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

I have filed numerous complaints with EXPERIAN regarding XXXX, XXXX, and XXXX. I am now working with XXXX and XXXX to FINALLY remove the unauthorized accounts and information that has remained on my credit report since XX/XX/XXXX. Experian has refused to conduct a re-investigation and constantly responds with pre-drafted scripts indicating they are not authorized to reinvestigate. Experian then indicates that unless additional information is furnished they will not reinvestigate, however never indicating what documents are requested. I have successfully provided all legal information to both creditors and they are both actively looking to resolve this issue, however, Experian has yet to reinvestigate these tradelines and remove the inaccurate information. Their unwillingness to do their job regardless of how repetitive it may seem is the reason creditors abuse customers because they are aware that the credit reporting agencies fail to thoroughly investigate complaints. Simply asking a creditor if the account is valid is not deemed an investigation. In the case of XXXX, please have them provide you with any documentation with my physical signature. They can not furnish such a thing, because this account was opened online by a person who abused the power of attorney afforded to them while I was XXXX. XXXX is in possession of actual proof of XXXX status, along with legal documents from the responsible individual. What additional documentation will it take for EXPERIAN to actually do their job? Look at XXXX, who in XXXX of XXXX blocked my access to their site, and then proceeded to report me late for all accounts associated with them, yet every other month for years is PERFECT. Does that not seem odd? Yet, Experian has failed at accurately identifying these trends and the reason for it and allow companies to get away with this. How can I be responsible for charges I am unaware of? Prove to me the company made contact with me and informed me of these charges, you can't because they didn't. Why would I ignore two specific months and then resume with perfect payments? This is why investigative work is critical and should be taken seriously, I am in a very serious profession for the Federal Government. I will never as a professional, not do my due diligence and then refuse to reinvestigate when results are proven inaccurate and unexplained. Please furnish what information was obtained from all three creditors to validate these inaccurate listings, that clearly Experian has failed to actually investigate. Please inform me what additional proof is needed instead of requesting additional information. I will wait for a response, and if none is received I will be obtaining a lawyer to begin taking legal action as this has dragged on for far too long.
Product: Credit reporting

Experian is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as Deptednelnet are currently reporting inaccurate information XXXX, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
Deptednelnet are currently reporting inaccurate information XXXX, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 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 under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to mandate the removal of incorrect accounts from my credit report. Could you verify the documents? There are inaccuracies in some of the accounts, including incorrect amounts and dates.
Product: Checking or savings account

In XX/XX/XXXX my ex spouse requested to take her name off of a joint account ending in XXXX at the Chase branch in XXXX MI. The Chase branch manager said that by her doing this it would remove her access to my account. I was the primary holder. In XX/XX/XXXX I  was alerted to an approved electronic funds transfer being allowed out of my account to pay a Chase card ending in XXXX. I immediately alerted the Branch management team and they indicated that somehow my wife was still being allowed access through her own online portal to that account. I filed a claim for XXXX dollars the total amount of transactions Chase allowed from Ex spouse to transfer from the account to Pay her " Chase Credit Card ending in XXXX. I spoke with multiple resolution specialist who all agreed that I should be reimbursed as it was Chase error that they failed to shut down her online access to the account ending in XXXX that she was removed from in XX/XX/XXXX. After multiple attempts I was furthered directed to a person by the name of XXXX from Chase executive team who assured me on XX/XX/XXXX should would refer my matter to her legal team for review and final decision this was on an a recorded line. She called today and XX/XX/XXXX and indicated that even though Chase messed up they were treating as a fraud case and not an Chase error. And even though the Chase Electronic Funds Money movement team did transfer my funds to pay my exs spouse Chase card ending in XXXX She could had stolen my info anyway and paid it, so and I quote, " it was my responsibility to catch it! '' Are you kidding me!! If Chase didn't allow the online access to a customer who voluntary removed themselves from the account ending in XXXX the funds to transfer would have never of happened this is not fraud, this is negligence and So how is it my responsibility to make sure Chase as a banking institution in not allowing their customers who are not on an account to transfer funds from my account after they ( Chase ) initially told me taking the person off of my account would shut down the access to pay their credit cards in another person name!! It's pretty Ironic how they were ok with their own negligence because the authorized funds transferred they moved were to pay a Chase credit card. This is not Fraud its completely unacceptable and they need to step up and correct the error they allowed. I also have pictures of my ex 's portal with Chase still allowing her access to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was stolen with my personal information in it. I recently have had so many inquiries on my report and XXXX and equifax have failed to assist me ugh getting this fraudulent activity removed. I have emailed multiple letters, I have called and still have received no help
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX - XXXX - {$75000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX 2022, I woke up to a credit alert that my personal loan with PNC was 30 days past due. My loan payment is {$1000.00}, due every month on the XXXX of the month. I called the customer service line and was advised that there was still a unpaid partial balance from the XX/XX/XXXX date. However, I paid the amounts listed on the statement. The statement generated on XX/XX/2022 indicated that XXXX was due on XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX, and on XX/XX/XXXX, I paid {$1000.00}. On XX/XX/XXXX, I paid XXXX. XX/XX/XXXX 's balance was satisfied by XX/XX/XXXX. And XX/XX/XXXX 's balance was satisfied on XX/XX/XXXX. I was late, but at no point have I been 30 days late according to the statement.
Product: Mortgage

