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

XXXX XXXX, XXXX and Experian are not responding to my requests to investigate and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 


XXXXXXXX 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: Mortgage

I have been reviewing my credit for several months now and have noticed that XXXX has failed to report all of my mortgage payments on several of my mortgages. On a few of my loans with Specialized Loan Services they failed to report the following months on my loans ending in XXXX and XXXX. 
Loan number XXXX they failed to report XXXX XXXX XXXX and XXXX, XXXX thru XX/XX/XXXX, All of XXXX was not reported, XXXX, XXXX XX/XX/XXXX was not reported, XXXX thru XX/XX/XXXX was not reported and XXXX thru XXXX in XXXX was not reported. 
Loan ending in XXXX they failed to report XXXX and XX/XX/XXXX even though they updated my score on XXXX XXXX these score were not updated not were the payments for XXXX
Product: Vehicle loan or lease

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of XXXX years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
Nissan Motor Acceptance, Car Installment paid off. Dates Reported late XX/XX/2020, XX/XX/2020, XX/XX/2020 2020
Product: Credit card or prepaid card

So many issues with this account I have been in touch with Jared with whom refers me to XXXX XXXX and XXXX with whom refers me to Jared. My account was enrolled in Covid 19 payment protection for XXXX and XX/XX/XXXX additionally the account was closed and I was passed around from department to department with zero answers then I was advised a change in credit profile during a world pandemic the only changes in question were a result of similar arrangements with other creditors most of which in writing and since corrected due to backlog yet XXXX refused to reopen and fix. I already had an active dispute as sole reason for getting the card was the manager telling me about 0 interest period yet they billed me interest non-stop Then last year in response to Consumer protection inquiry because they breached their covid 19 arrangement with me they fixed all was well until XXXX XX/XX/XXXX now they readded when I again followed up about the interest period. I have this in writing and verbal on a recorded line that this was both agreed to and then subsequently corrected yet now I am dealing with it all over again if they are not corrected I will have to explore all legal remedies.
Product: Checking or savings account

Chase decided to close my bank account and now its gon na be on my credit and effect me negatively I ordered a product from XXXX and I didnt receive it so I did a charge back with my bank and yet they reversed the credit and says I owe and just closed my account I tried reaching out but they refused to undo the reversal. I ordered an XXXX from XXXX and didnt receive the product I called and made a police report online. So Im confused as to why my account is closed. Its unfair!
Product: Credit reporting or other personal consumer reports

Credit hard inquiry trying to apply for a credit card at XXXXXXXX XXXX Experian notified. XXXX Notified.
Product: Credit reporting or other personal consumer reports

XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about XXXX years. and they have failed to create a credit score for me. Applied for the XXXX Credit Card on XX/XX/year> ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, Equifax and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. Please find all the attached Credit Card statements that chime has not reported to the credit bureaus I recently called XXXX who said that XXXX as not reported my credit score. I called chime and they asked me to take it up with XXXX. 

On talking with XXXX, they said I can't dispute something that is not there on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! Violation of Fair Credit Reporting Act. 
TRANSUNION XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Product: Debt collection

The company is Comenity Bank represented for Victorias Secret. The representative used abusive language and tones and threatened myself if I did not return the call ASAP.
Product: Debt collection

I saw several transaction notifications in the morning of XX/XX/2018 on my PayPal account. I did not make or authorize any of those transactions. I attempted to contact PayPal immediately but the Customer Support was not open. I changed the password of my PayPal account as a precaution and once the Customer Support was open, I called and reported the unauthorized transaction and that the last transaction that was authorized by me was on XX/XX/2018 for a {$10.00} purchase and any and all transactions after that date were unauthorized. 

The PayPal agent I spoke to on XX/XX/2018 assured that all the transactions would be reversed. 

But on XX/XX/2018, I received a notice from " XXXX XXXX XXXX '' saying I owe PayPal {$1400.00}. I called PayPal again the same day and asked why I received the notice. The PayPal customer service agent said she has filed another case and all the transactions would be reversed. 

On the morning of XX/XX/2018, I saw that the transactions were noted as reversed but the account balance on the PayPal account still shows - {$1400.00}. 

