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

Below I am copying the information that Experian keeps reporting, no matter how many letters or calls I have made to have this information removed and updated correctly. 

Each time they say updated, they change the date of last activity. This is illegal. 

Not one of the bureaus has sent me any information on how they verified anything. Now, since my last letters to both XXXX  and Experian, XXXX  has deleted this account. I sent a follow XXXXuite letter to Experian and still not even a response. XXXX  never was able to verify or send me any information. I have been disputing the information below that is reporting inaccurately since XXXX of XXXX. 

I have sent letters and certified letters and all I get from Experian is updated. Updated to what? They update nothing and just type the same information over and over again. I get no responses at all from none of my letters from Experian. I get a letter or post card that states how they investigate, yet I get no proof of documentation or validation. All bureaus are not contacting the creditor to get accurate information. 

I mailed letters out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting information be removed or cleared up. 
All the information is conflicting and no-one wants to help. I feel unvalued as a consumer, and violated. I have sent additional letters to all three bureaus as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Absolutely no updates or removal. Still reporting inaccurate information and also is causing me credit worthiness. Reports are showing derogatory debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts with Experian and XXXX but they refuse to remove incorrect items. XXXX XXXX and XXXX bank had been on my report over 7 years and should be removed. I also disputed the late payments that I received for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. In the month of XX/XX/2020 I called each creditor and explained that I was experiencing hardship and that I needed to lower my monthly payment as well as change my payment date. They all agreed and stated that I would not receive any late payments from XX/XX/2020 until now is long I made my payments on time, which I did. I disputed this many times, but Experian and XXXX  refuses to fix it. Also, it is still showing that I owe {$100.00} to XXXX XXXX XXXX and this has been paid in full already and it shows 11 charge offs which is incorrect. They also refuse to fix this. There is also 2 accounts on my report that doesnt belong to me. My report shows 2 accounts for XXXX XXXX XXXXk. I never had a XXXX XXXX XXXX credit card before, so this should not be on my credit report. They are not cooperating with me and I need help correcting information on my credit report.
Product: Credit reporting or other personal consumer reports

CFPB, XXXX XXXX XXXX XXXX XXXX, VA THATS NOT MY ADDRESS AND I NEVER LIVED THERE.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 Fair Credit Reporting Act. Right to Privacy! I have never given XXXX, Experian or XXXX XXXX my authorization to sell or obtain my private information. 
Victim of the XXXX XXXX Data breach
Product: Debt collection

IC Systems is reporting on my credit report. I have never received any notification from them, nor an opportunity to validate the alleged debt. 

Furthermore, I never gave them my social security number or name so Im not sure where/how they got this information. 

They are holding up my home buying process illegally by attempting to extort money from people without providing any information.
Product: Credit reporting or other personal consumer reports

This has been an issue accessing online portal since XX/XX/XXXX. 
XXXX XXXX As of my conversation XX/XX/XXXX, I was told to upload my social and drivers license to the portal in order for the IT department to fix the blocked access. The backend has incorrect information. 
The results said my ID matched. 
My access was not restored. 
On XX/XX/XXXX -XXXX in customer service hung up. I called again spoke to XXXX who escalated again to tech review. She could not unlock the report even though it should be. XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To TransUnion : Subject : Dispute of Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department , I am writing to formally dispute the collection account listed under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681s-2, it is required that all information provided to credit reporting agencies be accurate. I believe this account has not been validated properly and may be inaccurate or incomplete. I request that TransUnion conduct a thorough investigation and update my credit report accordingly. 
A collection account can not be reported as open. This is a major FCRA violation. I want this removed from my credit report immediately. 

XXXX XXXX
Product: Student loan

I filed a complaint with the CFPB against Navient and they responded that they would stop the harassment calls. These call have not stopped and they are still continuing to call the co-borrower up to 30 times a day harassing him. These calls need to be stopped immediately, as he has even asked them not to call numerous times.
Product: Mortgage

My current home mortgage is thorough XXXX sub handled by MyLoanCare. I am currently trying to finish a refinance of my mortgage. All I need it the payoff amount fax or sent to the title company. I have tried for 3 weeks to email and fill out the requests on the MyLoanCare website and I have not received any information or acknowledgement of my request. I have tried to call and there is ZERO ability to talk to a real person. I have tried to call XXXX and they just transfer me to the same automated phone system for MyLoancare and you can not talk to anybody. This should be criminal! They are holding my mortgage hostage while I have to pay a higher interest rate!
Product: Student loan

I 've been with N avient (   XXXX   XXXX   ) f or quite some time and for a long time, I 've been struggling with trying to get my payments lowers to an affordable montly rate. Every year, they raise my payment eventhough my financial situation remains the same. I am now paying {$280.00} under a rate reduction payment plan and I ask them time and time again to lower it. My Co-signer is my Mom who has a  XXXX  and does n't have the financial means to assist me any longer ; all payments have fallen solely on me. I can not afford these payments and it will only get worse next year because it will rise again. I need them to reconsider my payment plan and bring me back down to a payment is around {$150.00} per month or less. I should n't be going broke and basically working to pay them. I have other loans and I am drowning because of Navient. What a scam company! The operators never want to help. They just tell me to basically rely on my Mom eventhough she can not help at all. They are heartless. I ca n't even consolidate because it ' s a Private loa n smh
Product: Prepaid card

I received an e-gift card from my employer on XX/XX/year>. Since then I have not been able to use this gift card at all. Their website reports that you can add their cards to XXXX XXXX, but I have tried countless times and it states the card can not be added and to contact the card issuer. I have tried using the card multiple times at online merchants, triple checking that I input the information correctly, the card is declined. 

Upon researching, TONS of customers have this same experience with American Express. I don't understand how a company can be allowed to do this. 

I have spoken with American Express and I was told a few different things. Once, I was told to use the card in store- well I can't do that because it is an e-gift card and I can't get it added to my XXXX XXXX Another time, they told me to use it with online merchants that only ask for the " card number, expiration date, and security code ''. This did not work or make any difference. Some of the charges even show up as pending or denied on the transaction page of American Express, but they don't allow anything to go through. 

This gift card was a huge part of my budget for the holidays, I desperately need a solution.
Product: Credit card or prepaid card

I'm trying to dispute a charge for {$730.00}. And XXXX XXXX says with XXXX through my bank. Cash App they keep denying my dispute. I don't know what else to do.
Product: Credit reporting or other personal consumer reports

I am requesting that these accounts are immediately removed from my credit profile : Account Number : XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Original Balance : {$4500.00} Balance : {$5000.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$6000.00} Balance : {$7800.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$5500.00} Balance : {$6100.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$5000.00} Balance : {$6300.00} Date Opened : XXXX This information is part of a class action lawsuit against XXXX  XXXX XXXX XXXX  XXXX. This institution has been permanently closed due to illegally charging student inaccurate amounts. Due to the fraudulent nature of these accounts, they have been paid off and discharged by the XXXX XXXX XXXX  XXXX. I AM REQUESTING AN IMMEDIATE DELETION OF THIS INFORMATION!
Product: Mortgage

I am in line for a modification from Bank of America. I was in a trial basis for three months, it has now been extended to seven months. I was told after three months I would receive my paperwork, It haws not happened. I am in line to get property tasx help from the State of Michigan and my approval by Bank of America XX/XX/XXXX. They keep stalling me, ev ery week it is a new target date as they are behind in their paperwok. I have sent XXXX e-mails to XXXX XXXX XXXX, but to no avail. Why would he respond to me I am just a little person. I am XXXX years old and on a fixed income. I do not want to b e homeless because of property taxes that are over due. i need desperately need help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting Under 15 U.S. Code 1681 Dear XXXX, I am writing to formally dispute the inaccurate reporting of late payments on my credit report related an account. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, credit bureaus are required to report only accurate, complete, and verifiable information. 

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I formally request that XXXX conduct a thorough reinvestigation of this disputed information. If the late payments can not be 100 % verified as accurate and substantiated by the data furnisher, they must be removed immediately from my credit file and account be updated to current and paid on time never late. 

Additionally, per 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Failure to do so results in the inclusion of misleading or false data, which is a direct violation of my rights under the FCRA. 

I expect this matter to be resolved within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Failure to comply with FCRA regulations may result in further legal action. 

Please update me with the results of your investigation in writing. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally bring to your attention an issue I have encountered with Experian, one of the major consumer reporting agencies. I have noticed that they are not reporting accurate information on my credit report, specifically regarding my credit card payments. 

Upon reviewing my credit report, I discovered that my payment made on XX/XX/XXXX has not been reported. This payment has reduced my credit card balance to zero, yet it is absent from my report. This inaccuracy not only misrepresents my creditworthiness but also undermines the fairness and accuracy that is essential for the proper functioning of the banking system, as outlined in 15 U.S. Code 1681. 

I have attached supporting documents, including payment confirmations and my current credit report, for your review. I urge you to investigate this matter and take appropriate action to ensure my credit report reflects accurate information. 

Thank you for your attention to this urgent issue. I appreciate your efforts in upholding consumer rights and ensuring fair credit reporting. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove the XXXX fraud account thats being reported on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Money transfer, virtual currency, or money service

Pay  XXXX  bill by credit card, requires use of  Western Union  Speedpay subsidiary, which requires acceptance of Terms and Conditions at https : //www.speedpay.com/westernuniontac_cf.asp. This site requires acceptance of mandatory arbitration unless opted out at  XXXX . Over  45  mins talking to various  WU and Speedpay s taff, no one know anything about it. Told to " call back ''. Did so, spoke to employee who also again knew nothing about arbitration opt-out. I do not wish to accept mandatory arbitration, but there seems to be no way to opt out per the  Speedpay  terms and conditions directions.
Product: Checking or savings account

XX/XX/2020 opened checking account at Chase. Never received debit card in mail like I was promised. 

On 3 different occasions between XX/XX/XXXX and XX/XX/XXXX Chase has blocked my account access and forced me to call in to unlock it. 

XX/XX/2020 I direct deposited {$5700.00} into my Chase checking. 

XX/XX/XXXX I added my bank account with XXXX onto my Chase account transfer menu and verified the trial deposit amounts to confirm it was my account. 

XX/XX/XXXX I attempted to transfer {$2000.00} to XXXX from Chase bank. Chase fraud department blocked this transaction. 

XX/XX/XXXX I called and spoke with multiple representatives. Finally a representative in XXXX was able to verify my account with my account #, address, PIN, and Driver 's License number. He told me he would unlock it and also put a note for fraud that transfers to XXXX by XXXX XXXX are authorized by me. He also ordered a new debit card for me since I didn't receive one yet. He told me further transfers would NOT be blocked. 

XX/XX/XXXX Later that same day I tried to transfer to XXXX for {$1500.00} this time. Again the transaction was blocked. Now the fraud department says they can't access my account to see that I authorized the transaction. They refuse to unlock my account. 

Chase is not allowing access to my funds. They are not following what they told me about allowing transactions to my other accounts. Now that my money is in account they repeatedly make me go through verification procedures and continue to lock it. Without them ever sending me a debit card since it was opened I can not access my funds via atm either.
Product: Prepaid card

XXXX XXXX the owner of RushCard has cause a lot of people including myself a lot of financial problems due to RushCard system being " hacked '' or shut down from what I 've read so far. I have XXXX cards with RushCard and neither of them are working properly. I will not be using RushCard ever again and will not refer any of my friends or family to this company.
Product: Debt collection

I was wrongfully foreclosed on charged thousands after a XXXX  my payment doubled then fixed then bc attorney tried to fix got attorney letter showing current they then tried to do a foreclosure process 6-1 then acted like they empathized did another foreclosure a coupleweeks after I made a payment. Said I had funds and empathized saying I could use it I did get a bit behind not close to foreclosure sent me many documents that had different things as the ones before lied sent false things said I have to pay entire amount of home and all the rearage they believe I'm due won't let me modify after XXXX years here XXXX kids XXXX XXXX in escrow for repairs mostly done. I'm sorry but it keeps erasing my description if I write to slow and to througho so excuse my writing
Product: Credit reporting or other personal consumer reports

TransUnion has improperly verified a disputed debt from XXXX, a third-party debt collector, in violation of federal consumer protection laws. This debt is currently listed on my credit report. XXXX, as a third-party debt purchaser, is not the original creditor and has failed to provide the following legally required information : Proof of Debt Ownership and Assignment No documentation has been provided disclosing how XXXX acquired this debt or the chain of ownership from the original creditor. 

No original agreements, contracts, or signatures confirming my obligation to this debt have been presented, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ). 

Failure to Provide Verification Methods Under FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), consumers have the right to request all information in a consumer reporting agencys file, including the sources and methods used to verify disputed information. Despite my formal dispute, TransUnion has failed to provide written documentation detailing how the alleged debt was verified or what specific evidence was reviewed. 

Failure to Conduct a Reasonable Investigation The FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes an item.TransUnions claim that the debt was verified without disclosing its verification process demonstrates a failure to comply with FCRAs procedural accuracy and consumer disclosure requirements. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Under the FDCPA, 15 U.S.C. 1692e ( 8 ), a debt collector may not report credit information that it knows or should know is inaccurate. XXXX failure to produce a legally valid contract or original documentation calls into question the legitimacy of this reported debt, and TransUnion 's continued reporting without proper verification is unlawful.
Product: Money transfer, virtual currency, or money service

On X/XX/2017 Company : Global Payment deducted {$100.00} from a debit card that I never authorized for them to store. This was a debt that I would make Bi-weekly payments until it was paid off. The payment was taken out not only without my approval but from a card that was never authorized for them to keep on their records.
Product: Debt collection

Constantly calling now I get a letter trying to sue me for an account in XXXX isnt that past the limit of time?
Product: Credit reporting or other personal consumer reports

TRANS UNION XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below :