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

report used without my written authorization, and which harms my credit life.

expirian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Equifax

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


TRANS UNION

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

CFPB, Within a couple of weeks of me mailing out dispute letters, it is very common for us consumers to receive back correspondence from the credit bureaus relating to my disputes. 
In many cases this correspondence isnt the results of my disputes, but other letters mailed to me by Equifax Credit bureau that reference things like requesting client identification or to alert me that some type of possible fraud is occurring due to my disputes. 
These letters are commonly called stall tactics in the credit dispute industry because, they are only intended to frustrate and confuse me and stall the dispute process. CFPB, I received a total of 10 stall letters
Product: Credit reporting, credit repair services, or other personal consumer reports

With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX.XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX, i was reviewing a copy of my credit report and i seen some account that were opened in XX/XX/2021 and XX/XX/2021. I did not open these accounts and i would like to get them removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute information directly with Wells Fargo Home Mortgage, XXXX XXXX, XXXX, and XXXX. Each time the information is updated as correct even though information / documentation supports my request and dispute. 

In XX/XX/2020 I was nervous with onset of Pandemic, my company was reducing pay, auto allowances, etc. The Cares Act was put into place to over COVID Forbearance. I was advised this would not have a negative reporting aspect on personal credit reports. This is incorrect. 

I paid my XX/XX/2020 pmt. and requested COVID forbearance out of fear of pandemic, not inability to pay. Immediately my credit score dropped nearly XXXX points. Once I noticed this in XXXX, I called Wells Fargo and requested to be removed from Forbearance. I was advised that since I had a VA loan, I had to make XXXX on time payments before my loan could be reinstated. Aug 2020-Dec 2020 I made payments on my mortgage that are not being reflected on my personal credit report. My report stated not reporting ; furthermore, my balances are not reflected correctly. All bureaus are reporting a different balance than the actual balance depicted on my report. 

I reached out to Wells Fargo requested a payoff, that balance is not the balance reported. There was a discrepancy with my Escrow account, I requested an update, that balance is not what is reflected. My credit report states natural disaster / earthquake. As I stated there was not supposed to be negative information depicted on these reports. Not reporting accurate balances, payments, stipulating natural disaster, etc., are all items an underwriter will assess as negative. 

Companies need to remove and accurately report. I was not advised correctly and that was not anyones fault, we were in uncharted waters. My complaint is once I noticed I reinstated my payments, and they are not reflecting on my credit reports. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I XXXX XXXX XXXX, HAVE NOT RUN MY CREDIT REPORT SINCE LAST 8 YEARS, NOW THAT I AM TRYING TO REFINANCE MY HOUSE THAT WAS ONLY ON MY HUSBAND 'S NAME AND NOW IS ON BOTH NAMES AND REFINANCING, ALL BUNCH OF COLLECTION COMPANIES ARE SENDING ME BUNCH OF LETTERS TRYING TO COLLECT DEBTS THAT I DO N'T REMEMBER TO HAVE BEFORE
Product: Credit reporting, credit repair services, or other personal consumer reports

Profilo recovery XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres address listed I never lived there and also incorrect addressTHE ONLY ADDRESS SHOULD BE ON MY CREDIT FILE IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Mortgage

In XXXX I refinanced two mortgages with my credit union, Schools First Credit Union. At the end of the refinance process I only received closing documents for the one of the home but no the second home. When I inquired about the missing documents I was told to wait because of course the County of XXXX XXXX was backed logged. I wanted a complete year. I notice that only the taxes on my primary home was paid in XXXX of XXXX, so I inquired about the second home not being paid. They ignored my concerns so I paid the complete bill myself. It is only then that they tried to come behind and pay the same bill ; however, my payment cleared first. The credit union has yet to give me back the refund the county sent back to them in XX/XX/XXXX. I then went into the back on XX/XX/XXXX and spoke to the same Manager, XXXX XXXX, whom helped me earlier in XX/XX/XXXX. She informed my that they would put the money into my checking account in 5 days. Instead the institution took an other withdrawal from my escrow account and sent it to the County. Schools First was given proof that XX/XX/XXXX and XX/XX/XXXX taxes had been paid in full by in XX/XX/XXXX by me. 

Their mishandling of paperwork and my funding has caused emotional and financial hardship. It is giving me XXXX  and I can not catch a break with my bills and spending because they have not refunded me the money. It seems that their institution is penalizing because I inquired about the missing documents at the end of the refinance. They have been dismissive and seemingly punitive toward me and my accounts ever since. I feel harassed and financially victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect data they wont remove. Attached is last letter I sent.
Product: Credit card

I hope all is well. 

I booked a hotel reservation through American Express Travel. The representative clearly stated over email ( I have the supporting documentation ) that my reservation could be cancelled without charge anytime prior to 7 days before my arrival. 

Due to an unplanned work commitment, I have to cancel the vacation. However, AMEX is charging me the full amount and refusing to refund for the hotel stay - despite the fact that I cancelled well before the allowable date as stipulated in my original, written correspondence with AMEX I appreciate anything you can do to help. This is an unfair violation of my rights as a consumer by a large corporation.
Product: Student loan

On XX/XX/23, I began receiving auto-dial calls from Navient. I had been submitting payments monthly to Navient and there was no reason for them to begin reaching out. On XX/XX/23, they began auto dialing me 3 times per day. On XX/XX/23, I spoke with them and they informed me that beginning on XX/XX/23, they started applying my full payment to 3 out of 4 loans only, causing one loan to fall behind in payments, while 3 loans to be ahead. I asked them to retroactively apply the payment correctly to cover all the loans and they said too much time has lapsed for them to apply the payment correctly, and I would need to pay them more money. They harassed me during this period calling 2 times on XX/XX/23, 3 times on XX/XX/23, I spoke with them on XX/XX/23 and when they called again on XX/XX/23, I asked them again to apply my full on-time payment to all four loans, she stated she would look into it and that she removed me from the auto dialer. Yesterday, XX/XX/23, the autodialer calls started again. One at XXXX, another at XXXX, and XXXX. I send a check for the same amount every month on the 5th of the month. I did not ask Navient to change how they disburse my payment, but it started happening on XX/XX/23 for some reason that Navient has not disclosed to me. This caused a negative payment status for me even though Ive been making my payments the same as I always have. Furthermore, they did not seem interested in fixing their mistake, instead using manipulative tactics ( for example calling me 3 times per day and putting me on hold as soon as I answer ) to get me to pay extra than the agreed upon amount. Even after I expressed to them multiple times that I wanted them to fix their mistake and apply my payments in XXXX, XXXX, and XXXX correctly to all four loans, they vaguely say its not possible. Then after telling me they removed me from the autodialer, they calls began one week later.
Product: Debt collection

The debt collectors are from Aldous & Associates, and they're contacting me about a membership that my girlfriend and I once held. I had canceled our memberships, but due to a misunderstanding at the front desk, only mine was processed. As a result, her account incurred late payments, which eventually led to it being turned over to collections. Since then, Aldous & Associates have been contacting me nonstop to settle the outstanding debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Transunion to reinvestigate the bankruptcy they are reporting .However, they stated everything was verified and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information. I have also attached the letter from transunion stating they verified the bankruptcy with the court ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), AND According to the Electronic Communications and Transactions Act ( ECTA ) 25 of 2002, Chapter VII, Section 42, consumers have the right to accurate and reliable systems when transacting online. The failure of your system to INCORRECTLY ADD INFORMATION THAT IS NOT ACCURATE has caused ME grief and uneceesary stress. 

According to the Consumer Protection Act 68 of 2008, Section 54, consumers are entitled to receive services of a high quality. You receiving my information and not placing it correctly in your system you have violated my rights as aconsumer Verification of Legal Standing : Proof of Accurate Reporting : Under FCRA, 15 U.S.C. 1681e ( b ), you are required to ensure that the information you report to credit reporting agencies is accurate and complete. Provide a detailed explanation of how you verified this debt before reporting it, including a record of any communications with the original creditor. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX Balanced : {$87.00} XXXX XXXX XXXXXXXX Balanced : {$140.00} XXXX XXXX XXXX Balanced {$77.00} XXXX XXXX XXXX Balanced {$99.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I checked my credit report and XXXX XXXX XXXX XXXX has reported that my account with them is delinquent. They are also reporting that I owe a balance that is over {$9000.00} when the balance owed is XXXX. I have paid XXXX on the XXXX  debt. I have attached a list of the payment receipts to this complaint. 

In XX/XX/XXXX, I filed a complaint that XXXX XXXX XXXX XXXX never responded to. In addition to the inaccurate account information being reported by XXXX XXXX XXXX XXXX to the credit bureaus, my credit score dropped XXXX  points. Please see attached all payments made since XXXX at the branch that have not been applied to my account. As of today, I have not received a statement from XXXX XXXX XXXX XXXX that lists the payments they have received from me or the remaining balance. 

How can XXXX XXXX XXXX XXXX knowingly report inaccurate information against me to the credit bureaus when I have proof that the information they are reporting is false and is severely damaging my credit report and score?
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 ) ( 1 ) ( 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 Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$200.00}.
Product: Mortgage

I requested a loan modification from green tree servicing and after months of submitting and resubmitting paper work they keep had already been sent, they finally agreed to a modification. They modified the loan to 40yrs and they said they would move part of the balance to the back of the loan. Well recently when I requested a credit report a saw that they structured the loan so that at the end I have a XXXX plus balloon payment that will be due. THAT WAS NEVER explain to me. This was the first a known that this loan was set up that way. They lied doing the whole process and now I see that they were deceptive as well. Your agency recently found them guilty of similar conduct. I want to know what I can do at this point to get this changed and whelther I need to seek legal help at this point to handle this matter. Thanks in advance for your help.
Product: Credit reporting or other personal consumer reports

The financial obligations to this XXXX XXXXXXXX, account XXXX was affected as a result of an declared disaster. 
As to date the account have been paid on time and all payments should be marked as Paid As Agreed especially since the declared disaster was not as a result of my own doing. The dates are of XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Many people accounts was affected as a result of Covid and I do not feel that it is at all fair that I would have to wait until XXXX of XXXX to have these late payment removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my XXXX credit report ; which indicated that my current and good standing auto loan with Helm Associates had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX XXXX XXXX to a XXXX XXXX XXXX. This information is inaccurate ; as I still have an auto loan through Helm Associates. My auto loan with Helm Associates is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other Saturday ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday. 

On XX/XX/2022, I contacted Helm Associates and spoke to XXXX at about XXXXXXXX XXXX inquiring about the change to my XXXX credit report ; as I did not receive a phone call or correspondence by mail or email from Helm Associates alerting me of this issue. During my phone call with XXXX, XXXX informed me that Helm Associates is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with Helm Associates. XXXX also stated, XXXX XXXX, the controller for Helm Associates, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least seven phone calls to Helm Associates and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXXXXXX XXXX requesting assistance with this issue but this is still unresolved. 

As of today, XX/XX/2022, a month later, my XXXX credit report has not been updated indicating that I currently have an auto loan with Helm that is current and in good standing ; as this information is still missing from my XXXX credit report. While this information has been removed from my XXXX credit report, my credit score with XXXX and XXXX has too been affected by decreasing at least XXXX points. 

Phone call dates : XX/XX/2022 at XXXX XXXX Spoke to XXXX XX/XX/2022 at XXXX XXXX - Spoke to XXXX, placed on hold, was on hold for 22 minutes XX/XX/2022 at XXXXXXXX XXXX XXXX No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX XXXX No Answer XX/XX/2022 at XXXXXXXX XXXX - No Answer XX/XX/2022 at XXXXXXXX XXXX - No Answer
Product: Credit reporting or other personal consumer reports

Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXXXX/XX/XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXOhio XXXX Subject : Experian Failing to Conduct Proper Investigations and Verifications Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate in my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to verify the disputed accounts.

2. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy.

3. My disputes have been dismissed without proper reinvestigation, as required by law.

I request that the Consumer Financial Protection Bureau intervene to ensure that Experian adheres to its legal obligations under the FCRA.

I demand the following actions : A proper investigation of all disputed accounts.

Written documentation of the verification method : used. Immediate correction or deletion of any unverifiable inaccurate information. Experian 's neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress.

Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Product: Debt collection

Credit Bureau Systems is reporting several accounts to my credit reports that are results of identity theft. I have contacted the company several times since XXXX when this started with police and court paperwork that clearly state these are not my accounts and they were opened fraudulently by someone else. That person even admitted to the opening of the accounts in XXXX and was ordered by the Judge to pay all of them, yet CBS has ignored all legal paperwork sent to them and still reported accounts they know are fraudulent for over the past 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX/XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.