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

This complaint is about Experians investigation results to correct an error on my credit report regarding my XXXX Account ( VA home mortgage account ). 

On XX/XX/2020, I submitted a credit dispute with Experian based on their erroneous credit reporting on my XXXX Account showing inaccurate information that my Account was in forbearance. 
On XX/XX/2020, Experian completed their credit dispute investigation to correct the errors on my XXXX Account, but came back as Remains '', therefore, they have failed to remove the forbearance off my credit report on my XXXX Account. The results on my credit report AFTER their investigation still indicates that my XXXX Account is in forbearance by failing to remove any forbearance history. 

I am disputing Experians investigation results because my mortgage servicer, XXXX, failed to correct their error AFTER they ERRONEOUSLY REPORTED that my account was in forbearance back in XX/XX/2020. 

However, as of XX/XX/2020, XXXX finally corrected their error by removing the forbearance off our XXXX Account and reported this to all the major consumer credit reporting agencies, only after we filed a complaint with CFPB. ( Please see attached Letter from XXXX dated XX/XX/2020 ). 

Therefore, our XXXX  ACCOUNT WAS NEVER IN FORBEARANCE AND SHOULD NEVER HAVE BEEN REPORTED IN FORBEARANCE, BUT FOR XXXX  NEGLIGANCE. 

In addition, on XX/XX/2020, XXXX also sent us a letter stating theyve removed our account off forbearance. ( Please see attached Letter from XXXX dated XX/XX/2020 ). 

I AM DEMANDING THAT EXPERIAN CORRECT THEIR ERROR ON MY XXXX ACCOUNT BY REMOVING THE FOLLOWING 3 ERRONEOUS ITEMS OFF MY CREDIT REPORT INDICATING FORBEARANCE ( Please see attached 3 Items to be removed on my Experian Credit Report AFTER Dispute Results Dated XX/XX/2020 ) : 1 ) In " TERMS '' Section REMOVE NA and replace with 360 Months, 2 ) In " COMMENTS '' Section REMOVE Account information disputed by consumer ( Meets requirement of FCRA ) and LEAVE BLANK, 3 ) In REINVESTIGATION INFORMATION Section REMOVE This item remained unchanged from our processing of your dispute in XX/XX/2020 and LEAVE BLANK. 

We are currently trying to refinance our VA home mortgage and obtain a new home loan at a much lower rate with other lenders, but we are unable to do so because my XXXX  ACCOUNT WAS ERRONEOUSLY REPORTED IN FORBEARANCE BY XXXX AND EXPERIAN HAS FAILED TO REMOVE THE FORBEARANCE OFF MY CREDIT REPORT. I am demanding that Experian immediately correct the above errors by removing inaccurate information as this is preventing us from working with any lenders to our detriment. 

Please See the Following Attached Supporting Documents : 1 ) Experian Credit Report AFTER Dispute Results Dated XXXX 2 ) Letter from XXXX Removed Forbearance Dated XXXX 3 ) Letter from XXXX Account Removed From Forbearance Dated XXXX 4 )  XXXX  Acknowledgment Email - Removed Forbearance Dated XXXX 5 ) XXXX   Acknowledgment Email - Cancelled Forbearance Dated XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I recently obtained a copy of my credit reports, as I was revewing everything I noticed some unauthorized ( hard inquiry 's ) reporting on my files with the CRA transunion, I have sent disputed letters certified mail, also disputing over the phone only for them to tell me there 's nothing that they can do, these unauthorized inquiries need to be deleted/removed from my credit report ASAP, I have no accounts linked to these inquiry 's. 

UNAUTHORIZED INQUIRIES : XXXX XXXX
Product: Mortgage

I paid my mortgage on time every month and now they are charging me a corporate fee of {$40.00} every month.when I asked what was this for they said an inspection. There has been no inspection of my home. My mortgage company is Selena Finiance.
Product: Checking or savings account

