23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has been erroneously including my XXXX Bank HELOC account balance in the calculation for credit utilization rate. Experian previously performed the same erroneous calculation, which took several months and many hours on my behalf to correct. Several months following the correction, Experian once again included the HELOC  balance in the calculation. I have provided documentation XXXX times that shows the XXXX Bank account is a HELOC  and not sure why making the correction is so difficult. Experian decreased my credit score XXXX points by including the HELOC  into the calculation. 

As an indication as to the difficulties dealing with Experian, when I was finally able to speak live with someone, they had no idea of a HELOC and informed me that they did not see any company with the name HELOC on my credit report with an outstanding balance. A second indication of the difficulties is reviewing the updates on this website. As of XX/XX/2024, Experian reported to CFPB that the dispute is still under investigation. I received a notification that the investigation has been completed, XX/XX/2024, and updates made. I am not sure what type of updates were made but they are not correct. The HELOC balance that had been included with the credit utilization rate is approximately {$50000.00}. This balance of {$50000.00} now is listed as {$0.00} and my credit score should have immediately increased, if properly corrected. Instead, what occurred is the {$50000.00} balance had been paid in full representing a {$0.00} balance and rather than my credit score increasing, Experian reduced by credit score by XXXX points. 

There is no doubt that whatever updates were made by Experian, were totally mismanaged and incorrect. I take pride in maintaining a credit score within the XXXX range but it is very difficult when the company in charge and control of such score continually makes errors for non complex matters, then refuses to clean up the mess they created. Each time I try and determine exactly what occurred, I am only bombarded with messages that the information can only be obtained by upgrading and paying a fee. So, Experian creates to problem, reduces my credit score substantially, refuses to correct my credit score and attempts to charge me for information. Seems like a pretty good business plan to increase revenue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, XXXX  - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX, XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX on XX/XX/XXXX have sent out to Equifax dispute ( s ) regarding tounauthorized inquiries on my consumer credit report in which it has been over 30 days and these item ( s ) are still on my report and I have not recieved notice of an investigation or results pertaining to my inquiry. An FTC report was provided along with proof of identification such as my driver license, SSN Card and a 30 day utility bill.

Pertaining to 15 US Code 1681 ( c ) -2 Block of information resulting from identity theft ( 1 ) Appropriate proof of the identity of the consumer.

( 2 ) A copy of an identity theft report.

( 3 ) The identification of such information by the consumer.

( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

All obligation ( s ) of this law has been met yet this credit reporting agency believes that they are above the law and has not even responded to my inquiry. Additionally, there is a fraudulent collection contained on my consumer report from Creditor : XXXX Account # : XXXX. I will attach what I sent to this reporting agency on XX/XX/XXXX and I am demanding these be removed from my credit report due to failure to validate any of these item ( s ) being reported on my credit within 30 day ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and discovered inaccurate credit card accounts reported from TransUnion : XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount o {$480.00}
Product: Credit reporting or other personal consumer reports

XXXXI 've spoken to XXXX  XXXX XXXX XXXX multiple times and told them to remove this inquiry and I have also spoken to experian. They have no record of any inquiry in my name that I have authorized in writing or otherwise. It has to be removed. I've contacted the phone number they provided me and they're fraud department and they still have not removed it. The attachment shows clearly the inquiry!
Product: Credit card

On XXXX XXXXXXXX  there was a charge to my XXXX Chase Visa card. When I received my statement mid XXXX, I did not recognize the charge and immediately notified Chase. They determined it was fraud and requested a refund from XXXX. In the meantime, I realized the charge of {$5800.00} was for concert tickets. I then called Chase back to tell them it wasn't fraud and that the charge was legit. They said they would repay the amount to the venue. I called the venue at which time they informed me that since they had already sent back the funds on XX/XX/XXXX  the seats were no longer available. I no longer had tickets. At this time I have followed every instruction given me by Chase to remove the charge from my account. They are refusing. I reached out to XXXX to make sure that they do not have the funds and they have assured me that they do not. I m being charged {$5800.00} for a product not received nor did Chase pay it. 
XXXX Transaction ID XXXX XXXX  Phone # XXXX My Chase Visa # before fraud was suspected XXXX Chase Card # now XXXX
Product: Checking or savings account

on XX/XX/XXXX a fraudulent check was deposited into my account on XX/XX/XXXX that check was rejected by the bank and without my knowledge them on XX/XX/XXXX bank of America closed my account for suspected fraudulent activity I have tried numerous times to resolve this with bank of America but no luck on XX/XX/XXXX i got a call from bank of America representative XXXX XXXX ( XXXX ) ext ( XXXX ) I told her about the incident and she told me it would be investigated I then got a call back from her on XX/XX/XXXX stating that it was investigated and the matter stands as fraud ... i am writing this again as a fraud complain on who ever deposited that check and bank of America for not properly looking into this matter I can not open no account cause they put my name in XXXX   for a matter I have no knowledge about
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submititngt his CFPB complaint to dispute the accuracy of my credit report the Credit Bureaus present. After reviewing my report, I have identified several erroneous and misleading accounts and personal indormation that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that the Credit Bureaus investigate these items and make the necessary updates to ensure that my credit report is accurate. The following items are erroneous and should be investigated and corrected accordingly : These Inaccurate personal information must be investigated and corrected or removed ; Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I need the following accounts investigated and corrected as soon as possible : XXXX XXXX Balance : {$9100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}. I would appreciate it if the Credit Reporting Agencies could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Product: Student loan

My student loans were taken out in the XXXX and XXXX and I am a victim of predatory lending practices by the servicer of my original student loans XXXX XXXXXXXX XXXX Who was recently sued by CFPB for millions of dollars for defrauding students like myself. My damages are that when my loans were serviced by XXXX XXXXXXXX XXXX. I was victimized and not told of my options like, because I am a XXXX XXXX XXXX XXXX I was eligible for XXXX loan forgiveness and instead they continued to push me into deferments and forbearances. Please understand that these student loans were taken out in the XXXX and XXXX and I had no smartphone or computer to investigate on my own and do my own research. I only had a phone to speak with the servicers and the representatives on the other end of the phone giving me misinformation. I am a XXXX XXXX XXXX XXXX in title 1 under served areas and have been for 26.5 years. I took these student loans out in my XXXX XXXX XXXX XXXX and I am now XXXX. The loans now are a whopping XXXX due to having predatory servicers! I want this money paid back to me! All the interest they accrued which made my loans greatly increase! I want justice given I am providing documentation. I seek damages totally XXXX. I am in default with the federal government because of servicers like XXXX XXXXXXXX XXXX And this is why my student loan debt is now XXXX. Predatory practices!
Product: Credit reporting or other personal consumer reports

I am truthfully asking the Experian and XXXX XXXX to please REMOVE these fraudulent inquiries from my credit reports. As I have been telling you that these inquiries were unauthorized. And I need them to be removed from my credit reports. I understand the significance of preserving an precise credit reports, and I believe that the removal of these inquiries is crucial for my financial security : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The secured property is a condominium under management by an Association. Flood insurance is maintained on the common property by the Association 's insurance provider.. A copy of the master policy is not automatically sent to our lender, so every year the lender, U.S. Bank , requests a copy of it. Over the course of the years we have owned the property, we have mailed it to the address provided for this purpose, we have uploaded it to the website they direct and/or both. They allow 45 days for us to provide the information to avoid forced placed insurance. This year in particular, we requested the information from the insurance agent who indicated they could not provide it directly to me and instead needed to send it to U.S. Bank. Wonderful. It was sent on XXXX/XXXX/22, and per phone call today with US Bank, it has not yet been logged to our account. The represented then called the insurance agent and US Bank then gave her the ihaveinsurance website, a fax number and a mailing address to send it to - all BLACK HOLES. If this insurance certificate does not reach the appropriate person who knows how to read it ( yes, that is another issue ), then they put forced placed insurance on our account that I then have to fight to have reversed. OMG!!! How can it take more than 4 weeks for them to process this information. Plus the customer service reps I have talked to all feign ignorance as to the process and act as though there is nothing they can do about it. So my fate lies in the hands of some data entry person for which have apparently been understaffed FOR YEARS!! 
Based on past DOJ lawsuits of similar nature, it seems to me it is a deliberate and intentional way to fleece unsuspecting consumers out of a bunch of money. This happens EVERY SINGLE YEAR!! I have called them about this several times and yet the situation never improves! They know full well the importance of this to their customers, yet they treat it without any amount of caring or concern and total lack of urgency. Please make it stop. Thank you.
Product: Student loan

