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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus Last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts : XXXX  XXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} Consider this as a follow-up complaint to my previous letter and to notify you to validate the aforementioned accounts
Product: Credit reporting

Equifax by its actions and inactions encourages identity theft and misuse of credit reports
Product: Debt collection

I had a XXXX in XXXX for a XXXX XXXX. I had 2 bills that were issued after insurance company had paid and I had paid what I was told was my portioon. I went round and round with the two differect collection companies until I could find out what the bills were for. Once I did, I paid the bills. 

Now, on XX/XX/XXXX I received a call from " Quantum Collections '' saying that I owed {$3000.00} for a mdical bill from the Hospital. I said that I did not owe any more money, I ask what the bill was for and was told again that it was for services from the hospital. So I asked what procedure it was for, at which time the caller got rude and told me that I would be sued if I didn't pay. I blocked the caller, because after my erlier experience, I know I don't owe XXXX more money. Now, I often calls for which my call blocker notifies me. Today I received 3 calls and I am tired of them and think its time that they are exposed for the scammers they are. FYI, They also call from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all 3 Bureaus Transunion, XXXX, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at transunion by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), This account has resulted in a negative account reappearing on my consumer Experian credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of my police report and FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items listed on my report that do not belong to me and I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. XXXX XXXX : # XXXX, XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The 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 is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

Serious breach of privacy by JPMorgan Chase : My husband and I have all of our accounts wXXXX JPMorgan Chase. Recently, our adult son, who has the same first and last name as my husband, opened a checking account with Chase in XXXX, XXXX. XXXX XXXX was the relationship banker who assisted him with opening the account. When my son went to view his new Chase account online, he was also able to view, access and manipulate money in my husband and my accounts as well as his own. Both my son and I called Chase to let them know about the error and were told one of us had to go into a Chase branch to straighten out the problem. I went to my local branch in XXXX, XXXX on Monday, XXXX XXXX and reported the problem to XXXX XXXX, Branch XXXX. She reviewed my account information and contacted someone in the Chase back office and let them know there was a mix up with my husband 's profile and my son 's profile and that my son had access to our accounts in error. XXXX XXXX gave her colleague the information to correct the problem. They said they were not able to resolve the issue and I was told my son would have to go to the branch where he opened his new checking and give them the " Know Your Customer '' information again in order for XXXX to be able to correct the problem. It is now XXXX XXXX and XXXX has made NO attempt to contact my son to ask him to go back to the branch and provide the info. they need and have not taken his access to our accounts away. It is now over a week since this breach of our privacy has been in effect and my son still has full access to our accounts in spite of my actions to correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and trans union are reporting a XXXX  XXXX on my public record on my credit report they know its inaccurate and they refused to remove it the claim to do an investigation but refused to give me further information on how the investigation took place the source of the investigation and who they are verifying through I have contacted the XXXX  XXXX trustees office and got a letter form them stating that I never filed bankruptcy and for some reason this isnt enough to satisfy them this information is incorrect and even XXXX has determined that the information is incorrect and rightfully removed the item from my credit report but for some reason these companies prefer taking faulty information rather than looking at fact I feel they are violating the FCRA act
Product: Credit card

Tried to transfer membership reward points online to XXXX as the flights I wanted were available, but got an error and a message to call in. Talked to membership rewards and they informed me ALL my points had been frozen, due to a XXXX bonus that I had gotten from my AMEX Platinum card. Did not provide me a reason why they were frozen, but said they would be released on XXXX, as it would have been 8 weeks past the points posted date. Called in today on XXXX and they are still frozen, and have not been provided with an explanation. I have XXXX points, XXXX of which Ive had for over 8 months and yet all my points are frozen. I was able to transfer points to british airways account 2 weeks ago without and issue yet Amex decided to freeze the points again.
Product: Mortgage

Dear sir/madam, Due to the pandemic, I lost my XXXX XXXX and I fell behind my mortgage payments.The lender offered a loan modification which I accepted, it was signed notarized and return but they claimed that they never received it so they cancelled that offer and asked for the full amount due. Eventually they started to accept payment and I'm paying extra every month but it is a hassle to find someone to accept the payment. Today XX/XX/2021 I tried three times with a long waiting period and no one to accept my payment I also found out that my last payment is in suspense. This is so difficult and frustrating and I'm looking for help to get it solved, I would greatly appreciate if someone can help me, Thank You.
Product: Checking or savings account

XX/XX/26 received email from Chime that my account was terminated. 

My savings account has over XXXX XXXX I emailed 3 times to the support email offered and XXXX response. 

I used another persons chime XXXX  to access contact chat as I cant access my account anymore, in order to actually speak with a person. 

The person was rude and unhelpful. He could not tell me why the account was closed. He told me the best he could do was expedite an email. So I resent an email and he said he expedited this was 8-9 hours ago and still no response. 

He also told me my money would be returned after 30 days. When questioned if it was safe to send a check that large he got snippy and said maam, youll get your money I also inquired about what they do to protect that large amount traveling through mail and again, got no answer. 

I have reached out to XXXX as well. 

I just want my account unlocked so I can transfer my money to a safe account. 

I feel like Chime is committing fraud and I would like the company to be investigated.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017, I was injured in the job. I didn't go out of work until XXXX. I haven't been receiving an income, however still tried to make the payments with savings. However, at the moment I have no income an will need a month off or real cheap payments. I tried to do that with cashnetusa but was told I couldn't and threats about my credit. Can you please step in to help resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey cfpb i checked my credit report and noticed there are some errors within it so now im writing in a dispute to see if i can get these deleted because there are not 100 percent accurate from what i'm seeing, I have also reached out to Equifax. This damaged me and held me back so now i have to take action. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on these accounts. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please repair and update these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to report an account after being given all necessary documentation and proof that the debt is not owed to the company. The matter has already been to court and a letter was provided from the courthouse. No money is owed to the collector. It was an illegal eviction.
Product: Credit reporting

As of XXXX XXXX, 2016, I have now submitted on three different occasions, XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, 2016 disputed information to Experian Credit Monitoring Services regarding incorrect personal informatin on my credit report. The fact that my disputes and requests for correction never get addressed and I 'm never even notified by any party on the outcome, if there is an issue ( s ), if there 's a need for additional information, or of anything, I 'm continuing to have to submit disputes to Experian Credit Monitoring Services regarding correction of my personal information. The fact that each time nothing gets corrected, raises significant question regarding the overall reliability, integrity and validity of Experian Credit Monitoring Services of doing any part of their job in investigating and correcting and responding to my inquiries, disputes, and requests. A copy of this complaint is being forwarded to other governing agencies, one of which will include the Office of Inspector General, Federal Reserve. 

On XXXX XXXX, 2016, I submitted an online dispute notification to Experian Credit Monitoring Services, but nothing was ever corrected regarding my dispute of personal information. 
On XXXX XXXX, 2016, I called Experian Credit Monitoring Services and spoke with a representative who identified herself as XXXX and she indicated she was on " Team XXXX ''. XXXX stated she would correct all of my personal information in which I had originally disputed on XXXX XXXX, 2016. We went through each item line by line. 

On XXXX XXXX, 2016, upon reviewing my credit report once again from Experian Credit Monitoring Services, my report is still showing the incorrect personal information that was supposed to have been corrected upon online submission of my dispute and correction request on XXXX XXXX, 2016, and upon my subsequent follow up verbal telephone call on XXXX XXXX, 2016 to Experian Credit Monitoring Services which entailed a verbal discussion with representative, XXXX, who stated over the telephone on XXXX XXXX, 2016 that the personal information has been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX was paid but shows as a charge off on credit report. Experian has not updated account since XX/XX/2021 XXXX XXXX XXXX was closed but it is still showing on my report. Experian has not updated report since XX/XX/2021 XXXX account has been closed but it is still on report. Experian has not updated my report since XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I Called Lending Club and Paid Complete Balance XXXX ( approx ) In Full Via Phone. 
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO TWO PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT 30 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED. 
LENDING CLUB HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES. 
3RD WEEK OF XXXX I CALLED LENDING CLUB EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A LENDING CLUB EMPLOYEE THAT THE 2 STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING. 
PLEASE LOOK INTO THIS AGAIN. THANK YOU
Product: Credit card or prepaid card

I applied for a CITI Double Cash Card on XX/XX/XXXX and got approved on the same day. I was told I would receive the card within two weeks. I didn't. I waited for about a month and called them, They said the card might be got lost and they were going to send me a new card in a week. Again, I didn't receive the card. I called again after waiting for a couple of weeks. This time they told me they closed the card and I would have to apply again if I needed the card. I was shocked. Later I came to know this incident could affect my credit report and consequently creditworthiness. Therefore, I have decided to file this complaint.
Product: Student loan

I've been having a lot of trouble contacting Mohela customer service in regards to my loan balance. The wait times for customer service are XXXX plus hours and when I do get in touch after waiting they transfer me to another department which can take another XXXX plus hours and by that time they are closed and unable to help. 

I need them to recalculate my loan balance because I have records showing that I fully paid my loan and was actually due for a refund as per the notification they sent me back in of XX/XX/XXXX. 

They sent me a notification XX/XX/XXXX showing that I still owe {$3000.00} plus dollars which is completely inaccurate as I have records showing I paid off my loans as of last year. 

So again I can't get in touch with Mohela to to resolve this inaccuracy and they want me to pay an extra amount because of their mistake.
Product: Debt collection

Attorney XXXX XXXX XXXX, XXXX ( Georgia Bar # XXXX ) promised that after signing a consent judgement dated XXXX that I would be able to negotiate a new settlement at any time regarding the principal amount of {$2100.00} and I called today ( XX/XX/2022 @ XXXX XXXX ) to see if I could discuss it. The lady on the phone said that because the court approved the judgement that the amount owed is final, however that is not the case.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a payment to my mother on Cash App and told her to cancel the payment. Per the Cash App instructions there is a way to cancel the transaction on the recipient 's side but not the sender. Although she tried to cancel it there was no function available on the App to cancel or refund the transaction. 

I informed Cash App of the California Law per their page https : //cash.app/XXXXXXXX Right to Refund for XXXX Residents You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Block, Inc., formerly known as Square, Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to Block, Inc. Finance Department at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the XXXX Financial Code. 

Their Chat Support informed me " This payment was successfully sent. We can not cancel or refund completed payments. '' The payment was not completed by the recipient and they were not given an option to cancel it.
Product: Mortgage

I completed a Mortgage Assistance Program Application with PHH Mortgage. PHH Mortgage sent me a letter dated XX/XX/XXXX that my account was approved to enter into a Trial Period Plan under the Flex Modification. To be considered for a modification, the proposed trial period payments must be completed by their due dates. All 3 trial period payments were paid prior to their due dates. 

PHH Mortgage then sent a letter on XX/XX/XXXX stating that I was eligible for a Loan Modification which would permanently change the terms of my mortgage. I followed all the steps in the letter to accept the offer from PHH Mortgage. Unfortunately, PHH Mortgage sent another letter dated on XX/XX/XXXX because the initial letter sent on XX/XX/XXXX had the incorrect information. PHH did " NOT '' indicate that the second letter was replacing the first letter due to an error on their behalf ... thus resulting in it not being sent by the XX/XX/XXXX. Not only did PHH not explain that this was replacing the first acceptance letter but I spoke with numerous PHH Mortgage representatives to verify that all documentation for my Loan Modification Agreement had been received... .and their responses were " YES '' ... .that I did not need to do anything else on my end. Payments made and documentation received. 

PHH Mortgage sent a letter stating that my Loan Modification was denied because they did not receive my signed modification agreement by XX/XX/XXXX. However, I received a letter from PHH Mortgage on XX/XX/XXXX stating.. '' Once we receive the updated agreement, the account will be reviewed for final modification. Enclosed is a copy of the modification agreement that will need to be signed and returned '' I have all documentation to support what has transpired. The misinformation and errors on behalf of PHH Mortgage representatives has led to my Loan Modification being denied. I truly believe their deception sets up the consumer to fail.
Product: Credit reporting, credit repair services, or other personal consumer reports

waypoint resources account does not belong to me!