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

EXPERIAN IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT THAT IS NOT ACCURATE, THEY STATED THAT THEY RECEIVED THE INFORMATION FROM XXXX XXXX. I HAVE A STATEMENT FROM XXXX XXXX STATING THAT XXXX XXXX REMOVED THE BANKRUPTCY AND EXPERIAN NEEDS TO DO THE SAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

This morning, I was completely blindsided to see incorrect accounts listed on my credit report, with no idea how they got there. My routine credit check revealed these unexpected discrepancies, and refreshing the page didnt helpthe inaccurate information was still there. Given the situation, Im asking that the documents I sent be reviewed carefully, so I can feel secure and not worry about this happening again.
Product: Debt collection

Sworn Statement Regarding Debt Collection by State Recovery Systems I, XXXX XXXX, state the following : State Recovery Systems has been trying to collect a debt on a credit card account originally with XXXX XXXX XXXX XXXX. This account was opened due to identity theft. They wrongfully placed a collection on my credit report, even after speaking with me and confirming that I am not the owner of the account and had no knowledge of it. I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which offers protection to victims of identity theft, and Section 623, which outlines the duties of those who furnish information to credit reporting agencies. 

Additionally, I have never signed any contracts or conducted any business with this debt collector, so they have no legitimate reason to possess or use my personal information. 

I am requesting that this incorrect and damaging collection be removed from my credit report immediately. 

I swear under penalty of perjury that the information provided in this statement is true and accurate to the best of my knowledge.
Product: Vehicle loan or lease

I give authorization for Ally to move forward with this complaint. I bought a car and received a loan from Ally on XXXX of XX/XX/XXXX. On XX/XX/XXXX, 2021asserted my rights as a FEDERALLY PROTECTED CONSUMER. 
I sent Ally a NOTICE OF BILLING ERROR in the amount of {$7600.00} requesting all documentary evidence of the accounting since the inception of the promissory note/retail installment contract. As a result of this notice of billing error and a negotiable instrument that was sent in, ALLY restricted my account demanding that I pay certified funds for 6 months in order to pay the loan, and preventing online and phone in payments. This is causing extreme stress and undue hardship at this time, in addition to be illegal adverse action under a notice of billing error.
Product: Credit card

On XX/XX/XXXX, concerning account ending # XXXX, XXXX sent an email saying they were reviewing my account and that they could reduce my credit limit if I did not make a {$XXXX} payment by XX/XX/XXXX. I called XXXX  on the XXXX, the same day I received the email, and the representative said that my credit line was being reviewed and a decision would not be made until XX/XX/XXXX. I immediately made a {$XXXX} payment. 

On XX/XX/XXXX, I called XXXX and learned from the representative that on XX/XX/XXXX, XXXX days after I had spoken with an XXXX  XXXX that my credit limit on this account had been reduced from {$XXXX} to {$XXXX}. In addition, the customer service representative I spoke with on the XXXX said a further reduction could be made in my credit limit if I did not pay {$XXXX}. He did not specify when. He did not reduce the amount requested by the {$XXXX} payment, though he acknowledged that XXXX received the payment. 

The XXXX Representative provided XXXX reason for the reduction in credit limit : FICO score. I did not authorize XXXX  to pull my credit. My credit has been frozen since the XXXX debacle. My FICO scores have not changed significantly in the last XXXX years ; most recently, they have improved.
Product: Debt collection

On XXXX XXXX XXXX I called the Transworld Systems Inc. to ask them to send me a statement that shows that I pay them XXXX XXXX a month. So when I called to check to see if they had mailed it, they told me that they mailed it out on the XXXX XXXX XXXX. So I waited a few days and called back, then they told me that they mailed it out on the XXXX and it would take 15 days for me to get it. I asked why does it take 15 days, they gave me a poor reason. They said that the department that takes cares takes a little time. I asked why they couldn't just email it to me, they said they couldn't do that because of personal information. I told them that I really needed the information for business reason, even let them talk with the company that I need the information for. It is now XX/XX/XXXX, and I don't have that letter yet. It is well over 15 days. This company for years have told me that they won't send me anything that shows I am paying them. They keep telling me to use my bank statements as proof. I think every company should be able to provide paper statements or email about where my money is going.
Product: Bank account or service

Where to start, I had mixed a debit card up with an employee at my office. She needed to get starter checks on her account for personal reasons. She took my card to Chase bank located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. She went to the teller and asked for starter checks. The teller asked for her PIN number, and she put in her PIN number. This was obviously not correct as she had my card. They then proceeded to ask her for her drivers license. She gave that to them and they then withdrew roughly {$40.00} from my account and issued her starter checks with my information. She then left the bank and walked outside, that is when she caught the mistake. She then called me to let me know we had switched cards and the situation. She went back in and gave them the checks and they did the transaction on her account. I would like to know how an employee of a financial institution can ask for a drivers license to check the identity of someone and still not verify that is the account holder. The most painful thing to me is that after this big mix up, the employee who went in with my card was given my card back upon exiting the location!
Product: Credit reporting or other personal consumer reports

My report shows billing errors with late payments that arent accurate. Kindly make corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of a data breach from XXXX XXXX XXXX on XX/XX/XXXX and received a letter notifying me in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, INC. ) due to an etiquette, customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Due to Covid19, My wife and I have nothing but hardship in the last 6 to 9 months. 

Select Portfolio Servicing is unwilling to do a home modification. 
They have increased my Forberence by {$1000.00} per month on top of my standard payment. ( {$1600.00} PM, + {$1000.00} more for a total of {$2600.00} XXXX They have also added extra Fees ( {$450.00} XXXX to the loan. 
Total reinstatement {$13000.00} We can not afford this! We don't have the funds saved to payback over XXXX in payments. 

My wife and I over the course of the last 6 to 9 months have been temporary and permanently laid off from work with and without unemployment. Hrs. have been reduced due to the State of Georgia and US Federal Covid19 guideline.

The loan is a XXXX XXXX, Why do we not qualify for a Loan Mod? 
We are at 4.25 % and should qualify for a reduced 2.25 % Select Portfolio Servicing Inc. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Relationship Manager : XXXX XXXX XXXX Ext. XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal owes me money. Ive resolved the matter with them and spoke to multiple supervisors regarding how I was a victim of identity theft by providing all types of proof to them. Unfortunately, now they are going back on their word. I would like to get all my money back so I can close the account which isnt mine. Ive submitted all types of documents which they finally agreed to, but now, they are going back on their word without any explanation. Give me my money back!
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - I was waiting for a new credit card to arrive in the mail, but I checked my account and there was already a charge on the credit card for {$640.00} from a XXXX   I immediately contacted Chase and they said that they would cancel the card and " take care of it ''. 

XX/XX/XXXX - the charge returned onto my credit card bill with a letter stating that I " received benefit from this transaction ''. I tried disputing again, but no response from Chase. 

XX/XX/XXXX - I filed a police report ; no response from Chase. 

After attempting to dispute multiple times, each ending in a letter stating that the transaction is valid with no explanation, I received a call from Chase. The person on the line told me that this transaction was deemed valid because I had apparently activated the credit card from my home phone number. This was impossible because I did not even receive the card in the mail. I contacted the legal department at my phone company, XXXX, and requested a call log for the month of XXXX. According to the call log, I had not placed any such call. I sent the evidence to Chase. 

XX/XX/XXXX - Another letter stating that the transaction is valid, without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Experian, Boost Complaint Consumer : XXXX XXXX XXXX XX/XX/XXXX I have had a free account with Experian for more than a year in order to boost my credit score. My initial bank was XXXX Bank and the Experian, Boost product worked over a year to increase my score approximately 56 points. In the past few months I changed my banking to XXXX XXXX Credit Union. 

Although, I was able to enter my new credit union into their Boost app., Boost has never found any of my paid bills. This has caused my credit score to drop 51 points. 

I first contacted Experian via phone on XX/XX/XXXX at XXXX. I spoke with agent XXXX. She did not understand that I was unable to first get my account entered. I eventually requested a supervisor. She said there was no one to send me to and that I should email, XXXX, to communicate with a supervisor. 

I sent a email the same day, XX/XX/XXXX XXXX, explaining my complaint. I received a form letter for this question and every follow-up email they sent me in response. Their response was to tell me to send Experian my 3 months worth of bills. I attached them as pdfs in an email explaning of the bills. 

Since sending my bills in on XX/XX/XXXX, they have not responded in any form. There has been no change in my account being boosted and accurate. They did not manually add any of the bills I sent in so that my score would be accurate.
Product: Consumer Loan

I borrowed {$5000.00} from Springleaf Financial for 4 years at 25 % interest to reestablish credit. They are now showing my balance not the statements and my credit report to be {$9300.00}. I called to get an explanation and they claim that that will be the total that I pay should I pay it off in the time allotted. I explained that their reporting is incorrect, they should only be reporting the amount borrowed. I called to get copies of my contract on XXXX separate occasions and they still have n't sent those to me. You are only granted access to your loan documents online for XXXX days, after that you are locked out. They claim I signed something agreeing to my balance being over $ XXXX rather than the $ XXXX borrowed, I was never asked that question, why would I agree to that? When I took out the loan, the rep reviewed the paperwork on her computer screen and just ran thru the documents quickly, she later brought out copies to be signed and told me they were identical to what she had gone over on the screen. She also told me that the loan came with credit life, unemployment and XXXX insurance as part of the loan. It was presented as mandatory, turns out I 'm paying a fee for that as well,
Product: Credit reporting or other personal consumer reports

I got a hard inquiry stating that a credit card and an account for XXXX  XXXX was opened in my name. I spent a few hours with customer support to gain access to this account. When I logged in, I saw which phone numbers were used to create the account with my information. The numbers are : ( XXXX ) XXXX and ( XXXX ) XXXX I already did a reverse lookup to see who this is and have no idea who the person is. Also what is strange is that they had the credit card ship out to my real address rather than their address. This is a very strange situation that I have never been in before but now I know that someone has my personal information including my social security number. I would have never noticed this even happened because on the account they used XXXX of my old emails, my information and my address. The only thing they put of their own was their phone numbers. I dont use that email much anymore so I didnt see the email of them creating the account. The only reason I noticed is because transunion, XXXX and XXXX notified me of a hard inquiry on my account so I looked into it.
Product: Checking or savings account

Hi, so this all began on XX/XX/2021, at XXXX am there was a charge for {$370.00} from a company claiming to be my insurance company. However my insurance company received their payment on XX/XX/2021 and only document taking one payment. I can tell it was a different company because the lettering was off from the actual company. I had filed for a transaction dispute on XX/XX/2021. After Contacting the company various times to follow up the dispute and help the case with any info I had or to even talk to a case manager. I was left blind for the process when I have obvious proof that its an unauthorized charge. I submitted pictures to them on their app but they appear to have not have used them to investigate the unauthorized charge at all. About 2 weeks later as this bank has a 10 business day policy regarding claims, the case was closed and I wasnt refunded the money that wasnt even authorized to leave the account in the first place.
Product: Mortgage

In XXXX our now bankrupt lender XXXX paid our escrow shortgage and foreclosed, which we modified with them. In XXXX chase assumed the loan when our lender seized operations, Chase immediately started sending our modification payments back & restarted a foreclose. The primary borrower filed a chapter XXXX to stop a sheriff sale. Which we then agreed to try to sell the home to buy time which Chase then agreed in XXXX to modify our loan. Our issue now is the loan fell off both mine and the primary borrowers credit due to the 7 year delinquent payment rule. In XXXX of XXXX chase decided to re list the mortgage on my credit only which shows a balance higher then I owe and showing the last payment received as of XXXX. my issue is I disputed this asking that Chase report the correct balance and the last 18 months payment history, in my now fifth dispute it has not changed Chase stating the information is correct well today Chase told me in a letter it is up to the credit reporting agencies on what they surpress and they ( Chase XXXX has done all they can do to report it due to BK protection laws and that they can not report any information on the loan once a borrower files a chapter XXXX. This is my issue if they can " not '' report due to the chapter XXXX filing then how can they put a 7 year old debt back on my credit and report a single payment for one month in XXXX then record a higher balance and add XXXX payments past due " IF '' they can not update info once XXXX of the borrowers files in my case the primary borrower filed a chapter XXXX in XXXX thus, Chase just reported incorrect info 6 years after the BK and refuses to remove the incorrect info or the debt that went late and stayed late since XXXX till modified in XXXX. I need help understanding how they can say we can not report your good payments under the modification nor can we report the correct balance you owe due to the XXXX chapter XXXX but we will report the loan as modified a high balance then you owe and one months payment so the 7 year clock starts again and this ends up on your credit for another 7 years since we report it as an open account. this seems like a bit of a double standard what they are doing. So again I ask for help understanding the protection laws for myself, if they can not report my good account then why can they update a bad account after one files chapter XXXX. Thank you in advance for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian on several occasion regarding the incorrect information on the credit profile they hold under my name and social security number. The first dispute was sent to Experian on XX/XX/XXXX to remove incorrect information from my report. The company claimed to not have been able to identify me. The second dispute was sent out XX/XX/XXXX. The company failed to remove incorrect information including personal information and accounts. The most recent dispute was opened XX/XX/XXXX. Experian again failed to remove these damaging inaccuracies. Due to the inaccurate reporting I have not been able to receive funding, lease a home or car.