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

After speaking with numerous customer service representatives in the dispute department at Experian, my home address still is inaccurate online. However, each time a report is mailed to me it shows an accurate home address. Since XX/XX/2023, my full home address and full name has been changed or updated incorrectly. When a third-part credit reporting entity does a soft pull or runs my credit report, my information pops-up partially, outdated, or totally incorrectly. This has caused adverse decisions when applying for loans and other monetary things that require personal identification verification from Experian and XXXX. For example, I was denied a credit card from XXXXXXXX XXXX, because they could not verify who I am with the personal information on my consumer credit report from Experian and XXXX as well. Currently online, my apartment number XXXX is missing in the personal information section on my Experian consumer credit report. A copy of my driver 's license and social security card was sent to verify my full home address with the apartment number, and the spelling of my middle name in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Experian, XXXX and XXXX reported and unauthorized inquiry on my credit report, ( XXXX XXXX ). 

According to : 15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. witch they did not do.
Product: Debt collection

On XX/XX/22 a lady in plane cloths intruded into my living space in the guise of delivering a package. Having entered through the back gate that was closed without making any sound at the gate, she proceeded directly to the back door through the breezeway of the main house and started thumping on the door. And when I came out from my living area located on the opposite side in the annex, across from the breezeway, she mentioned she has a delivery for me that was in a box that resembled an online order delivery box. Then, she pulled out a sheets of paper stapled together and said that I have been served. I was having my breakfast and was really scared who this intruder inside the breezeway area is. This is to collect a debt of XXXX through Synchrony Bank. I'm assuming this person was working on behalf of Synchrony Bank or a service they had hired. The document said something about being from the XXXX XXXX. which there is a XXXX post nearby. So, I called the XXXX XXXX to find out if this person was legit or some intruder since the XXXX XXXX asked if she was a uniformed officer. Person was not. The lady was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm really scared for my life because I'm not from here and I have heard some Banks send hit men to your place of living to get whatever they can. Please please help. Now that they know where I'm, will they send a squad to harass, torture and intimidate me in the further in to my sleeping area? I'm very scared Please help. Thank you. XXXX.
Product: Mortgage

I received notice in XX/XX/XXXX for loan # XXXX that sometime in XXXX they would be doing my XXXX XXXX. I had a payment scheduled for XXXX and marked Custom on the payment and made notes on the account that the amount was to be applied to XXXX. I paid a total of {$1100.00} of which the amount due on XXXX is {$1000.00}. I made notes on the account to please include the XXXX in there XX/XX/XXXX XXXX XXXX. 

I did advise I was paying the balance on XX/XX/XXXX which should bring my Mortgage payments up to date before the end of the XXXX. However, Rocket Mortgage XXXXXXXX XXXX  did the analysis on XX/XX/XXXX and failed to include the amount I had paid towards " XXXX '' as a result they say I have a shortage. I have contacted them XXXX XXXX to tell them they did the analysis prior to the full payment of the XXXX  which I did pay post to the account. They based their analysis on the funds that were there and refuse to take into consideration the amount that cleared. Their refusal to consider the amount that I said was to be applied to XXXX, they are now asking for an ADDITIONAL {$1100.00}. XXXX of the reps I spoke to said that I was ok that it would balance out automatically, that there was only a shortage of {$7.00} due to a small increase in taxes. I paid the {$7.00}. Then, The mortgage company took the monies I had paid part of my XXXX Mortgage payment whose portion is XXXX and added it back showing that I owed {$2400.00} or something to that effect. 

I have called them XXXX XXXX to tell them that I was NOT going to pay an additional {$1100.00} because they have the monies pending in the account when they did their XXXX XXXX, and they did not include the partial payment I had made because it did not reflect on my account until XX/XX/XXXX. I have contacted them XXXX XXXXs about this error/issue and they refuse to adjust the Escrow and are asking for an additional XXXX by XX/XX/XXXX which already was applied to the account on the XXXX XXXX which had not cleared & post to XXXX when they did their " so called '' analysis. They are trying to rob me of my monies and force me to pay more on my mortgage when they alredy have the money. My insurance is not due until XX/XX/XXXX. 

I am the sole provider for my household and everything has gone up and I am doing XXXX to keep up with my payments so that they are paid in full before the end of the XXXX They should have better listening skills and correct my account & include the monies I already paid and they failed to include on their analysis due to a timing issue. 

This is a big deal because my mortgage should go down by {$100.00} and it is all due to Rocket Mortgage failure to help me.I can not dish out almost XXXX for a mistake or failure to verify or adjust accordingly.
Product: Checking or savings account

On XX/XX/XXXX I wired {$3000.00} from XXXX  XXXX to bank of America. The wire was immediately returned due to an invalid account number. Here is the thing. They sent back only {$2900.00}. I am very upset. What gives them the right to do so. I entered under no agreement with them. Signed no contract yet it was reversed immediately probably electronically. And this justifies them to take my hard earned money. 

The fee, IMO, is arbitrary and not something I ever agreed to. To take their line of action to an extreme, what would stop them from keeping half of it, or all of it? I don't see what legal basis they have for keeping any of it. 

The fee is unreasonable considering they performed no service. Maybe, if they held the money and asked for account number clarification, given that they had the payee 's name, and could have seen the account number was off by one digit, I would have felt it more reasonable that they did diligence or provided some value. But {$45.00} just to reject it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender. 
This complaint is frankly for the sexism I 've experienced from credit score companies.
Product: Credit reporting

XXXX is reported incorrectly and does not state " medical '' on credit report. They are breaking the FCRA act and did not indicate this as a medical account. I am asking that this improper reporting be deleted completely from my credit report. In the " Consumer credit reports : A study of medical and non-medical collections '' dated XXXX 2014 it states ... ... 

" As previously noted, research performed by the CFPB demonstrated that credit scoring models that treat medical collections in the same way as other collections trade lines penalize consumers with medical debt collections by underestimating their creditworthiness with lower scores.XXXX The study found that consumers with medical debt were more likely to pay their future loan obligations on par with consumers scoring at least XXXX points higher. '' The credit was reported incorrectly and needs to be removed from the credit reports completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT/EDXXXX Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX Account XXXX : XXXX XXXX. Account Name : US DEPT OF ED/XXXX. Account # : XXXX XXXX. Account Name : US DEPT OF ED/GSL/ATL. Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX These accounts have violated my rights as follows : - 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

- 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 

- 15 U.S.C 1681 c. Section ( a ) ( 5 ) States that no consumer reposting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681-2 ( A ) ( 1 ) States that 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, credit repair services, or other personal consumer reports

I was an authorized user on my mother 's Discover credit card. She passed away in XXXX of 2022. The account is being reported on my credit report with late payments. I have written letters to the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account and the late payments be removed from my credit report. I have not received a response from the credit bureaus. This account was not mine. The account and late payments are hurting my credit score.
Product: Debt collection

The Law Offices of Taylor, Pigue, Marchetti and Blair, PLLC had, for several years, garnished my wages while I worked for the XXXX. We have asked them repeatedly for a full accounting of all monies received and how they were applied and they have failed to respond to my request. It seems instead of the debt being reduced it continues to increase. I retired from XXXX in 2015 and am currently unemployed - it is imperative that I know how much money they have received and how it was applied, so I know how to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/XXXX and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XX/XX/XXXX-XX/XX/XXXX. I have spoke to the credit bureau, the dept of ed told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX they sent me back to the XXXX XXXX XXXX, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified bureau by phone, online and by mail. I have placed a Fraud Alert on my profile and still have not received the proper assistance. I notified the bureau that they were reporting inaccurate information and they continue to report it stating it has been verified as accurate. They are not investigating the matters themselves they are allowing a 3rd party to do so and isnt providing me information on who they are verifying through and with. Ive tried all means to have this rectified. 

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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 US Department of Education I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have denied my request for my free credit report from XX/XX/XXXX. I have been on Income Driven Repayment plan with XXXX and XXXX XXXX XXXX XXXX since XX/XX/XXXX. All 3 are providing false information and stating I have paid XXXX nothing yet the balance shows going down every month in the defined time span. 
All 3 lie about being able to upload documents that prove they have the wrong information about my name and address. 
They have posted false information about debt in which a creditor lied to the courts in Indiana.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a balance on my XXXX  credit report that should reflect as it has been mark as charge off and is over {$600.00}. Yet Im still getting ding for it! Unacceptable and feels XXXX.
Product: Credit card or prepaid card

This started by not receiving the 4x perks points on my Home Depot XXXX XXXX account as they claim. I asked in the store and nobody could answer why. I was referred to an XXXX customer service number which opened a case to find the problem. One week later when I called them again to see if there was an update, they said case was never opened and they opened a second case. This has never been resolved. 
Second issue arose when I received the attached letter from Home Depot Credit Services notifying me they were sending new cards. The new cards have never arrived. They then for some reason changed my account number and have not given me a reason as to why they changed my account number. I have contacted customer service several times by sending a message to them thru their website when I am signed into my online account with Home Depot Credit Services, asking when am I going to receive the new cards and why has my account number been changed. The sent replies that did not answer either of my questions. On XX/XX/XXXX they sent a reply that my new cards were mailed on XX/XX/XXXX to an address that I removed from account in XX/XX/XXXX. I have asked why they sent the cards to that address and they have not responded. I believe Home Depot Credit Services is responsible for a security breach that lead to my identity being stolen on XX/XX/XXXX. I believe they have had a security breach they have not disclosed. I have closed my account with Home Depot Credit Services, and will now take my business elsewhere after having a commercial business account with them since XXXX.
Product: Credit reporting or other personal consumer reports

My information was used and there are utilitiy account and apartments open in my name and Ive tried getting them removed and letting the companies know they don't belong to me but they are refusing to remove them and being very rude and threatening me about it
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I see litigation for defamation of character. ) 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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00}
Product: Credit reporting or other personal consumer reports

Fraudulent activities unauthorized inquiries that I did not consent to. 

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

On the XXXX XXXX XXXX I sent a letter to TransUnion and asked them to check the items for a signature and completeness accuracy of the accounts. They didn't send me any of the information in which I asked of them. According to 15 USC 1681 they violated my rights several times. I demand the accounts listed below be removed. I didn't give TransUnion written permission to furnish these accounts I have a right to privacy. The accounts are : XXXX XXXX # XXXX and XXXX XXXX XXXX Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXX.Dispute XXXXDispute XXXX   XXXXDispute OFFICE OF THE ATTY GENERDispute OFFICE OF THE ATTY GENERDispute XXXX XXXXDispute all ftc violations sent and filed
Product: Credit card

Synchrony Bank has raised their APR to 34.99 %. On top of that they will charge an 2 % on promotional transactions. So if they advertise 0 % interest for 48 months it really isn't. Also charging {$1.00} monthly if you want a paper statement.