I already had 2 preexisting bank accounts open at Chase Bank. A college checking account, that I had opened at a physical branch, and a savings account that I had opened online. I had no problems opening or using the accounts for months. On XX/XX/2021 I opened a second savings account online. I did not deposit any money into the account or use it for anything at the time of opening it online. The next day ( XX/XX/2021 ) I went to my local Chase branch and deposited some money into my college checking account without an issue. Not even minutes later, I check my Chase mobile app to see a message telling me that my accounts are restricted and I can not use online banking. Since I was already at the branch, I decided to go inside and get it straightened out. The banker tried his best to be helpful but whomever he was speaking to on the phone informed him that my accounts were restricted and he ( my banker ) was not allowed to tell me why. I called customer service the next day in an attempt to get everything straightened out and was told that I just needed to go into a branch and provide a state-issued ID to have access to my accounts again. Although, that same day I had received an email stating that Chase was going to close all of my accounts without a clear reason. I went into another local Chase branch this time only to have the same thing happen to me ; the banker informed me that I was having my accounts closed without providing me with a clear reason. I have tried calling multiple times and continually get told that the bank does not have to give me a reason for closing my accounts and ending their relationship with me. I have also been told that there is no way for me to formally request any form of my own records, history, or information from Chase bank to learn why exactly my accounts were closed, without proper warning, over night. After being locked out of my online banking, I was only sent a physical letter with a warning in the mail a week AFTER Chase had already closed all of my accounts.
Product: Student loan

My husband and I both work in qualifying public service positions making XXXX qualifying payments, and were on the IBR repayment program until recently. We switched to REPAYE to lower our monthly payments for the remainder of the time we have to make XXXX qualifying payments. 

We were told that the process would involve our loans being temporarily placed on forbearance, during which time we would need to make $ 5 monthly payments. After that time, we would start making payments at the rate determined by our REPAYE eligibility. 

His experience went as described, though the time between his last forbearance payment and the first REPAYE payment was not a full month. 

My experience did not go this way. My loans were taken off IBR, then placed on forbearance as described. My forbearance ended XXXX/XXXX/16, right after I made a {$5.00} payment. My account said I had a full payment of {$260.00} due XXXX/XXXX/16 - not the REPAYE payment I was told would be due ( per a letter on XXXX/XXXX/16 would be {$53.00} starting XXXX/XXXX/16 ). One PHEAA staffer told me on the phone last Friday that the showing of the {$260.00} was to let me know what my full payment would be if I chose to opt out of REPAYE and that I could ignore it. An email from a XXXX stated otherwise, indicating that if I did not make the payment, it would go to collections, and other problems would ensue. 

I hope my payment due XXXX is truly for XXXX as their XXXX letter states, and that this is the last of our issues with PHEAA, but I just do n't trust them and want CFPB and the public to know to be on the lookout. I hope CFPB can pressure PHEAA to be more consistent with keeping their word, and less apt to make mistakes like this that can put borrowers in an undue hardship. 

Thankfully, my husband has done his research, and read many stories of scenarios like this happening with PHEAA and other servicers, and planned accordingly. He had bad experiences with XXXX XXXX before refinancing with PHEAA, and his process of refinancing went very poorly due to inconsistent communication from PHEAA, so he was on the lookout. We made the {$260.00} payment, though it will be a few days late but it should be well within our grace period. This is in an effort to avoid the account going to collections. Others facing this may not be so lucky. 

Thank you for looking into this issue, and please warn other borrowers to watch these student loan servicers like hawks - assuming they will make mistakes ( intentionally or not ) so borrowers can be prepared to deal with it when it finally happens - which seems like an inevitability.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX
Product: Credit card or prepaid card

XXXX    XXXX   I had a bunch of fraudulent activity on my credit cards. I reported it to my bank  ( USAA ) i mmediately, however it took them quite a while to get the claim completely correct. Now, a year later after having issued permanent credits to my account, they have decided to reverse this action and make me liable for purchases I did not authorize.
Product: Credit reporting or other personal consumer reports

Service Finance Company reported wrong information on my credit report to XXXX XXXX on XX/XX/XXXX. My monthly payment of {$130.00} is reported as {$190.00} and a late payment balance of {$380.00} is reported on my credit report. There has never been a late payment on this account. My payment is made electronically drawn by the creditor each month [ since day one of this contract ]. Two years ago, I told this creditor that their reporting would create problems. In the beginning I was told that the payment of {$130.00} would remain level throughout the billing if conditions were met. On XX/XX/XXXX, after a long fight with creditor {$11000.00} was paid to the account in keeping with the original contract ( see attached ) meeting the requirements necessary to keep the payment level at {$130.00}. I can not afford this large increase in my payment.
Product: Checking or savings account

