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

My Complaint, is based on Experian not verifying an alleged bankruptcy that continues to stay on my Credit Report XXXX with their bureau. I contacted them online XX/XX/2020, they responded XX/XX/2020 stating the item is Certified to Experian. The Bankruptcy is not accurate and I was quite upset as this was an automated response. 
On XX/XX/2020 I requested from Experian a re-investigation of how their Bureau came to have this erroneous data on my report, per FCRA 611 ( a ) ( 6 ) and ( 7 ). I asked them to provide the person, address and telephone number of each Court official contacted regarding the alleged record. Also the Court that Validated the information, and the EXACT address. I also requested any documents from the Court regarding their initial investigation in my Experian report # XXXX. My request allowed them 15 days to complete their RE-Investigation as FCRA states. I requested in the absence of Documentation they immediately expunge the inaccurate record permanently from my record under XXXX. I received NO response so on XX/XX/2020 I wrote them requesting they immediately remove the Bankruptcy as they violated federal law by not doing so. I am uploading a letter from the Courthouse stating they do not verify BK filings with CRA 's, also my return receipt documents that show the company received my XX/XX/2020 letter on XX/XX/2020, also my 3rd letter XX/XX/2020, which Experian received on XX/XX/2020. I also enclosed a suppression letter, a security freeze from XXXX on XX/XX/2020 due to dark web activity on my accounts, and credit report requests by various banks in XXXX I did not authorize. Its very disheartening how Experian continues to verify inaccuracies on my report, and not respond in a certain timeframe that the FCRA allows them. My frustration is why I am making this complaint to the CFPB. Experian is NOT contacting the Court or any 3RD party data furnisher, just continuing to keep unverifiable items on my report. I appreciate any enforcement you can perform on my behalf to get this inaccurate information off my report quickly. I will upload my documents so you can see how I have attempted to resolve this wrong information many times, in a professional manner. 
Thank you very much. 
XXXX XXXX
Product: Credit card or prepaid card

I placed an order for a product costing {$60.00} on XX/XX/XXXX and paid using XXXX XXXX XXXX XXXX XXXX ; the item was provided from a Marketplace vendor and had a guaranteed delivery date of XX/XX/XXXX. I received an E-Mail from the company on XX/XX/XXXX informing me that the product wouldn't be in-stock for at least a week and asking me if I wanted to wait ; I thanked the company and cancelled the order. I did not receive the order. 

The charge for the product appeared on my credit card statement and I filed a dispute with the bank on XX/XX/XXXX. After nearly 2 months, the bank decided that there was no reason to reverse the charge and closed the dispute with he recommendation that I contact XXXXXXXX XXXX. XXXX XXXX said that they can't do anything because, 3 weeks later, the dispute is still open at XXXXXXXX XXXX. 

I can provide copies of all E-Mail communications if needed. 

I plan to file a separate complaint about XXXX XXXX.
Product: Checking or savings account

Company Involved XXXX, XXXX : Chase Bank On Saturday afteernoon XX/XX/XXXX I went to my neighborhood XXXX to return an item for the amount of {$17.00} using my debit chase card and On Monday XX/XX/XXXX my Chase XXXX account was credited the full amount. Later on in the evening of XX/XX/XXXX my XXXX Chase card was debited {$110.00} from Target. I was made of aware of this transaction on Sunday evening and immediately called customer support to file a claim with Chase Bank advising them that a transaction was made on my debit card that I did not authorize nor was I anywhere near a XXXX store to make this transaction and that I was concerned that my account was in jeopardy. My debit card was immediately cancelled and a new card was issued to me and I was given {$110.00} credit back to my Chase checking account until an investigation was complete. On Friday XX/XX/XXXX I was looking at my on-line mobile chase app and noticed the Chase Bank reversed the claim charges of the amount of {$110.00}. I immediately called Chase customer support to fined out why the charges were reversed and I was told by customer support they felt that because my debit card was used via " Chip '' insert it is their policy to deny the claim because of the security of the " Chip '' yet I had the customer support manager confessing that it seemed unusual that this would occur on the same day at the same XXXX location I am beyond frustrated and feel I have been a victim of fraud and yet I have been denied by my very own bank. My claim # XXXX. If I could be of further assistance please feel free to contact me.
Product: Mortgage

We had a hurricane in 2017 and our mortgage company agreed to defer Two months payments to the end of our loan. They are now requesting the two months mortgage! This was not the agreement! The two months was supposed to be added to the end of our loan! No supervisor will call me back
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax 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. CXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$21000.00}
Product: Debt collection