I received an email an email on XX/XX/XXXX telling me that my forbearance, which was under the CARES act, was ending soon ( XXXX ) and I needed to request the extension as soon as possible if I needed it. I was told I could request this through XXXX I attempted this, and they said they can not process that request. I also emailed you directly and never received a reply. I was asking for the additional 6 months as specified in the CARES act and also as mentioned in the letter you have sent me during my last CFPB complaint. 

I sent a letter with tracking to you on which was received by you on XX/XX/XXXX also requesting this extension. 

I then called on XX/XX/XXXX to confirm you had received the letter. I was told by the representative you have, and the request will finish processing XX/XX/XXXX. I called on XX/XX/XXXX, and was told you did not receive my request and the forbearance was ending XX/XX/XXXX. I was also told you refuse to extend an additional 6 months in accordance with the CARES act, and would only look into extending it 3 months at a time. 

I have also previously called to inquire what you will need from me as far as income requirements and other questions when I do eventually restructure the loan to bring it current, and no one is able to give answers to the questions. I do not understand how you expect me to eventually bring this loan current if you can not tell me what will be required of me at the time. 

In short, I want you to extend the forbearance the additional 6 months in accordance with the CARES act and also give me the contact information for someone who is knowledgeable in the restructure process for the mortgage at the end of the forbearance so I can ensure I am prepared for it. I was told the options at the end of the forbearance are restructuring or a partial claim to bring the mortgage current. 

This is my second complaint with CFPB largely due to your unresponsiveness and inability to follow up or answer questions at all and/or in a timely manner ( generally 4+ weeks ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending at least 3 or more letters to this credit bureau. I have send Equifax several letters regarding inquires that were not appointed by me. Regarding the following companies : ( 1 ) .-XXXX XXXX-XX/XX/2018 ( 2 ) .-XXXX XXXX-XX/XX/2018 - ( 3 ) CXXXX XXXX-XX/XX/2018. The last letter send certified with tracking number XXXX   XXXX XXXX XXXX XXXX in which was received on XX/XX/2018 by Equifax and they have ignored my letter. These inquires were not appointed by me. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please note that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these companies bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Product: Debt collection

XXXX sent a cell phone my address in a name similar to mine, but not mine. I did not order this phone. I took the phone to their corporate office in XXXX, Oregon. They would not accept. They insisted I file a police report. I tried to file report but police said I had no loss and couldnt file a report. XXXX was informed of this but would not take phone. Instead they hacked my credit report and listed {$1300.00} past due amount going to collections. I am not sure how they got my correct name, but it is different than the one on their account. They changed the name to match mine. I still have the unopened phone but can not get anyone at XXXX to fix this. They will not respond to my inquires. I did not order this phone. I have signed no contracts and never have done business with XXXX.
Product: Debt collection

Received notice of amount owed to XXXX credit card from 2015 that I did not have. I was given a reference number and the four last numbers of credit card and name of collection company and outstanding balance owed. I called the collection company and asked for more information, to which I have not received. The amount asked for is {$4700.00}. The credit card is XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC bank failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months. 
I again called and spent 2 hours trying to resolve my issue. 
After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that PNC IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that XXXX XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan XXXX XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with PNC Bank I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/24 Called PNC - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main PNC bank number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I was told that Equifax needed information. 

I sent verification of address which I resent this what letter Equifax sent to me. 

I also sent my ssn.
Product: Money transfer, virtual currency, or money service

Ive sent a {$46000.00} wire from my GDAX account to my bank account the day before XX/XX/XXXX. It was supposed to be processed by the XX/XX/XXXX. It still hasnt came in and Coinbases support is nonexistent. Ive sent wires after this one because of my accounts limits. Those wires have went through.
Product: Credit card or prepaid card

CCB/XXXX is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections. 

( CCB/XXXX XXXX )
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC
1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Consumer Loan

XXXX XXXX -- -- XXXX XXXX XXXX XXXXI AM PAYMENT FOR XXXX XXXX AS PROVE AS SANTANDER CONSUMER USA/AUTO LOAN LAST XX/XX/XXXX SINCE XX/XX/XXXXOR XXXX AS COPY XXXX XXXX PLEASE SEND ME MY ADDRESS IS XXXX NC XXXX CUZ I WILL BE SUIT MY EX HUSBAND ..SO I ALREADY DIVORCE NEVER PAY AS HALF SO I WILL PAY FOR {$52.00} MONTHLY ANYWAY LET U KNOW THAT ALL SMILE .. LET ME KNOW CALL ME XXXX AS QUICKLY THANK U XXXX XXXX XXXX
Product: Mortgage

My mortgage years run from XX/XX/XXXX through XX/XX/XXXX, and this complaint is regarding the current mortgage year and the start of the next. The mortgage company ( Fulton Bank ) paid a year 's worth of homeowners insurance from my escrow account twice ( two payments within 9 days, XX/XX/XXXX to XXXX XXXX and XX/XX/XXXX to Homesite ; a total of approximately {$6000.00} ). Note : I initiated the change in my homeowners insurer on XX/XX/XXXX, and I was informed via email on this date that the changes were documented by the broker and communicated to the mortgage company. Mortgage company advised that they are required by law to pay whatever insurance companies ask to be paid, and my broker ( XXXX, who sold me the previous policy underwritten by XXXX XXXX and the new policy underwritten by XXXX  ) demanded payment for the renewal ( XXXX XXXX ) policy earlier than what is typical or usual ( i.e., on or prior to XX/XX/XXXX because payment was made on XX/XX/XXXX for approximately ~ {$3600.00} ; the payment was due at the end of XXXX of XXXX, when the next mortgage year begins ). Mortgage company says I should take the issue up with XXXX and the new and old underwriters. Mortgage company was asked by me if they have any kind of monitoring of escrow accounts ( they said they have to do research on my account ), what happens when escrow accounts are in the negative ( they said nothing ), how a negative balance on my escrow accounts affects the algorithm used in their annual escrow analysis ( they said it could effectively negatively affect my annual escrow analysis ), and when the annual escrow analysis occurs ( they said roughly the same time every year, so possibly late XXXX is when I would be notified of the outcome ). My primary concern is it doesn't seem like anyone is monitoring my escrow account other than me, but I am obligated to use this escrow account to pay my taxes and property insurance. My other concern is that my escrow analysis will be negative and result in me being forced to pay a higher monthly mortgage payment for the next mortgage year. For example, last year, the mortgage company did not let me choose to pay the projected shortage ( less than XXXX dollars ) and instead decided I would pay in monthly payments over the mortgage year instead to make up the shortage, so my payment went up. This current mortgage year, I thought I was doing the right thing by paying extra into my escrow account to ensure there was no escrow shortage for subsequent insurance and tax payments. But instead, I'm have a negative balance. I pulled money out of my meager savings account to put into the mortgage escrow account in hopes that this will positively influence the next annual escrow analysis. Now XXXX and XXXX are also saying they have not received payment for the new insurance policy, so I basically don't know where ~ {$6000.00} of my money is.
Product: Debt collection

Fair credit reporting act 15 usc 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account is inaccurate in many ways. I have previously reached out to LVNV FUNDING and the are in violation of law 15 U.S.C. 1692g ( b ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1692e ( 2a ) ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt.