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

EQUIFAX has failed to protect my file and information. I have 3 fraudulent acounts on my credit file. I disputed all three XXXX XXXX, XXXX XXXX, XXXX XXXX. They did remove XXXX XXXX and XXXX XXXX  which are fraud but put them back on 6 months later. You cant delete fraudulent accounts and then put the same accounts back on my file and have no reason. I have addresses i never lived at on file i disputed those and Equifax cant seem to get there stuff together. Their customer service reps hang up on you when you press them about Equifax mistakes and how are they going to fix them. Their dispute process is a joke they are jeopardizing millions of Americans information a on top of that there is major incompetence within its work staff. My credit file is a mess with inaccuracies and fraudulent information on it. I have exhausted all my resources in trying to fix my file. We need another Congressional hearing about this company and there mishandling of my credit file and so many other Americans
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting 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 correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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.
Product: Debt collection

XXXX XXXX XXXX called said i had an outstanding bill of {$180.00}. They read off a phone number which was not one of mine. They would not say the address on the account.I informed them that the bill was not mine. Today I found that item on my credit report
Product: Credit reporting or other personal consumer reports

I requested Experian to remove old addresses. they removed 1 and refused to remove 6 others. they removed 4 old phone lines and a number of employers. I used their online dispute area. I have also sent to them two letters to remove my private information other than my current phone number and adress.

they also removed one collection that was incorrect for them to have on file and be sharing with the public at large.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. I regularly check my report, but this time I noticed unexplained discrepancies. I refreshed my browser to rule out a glitch, but the inquiries didnt go away. I am extremely frustrated with this situation and need the documents I've submitted to be thoroughly reviewed to prevent this from happening again.
Product: Checking or savings account

I have been a chase customer since I was XXXX old. I am now XXXX. I recently started working for a new company. They pay every 3 weeks and mail a check. I finally received the check and used Chase Quick deposit to deposit a check of XXXX into the account. I immediately receive hold and no funds were released. The next day I call and my account could be closed for this deposit. I have been calling every day with no solution but to see what happens in 10 days. The issue they claim is there is no way to verify a XXXX XXXX check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several of letters into the credit reporting agencies about the different discrepancies, also i have sent letter about then provide original contracts, and requests was hippa .The name of the collection is XXXX XXXX XXXX XXXX  XXXX the amount is {$800.00} and XXXX XXXX XXXX the amount is {$410.00} the credit reporting agency still will not update this information on my report. The credit reporting agency is TransUnion XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER 5-6 MONTHS. 

PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

American express has frozen all of membership points for no reason at all. I have called several times and they keep telling me it will take 6-8 weeks for someone at corporate to review my account. I believe they have " randomly '' picked me out just because of my XXXX name. I can not find another reason for them doing this.There is no reason that ALL my XXXX membership rewards point should be frozen and this includes all my membership points accumulated, going on for several years now. This should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to experian who obviously wants to never correct things. I had questioned their past procedures in how they process disputes.Having my doubts that information was not only investigated but information on accounts actually existed so I wrote letters and sent to each creditor asking to send me documents supporting accounts. The creditors were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I needed for legal purposes and if they did not have documentation for the accounts to let me know or if they didnt send I would understand that as they no longer have information. 
Well if they no longer have information how can experian have done investigations proper ones. They cant. I am including the letters sent to creditors along with their responses also the request I sent to experian. 
The responses I received after specifically asking for account documentation were these XXXX   XXXX -- -- no longer handles account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX -- -- the account was sold please contact purchaser XXXX and XXXX please contact us at this number we know your credit is important This to me tells me as no documents supporting account were sent and contact was made asking and calls made but no documentation because the creditor no longer has so how was an investigation ever done if the dont have documentation all other creditor sent packets with documentation. but not these. 

Now my response from experian was this I need to supply relevant information or they wont investigate. I couldnt have supplied anymore relevant than the letter I sent to creditors and their responses. They dont have and didnt send documentation for the accounts instead it was call and contact whom they sold account to. 

If there is no information what relevant information do they want. It was specifically stated documentation was needed for legal purposes. 

Experian always refuses to do anything but send a form letter to you as it saves time and money the 30 seconds they have to process each complaint. XXXX no they dont want to remove an item that they can verify because it would take to long. 

All of these Items should have been removed as there is NO documentation supporting these accounts. End of story. If experian refuses to re investigate or remove then we have a violation of FCRA. I have provided more than enough information to show these items need to be removed. Some are old but all are closed. 

Im asking experian now either remove or supply all documentation that gives them the right to report on my credit file. No ifs ands and buts. If creditor doesnt have experian better have in order to be reporting.
Product: Debt collection

The remaining items are still on my credit and it has been over XXXX days. I was a victim of identity theft and i want these items to be removed I THINK 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

-I disputed a way someone reported me on my credit report. I did this on XX/XX/XX/XX/XXXX Within hours they said it was " updated '' However they marked me as a collection for XXXX XXXX and XXXX ofXX/XX/XXXX 
-This account was paid and closed in late XXXX. 
-The company was supposed to waive any lates or charges In XXXX, XXXX, and XXXX of XXXX which is what I was reporting. 
-How can Experian just " update '' what they assume without looking into it and then I am the one that suffers. This is ridiculous. 

-TAKE THESE WRONG MARKS OFF OF MY CREDIT. I AM TIRED OF THEM SCREWING THINGS UP WHEN I NEED IT FIXED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the phone number as listed on the credit report via Equifax for XXXX XXXX XXXX. After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date Maj.

Del. 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My email provider, XXXX XXXX XXXX XXXX XXXXXXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.
Product: Mortgage

my loan is with loan depot- loan number XXXX, i am coming out of XXXX XXXX and my request for Disaster Modification was denied. I was informed my loan is in default.
Product: Checking or savings account

I had a checking account with M & T bank. On XX/XX/XXXX I sent a secure messages asking them to close the account. I got a notification in XX/XX/XXXX that my online statement was ready, thinking little of it since often banks will do one last statement for a closed account. I got a notification this morning that another online statement was ready. I accessed my account and discovered that not only had my account not been closed as requested but that I had been charged a service fee of {$24.00} for both XXXX and XXXX, bringing my account into a negative balance of almost {$50.00}. I attempted to secure message M & T this morning to ask why this occurred but it says " Were experiencing high volumes in our inbound secure message system and the ability to send messages is currently unavailable. '' Phone support is also not available on Sundays.
Product: Credit card or prepaid card

I have been trying to reach Comenity Bank since XXXX XXXX and it is now XXXX XXXX  and I can neither reach them by any of their phone numbers or their website. I need to make a payment today, and there literally is no way for me to do this.
Product: Debt collection

First violations was this account was removed from my credit, at one point then some how ended back on my credit. This account has all so been removed from XXXX and XXXX for not being able to verify the debt. 

Second i asked for a itemized list of how they collected the total which was not provided, i asked for the original contract of the company, with XXXX  written signature agreeing to pay this company which was not provided. 

Third i disputed the validity of this debt and Experian never provided me with a copy of the original contract or any proof of the debt or proof of verification. 

Fourth They also are violating my rights and not reinvesting a disputed account. 

XXXX XXXX and XXXX have failed to verify this debt so how is experian verifying this debt. Please explain how, and provide me proof of investigation and my signature agreeing to pay this XXXX! And i want experian to send me the original contract and a contract with XXXX with me agreeing to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from XXXX is dishonest. We were rate shopping and spoke to XXXX at XXXX to see what rates he could get us. Other lenders just needed general information, income, debt, credit score and they could provide a quote. He says, " I'm going to do a soft credit pull. It won't affect your credit score. '' He didn't even ask my permission and I didn't give him permission. I didn't give him my information it must have pulled it from the information that had on me. We'll my credit score dropped and I got this thick package in the mail for a full XXXX application I never asked for.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am resubmitting my complaint against PennyMac Loan Services , LLC regarding their inaccurate credit reporting while I was enrolled in a Disaster Forbearance Plan, their failure to properly notify me of credit reporting consequences, and their violation of my rights under the Servicemembers Civil Relief Act ( SCRA ) as an XXXX XXXX military member XXXX XXXX at the time. 

Key Issues with PennyMacs Handling of My Forbearance : 1. Failure to Properly Notify Me While I Was XXXX XXXX At the time of my forbearance enrollment and transition, I was XXXX XXXX military and XXXX XXXX. 
PennyMac claims they placed documents in my online account, but this is not sufficient notification for a XXXX servicemember, especially when the information significantly impacts my financial standing. 
The SCRA ( 50 U.S.C. 3901-4043 ) specifically protects servicemembers from adverse financial actions while on XXXX XXXX, including negative credit reporting related to financial hardship. 
XXXX. Failure to Disclose Credit Reporting Consequences of Ending Forbearance PennyMac failed to inform meby email, mail, or phonethat ending my forbearance would result in negative credit reporting for the months covered under the forbearance.

Their website and policy state that loans in forbearance would not be reported negatively, yet PennyMac retroactively removed my forbearance status and reported XX/XX/year> XX/XX/year> as delinquent. 
This lack of clear disclosure violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) and Federal Trade Commission ( FTC ) consumer protection laws.

3. Legal Violations and Consumer Protections Ignored by PennyMac Servicemembers Civil Relief Act ( SCRA ) ( 50 U.S.C. 3901-4043 ) SCRA protects deployed military personnel from negative credit reporting and financial penalties due to service-related hardships.

PennyMacs decision to report my forbearance period as past duewithout proper notification or due consideration of my deployment statusis a clear violation of SCRA protections.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) The FCRA requires lenders to report accurate and complete information to credit bureaus. Since I was in an approved forbearance plan, PennyMacs reporting of past-due payments for this period is factually incorrect and violates the FCRA.

The CARES Act ( 15 U.S.C. 9056 ( c ) ) The CARES Act mandates that if a borrower is granted forbearance due to a federally declared disaster and was current on payments before forbearance, the lender must continue reporting the loan as current during forbearance.

I was current before entering forbearance, yet PennyMac still reported me as delinquent, in direct violation of this law.

FEMA Disaster Relief Guidelines My county was federally declared a disaster area by FEMA, qualifying me for disaster-related mortgage protections, including relief from negative credit reporting.
Product: Checking or savings account

Due to the Pandemic I am still on unemployment. I had a automatic payment for {$45.00} which overdrew my account. The bank has charged a fee of {$36.00}. This fee will also cause other overdrafts to occur AND there will be another fee of extended overdraft since I will not be able to bring my account to a positive until my next unemployment deposit on XX/XX/XXXX. 
Transaction. XX/XX/XXXX Posted. XX/XX/XXXX Fee Amount. {$36.00} XXXX XXXX {$45.00}. 
Associated Transaction Amount Description OVERDRAFT ITEM FEE FOR ITEM {$45.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper mortgage has failed to report my loan payments and my mortgage does not show on any of the credit bureaus ... like it never existed. I have contacted them every month for the past year and after my bankruptcy was XXXX and loan reaffirmed that they were supposed to by law report my credit and I have contacted my attorney and I have contacted the company
Product: Debt collection

I received a text on XXXX XX/XX/2020 from XXXX that stated ETA :  XX/XX/2020 between XXXX - XXXX. Documents at XXXX XXXX XXXX in XXXX XXXX. Signature Req 'd by XXXX XXXX. To reschedule and to make in voice XXXX current ; please contact account services at XXXX reply XXXX to stop. Neither me nor my partner live at this address, and further, fraudulent text messages stating documents will be received is false, misleading, and threatening.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX and XXXX XXXX BANK XXXX that I haven't been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX ( XX/XX/2023 ) & XXXXXXXX XXXX XXXX XXXXXXXX for the month of ( XXXX & XX/XX/2023 ), be updated to paid as agreed on time and NOT DELETED