In accordance with Fair Credit Reporting Act these original creditors and collection companies/debt buyers has violate my rights. Under 15 USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604 ( A ) section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late under any circumstances or purpose.Furthermore, under section 609 ( a ) ( 1 ) ( A ) credit reporting agencies are required by federal law to verify through physical verification an original signed consumer contract on any and all accounts posted to a consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX my mom and sister went to do a wire transfer to Chase Bank was there an hour and my XXXX XXXX XXXX had to sign multiple papers, sister said should have money in XXXX hours, never arrived. Called customer service she said it was rejected because my type of account doesn't allow wire transfer no where on Chases website can you read that. After I complained the girl said, '' it is what it is ''. On XX/XX/XXXX received a cashier 's check from XXXX XXXX  XXXX NY for {$25000.00} from my mother to replace my car totaled in accident. Deposited the check at Chase Bank, teller stated funds will be available on XX/XX/XXXX. I said wait this is a cashier 's check guaranteed, I understand it's a large amount. He said once the hold is placed tomorrow call the verification center. XXXX called spoke with XXXX she called XXXX XXXX  and spoke with XXXX XXXX who issued the check she told her client came to bank on XX/XX/XXXX purchased cashier 's check, check dated for XXXX and the check is good, XXXX gets back to me and tells me what she said but " your not getting your money today '' I went to closet branch to speak with manager, on vacation. Teller called to find me a manager no one available. Asked if he knew about EFAA he said no. Called verification center, same story she did say she sees the note check verified but issuing bank hasn't released funds, I asked for {$500.00} and if she knows about EFAA law, she did not. I said next day after deposit I should get {$200.00}, but I couldn't even get that. Called Chase headquarters I was told available date of XX/XX/XXXX stands, did she know about EFAA, no she said. Chase Bank has caused me financial hardship, i was going to buy a car today, had to cancel, called out of work didn't have enough for bus fare. Please look into this and maybe educate me more on cashier 's checks. Thank you
Product: Checking or savings account

On Thursday XX/XX/XXXX, a variety of fraudulent charges were posted to my account. These included : two charges at XXXX ( which I was able to reverse by calling the store ) and four additional charges ( which I was not able to reverse ) that included XXXX XXXX XXXX XXXX for {$100.00} each and XXXX XXXX for {$310.00} each. Total amount of fraudulent charges equaled {$830.00}. Some of these charges were made when my account was supposedly " locked. '' I have an additional concern that the security and features this financial institution promotes are false. 

I immediately filed disputes ( my bank refused to reverse the charges ). These charges were made in the XXXX XXXX XXXX ( I reside in Oregon and can provide proof that I was in Oregon during the time of these charges ). My bank informed me I might be eligible for a provisional credit within 10 business days. I was then informed around the date of XX/XX/XXXX that I should receive a provision credit to my account by end of business ( at the latest per my bank ) XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX ( after not receiving a provisional credit ) I was told by my bank that, " maybe I was misinformed '' but it looked like I didn't qualify ( they weren't sure ). I asked to receive documentation as to why I didn't qualify and they refused to provide any sort of explanation or documentation other than, " our investigation will be closed by XX/XX/XXXX and perhaps you'll get the funds then. '' My attempts to speak with a supervisor were not fulfilled. 

This is a lot of money that was fraudulently taken and now withheld. Communication with MoneyLion has been nothing short of nightmarish and I feel severely taken advantage of as a customer. How can this even be allowed to happen to a consumer? {$830.00} might not be a lot to some people, but as a person living pay check to pay check, this has made a severe impact on my ability to pay utilities and bills.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account.

EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Student loan

My total monthly amount to pay NAVIENT is {$870.00}. This is a combination of federal and private loans. I only make {$46000.00} per year. My monthly GROSS income is {$3900.00}. They are requiring me to pay more than 20 % of my monthly income. I have asked several times, including today XX/XX/2018, for lower payments. They have repeatedly denied me and said there was nothing they could do. I have also tried refinancing through XXXX, XXXX XXXX, and other lenders just to get denied because of how much I owe in relation to how much I make. My credit score has dropped from XXXX to XXXX due to not being able to keep up with other payments. Please stop these companies from robbing us of our hard earned money! The decision to go to college is not benefiting me at this point. I can not buy a house, go on vacation, and just live my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act ( FCRA ), the following has violated my rights : Account Name : XXXX XXXX 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  Account Number : XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These incorrect addresses and accounts do not belong to me I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. I have been living at the location provided for the past 15 years. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or eliminate the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Affiliated Management Services ( AMS ) posted two collection accounts to my XXXX credit report. One was for XXXX  XXXX {$61.00}, the other was for XXXX XXXX Specialists {$76.00}. First, the {$76.00} the reported was incorrect and under FCRA Section 607 I'm entititled to the maximum accuracy. I only found out about these by pulling my credit report. XXXX failed to issue me notice pursuant to 15 U.S. Code 1692g. On a RECORDED phone call, XXXX agreed to PAY FOR DELETE the {$61.00} with MAWD Pathology even though I had no idea what the debt was or even had it validated. I didn't accept this debt as mine but since it was a low amount I paid it anyway. For the {$76.00} charge with XXXX XXXX XXXX, I sent them a letter revoking any authorization which allowed them to contact a third-party regarding my personal health information ( PHI ). The lettter also stated that I demanded they instruct AMS to DELETE the collection and the check the cashed clearly stated in comments " by cashing you agree to terms of letter dated X '' This was followed up by a call from XXXX in their billing department confirming everything. I also do not have proof a XXXX is on file between XXXX and AMS or XXXX and AMS. I sent XXXX, management at XXXX an email on XX/XX/20 asking for details and he confirmed that they " tried to call me '' before sending to collections but no notice in compliance with 15 U.S. Code 1692g was sent. He did not confirm which number or address they were using. These medical practices and debt collection companies have caused me severe emotional and financial harm by reporting erroneous and inaccurate information and " verifying '' the status with the credit reporting bureaus. They have violated Federal and State statutes in my opinion, as well as XXXX, HIPAA, FACT, XXXX laws. These are predatory practices, as I never received any bills or notices for either of these and the original companies received reimbursement from my insurance for at least 80 % of services. While sending billing information to a third party is a permitted business purpose, it should follow the minmum necessary standard and unfortunately in these cases I don't believe this standard was followed. A XXXX  complaint has also been filed.
Product: Credit reporting

After filing a fraud alert with TU, I filed a complaint with them that they had allowed a third party to access my credit report and add " and XXXX XXXX '' after my name in the record. I also reported that their own XXXX complaint line operator had told me a New York XXXX company named XXXX XXXX XXXX showed in their files as accessing my file in the past ( I was not given the date though it is a part of the file ). 

TransUnion 's response was to tell me that a Fraud Alert had been added to my file and that their investigation was closed. The third party name XXXX XXXX remains on my file and presumably means that entity has full access to my credit report. 

I want an explanation, apology and assurances from TransUnion that they have closed off whatever access device is/was used to access my report, and that they have removed that third party 's wording " and XXXX XXXX '' from my file. 

Otherwise the concept of these XXXX credit bureaus being the XXXX XXXX of US citizens sensitive credit reports, is a farce and it should be known to the US public, as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from FNBO stating they were decreasing my credit limit from {$10000.00} to & XXXX due to credit bureau XXXX reporting. I had missed some payments but had not made active purchases since I knew I was struggling to make the payments every month. All payments I did make, however, were on time and for more than the required amount due. Once I received the letter on XX/XX/XXXX, I made a very serious attempt to get my account up to date, making good progress towards the balance and getting my credit score up to buy my first house. XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00} and XX/XX/XXXX I made a payment of {$2000.00}. Upon checking my credit score today as I am working with the bank on a mortgage loan, I find out only through the credit reporting agency that FNBO had again decreased my credit limit, this time from {$9400.00} to {$5300.00} taking my credit score way down. Now I will be over my credit limit. I spoke to XXXX at FNBO XX/XX/XXXX and she could not help, they get notified from the credit agency, plug in the info, without taking anything into consideration, for example that I paid {$4000.00} in the month of XXXX trying to get this down, then asked and spoke to her supervisor XXXX who also said there was nothing she could do about it as she is not part of the " decrease '' department, whatever that means? This really hurt me in my attempt to purchase a home for my family and I can find any help to reverse what FNBO has done to my credit.
Product: Student loan

Back in XX/XX/2023, I sent a request to transfer my loans to MOHELA and be put on the SAVE/REPAYE plan, which would involve XXXX XXXX  monthly payments given my current salary. I was erroneously put on the STANDARD plan and charged {$1900.00}. I called MOHELA customer service who adjusted my plan to SAVE but they are still charging me {$1900.00} with accruing interest. I have called them twice since and they told me not to worry about the balance and interest and they would adjust it. Currently, two months have gone by and it is still showing a balance of {$1900.00} and accrued interest of {$3100.00}. Moreover, I am being told that if I don't pay the {$1900.00}, my account will become delinquent or be put in forbearance, which I do not want. I find this particularly frustrating, especially given that I have done nothing wrong and this is all their mistake. Additionally, it feels like there is no accountability on MOHELA 's end for their screw-ups, just vulnerable consumers who end up wasting many hours on the phone with lots of additional stress and XXXX.