Whenever I try to call PayPal customer service, after providing the information needed to validate the account, the automated phone system states that the account has been placed with a collection agency and I need to contact them directly and it redirects my call to them. It does not allow me to talk to PayPal customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My phone was stolen last year around XX/XX/2021, I have not made any inquiries on credit cards or loans. On my phone that was stolen I had XXXX XXXX and XXXX XXXX I had it where it would auto fill my information. I need all them inquiries removed from the past year. I cant believe how many car inquiries and XXXX  XXXX inquiries are on my XXXX XXXX and XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called EXPERIAN numerous times only to deal with an automated answering service that consumes my time, doesn't resolve my problem, and doesn't transfer me to a live representative. Other times, as was the case on XX/XX/2023, the automated service transferred me to a live EXPERIAN representative located in XXXX XXXX. Since that live agent could not resolve my complaint, he transferred me to his supervisor by the name of XXXX ( thats the name the supervisor gave me ) which was also located in XXXX XXXX. This supervisor spoke to me in a RUDE manner and DISCONNECTED my call! The reason I was calling was to let EXPERIAN know that my FICO score dropoed by XXXX points and after reviewing my EXPERIAN report, I noticed that there are accounts that have NOT been updated or reporting ACCURATELY!!! One of my accounts- XXXX  XXXX is showing a monthly payment of {$8.00} and a balance of {$8.00} - both are INCORRECT. 
I NEVER pay a monthly {$8.00} NOR do I owe {$8.00}! XXXX XXXX is showing a balance of {$100.00} and has NOT been UPDATED! I have a XXXX balance with XXXX XXXX!!! I am attaching screenshots! I am paying my balances in FULL every month and my creditors have been sending EXPERIAN letters CONFIRMING that my account has a XXXX balance. I am LEGALLY entitled to ACCURATE reporting. There is NO reason why my FICO score dropped XXXX points! Moreover, my FICO score should have gone up as one of my creditors RAISED my credit limit and did NOT do a hard credit pull for this. I am very FRUSTRATED that I have to constantly go through the CFPB to assist me because EXPERIAN is making MISTAKES on my credit report, NOT CORRECTING the MISTAKES, and being RUDE to me, the consumer, that has a LEGAL RIGHT to have correct and accurate information reported on my credit report.
Product: Mortgage

My spouse and I called Shellpoint Mortgage approximately XX/XX/XXXX as we behind 2 months on our mortgage due to me recently being diagnosed with XXXX XXXX. We advised Shellpoint that this was a temporary setback and asked if they have any assistance programs. We were recommended to apply for a modification by the loss mitigation department. We were told a packet of paperwork would be sent out, and we were assigned a point of contact being XXXX XXXX XXXX Ext. XXXX. 

In the meantime, we did receive the modification paperwork that was time-stamped as being mailed to us on XX/XX/XXXX. However, we also received 4 letters demanding the past due payment amount of {$2900.00}, dated as being mailed XX/XX/XXXX, and an additional 4 certified Notice Of Default And Intent To Accelerate letters dated XX/XX/XXXX. 

To date we have reached out to our point of contact XXXX XXXX, and have yet to hear anything in return. Our modification packet was filled out and mailed to Shellpoint Mortgage on XX/XX/XXXX, and we followed up with a phone call advising so. 

Our fear is that we have had almost zero contact with Shellpoint Mortgage since our mortgage was transferred to them from Bank XXXX XXXX in XXXX, until now. And now, only since we contacted them asking for assistance, have we suddenly received letters of default and intent to accelerate letters. It seems like Shellpoint Mortgage is attempting to duel track by offering to assist us in applying for a modification while at the same time, proceeding to move forward in the foreclosure process by sending past due letters and intend to accelerate letters. Since mailing our modification packet and required paperwork back to Shellpoint Mortgage, nobody has yet contacted us.

As a side note, some of this struggle began when our mortgage was transferred to Shellpoint Mortgage last year. We were pomised a welcome packet including where and how to make payments. However, it took an excessive amount of time to receive any information from Shellpoint Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Experian is in violation of 15 - USC- 1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report. I told them to remove these inaccuracies off my consumer report. They are hurting my consumer report keeping me from extending my credit. if not removed i will not extend my credit to anyone or allow Experian to furnish a report for me. Persuit to 15 - USC - 1681 ( A ) 1 states that the banking system is dependent upon fair and accurate consumer reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX INQUIRES
Product: Debt collection

My sister 's name is XXXX XXXX. I am XXXX XXXX. Some of her collections have shown up on my report. I pointed this out clearly to Enhanced collection agency through my disputes with the credit bureaus. They left it on my file. This is a willful violation of the Fair Credit Reporting Act Section 623 ( a ) ( 1 ) ( 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 has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The information below details the affected accounts and inquiries : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$6900.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card

Dell account compromised on XX/XX/XXXX, fraudulent laptop order # XXXX to be sent to XXXX XXXX at a fake address at XXXX XXXX XXXX, XXXX XXXX, XXXX. Requested to close Dell account with Dell associate from XXXX confirmed over the phone he has closed the account to prevent future fraud attempts. Also contacted XXXX XXXX Police Department on XX/XX/XXXX making a police fraud report with Dell laptop. Notice from dell for billing for the amount {$2100.00} on Dell account # XXXX, creditor Comenity Capital Bank. XXXX XXXX XXXX, XXXX, OH XXXX. No auth signature for receiving the laptop from Dell. Dell claims another package was dropped off at my house at XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX where criminal suspects waited received the laptop they ordered by accessing my account where they used a different cell # on file on my online dell account.Poor quality Dell customer service lead me to purchased a XXXX XXXX XXXX model laptop from XXXX, at XXXX XXXX XXXX, XXXX, Ca XXXX on XX/XX/XXXX, XXXX bought in XX/XX/XXXX order # XXXX XXXX XXXX : XXXX. I disputed the case requesting for a refund or replacement with secure pickup at carrier with photo ID Auth & sign, Dell & Comenity Capital Bank denied my attempt for a settlement.
Product: Credit card or prepaid card

I have made payments to my Bank of America Visa card online monthly on the following dates : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1000.00} Bank of America charged me a late fee of {$27.00} on XX/XX/XXXX and told me it was because I did n't make my payment during their designated " payment period '', even though I have made a payment each month for substantially more than the minimum due. I was told that there is a disclosure on my paper statement regarding this - however my activity history would indicate that I access my account online and only make payments online. This is confusing and unfair that I am penalized because I make my payment outside of their determined narrow window of payment date. I am XXXX years old and feel Bank of America is taking advantage of me. I contacted Bank of America 's customer service and was told that it is their policy to access this charge regardless of whether I have made a payment during the month. Bank of America is benefiting from this confusion by not only charging interest on the balance but also accruing late payment penalty charges - in spite of having received a payment that satisfies the minimum due during the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 i sent a letter to equifax for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''.

-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates.

I ever gave written instructions to put this on my consumer report. They sent me back a research request form. I did not ask for this. 

ON XX/XX/22 i sent a letter to XXXX XXXX for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''.

-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates. 
I ever gave written instructions to put this on my consumer report. They are violating my rights. They said they VERIFIED this account. i would like to know how was this account VERIFIED if the court house said they don't share information. XXXX violated my privacy.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED THE Y REPORT AND STILL SEE THIS LATE PAYMENT APPEARING THAT WAS ALREADY DISPUTED BEFORE CREDITACPT XXXX. I WAS NEVER LATE. I ALWAYS MAKE SURE THAT I MAKE PAYMENTS ON TIME. I DEMAND THIS ACCOUNT TO BE UPDATED AND REMOVE THE LATE PAYMENT TAGGING AS SOON AS POSSIBLE AS YOU ARE VIOLATING MY RIGHTS Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. I AM REQUESTING PROOF THAT YOU CLAIM THAT I WAS LATE CAUSE I MAKE SURE THAT I ALWAYS MAKE PAYMENTS ON TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get Bill consolidation from the lawyers that brought the case from XXXX XXXX XXXX but kept giving false documents and different deficiency balance. It is showing up on my credit report as XXXX XXXX XXXX balance is not XXXX its XXXX is what I was told by the lawyers that brought the debt XXXX XXXX XXXX! I have false documents and a fake warrant that they created from XXXX when the car was repossessed in XXXX!
Product: Debt collection

I had a membership with XXXX XXXX but I was never under contract. In the summer of 2023 I changed bank accounts. They tried to auto withdraw and of course it didnt go through. I was trying to get all of my accounts transferred to that bank and missed my gym membership. Once I called it was a month or two later and they were trying to charge me for those months and I told them no Im not paying for the months that I wasnt even able to use the membership. If you dont pay you can not gain entry. So I never used the service for those couple of months. I asked to then cancel and they said after I pay the amount owed.
Product: Credit reporting or other personal consumer reports

They agreed to cancel the loan because my daughter passed XX/XX/year>. She only attended school for a month DEPT OF ED Installment with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$12000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
15 U.S. CXXXXe XXXX ( XXXX ) 15 U.S. CXXXXe XXXX XXXX XXXX XXXX
Product: Checking or savings account

The US Bank at XXXX XXXX XXXX in XXXX XXXX, CA XXXX flagged my stimulus check because we are XXXX XXXX XXXX. They froze my account, and when I came to inquire, they said they closed my account since the deposit also had my wifes name on it. I brought my wife, marriage certificate, and tax returns to the bank, but the Vice President of the bank, XXXX XXXX refused to keep my account open so my tax return could be deposited because she was upset about our demand for our marital monies. I feel discriminated against, and she made it a point to say she closed the account because she was upset. She also said they dont recognize XXXX  XXXX marriages in their algorithms. This discriminatory process coupled with Ms XXXX bigotry and pettiness has put my family in a financial bind, unable to access my stimulus or tax returns, during XXXX XXXX  month, and to an essential healthcare worker during a pandemic.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/year>
Product: Mortgage

I AM XXXX YR. OLD WIDOW, HAD A MORTGAGE W/XXXX XXXX, I TRIED FOR TWO YEARS NOW TO SETTLE THIS AND THEY WILL NOT WORK W/ME I HAVE HIRED LAWYERS, & IT HAS BEEN COSTLY XXXX SOLD THIS MORTG. TO SLS, AND STILL CAN NOT SETTLE, THEY HAVE JUST PUT MY HOME IN FORECLOSURE, AND I CAN NOT AFFORD TO LOOSE MY HOME AT THIS POINT IN MY LIFE. 
PLEASE HELP ME.