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

My personal data, including name, date of birth, full social security number, driver 's license number and address were not held securely by Equifax, and now is in the hands of foreign governments or criminal hackers.
Product: Credit card or prepaid card

I was scammed by XXXX when I ordered a sample of their product ; instead they charged my account {$87.00}. I called Chase right away and told them it was fraud, explained I ordered a sample and was only to be charged a small mailing fee. They canceled my card and sent me a new one ; however, they re-charged my account {$87.00}. When I called them again to explain this is fraud as I didn't order anything except a sample and shouldn't be charged, they would not assist me. They will not reverse this charge. When I called Chase I also called XXXX  and canceled any account they say I might have ; when I called them today, they said " you lost, good luck '' I feel scammed twice over ; once by XXXX and then by Chase. I do have a letter from Chase dated XX/XX/18 charging me again for the {$87.00}. I also still have the box the XXXX came in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all inaccurate information on my credit report with experian. please review an remove the invalid data asap. my file is incorrect all this data has been hindering my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED is currently in violation of many of my FCRA & FDCPA rights!

they are currently reporting inaccuracies to my consumer credit report ruining my reputation to have access to credit. The are reporting a violated account with many inaccuracies & violations pass the statue of 7 years which is also a violation. I will proceed with legal action
Product: Debt collection

RE : Acct. # XXXX After reviewing my XXXX  credit report I noticed a fraudulent account being reported by XXXX XXXX XXXX XXXX XXXX . I contacted them to dispute this account and provide me with contractual evidence that this account belonged to me. After answering several questions it was determined by the agent the account was fraudulent. I was told that the account would be removed from my credit reports. This account is still reporting on my credit report and adversely affecting my credit profile. I am requesting this account be deleted immediately.
Product: Debt collection

Portfolio Recovery Associates has not sent me any correspondence about this alleged debt of {$1200.00}. I only learned about this alleged debt from viewing my most recent credit reports. 
This company, Portfolio Recovery Associates has reported this unverifed debt to all three of the major credit reporting agencies, XXXX, XXXX, and XXXX. I sent Portfolio Recovery Associates a letter, which they rec'vd XX/XX/XXXX, requesting that they validate this alleged debt and send to me the following information. Name and address of original creditor, original date of alleged debt, a detailed account history, and most important proof that they have the legal right to collect said debt, including the purchase agreement between Portfolio Recovery Associates and the alleged original creditor.
Product: Credit card or prepaid card

This is a complaint against American Express company regard {$200.00} credited on my statement on XX/XX/XXXX, and then reversed the same amount a month later on XX/XX/XXXX. I opened my American Express Gold Premium Rewards on XX/XX/XXXX, with no fee to pay for the first year. The renewal arrived on XX/XX/XXXX. 

Here what happened : On XX/XX/XXXX, American Express credited my card with {$200.00}. The item on my statement says it was for " product anniversary. '' Not sure what product anniversary means, I contacted American Express customer service to ask why they credited {$200.00} on my account. I thought it was fair to check that it was not a mistake from them before going and spend the money. 

I used the customer service chat system on American Express website, and I chatted with a representative, who confirmed that the {$200.00} were a " product anniversary. '' So, that money is for me after all. 

I interpreted this {$200.00} as a comp of the comings annual fee for the second year. Some marketing strategy to keep me on board for one more year. In fact, a month later, on XX/XX/XXXX, the yearly renewal membership fee of {$190.00} is charged. 

I need to add that during XX/XX/XXXX, I was still considering if keep my American Express for the second year or to leave it. Obviously, receiving the {$200.00} made up my mind, and I kept my AmEx for one more year since the annual renewal membership fee was waived by the {$200.00}. 

Unfortunately, on XX/XX/XXXX, American Express decided to reverse the {$200.00}, showing this in my statement : " statement credit reversal. '' I immediately contacted the customer service through the chat system. I got just confusing information about an alleged mistake when they credited the {$200.00}, which is in contrast with what the first representative, a month before, told me when I tried to understand why I was receiving the {$200.00} in the first place. 

Not satisfied with the chat representative, a few days later I called American Express call center to have better information regarding the credit reversal. This time the representative after having heard my story concluded that I would have received the {$200.00} back, and apologized. 

Weeks went on, and I didn't see any {$200.00} back in my statement. During XX/XX/XXXX I called American Express again. This time the representative transfer the call to his advisor. He made clear, and sometime during the conversation, in rude and aggressive tone, that I was not going to receive the {$200.00} back. 

In conclusion, I think that the situation seems to be almost fraudulent. I receive a bonus of {$200.00} from American Express, a month before my renewal deadline. 
Because of that, I decide to renew for the second year paying {$190.00}, using the {$200.00} they gave me. 
And just a few days after the renewal they take the {$200.00} back, claiming that was a simple mistake. 

Something is wrong.
Product: Student loan

I submitted a SAVE application on XX/XX/23. As of today, XX/XX/23, it still has not been processed. In this time, they have placed me on two different types of forbearance, but did not do so for about seven weeks, although they were supposed to place me on an administrative forbearance as soon as they received my SAVE application. My current forbearance is set to end in XX/XX/23, and my payment amount has not been lowered as they have not processed my SAVE application. 

I have sent them three secure messages through their messaging portal. The first was sent on XX/XX/23 and asked why I had not yet been placed on an administrative forbearance. I received a " we'll be responding to your message as quickly as possible '' message on XX/XX/23. On XX/XX/23, I received a message telling me that I had been placed on a forbearance, which I was already aware of. In fact, by this time I had been placed on both an ecological disaster forbearance AND an administrative forbearance. 

My second message was sent on XX/XX/23. This was after I had been placed on an ecological disaster forbearance, which was set to expire in mid-November. I asked why I had not been placed on an administrative forbearance. I still have not received an answer to this question, though I have since been placed on an administrative forbearance ( though that is set to expire on XX/XX/23, which as of this complaint is in 19 days ). 

My last message was sent on XX/XX/23, and asked why my SAVE application had not been processed. I have not received a response. 

Throughout this time, my due date and interest amount kept changing. Until the last week, my loan was still accruing interest, even though it should not been. ( They did wipe the accrued interest. ) I have attempted to call MOHELA, but unsurprisingly, I have been unable to get to a representative. I work full time, and I can not just sit on hold for the eight hours it would likely take to get someone on the line. 

I just want my SAVE application to be processed so that I can start planning for my student loan repayment. The federal student loan website says that it typically takes 30 days to process a SAVE application, and as of today it's been about 72 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not properly investigate my XXXX account on my credit profile. This is not my account and I have never had an account with them. 

Transunion did not properly investigate my XXXX account. It saying I was late. I was never late. 

Transunion did not properly investigate my XXXX Account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX XXXX account. Its is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX XXXX  account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my Dept ed/XXXX account. it is closed and still showing on my credit report with duplicate account Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX  account. Its is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX. account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report duplicate. 

Transunion did not properly investigate my XXXX XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my Chapter XXXX account. This is not my account I never had a Chapter XXXX account. 





Transunion did not properly investigate my XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I been trying to solve this problem for some time with your agency and the corporations you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I attached the credit report for account XXXX to show the discrepancy in payment history reporting to the credit reporting agencies. How can each bureau report different payment history for the same account? I am a litigious consumer meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. These items should be deleted immediately per FCRA guidelines XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX was part of a XX/XX/2012 case against XXXX that found systemic auto loan discrimination. The case XXXX v. XXXX found that XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant XXXX % interest rate. XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.
Product: Student loan

As said, I was set up on a XXXX month payment plan. Initial person was great, my bank card expired XXXX months in so I called back to speak with XXXX who set it up. Called back in a timely fashion the first week of XXXX to give the new bank card information, she was not available. So spoke with someone else at that office and went through the XXXX minute process and verified everything after doing a phone signature and was told its all set up. Now they are harassing me calling from XXXX different area codes across the US. I'm in the hospital and finally spoke to someone and was told the payment 's are invalid and I need to pay now to keep the account current. If I went through that process and everything was verified why 'Invalid ' I'm now in contact with 'Legal Aide '
Product: Credit reporting or other personal consumer reports

I went to purchase a vehicle and I noticed inquiry that are fraudulent on my Consumer Report. I have not applied for credit or entered into any contractual agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during the time periods indicated by the inquiries. As these inquiries were conducted without proper authorization, I kindly request their immediate removal from my credit report to prevent any negative impact on my creditworthiness.
Product: Credit reporting

I am a victim of true name identity theft and I periodically check my credit bureau reports for activity and to dispute items on my reports. I have had issues with Transunion in obtaining my credit reports and each time I try to access my reports online, I get an error stating that " Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. '' Its the same information that I have provided time after time and I continue to get the same error and when I call the number they want me to send this laundry list of items to get my report. 