On XX/XX/2023 Mohela sent me a message that my auto-pay would debited in XX/XX/2023. However, they never sent me a billing statement. Per their own conditions of the resuming of payments, billing statements were supposed to be sent at least 3 weeks before the payment is due. I contacted them and am being told that because I'm on auto-pay I won't receive a billing statement, I will only receive a notification of when my auto-debit will occur. This is nowhere in their terms and conditions and is completely unacceptable. They should not be debiting money when they refuse to send a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation student loans DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE FRCA Violation collection XXXX  XXXX  FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my information in a security breach putting my credit in danger.
Product: Checking or savings account

I have contacted my bank and explained over a dozen times about an unauthorized transaction made on my account however the bank chooses to not do anything about the matter. After submitting two disputes that went no where, I requested for my claim to be escalated to corporate office to which I am told, there is no corporate office and that there is no one my case can be forwarded to other than a floor supervisor who knowledge is on the same level of a call center employee. The fraudulent case was not appropriately or diligently investigated or resolved and in order to find out more information about my case I have to wait for an email which may take 10 days to receive. Furthermore, to submit disputes, it has to be done via email that will be responded to by an auto generated email. Everytime I have spoken with someone, it was because I called them. No one responds to the emails you send. Also, when I call and speak to someone, I am constantly having to explain my issue over again because my previous call was not thoroughly documented. Chime should be shut down for this type of negligence.
Product: Credit reporting or other personal consumer reports

XXXX is completely and inaccurate reporting my credit and my accounts. On their website, they are reporting my credit report has not been updated. When looking on the Transunion, and XXXX reports, my credit score is complete different. This is a violation of the FCRA. And I am seeking legal action. 

They do not stay consistent with information and they are inaccurately reporting.
Product: Checking or savings account

XXXX through XXXX Charge return for insufficient funds in error. Navy Federal Bank
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased Ca home at XXXX XXXX  XXXX XXXX CA XXXX for {$290000.00} all cash, adding {$10000.00} in improvements. I became I'll last three years documented on XXXX. I used credit cards during illness to provide for myself. I was a legal assistant 15 years and widow. I am XXXX. Thru mail I received Discover ( same logo as my long time Card ) letter of notification for home equity loan, citing excellent payment with discover card and my home equity. Citing these two issues. 
AppliedXX/XX/XXXX, XX/XX/XXXX received rejection letter. I'm a XXXX XXXX cyberhacking victim. Fake " charge off " planted XX/XX/XXXX..reason for refusal. Item removed two weeks ago.. 
Called Discover..said " your 7 years prompt on time payments, paying off debts, does not count only credit score and your balance on Discover card is too high. Fake Credit checks on XXXX  monthly from discover mortage and I don't have mortage. It is driving up cost to borrow on Discover. They said they are separate companies yet with same logo. 
Loan quote was a payment of {$680.00} a month {$35000.00} equity. Double what flyer said What hurt my credit was discover and they are lying in mailings. 
Representative said " alleged fake items in credit check. '' I said they were removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses listed on my XXXX XXXX, Experian and XXXX  credit report that I did not reside or live at. The following addresses are not my addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX, XXXX XXXX XXXX, XXXX, MN XXXX. I have never lived or resided at the addresses. My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. My current phone number is : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has put an erroneous report on the credit bureaus and created totally fraudulent statements. They took {$6200.00} out of my now-closed Bank of America Bill Pay account in 2018 and did not pay the bill. The president of my local branch paid the bill by transferring funds from my checking account to the furniture store. When they refunded me with a debit card, I misunderstood. I thought they were sending me a new credit card and charging me {$6200.00}. After explaining this to more than 40 BOA reps, I received a statement showing a check was sent to me, but no check ever arrived. 
I've asked for sales receipts signed by me that they are billing and dunning me for but they just send a form letter saying they won't change their report to the credit bureaus. It's criminal on the part of the bank. I get the impression that they are targeting seniors to raise money with false reports on the credit bureaus. 
According to the XXXX XXXX XXXX, they will be reimbursing customers for the XXXX scam... .the bill pay company, but they don't seem to know that. 
I paid the erroneous item on my credit to no avail. They claim I owe them {$350.00}. When I called and asked what for, they can't say. They told me I'd have to pay bank fees, late charges and whatever they could make up. They told me I'd have to pay {$560.00} to remove the credit bureau report. I paid. Then they created a statement pretending I charged {$560.00} and paid it back.They also pretend I charged {$6200.00} on a credit card and paid it back. That's how they stole my money. This bank is criminal in what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNT : XXXX XXXX ; INQUIRY : XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

It started XX/XX/year>. Which at least XXXX charges. I have dosputed cash app is denying them a day later wont say why or help me. They disconnect the chat after they say they will log my complaint. I asked for information on which decision was made they wont.
Product: Mortgage

Our clients have attempted to obtain a modification with SPS 5 years ago. The Servicer lowered the payment XXXX even though the client 's income reduced by XXXX per month. 
The clients then decided to short-sale the property after which it was denied due to " information not being provided. '' Our company was contacted to help submit the documentation in XXXX of 2018. 

We've submitted the documentation to the Servicer and finally got a resolution on XX/XX/XXXX pending UW review. On the XXXX of XXXX, the servicer was contacted to get a status. They indicated they needed " more time '' for underwriting review. 
On the XXXX of XXXX, the servicer was contacted, and they state they just sent a letter today denying the Short-Sale due to RMA being incomplete. I informed the servicer the RMA was complete and has been submitted XXXX. However, the RMA is in fact complete. The servicer states the " intent '' is not noted in the RMA, however, the proprietary RMA doe NOT have " intent '' section noted in stead it has Section XXXX - the reason for hardship is noted. 

The Servicer understood and wants until Monday to review the case as we pointed out the inaccuracies in their process. 
This, however, isn't enough as the foreclosure hold has YET to be placed or the Facially Complete sent out
Product: Student loan

I previously had two private loans with Navient Corporation. The loans were originated at XXXX XXXX which I attended between XXXX. 

In XXXX of 2024, I applied for Navient 's " School Misconduct '' loan discharge. I stated in detail how my school pressured me to enroll/ to make loan-related decisions without giving me enough time to review the relevant documents. 

And, that my school took unreasonable advantage of my lack of knowledge about higher education/ financial aid to pressure me into enrolling or taking out loans to attend school. 

On XX/XX/2024, I received notification from Navient Corporation that my " School Misconduct '' application was approved.

As a result, my private loans with Navient were discharged and the trade lines of those loans were deleted from my credit reports. 

I then followed-up with XXXX XXXX XXXX Navient 's Customer Advocate ( XXXX XXXX XXXX  ) and requested the return of all money ( a total of {$22000.00} ) paid to them as a result of my school 's misconduct. 

Navient stated they will not be issuing any refund to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried SEVEARL times getting this FTC report to XXXX, Equifax and XXXX. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them ASAP.