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

I have sent multiple letters explaining why my credit report is in accurate. Neither credit bureau has responded or sent anything back to confirm the accounts on my credit report are accurate. I have sent letters dating back since XX/XX/2023 and have yet to received a valid response in accordance to the FCRA
Product: Credit reporting or other personal consumer reports

I have sent disputes to XXXX, XXXX, and Experian regarding inaccurate information present on my credit report. In my correspondence, I meticulously detailed the accounts in question and highlighted the violations they were perpetrating against my consumer report. Despite allowing more than 30 days for their response, none of the credit bureaus have addressed my concerns or provided any resolution. Attached below are copies of all letters sent for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan through quicken loans, my credit scores were all above XXXX. When I talk to the loan adjuster they advised I had to have ky credit score above the XXXX to qualify for loan. I pulled all.of my credit scores and they were all above XXXX. I advised the quicken loan officer that my scores were above XXXX and I was ready to proceed. She ran my credit and lied about my all.of my credit scores being around XXXX. She discouraged me from trying to continue with the loan. I sent her a email asking her why she was maliciously advising against doing the loan when my credit scores were above the XXXX. I felt there was a XXXX under tone and demographic bias denial. I even asked for a copy of all my credit scores just to verify she wasn't making these things up, I did not receive anything. I did my research I could of qualified for a FHA loan with my score being at XXXX to XXXX but I took their advice getting my score above XXXX. We missed out on a house for XXXX due to her neglect and discouraging advice not to continue with loan.
Product: Credit card or prepaid card

Citi Aadvantage Master Card has prematurely and inappropriately disabled online access to my credit card account balances and transactions. When I call customer service, their automated system does not recognize my existing card number or my SSAN. They advised me that I can continue to use my card, but I wont be able to access my card activity online until I receive and activate my new card. They say it will take 7 to 10 business days from XXXX XXXX to receive the new card. That is a long time to be unable to monitor my card activity, especially if it can still be used. My practice is to review my account activity every day to make sure there are no anomalous transactions. 

Citi Aadvantage is consolidating credit cards under a new product. On XXXX XXXX, my existing card was disabled as a result of processing the new card and new card number. Citis information message posted on my existing account online suggests that I should be able to see my old card account online and use the old card until I receive and activate my new card ( While your account details are transitioning to the new car, you may see the same transaction appear under both cards ). That is not how it is working. The Citi Escalation Specialist ( Team ID XXXX ) was unable to explain this and confirmed that I would not be able to see my account balances and transactions online until I received and activated my new card. He acknowledged that he could see why this would be an issue for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX 15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these letters being sent to these three bureaus, there has been no resolution or corrections.
Product: Credit reporting or other personal consumer reports

Loan balance incorrect Payments were made during months they are listed as unpaid or late High balance is incorrect There is no credit limit because it's not a credit card but a loan so having a zero credit limit makes it look like I've over the limit. 
payment status has not been updated since XXXX and i've paid in XXXX and XXXX and soon to pay in XXXX
Product: Credit reporting or other personal consumer reports

BECU has violated many consumer rights, in engaged in insurance fraud, deceptive practices and unjust enrichment. BECU has sent letters asking to settle the matter, the most recent in XX/XX/XXXX, but have not responded to faxes sent to multiple departments and phone calls to the departments mentioned in the letter. BECU has ignored financial instruments intended to settle the account in XX/XX/XXXX. BECU has ignored IRS Fiduciary form 56 sent XX/XX/XXXX, to settle the account. BECU has ignored UCC1 ( # XXXX ) and UCC3 ( # XXXX ) filing in Washington State and mailed directly to BECU in XX/XX/XXXX. BECU reported a loan balance of {$0.00} between the months of XX/XX/XXXX and XX/XX/XXXX on the consumer 's account. BECU filed insurance claims and collected monies on account XXXX in XX/XX/XXXX, yet continues to try and collect on the account, directly from the consumer ( as of XX/XX/XXXX ). 

BECU has reported CHARGE OFF status with the credit reporting agencies, yet refuses to send the tax documents ( or any for that matter ) stating that it has been charged off. 

BECU has given, without permission, the consumer 's information to multiple parties ( violation of 15 USC 1681 ( a ) ( 4 ) who have since violated consumer rights, harassed the consumer, including the consumer 's friend 's and family. Harassment and abuse are covered under 15 USC 1692d and 15 USC 1692g. 

BECU have allowed assigns to file lawsuits, in XXXX XXXX, Kentucky. The contract specifically states that the laws of Washington State shall govern the contract. 

The consumer continues to be railroaded and ignored while BECU effectively pursues unjust enrichment off of the consumer, between the securities created, payment from the consumer, cashing out on an insurance claim and attempted collection of the XXXX XXXX XXXX XXXX. Is a tax exempt, non profit organization allowed to do this? How can one organization claim to be not-for-profit, hold tax exempt status and collect on one contract several times? This has been documented in many communications with BECU and BECU has not rebutted any of the claims. 

On their website, BECU states they are a " not-for-profit, member-owned cooperative ''. They hold a not-for-profit and tax exempt status with the IRS. 

In a letter dated XX/XX/XXXX BECU has been urged to make this right with the consumer, but as of XX/XX/XXXX they have yet to do so.
Product: Credit card or prepaid card

been with American express many years went to XXXX XX/XX/XXXX ny we all got sick food posinoing. noticed am ex they said it would be disputed typically they are the best at disputes protecting the customer. I just called today its Still on my bill I am put on hold for an hour while he researchs it with no respect for my time. my time matters. why is it still on there? HELP get it off. I did call restaurant. get the XXXX dollars off my bill
Product: Debt collection

Reference # XXXX Creditor XXXX XXXX XXXX XXXX ( Allied International Credit Corp ) Called many times to remove.

Letter is dated XX/XX/2021 No answer and no call backs!
Product: Mortgage

We set up automatic payments with our mortgage company. They did not process it And instead send a delinquent notice. There is no customer service to talk to.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of a fraudulent account on my credit report, as I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have entries associated with fraud removed from my credit file. 
The fraudulent account in question is as follows : 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 Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy. 

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

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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

Due to the pandemic and financial loss, on XX/XX/XXXX XXXX, I called Shell Point Mortgage @ XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX, I was approved for a Forbearance covering XXXX, XXXX and XXXX Payments ( XXXX ). On the same date, I received an email confirmation from XXXX XXXX acknowledging the Forbearance was approved and that I would receive a letter within 7 to 10 days. 

I have yet to receive the Forbearance Agreement. I emailed XXXX XXXX again on XX/XX/XXXX XXXX asking does Shell Point Mortgage send something in writing. XXXX XXXX advised me, the letter MIGHT HAVE went to my Bankruptcy Attorney and the check with them. 

I responded to XXXX XXXX and advised her my BK was over 7 years ago and why would Shell Point Mortgage send my Forbearance Agreement to the attorney I have not seen or utilized in the past 7 years. To release my Forbearance Agreement to anyone other than myself is a violation of my privacy information. 

I called Shell Point again on the same date XX/XX/XXXX at XXXX and spoke with a representative, XXXX XXXX , she informed my the only time information is sent to the Bankruptcy Attorney is when there is an active Bankruptcy in play and XXXX incorrectly spoke regarding my Forbearance. 

XXXX further explained the conditions of the Forbearance assuring me each payment would be moved to the end of the mortgage and come XXXX XXXX the mortgage would be current. She did request I set up payments for the escrow portion {$480.00} to avoid an escrow shortage. I set up payments to draft my account on XX/XX/XXXX and XX/XX/XXXX. XXXX also advised me she had no idea as to why the Forbearance was not mailed out to me. She told me she would have it emailed to me or mailed again. 

Here are my issues 1. I have never been able to make payments online via the website, it states my loan does not qualify. What does this mean? During a pandemic I should have the means to make a payment or at least view my account online versus holding on the telephone for in excess of 30 minutes to reach a representative of Shell Point Mortgage 2. I am unable to access my account at all, using the Shell Point link, https : //www.shellpointmtg.com/mortgage-help the screen continues to flicker. 

3. I am entitled to receive the Forbearance Agreement. To date I have not received the information. 

Dealing with the Pandemic and financial loss is stressful and scary and Shell Point Mortgage has only added to my fears and anxiety because I NEED to ENSURE my home is protected for the sake of my family. 

I am coming to Consumer affairs for the 3rd time to ensure all of my issues are addressed in the response from Shell Point Mortgage. 

I DO NOT TRUST this loan servicer based on negative experiences since my loan was serviced released to them. 

When will someone step in and take action against this loan servicer, there are so many complaints against them.
Product: Credit reporting or other personal consumer reports

On My credit Report Self Lender has Incorrect information Reporting. ( 1 ) Accounts Numbers are Different.. ( 2 ) its Reporting Closed and on XXXX its Reporting Paid. ( 3 ) Open Date are different!! XXXX Open XX/XX/XXXX XXXX Open XX/XX/XXXX and I have asked them to Fixed 2 times already and they Just totally Removed the account from XXXX company!!! Please me get the account to Current Never paid my account late!!
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN FINANCING C via XXXX XXXX XXXX and Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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

On XX/XX/2020, signed closing documents refinancing my home. Proceeds were to be distributed to several companies to payoff other loans. The 3 day wait period ended on XX/XX/2020. Payoff amounts were based on specific dates, however, those dates have passed. I was told that checks were mailed regular mail on XX/XX/2020, which means there are no tracking numbers.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding incorrect information on my credit report. Despite several efforts to address this issue through the appropriate channels, the credit bureaus have neither acknowledged nor investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these repeated submissions, the credit bureaus have not provided any response, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

This marks my fifth attempt to resolve this issue, yet I have received no response from XXXX, XXXX, or TransUnion. I am filing this complaint as a last resort and request your prompt assistance in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my account was properly investigated but how is that possible if Date Of Last Activity, Date Opened, Account Status, and Dispute Status are INACCURATE. This is grounds for REMOVAL. 

They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. 

FDCPA 807 ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

FCRA Section 605 ( c ) - " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. 

They also took well over 30 days to investigate and respond to my written disputes within 30 days. which violates FCRA Section 611 Part ( A ) ( 1 ) My certified tracking number for XXXX is XXXX. My certified XXXX tracking number is XXXX and my Equifax tracking number is XXXX. 

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX
Product: Debt collection

Repeated, automated telephone calls between 5 and 10 times a day. They were verbally instructed to stop calling, but the harassment has continued.
Product: Credit reporting or other personal consumer reports

This complaint concerns Experian and an inability to log into my online account and issues managing my credit freeze through their phone system. 
- I had identity theft in XXXX and placed a credit freeze with Experian. 
- On XX/XX/XXXX, I wanted to log into my Experian account to do a temporary lift of my credit freeze, but I found I couldn't remember my password. 
- I followed their process for " I forgot my password '', but it involved them wanting to call me on my old landline phone number, which I no longer have. So I was not able to reset my password online. 
- I tried calling them at XXXX, but that is only for freeze and fraud type services, and it had no option to speak to a person to explain my issue. 
- I tried calling Customer Care at XXXX, but it only referred me to their website for account issues, and when I asked to speak to a representative, the system said it couldn't do that and hung up on me. 
- I don't know how to fix this and restore access to my online account. 

I used their phone system to do a temporary lift of my credit freeze for a certain date range. When I found I finished earlier than expected and called to put the freeze back in place for security, their phone system did not provide that option, gave me no way to speak to a person, etc. I don't know if my online account would have given me that option, but it might have helped. They have VERY limited options in their automated systems. 

I want to add that I did not have these issues with XXXX or XXXX. Experian had this same type of customer service issue back in XXXX where if you hit things that didn't fit their automated service options, then you could not speak to a person or send an online message to get help. All they offer is a po box , and this is not the type of info I feel safe sending through the U.S. mail.
Product: Debt collection

Hello I paid a debt that I owed to XXXX, XXXX Waypoint Resource Group reported this on my credit without validating my debt. 

Waypoint Resource Group has not provided me with : Evidence that Waypoint Resource Group was legally authorized to collect this debt The original contract or original purchase agreement, proof of ownership and proof they are legally owed this debt, and finally proof that they sent legally required notices to me before they reported it to the collection agencies.

Waypoint Account # XXXX
Product: Debt collection

Enhanced Recovery XXXX at XXXX XXXX XXXX. XXXX, FL XXXX alleges I owe them {$3500.00} and has been sending me collection notices. The company is reporting the collection past due. I do not know this company and have never done any business with them. The company dose not have a contract with my signature or and proof to Validate I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection many times since it was placed on my report. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL MY NOTARIZED DOCUMENTS TO BMW FINANCIAL SERVICES AND TO XXXX. I AM CONSUMER WHO IS A VICTIM OF AN IDENTITY THEFT, I HAVE NEVER REQUESTED OR WANTED TO BUY A CAR FROM BMW FINANCIAL SERVICES. I HAVE NEVER DRIVEN A BMW, THIS ACCOUNT IS NOT MINE, IT WAS NEVER MINE.
Product: Debt collection

I, XXXX XXXX, filed a direct dispute with XXXX  against my false collection account with Quality Asset Recovery. I told them that insurance had paid that original medical bill. They verified that was accurate, yet did not remove the collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXXXXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.