Additionally, when I am able to get my report, Transunion does not complete a full investigation and continuously labels my disputes as verified and when i contact the information providers they state that they never received any dispute information. In one situation, I disputed an old bankruptcy and it came back verified and would not be removed yet when I contacted the clerk of the court, they had no record of anyone contacting their office from any credit reporting agency. My social security information on my petition was redacted and when I brought this to the clerk of the courts attention, I was told that they do not give information to any third party including personal information. I believe they are obtaining information unlawfully as well.
Product: Payday loan, title loan, or personal loan

I took out a loan with this company XX/XX/2022. For {$4000.00}. I have been making payments, but have run into financial difficulties. I have received funds to be able to pay the loan off in advance of the full term, and called for my payoff. As of today, the balance is {$4400.00}. Although I have been making payments, the payoff is higher than the principal amount of the loan taken out 10 months ago. I understand that due to poor credit, I have a higher rate, but this is gouging. I asked them if they would settle for a lower balance and was told noand that is what have to pay. I will be paying off this loan well in advance of the final loan term, but will still be paying more than the original principal borrowed
Product: Credit card

I withdrew authorization for use of a business credit card in XXXX XXXX, 2016. I notified the bank card company and provided proof that authorization had been withdrawn this notification was XXXX XXXX, 2016 the bank ( Bank of America ) has not stopped the company from billing the card in spite of the formal complaint that has been lodged. I have been charged an additional 2 months. I have filed a complaint against the company as well for using the credit card without authorization. I am seeking immediate relief of these charges and the company stop billing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. These consumers reporting agencies are taking a advantage of me.

15 U.S. Code 1681a ( b ) 2 Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : ( b ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

According to the Truth in Lending 15 USC 1602, That's any card plate or coupon book existing for the purpose of obtaining money, property, labor, or services on credit.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

These agencies are violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working on a mortgage loan. Account balances have to be paid to adjust debt to income ratios or affect credit scores and rapid repulls be done on reports. I was asked to pay off my synchrony credit card. It was paid yesterday. I have a confirmation email showing it was paid, and synchrony is refusing to fax me a pay-off letter or update my credit report to reflect accurate information. They are holding up my mortgage loan. This is illegal. Im going to lose the property I chose as is my right.
Product: Credit card

Kindly review the attached documents. I want the bureau to commence an investigation into these accounts, as I am never tardy, but they are erroneously reporting me as such.
Product: Checking or savings account

On XX/XX/2018, the NC department of revenue ( NCDOR ) placed a hold on my account. I contacted the NCDOR and they sent a fax over on XX/XX/2018 to have the hold removed. On XX/XX/2018, Bank of America charged my account {$120.00} & {$6.00} for a " legal fee. '' I have never been advised of any legal fees or any in charges regarding legal fees from Bank of America. I contacted Bank of America and spoke with a representative who advised it was valid charge even though I had NEVER been advised of such fees. I requested a refund of this charge and they refused. What if they wanted to charge me {$1000.00}? As a consumer, I have the right to know what fees may be incurred in specific situations and I never have been provided this information. I believe this is a way for Bank of America to take advantage of consumers in difficult situations. I am requesting that Bank of America refund me the so called " Legal Fees, '' and provide consumers with this information in the future.
Product: Mortgage

I had a mortgage with wells fargo and tried to do a modification. The required me to resend the documents nearly every 30 days for over a year. they then put me in for a trial modification program and both times I made the required payments and was then denied the modification. My home was eventually foreclosed on but in the process I made over XXXX in trial payments. 

I received a letter saying there was an error in the calculation of the attorney fees with a small check but that was it. 

How do I know if I am eligible for more compensation? Am I just supposed to wait for them to see if they believe I was wrong? In my opinion I should at least be eligible for a return of the trial payments. 

I put XXXX down on my house and all of that was lost as a result of the foreclosure and then they turned around and sold the house for over XXXX plus whatever I paid during the time I did pay my mortgage. They benefit much more by foreclosing on me that they would have by giving me the modification which seems to the reason why they never intended to give me the modification although they pretended to be trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine