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

Experian  inaccurately reported on public record a civil judgment during time period the judgment was dismissed, XX/XX/XXXX to the end of the mediation program timeframe, XX/XX/XXXX. Experian  failed to provide consumer history of credit report disclosures during the time period XX/XX/XXXX to the end of the mediation program timeframe XX/XX/XXXX knowingly would show that the ( CRA ) violated consumers substantive right to privacy. [ Boyd v. United States ( XXXX ) ]. Mr. XXXX XXXX Senior Vice President & General Counsel Experian on formal notice of the Mixing of Files and Information Shared to date, cause I.D . Theft/Fraud. On XXXX XXXX, XXXX consumer received e-mail Experian  General Counsel ;  acknowledgement of my complaint of identity theft/fraud. ( " CRA '' ) admonition of data breach/cyber security attack has been documented.Experian 's defective disclosures resulted from failure to fulfilled statutory obligations ; constituted a reckless ; willful and wanton conduct that violated Fair Credit Reporting Act ( FCRA ), Section 1681g. Experian is liable under 5 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received an alert from my XXXX report that a company pulled an inquiry. The company is FNB OMAHA and inquiry date was XX/XX/2022. 

I do not recognize this inquiry, nor did I authorize the inquiry. 

Please remove this inquiry ASAP. 

Thank you.
Product: Checking or savings account

According to the website below, there are tables only in the possession of Wells Fargo to aid them in determining where the XXXX After-Tax 401k funds were distributed. I would like access to the redacted tables to locate the funds or the name of the financial institution that the funds were sent to from the redacted tables to locate my funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Formal Complaint Regarding Unauthorized Transaction Dispute Dear Chase Bank Customer Service, I am writing to formally file a complaint regarding an unauthorized transaction on my account, which Chase has erroneously attributed to me. Despite my clear communication that I did not authorize this transaction, Chase has denied my request for a refund. 

The unauthorized transaction details are as follows : Item Number : XXXX Order Number : XXXX Amount : USD XXXX I contacted the merchant, XXXX XXXX and they provided proof that my account was compromised and that the transaction was unauthorized. They canceled the transaction and confirmed that it was not authorized by me. Please see the attached email from XXXX Customer Service for your reference :
Product: Student loan

My name is XXXX XXXX, Borrower Defense Application # XXXX. I haven't received my full relief. Mohela processed the discharge on my two Direct Consolidation Loans on XX/XX/year>, and the balance has dropped to zero. Mohela stated that the refund check would be issued from the U.S. Department of Treasury within approximately 90 days, Mohela 's representative stated that the refund was also processed on XX/XX/XXXX when I contacted them on XX/XX/year>, and told me to contact the borrower defense team instead to get further information about the refund check. I contacted the borrower defense and they informed me they don't have any information about the refund check and that the loan server would be the only one that would have that information. I wanted to find out if a refund check was processed, and mailed out, as I haven't received a refund within 90 days. I wasn't aware that potential theft was happening until I was reading forums on XXXX and a news report of the theft of U.S. Department of Treasury checks hopefully my wasn't stolen and just not processed yet, but I have not received any proper information from Mohela to confirm. Lastly, my loan records are still showing on my XXXX credit report and have not been deleted yet. I have attached my documents regarding the discharge of the loan
Product: Debt collection

I am writing to file a formal complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by National Credit Systems. This complaint involves a case of identity theft and the failure of National Credit Systems to properly verify the ownership of the debt before reporting it. 

Here are the details of my complaint : The original creditor for this debt was XXXX XXXX XXXX XXXX. The debt was charged off and closed by XXXX XXXX XXXX XXXX. before it was sold to National Credit Systems, a debt buyer.

Despite the fact that the debt was charged off and closed by the original creditor, National Credit Systems has been reporting this debt as open and active on my credit report since the purchase. 

I requested validation of the debt from National Credit Systems, but they failed to provide sufficient evidence proving that this debt belongs to me. It seems that National Credit Systems merely relied on the information provided by XXXX XXXX XXXX XXXX. without conducting proper due diligence to verify my identity or confirm that I am responsible for this debt.

After careful review, I believe that this debt has been wrongly attributed to me as a result of identity theft, and I have no knowledge or record of having incurred this debt.

As a result of this incorrect reporting, my credit report has been negatively affected, and I am facing undue financial harm. I have tried to resolve this matter directly with National Credit Systems, but they have failed to provide the necessary documentation to validate the debt or remove it from my credit report.
Product: Checking or savings account

There is a Citizens Investment account in my mother 's name ( she's deceased and Citizens received her death certificate ) that has a TOD designation to me and my XXXX sisters. 
This account was somehow closed with about {$400.00} in the account and the designation was never rolled over to us. 
XXXX XXXX ( citizens investment employee and rep on the account ) has refused to help my sister with this issue and refuses to take our calls. She did find another Citizens employee who was very helpful who suggested that she get access to the account records as we suspect that the account was mishandled. 
Please advise on where we can get help with this matter. it's been extremely frustrating and I have the sense that they are hoping that we just " let it go ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Student loan

I have a XXXX Loan with ACS Education Services. I have submitted XXXX deferment forms in the last 3 years. They say that they process the form XXXX5 days after receiving the form, but that has never been the case. My deferment forms have been neglected for weeks and only processed after I emailed them. This time, it has been 8 weeks, and they are not even responding to emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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
Product: Mortgage

TRANSUNION, XXXX, and XXXX  each has reported a collection account including from XXXX XXXX XXXX   ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and any other putative creditor in connection with hospital care related to her minor children. All those medical services are required to be covered under California XXXX XXXX XXXX XXXX XXXX ( XXXX ). TRANSUNION, XXXX, XXXX and their medical professional agents fail to understand that as a patient undergoing non-elective treatment they are a ward under the physicians care. In other words, a baby rushed to the emergency room because of a high fever simply can't receive a hospital bill later because the attending medical staff merely overlooked the health insurance mandate for children in the state of California and failed to enroll them.
Product: Credit card or prepaid card

my mother was issued a Discover credit card in 1995. The credit limit has been increased to {$30000.00} a couple yrs ago. My mother is XXXX XXXX XXXX & on a fixed income. She has several health problems and is on a fixed income. My mother just came home from the hospital/rehabilitation after being there for over 30 days. At this point she needs assistance with her physical needs as well as paying her bills ( writing checks ) on time each month. I just recently found out the Discover Credit Card debt & I am really concerned that the company would give a XXXX senior on a fixed income such as my moms {$30000.00} credit line. With how things are now in the world our seniors are easy targets for scam. My mom has worked hard all her life and at this point in her life she ( past couple months ) has worried about lost her home, not buying her medication because of this. My mother is has been a widow for 7 yrs. She lives alone her income is only once a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that the following accounts be blocked from my credit report, I have stated before that I have no knowledge of the accounts and nor was I provided any physical verification of such. If the credit reporting agencies can not fix this situation. I will file suit and sue. The accounts inwhich I'm referring to is XXXX  XXXX for the amounts of {$160.00}, {$140.00}, and {$110.00}
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Collection XXXX XXXX XXXX  - {$5600.00} Late Payment XXXX XXXX XXXX XXXX - {$220.00} XXXX XXXX XXXX XXXX  - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Reinvestigate the accounts listed below. 

Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ). 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

Transunion credit bureau refuses my rights to privacy 15 USC ( 1681 ( a ) ( 4 ). I did not give Transunion my consent to post anything to my consumers credit report. No consent is identity theft. Transunion has also taken and admitted to receiving information from other parties other than myself and posted it to my consumers report. Transunion is defaming my character and is causing emotional and physical damage to me. There is no such LAW that states anything needs to be reported to a consumer reporting agency. Ive reached out to Transunion via phone and mail ( via certified letter ). Transunion is damaging my right to extend credit. I am being discriminated against because of TRANSUNION.
Product: Debt collection

garnishments started XX/XX/XXXX. The fact that the courts in Michigan has never answered my questions since XXXX, nor what monies I owe ( XXXX, {$5500.00}, {$8700.00}, the latest are two I've received are dated XXXX Capital Alliance Financial LLC XXXX XX/XX/XXXX on XXXX XXXX XXXX have all the documents from all the payments they've taken via garnishments, and still taking from my paychecks. I don't know what. The offices of XXXX XXXX are at XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, and XXXX XXXX XXXX is P.O. XXXX XXXX, MI. 

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

As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) TransUnion is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 )  XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.
Product: Checking or savings account

I opened up an account in XX/XX/2018 with Bank of America and they sent me an account number and card. I sign up with a {$100.00} promotion they were offering, which required setting up direct deposit. After setting up direct deposit through my employer, one {$250.00} direct deposit went through and then Bank of America froze the account so the other {$250.00} deposit would not go through and then closed my account. I called XXXX and spoke to XXXX and she could not give me a reason for closing the account. 

It is unethical to offer a promotion and open up an account for someone, and then as soon as they meet the requirements you close their account before delivering the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that XXXX, Equifax and XXXX would receive it. According to the tracking information provided by USPS.com Equifax ( tracking # XXXX ) received my request on XX/XX/2020. XXXX  ( tracking # XXXX ) received it XX/XX/2020 and XXXX  ( tracking # XXXX ) received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX  XX/XX/XXXX, in which they show received XX/XX/XXXX advising that the inquiries on my report are inaccurate and unauthorized, I also called on XX/XX/XXXX and advised they cant update or remove these unauthorized inquires and they would have to remain on my file for 2 years. However, I did not authorize these inquiries and I don't think its fair that they remain on my file.
Product: Student loan

I am currently on the SAVE ( Saving on a Valuable Education ) repayment plan for my student loans. I am a pharmacist with the Dept of Veterans Affairs and am working towards loan forgiveness with the PSLF ( Public Service Loan Forgiveness ) program. Two groups of Republican-led states sued the Biden administration to stop the SAVE plan and due to that litigation, borrowers were forced into an administrative forbearance that DOES NOT COUNT toward PSLF per Dept of Education. Therefore, I applied to be changed from the SAVE plan to a different income-based payment plan that in NOT subject to any litigation ( ie IBR, income based repayment plan ). I applied online on XX/XX/XXXX. The following government websites ( https : //www.ed.gov/XXXX XXXX XXXX : //studentaid.gov/XXXX XXXX  have stated since XX/XX/XXXX " In the coming weeks, the Department expects servicers to begin processing certain IDR applications that were paused following court orders affecting the terms and availability of IDR plans. Specifically, the Department will begin processing borrowers applications to enroll in : IBR '', yet MOHELA has not started processing borrowers ' applications to change plans. Please note, that while these websites were updated in XX/XX/XXXX the exact verbiage I quoted has been present since XX/XX/XXXX and I'm attaching screenshots I took XX/XX/XXXX. 

I have attached a screenshot of my complaint to MOHELA ( XX/XX/XXXX ) and their response that they were not processing applications ( despite what Dept of Education websites saying otherwise ). I also attached a screenshot of a separate complaint XX/XX/XXXX that has not yet been responded to.
Product: Credit card

On XX/XX/year> I placed an order for jewelry for {$3900.00} from XXXX  XXXX XXXX in XXXX, Colorado. Jewelry was delivered and has been in my possession for weeks. 
Made a card payment for {$3000.00} on XX/XX/year> so I would not go over balance and made another payment of {$1600.00} on XX/XX/year> which was the ENTIRE balance at the time. 
Got a text last night from Capital One that I was over my credit limit. First they told me that XXXX  XXXX XXXX has a HOLD on the funds. I contacted XXXX  XXXX XXXX who confirmed they do not and never did. Then Capital One tried to tell me the transaction hasn't posted yet. 
I want my credit balance restored and the over limit fee reversed. NOW.
Product: Mortgage

I applied for short sale on my home and submitted all the documents requested and recieved a letter stating that the file was complete but shell point continually and persistently keeps scheduling foreclosure sales on my home even after sending a letter stating that the file was complete, i know that the California Home Owners bill of rights has laws and guidelines in place protect homeowners from these violations, one thing is being said in writing and another thing being done in fact i recieved a email on XX/XX/23 stating once again all the document were in, I should not have to live under constant stress by the servicing company while I`m trying to sale my home sending foreclosure notices to my home i expect my rights to be protected under the law, and not deal with this harrassment
Product: Credit card or prepaid card

Today ( XX/XX/19 ) I was buying a XXXX XXXX ticket online and there was a solicitation for a Gold Skymiles American Express card advertising a future {$200.00} credit for any XXXX purchase. I applied for the card and was approved and I received a prompt asking if I wanted the card number immediately and I answered yes, but then did not receive the number ( which I needed to buy the XXXX ticket ). I then called customer service to try to get a temporary or permanent number and I was passed around to multulple departments and no one could help me. I finally told the representative that I wanted to cancel the card and then I was advised that I would not be eligible for any promotional offers on the card in the future. Unscrupolous/dishonest credit card offer with terrible customer service. American Express has lost me as a customer for life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a repo with XXXX XXXX that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.