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

On XX/XX/24, I settled an account with XXXX XXXX for {$130.00}. The collection agency, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX acknowledged the settlement and on or about XX/XX/24 requested that XXXX remove said account from my credit account. I susequently informed XXXX of said settlement and requested that the settled account be removed from my credit report. Despite XXXX 's and my request to have XXXX XXXX removed from my credit account, XXXX has refused to do so, which has had a negative impact on my credit score. There is no reasonable justification for the settled account to remain on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to work with Experian to get my credit freeze lifted. 
They were not able to process my request online. Their website suggested I try the online upload. When I did, it said it was not able to accept my upload. 
Now they are requesting a letter, state id, bank statement, and copy of my social security card be mailed directly to them. 

My complaint is this. Experian is asking me to send everything anyone would need to steal my credit in the mail to a known online published mailing address. Literally asking me to create a nice little package for anyone to steal my identity and drop it off at the post office. 

In my opinion, this is highly insecure!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DID NOT APPLY FOR ANY CREDIT WITH THESE COMPANIES I WANT THEM TO BE REMOVED FROM MY CREDIT REPORT THIS SI FRAUD
Product: Credit reporting or other personal consumer reports

I submitted a letter to explain from XXXX XXXX account XXXX to remove the 60 days late off my experian consumer credit report my complaint is that experian bever remove the negative late payment off the XXXX XXXX account social security number is XXXX
Product: Payday loan, title loan, or personal loan

{$1200.00} was to have been refunded to my Paypal account by the XXXX XXXX XXXX when seller, XXXX XXXX XXXX, XXXXXXXXXXXX cancelled and supposedly refunded on XXXX XXXX, XXXX. Seller claimed the guitar I bought was defective. Original purchase was on XXXX. Seller has already relisted the guitar on XXXX without having completed the refund. 
I attempted to contact Paypal on two dates several times to resolve this fraud ... XXXX/XXXX/XXXX ... calls would not go through or would get disconnected. XXXX Paypal was closed! 
Transaction number XXXX.
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 USC 1681. XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Mortgage

As you will see in the details that I provide below, our loan with Shellpoint Mortgage Servicing was paid in full on XX/XX/2018. 

On XX/XX/2018, I requested a payoff amount. 

On XX/XX/2018, a payoff amount of {$2800.00} was received and was valid through XX/XX/2018. 

On XX/XX/2018, a payment of {$760.00} was made on the Shellpoint website ( Confirmation # XXXX ). 

On XX/XX/2018, a payment of {$760.00} was made on the Shellpoint website ( Confirmation # XXXX ). 

On XX/XX/2018, a new payoff amount was requested because the previous payoff was no longer valid. 

On XX/XX/2018, a new payoff amount of {$1300.00} was received which reflected the payments made on XX/XX/XXXX and XX/XX/XXXX with an additional interest amount of {$14.00}. 

On XX/XX/2018, a phone payment of {$1300.00} was taken by XXXX XXXX ( Confirmation # XXXX ). 

On XX/XX/2018, an additional phone payment of {$14.00} was taken by XXXX XXXX ( Confirmation # XXXX ). On this date, our loan balance should have been {$0.00}. 

On XX/XX/2018, I spoke with XXXX XXXX of Shellpoint Mortgage Servicing who confirmed our loan account was fully current with no further payment due on our loan. 

Shellpoint Mortgage Servicing has continued to pay our homeowners insurance and property taxes every year since the loan was paid in full in 2018. 

Shellpoint Mortgage Servicing has also reported us as seriously delinquent to the credit bureaus since XXXX of 2018. 

I have made numerous attempts to resolve this issue with Shellpoint. Each Shellpoint Representative that I have spoken with agrees the loan should have been paid in full in XXXX of 2018, but does not have the ability to correct the account. I have been advised to send an email to the escalations department, send an email to the loan servicing department, and most recently, to use the contact us area of the Shellpoint Portal. I have sent email after email and submitted several requests within the Portal, but our account and credit remains uncorrected.
Product: Debt collection

American Express has been attempting to contact my father-in-law regarding the debt I previously incurred at his home and cell telephone numbers. They have made three attempts over the previous two days, on XX/XX/20 and XX/XX/20. Not only is this a breach of the Fair Debt Collection Practices Act ( FDCPA ) as they called him more than once in an attempt to locate me given that you already had working contact details for myself, but they also are in breach of the Telephone Consumer Protection Act ( TCPA ) for using a robocaller in order to attempt to do so.
Product: Credit reporting

I was a victim of fraud and it is my understanding that it is my right to place an extended alert with all XXXX credit bureaus and receive a free credit report to check for discrepancies. All of the credit bureaus have automated telephone response systems and do not allow for a consumer to obtain a free credit report due to fraud and/or place an extended alert. Furthermore, none of the bureaus offer to speak with a customer service representative.
Product: Debt collection

This company repeatedly contacts me at work from numbers XXXX and XXXX. On XX/XX/XXXX at XXXX they called me at my work number from their number ending in XXXX. I immediately called them back from my cell phone and told them that I CAN NOT receive phone calls at work. I work for a state government agency and all of my call logs are monitored against personal calls. These can get me in serious trouble as " theft of resources '' for using my government phone for personal reasons. The lady I spoke to said that she would have the number removed. 

Then this morning at XXXX I get another phone call using their number ending in XXXX. I immediately called back and told them I already asked on XX/XX/XXXX not to contact me at work. The only reason give was that it could have been another department that called. I'm sorry but I told your company once that calls are not allowed, it doesn't matter which department uses it. 

When I asked what it was in reference too I was told they needed my social to look it up, I gave a fake number and hung up because I was hesitant to hand out my info to this company. 

This company has my cell phone number, they call it constantly all day long. They should not be using my work number after they were told the first time not to.
Product: Checking or savings account

Someone stole my identity and charged {$810.00} on XX/XX/XXXX at XXXX while both my husband and I were at work. We disputed the transaction on the same day with J.P. Morgan Chase and they reversed the charge, in addition to making us verify our identity with them before unlocking our checking account and issuing us new debit cards. They then about a week or so later put the charge back on claiming that since the correct pin was used that it was a valid charge even though as part of the identity theft they got my pin.

Me and my husband have tried to work with Chase ( even emailing their executive team ) and they say that since the correct pin was used regardless of whether it was identity theft or not that we are out of luck and refusing to give us back our money. While I do not have a copy of the police report I do have the police report number, I do have the number from the city : XXXX with the City of XXXX in XXXX WA and Chase does not think that is good enough. As this falls under Regulation E, I ask for your immediate help to get this resolved.

We can not afford to be out this money as this is causing us to get behind in our bills and messing with our credit.
Product: Mortgage

on XXXX/XXXX/2013 my wife and I closed a short sale on a condo mortgaged by Chase Bank. Until that time we had faithfully made our mortgage payments including the final payment made on XXXX/XXXX/2013. Recently I changed auto insurance, and was informed that I did not qualify for their lower premium because of a Derogatory late payment status date XXXX. 
Description : '' A payment status of 30 days late ( or worse ) was reported 2 years and 1 month ago. ( This excludes accounts for which the payment history was not reported. ) ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights.

-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercise their grave responsibility with fairness, impartiality and respect for my right to privacy 15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. 

Here are the errors as follows : 1. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 4.INQUIRY- XXXX XXXX : DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX FIN DATE : XX/XX/XXXX XXXX. INQUIRY- AMERICAN CREDIT ACCEPT DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 10. INQUIRY- XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX  DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- COAF DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY : XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX & XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OF XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/XXXX 30. US DEPARTMENT OF EDU OPEN DATE : XX/XX/XXXX 2015
Product: Credit reporting or other personal consumer reports

This NOTICE is a formal challenge of reporting late payments to my consumer report for Account # XXXX on XX/XX/year> & XX/XX/year>, by Oportun XXXX XXXX ( Oportun ) Reporting late payments violate the Fair Credit Reporting Act ( FCRA ). 

Legal Basis for Dispute 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : This section of the FCRA specifies Exclusions, the term consumer report does not include report containing information solely as to transactions and experiences between the consumer [ me ] and the person [ Oportun ] making the report and must be excluded from consumer reports. The late payments reported on my account do not meet the criteria for inclusion under this statute.

15 USC 1666b ( a ) : This section outlines the creditor reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Payments can not be treated as late unless these procedures are followed. 


XXXX XXXX Compliance Disclosure As Oportun should be aware, XXXX XXXX compliance requires that all transactions reported to CRA be accurate and reflect the true status of the account. The current status of my account as reported by Oportun , Inc. does not comply with these standards.
Product: Checking or savings account

As per the guidance from the consumer financial protection bureau ( CFPB ) the documents needed are a picture ID, Bill, and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXXXXXX, which falls under XXXX according tXXXX XXXX XXXX XXXX 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Received Trial modification documents from Selene Finance the modified payment is {$2500.00} monthly 1st payment XX/XX/2021. This modification was not based on my income then I received a few days later mail stating my 1st payment would start XX/XX/2021 I'm confused does the mortgage company know what they are doing??. Selene has set a property foreclosure sale for my home XXXX 2021. Selene is refusing to assist me with keeping my home I have spoken with customer service several times they tell me when I call in they don't see my request for assistance or they don't see my account. Received letter stating a credit decision was made to not reduce my mortgage payment because of information received from my XXXX  credit report. 
Mortgage assistance is not suppose to be based on credit I've read. I have been in bankruptcy because of being affected by Covid19 and my husband left me over 2 years ago. I don't want want to lose my home to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with experian about an account on my credit report that has already been paid off but they keep reporting it late even though it isnt late everyone has struggled with covid 19 pandemic on harsh unpredictable times .... please stop making consumers suffer for something that isnt there fault it is unfair and unjust!
Product: Student loan

When seeking out information about why I was receiving notices with zero payments due. Then the next day I would have a delinquent notice. I was simply confused and needed to see the other side. At this point, operator XXXX jumps on the phone to let me know the answer to my above concerns in this manner, " well that national advisory you had consolidate your loans, they helped you to falsify your income and documents to get that rate. Did your income even change? At this point the conversation is over, because I will not be spoken to like dirt! Two things I have a problem with, your customer service agent just called me a liar and a thief. Do the research and the math. Texas XXXX 45hr+night diffXXXX that's 47 hourly straight pay. Wyoming same nurse 32hr+XXXX night diff..XXXX, it's about XXXX less an hour. Plus I worked two jobs up til now. It would be well advised to educate this individual on customer care. In my profession my boss would of already had me escorted off the property ... 
Respectfully, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Lexis Nexis, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

Lexis Nexis sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
XXXX has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled account with XXXX XXXXs in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from XXXX and XXXX stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the XXXX XXXX is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted XXXX XXXX ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & XXXX XXXX XXXX ( stats that XXXX  is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to capital one via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.
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 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 card or prepaid card

On XX/XX/2021 a purchase was made on my chime credit builder card for {$240.00} from XXXX that I did not authorize. I filed a complaint with chime and a few days later I was told that they didnt find any error and they were closing my dispute and not reversing the charge. I asked for the documents they used to determine there was no error and they sent me a letter stating that they called the merchant and the merchant said that my name billing address and email were used for the purchase ( letter is attached below ). I have never done business with XXXX. Chime is giving me the run around so they dont have to re open the dispute. They said if I send proof that I didnt make the purchase they can re open. When I ask what proof to send because o didnt make the purchase. they say anything to prove that but not giving me specific documents. Ive sent my web browser history, my emails showing I have never received and email from XXXX  and they keep saying thats not sufficient but. It telling me what to send in a case of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the dates of XX/XX/20 my identity was stolen throughout covid pandemic I had put lock on credit on my credit report and also file bankruptcy due to all of these bills thank occur and more bills is still happening since the pandemic that someone has stolen my identity and changed my number..
Product: Vehicle loan or lease

I bought a car from Ford motor company in XXXXI lost my job and car was repossessed. After they sold it it was left owing {$5000.00} something. 21 years later they're still garnishing my wages every time I get a new job is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and Equifax in the past to have them remove fraudulent inquiries on my report. I kept getting alerts that my credit file was pulled when I haven't been applying for credit. They are refusing to remove them and is advising me to contact each individual companies to have them removed. That is not my job and is time consuming I think I have some identity theft that they are trying to cover up or credit inquiries that were reinserted after deletion. 

Inquiries - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX