian and requesting a subpoena for records. I want this fixed NOW, and I want to know who is responsible for changing my information to an experian email address for the verification code. I also want a history of who accessed my personal information to log in and change it.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX My adress is XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau : XXXX XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX RE : Last 4 of SSN : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( XX/XX/XXXXXXXX  ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made + by the following companies : Inquiries : 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  ) 1 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 18 I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's 164 office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for willfulw non-compliance.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX a payment was reported 30 days late on my report. Apparently the payment was due on XXXX XXXX XXXX and was on auto pay which pulled on XXXX XXXX and apparently returned for whatever reason on XX/XX/XXXX. I was never notified that the payment was returned nor was i given the option to make a payment. By XX/XX/XXXX the next payment was due and likewise was taken out of the account because it was on auto pay as well. The XX/XX/2022 reporting of a 30 day late payment is totally inaccurate. From XXXX XXXX XX/XX/XXXX is NOT 30 days, its in-fact 28 days. This means this company was allowed to falsely report on my credit report and has been falsely reporting on my credit report for the past 8 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my final attempt to dispute the inaccurate information that Equifax has reinserted into my credit report after it was previously deemed unverifiable and removed. Despite multiple dispute requests, Equifax has failed to conduct a proper investigation, violating its legal obligations under the Fair Credit Reporting Act. Under 15 U.S.C. XXXXi ( a ) ( XXXX ), credit reporting agencies must conduct a reasonable investigation within XXXX days of a dispute. However, Equifax has failed to provide any reasonable protocol or supporting documentation regarding how these accounts were verified, violating 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( XXXX ). Additionally, I have attached a letter from Equifax dated XX/XX/2024, confirming that the disputed Bank XXXX XXXX accounts ( Account # XXXX and XXXX ) were deleted. If these accounts were deemed unverifiable and removed, why has Equifax now reinserted them? This reinsertion, done without proper certification or required notice, violates 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ), which mandates that any reinserted information must be certified as accurate and that the consumer must be notified within XXXX business days. I was never provided such notification, further demonstrating non-compliance. The Consumer Financial Protection Bureau has an ongoing lawsuit against Equifax for similar violations, highlighting the severity of these issues across credit reporting agencies. I am requesting CFPBs assistance in addressing Equifaxs repeated violations and lack of compliance with federal law. Due to the harm caused by Equifaxs negligence, I will be seeking punitive damages for their continued non-compliance.
Product: Debt collection

Debt collector called me and I asked that all calls stop and any correspondence be via mail. The agent told me we will keep calling you and hung up on me. I called back and spoke to a different agent to express what transpired during the first phone call and she was just as rude and told me my number has been blocked. I asked if her company was a collection agency she said *no '' and since I didnt ID myself she is going to end the call and hung up on me. I called a third time and asked for a mgr, female ID herself as a mgr. I explained both previous calls and I told her I had requested a XXXX months prior, the mgr told me since I didn't respond to the letter they sent me this is why they are calling me.
Product: Credit reporting or other personal consumer reports

Just to give some base information : Our home Mortgage is through XXXX XXXX which is a brand name for XXXX XXXX XXXX. XXXX is who are bills are addressed from which is subserviced by XXXX. For several months we have had issues with the payments being applied incorrectly to the account. The issue continues to happen even as recently as XX/XX/2024. Our credit report pulled today shows issues with XXXX and XXXX payment. I called and spoke with XXXX at XXXX XXXX sharing our confusion and concern. I explained we have set up auto pay and our bank is showing the money was sent. She also confirmed she showed our payments current and the XXXX was received on XX/XX/2024. I will also attach a statement showing XXXX payment on XX/XX/2024 and the movement of funds at XXXX. It also shows the removal of a late fee due to the payment being applied to the account incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  disputed Santander wi th  XXXX  several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX    continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I b elieve Santander  is trying to re age the debt.
Product: Credit card

barclay card, i had a charge on it that i told them i was disputing. i sent them all kinds of documents that showed i did not sign for the charge of {$2600.00}. because this charge brought me over the credit limit, i was paying {$200.00} a MONTH on INTEREST ONLY. i did this for over a year, finally while i kept telling them i did not sign for it, they would not straighten it out. i had perfect credit before i just could not pay this amount any more and told the credit bureau to close the account and put a memo on there that there was a charge i did not approve. but my credit has gone down to XXXX because of it. this has been a nightmare and no results. honestly, i do not feel this company is going to do anything either. but i am trying
Product: Credit card or prepaid card

Back in XXXX while XXXX to XXXX XXXX I requested Ohio SCRA benefits from Navy Federal Credit Union. It was not awarded to me because I was told that SCRA benefits only applied to debt which incurred prior to military service. I retired XX/XX/XXXX and while attempting to get my affairs in order I revisited this Ohio SCRA benefit only to realize that it in fact covered all debt. XX/XX/XXXX I requested this benefit for the second time and I never received a notice saying that I was ineligible. However I noticed that my ability to do any transactions online was taken away. XX/XX/XXXX I contacted Navy Federal to obtain the status of the request and I was told that I was no longer eligible for SCRA benefits because I retired in XX/XX/XXXX. My complaint was that when I originally requested these benefits I was not retired. Navy Federal states they value the military service members and are here to help. However when I requested that they honor my original request I was denied. Navy Federal does not care about us and I feel their name was a ploy to attract service members. I served my Country for 20 years and have been a member of Navy Federal since XXXX. It's already bad enough that I was denied Ohio SCRA benefit that I earned back in XXXX, but after 19 years of doing business with them when I asked for the money back that I was overcharged they shut the door in my face. I was told that after reviewing their archives they saw fraud alerts but did not see the original Ohio SCRA request. I am appalled as to how I was treated.
Product: Credit card or prepaid card

My name is XXXX XXXX and I work for XXXX XXXX in XXXX Tx. 

We sold XXXX XXXX, order XXXX, 40 virginia chairs and when he purchased he signed a form stating that if the furniture was damaged after it left our warehouse he would take it up with the freight company. ( we even purchased insurance for him ) .That form also specifically stated that he would not charge back his purchase under any circumstances. 

He received the furniture. He did not report to us that it was damaged, though he did mark it on the bol. He instigated a chargeback with chase bank credit card division. Chase bank sided with him. The customer did not tell chase that he was actively using the furniture and that he had not returned it. 

Attached you will find pictures from the customers website showing his customers actively using our furniture that was not returned and that was damaged beyond repair and that he said he returned to us. 

This gentleman got his 40 chairs, and he got his XXXX $ and he made a fool of both chase bank and myself. 

I filed a claim with chase bank because I have photographic evidence of his maintaining, using and profiting from the use of our chairs. He has worked the system and has stolen from my company and used chase bank as his weapon.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations : XXXX XXXX XXXX  XXXX dept of ed XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a  consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Product: Credit reporting or other personal consumer reports

I've called in several times since XX/XX/2024 with issues revolving my Equifax Credit Report. I have been unable to obtain my own credit report and every time I call customer service I'm instructed to verify my identity with a license and selfie scan. Then the customer service representative tells me that they are unsure why I am unable to see my report because they can see it just fine. I was told last week they were escalating the issue upward and I would be receiving an email with updates within 48 hours. I have yet to receive anything and I am in the middle of mortgage shopping. Why am I unable to log in and see a credit report? Why are mortgage companies attempting to pull my credit with no luck if I clearly have a credit report that is unfrozen?!
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX & XXXX I received a copy of my credit report and I have found the following items listed with XXXX to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
I demand under FCRA : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I also requested a 1099 c nothing was provided.

15 USC 1681 E ( B ) STATES I HAVE THE RIGHT TO MAXIMUM POSSIBLE ACCURACY.

( CHARGE OFFS IS CONSIDERED INCOME.INCOME BY LAW IS NOT TO BE FURNISHED TO A CONSUMERS CREDIT REPORT AS INCOME THIS IS INACCURATE. ) in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 6802 ( B ) ( c ) A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY UNLESS THE CONSUMER IS GIVEN AN EXPLANATION OF HOW THE CONSUMER CAN EXERCISE THAT NON DISCLOSURE OPTION.
Product: Credit card or prepaid card

A credit card was opened in my name from XXXX XXXX through Comenity Banking. I sat through a timeshare program through XXXX XXXX XXXX. shortly after returning home from XXXX XXXX, I received a letter in the mail stating that my account is ready to be viewed. However, I never opened a credit card through comenity. I have yet to " set up my account '' online, as i am afraid that it will then start collecting interest on something that I didn't do/want.
Product: Mortgage

Our mortgage is held by Shellpoint Mortgage. Because of Covid 19, my work has been shut down since XX/XX/XXXX. I am furloughed until at least spring or summer of 2021. I have been able to collect unemployment and have found some XXXX  work, in the meantime. The mortgage is only in my name. My wife is not listed as a co-borrower. She is self-employed and mostly works part-time. Her work was also greatly impacted due to the pandemic. She is the person who handles the finances and the communication with the mortgage company. We applied for a forbearance at the end of XXXX. Communication with Shellpoint for the following few months was very sparse. We were told near the end of XXXX that it was approved for 30 days and that they would call us on the following XXXX  at XXXX to discuss the next 30 days, because they only approve 30 days at a time. They never called. They did eventually email to say they would call at another specific day/time. They did not. A stop payment was placed on our account and we believed that meant we were approved for more time. In late XXXX XXXX they called to ask for a payment in full. We have been trying to work out a solution ever since. In XXXX, we did send them {$120000.00} to cover three months of payments and requested that the outstanding months be deferred to the back end of our loan. We've submitted multiple hardship letters, months of bank statements, explanations of deposits, explanations of our work search, lists of our monthly expenses, etc. They continue to refuse to approve a deferment and claim we have the money to pay in full. We don't. They have made decisions based on old information. We were advised to request again. We did. They continue to deny a deferment. We have requested this three times now. The last time was at the beginning of XXXX. This time we were denied because of a missing bank statement. Our bank changed our savings account statement cycle to be quarterly ( we have no idea why and they couldn't explain that either ) so there was no XXXX statement generated. We submitted a screenshot of that account activity, but Shellpoint would not accept it. Our bank did eventually mail us a statement, but it took over a week and Shellpoint denied our request before we received. it. We've continued to explain that a 12 month repayment plan would create an even greater hardship, because our income is not stable as a result of the pandemic. We do want to resume payments. We've expressed this since XXXX when we sent the check for $ XXXX. They still have a stop payment on our account through all of this and will not allow us to make monthly payments, but they continue to add late fees every month. We went ahead and mailed a payment for XXXX and they returned it because it wasn't enough. They said they will only accept a minimum of two months. What!?!? This has been incredibly frustrating and humiliating.
Product: Credit reporting or other personal consumer reports

Company claims I owe {$660.00} when on time payments have been made and not updated r