I filed a complaint against this bank earlier this year. My wife had an account that she closed in XXXX. We lost online access to that account immediately after she closed it and could no longer see any charges or funds being processed. Approximately 60 days after that, I was paid by a new job, and the bank seized my entire paycheck. The bank seized this money out of my account because my name was on my wife 's account. After my wife closed her account, many charges were posted to the account that we have no recollection of authorizing. We could not report the erroneous charges within the legal time frame because we were unaware that the account was still actively processing charges. Again, we closed the account and no longer could view details. We claimed fraud and disputed the charges that should not have been able to have been processed after we closed the account. The bank 's associates insisted that we still had access to our online portal to view account details when we did not. We repeated this dispute process often enough that the bank " flagged us '' for disputing the charges so many times. Eventually, the bank elected to exercise its right to stop doing business with us. This event has caused severe financial stress in our lives as we were in the middle of moving right as the pandemic caused a nationwide shutdown. I had charges pending to my account that was valid that USAA flagged as fraud and then refused to pay. I have had to pay several large bills twice because of this. There has been no accountability for where our money has gone, including the federal government 's initial stimulus payment for COVID-19 relief. An executive assistant called me after I made this complaint the first time and said that they found no wrongdoing in their own internal investigation. I disputed the contents of their findings over the phone. I have not received the information from this bank that I need. We have called them multiple times to get paper copies of our statements from the account to try and understand what happened. We still receive emails about an insurance payment being due when we no longer conduct business with them. I have found that this entire struggle has been woefully opaque. We have had to try and construct logs of everything that has happened from our memory without concrete detail because we trusted the bank to deal with us fairly. Whomever of their associates we talk to has notes of every call and transaction, but we do not have the same level of information. We feel disadvantaged and robbed. We do not have any statements, bills, or online portal access to access any evidence with which to dispute the charges. We were entirely reliant on this financial institution that we trusted with our money. Friends and family, coworkers, and associates are shocked and appalled to hear my story. Even legal consultation tells us that everything the bank did was legal. So we have absolutely no recourse against this large organization. We feel underrepresented, taken advantage of, and misinformed.
Product: Debt collection

I received a letter from your company stating that you are attempting to collect an alleged debt. For starters, I do not owe your company any money, for two how in the world are you collecting a debt on behalf of another collection company? So, are you insinuating that I had an account, or some type of credit was lent to me on behalf of Credit Central? I have not done any business with your company, or any other company involved. 

I need you to provide legal proof that I have the right to do business with you, what bounds me to you? What kind of business dealings have I done with you? Please provide me with a full debt validation, I am demanding that you remove this account from my credit reports at once, it is absorbed that your company would put something like this on my credit file. Not only do I not owe you any money, but I know for sure that a collection can not collect a debt on behalf of another. 

My lawyer has advised me to contact the FTC as well as the CFPB which I have done so. I am currently waiting on the hard copy of the police report that I have filed against your company and all companies involved in allowing this false account to be reported to my credit file. Please remove this account in 3 business days from this letter. This false account has tarnished my credit file. 

I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete and relevant information has not been omitted.
Product: Credit reporting or other personal consumer reports

Dispute of Incorrect Addresses and Phone Numbers on Credit Report Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, specifically old or incorrect addresses and phone numbers that appear under my personal details. These outdated or incorrect entries are inaccurately affecting my credit report, and I request that they be corrected and removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The addresses and phone numbers I am disputing are as follows : Disputed Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX AV, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX Disputed Phone Numbers : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX The phone number listed is outdated and not associated with me. I respectfully request that it be investigated and removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this matter within 30 days of receiving this dispute and provide me with the results of the investigation. I would appreciate it if you could confirm the removal of this incorrect phone number from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these inaccuracies have been corrected. 

Sincerely, XXXX XXXX
Product: Student loan

In XX/XX/XXXX I graduated from XXXX University with a XXXX XXXX and approximately {$85000.00} in student loans. That was around the time that the federal government enacted the public service loan forgiveness ( PSLF ) program. I contacted my loan provider, Citibank, to consolidate my loans and discuss repayment plans. They never informed me that I was eligible for the PSLF and did not assist me with obtaining the correct type of consolidated loan or repayment plan needed for the loan forgiveness program. It was several years later that I learned about the PSLF program and contacted my loan provider to make sure I was fulfilling the requirements. I then spent the next 10 years working with XXXX XXXX XXXX  as a XXXX XXXX XXXX for various companies. In XX/XX/XXXX I applied for the PSLF and was denied. I was told that I had the right repayment plan but the wrong type of loan despite consolidating the loans with the specific intent of meeting the requirements for the PSLF program. This was the first time that I realized that I was mislead by Citibank. 

At some point my loan was purchased by XXXX. I then consolidated my loans again and reapplied to the IBR plan with the specific intent of working towards the PSLF program. I was told by XXXX that everything was in order, that I met all the requirements and I restarted the clock. In XX/XX/XXXX I called XXXX to check on the status of my progress as I was confused about why I had not received the yearly application to renew the IBP plan. I was informed that I still was not making progress as this time as I had the right loan but the wrong repayment plan. This was the second time that I realized I had again been deceived by my loan provider. I then called XXXX to inquire as to how this happened as I was laboring under the belief that I had everything in order. XXXX confirmed the consolidation was successful but that they never received the application for the IBR plan. I told them I didn't know how that was possible because 2 years ago I was told by Navient that everything was in order for the PSLF. The XXXX representative said that he was sure I was told that but that's not how it is now. He proceed to tell me that even though I don't have the IBR plan my current standard repayment plan also met the qualifications for the PSLF program. I told him he was wrong that I needed the IBR plan. He again said that the standard plan met the qualifications for the PSLF and  only after my insistence and double checking his facts did he acknowledged the mistake. This was the third time I was lied to by my loan provider. I have been mislead, misdirected, manipulated, and flat out lied to by my loan providers for the past 12 years. I have made career and life decisions based on the false information they provided me. Their actions are a flagrant abuse of power with the specific intent of deceiving the borrowers, bilking us out of our hard earned money, and forbidding us the financial debt freedoms awarded by the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the collections accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2022. Both accounts were paid with the understanding that they would be deleted from each credit bureau. XXXX XXXX is reporting as settled but it was supposed to be deleted from Transunion and XXXX. XXXX XXXX XXXX was also supposed to be deleted but it is reporting as settled and paid on XXXX, Transunion, and XXXX.
Product: Money transfer, virtual currency, or money service

I contacted Wells Fargo. Case number XXXX response by XXXX XXXX. 
I have reason to believe money or a fudiciary transaction XXXX have occured in my name or former names on my behalf even though I personally do not have knowledge of any Wells Fargo account in my name, I have no account number nor social security number as I do not live in XXXX. I am currently living in XXXX and I am a XXXX XXXX XXXX XXXX The names relevant to any account held in my name would be : XXXX XXXX XXXX ". ". XXXX " ". XXXX XXXX surnames involved may be : XXXX XXXX XXXX XXXX I can not go into lengthy reasons here as to why I suspect this fraud, and Wells Fargo have stated they have no knowledge of any account but I would respectfully ask that you would make your own enquiries on my behalf, and they recommended that I contact you. Should you need further information please contact me.
Product: Debt collection

This is regarding my XXXX service. Had to stop service due to move. Its a matter of returning all rental equipments to XXXX. I made a mistake, missed one equipment but returned it too after being informed there is one more to return. I have receipts If needed.
Product: Credit card or prepaid card

After returning from  XXXX , I found my credit card was declined in the states. After talking to customer service, I was told there was a breach at a business and I was issued a new card but had not activated it. This breach was found the previous month. There was no new card, no communication to me and I was told I could receive a new one in  7 to 10 bus iness days. They " expedited '' this t o 3 to 5.  I have an issue with the company completely cutting off a credit card in good standing, paid up to date, with no communication to the card holder. I checked phone logs and there were no calls or emails. By a mere one day, I could have been in  XXXX  with no credit card. Also not sure why they let me continue to use it in  XXXX  when they were aware of this Breach.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I sent a notice to such company to opt out with information sharing on XX/XX/XXXX. I have never received notice or disclosure to opt out per XXXX XXXX XXXX. Furthermore, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization, I, the consumer XXXX have given you written, unwritten, verbal and nonverbal to any third party that is effectively immediately and indefinitely.Per the privacy act of XXXX, such financial institution violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed.