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

I have disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as TransUnion, XXXX, XXXX  have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent multiple letters to XXXX and Experian regarding the inaccuracy on my report showing a missed payment on XX/XX/2021 with XXXX. The payment was made is showing on my XXXX consumer report as paid but furnished on Experian and XXXX as late. This a violation of the FCRA and is affecting my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if they're inaccuracies? The Date Last Active is inaccurate, and Date Last Reported is inaccurate. The Credit Type is inaccurate, The Account Status is inaccurate, The Payment Status is inaccurate, The Late Payment Status is inaccurate, and the Account type is inaccurate. This is grounds for removal in addition to violating my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act this creditor has violated my rights. Under 15USC1681 sec 602 states I have a right to privacy. 15USC1681 sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, Iwas charge fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

I have had my Chase United Explorer Credit Card since XXXX  and have never made a late payment. My card is on auto payment from my Chase checking account it averages ( {$180.00} a month ) for the monthly payment due on XX/XX/XXXX I canceled the auto payment due to me scheduling a larger payment of {$480.00} from my XXXX Bill Pay option ( see attached ). XXXX did not process the payment till the XXXX and sent it to me as a check days later as you can see I deposited it in my checking account once received. I paid the usual {$180.00} prior to me receiving the check once I saw the payment was delayed and was going to just pay the remainder of the original {$480.00} payment I intended on making once I recieved the payment. When I went into my account it stated I owed {$630.00} when I called customer service they stated that they raised the owed payment from XXXX and added an additional month due to me being late this outrageous and I asked for this to be adjusted as I have never been late along with the fact that I had not used the card in months due to Chase constantly putting unwarranted Fraud alerts on my card even though I have never reported Fraud on the card I have always pressed yes when I received the text message if I made the purchase and I also called and complained after be embarrassed on several occasions when I attempted to use this card. Even when I called to complain about the bill I was told my account was under review for Fraud with purchases when I asked them what purchases and how when I had not used the card in months they could not answer me. So now they have my card as delinquent unless I pay an additional {$430.00} that is out of control. So they are attempting to jeopardize my credit and credit limit when I have been with chase for 10 years and never had an issue with my card.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. XXXX is reporting inaccurate, incomplete, or unverifiable information in violation of 15 U.S.C. 1681i ( a ) ( 5 ) and has failed to conduct a proper investigation, disregarding consumer protection laws. I request that XXXX conduct a thorough reinvestigation of the wrongfully opened lease account by Toyota Motor Credit through Toyota XXXX and provide all documentation used to verify the disputed information, including any applications or agreements associated with this account. Additionally, I expect XXXX to confirm whether it has independently verified this accounts legitimacy, as it remains the only bureau reporting it as open. The account XXXX was wrongfully opened on XX/XX/year>. We have already contacted Toyota XXXX, and they have reached out to Toyota Motor Credit regarding this matter. Furthermore, XXXX correctly reflects the account as closed, yet XXXX continues to report it as open. This inaccuracy is negatively impacting my credit, and I demand immediate correction. Please provide a written response confirming the results of your reinvestigation on XXXX within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

WELLS FARGO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Mortgage

I refinanced my mortgage with XXXX XXXX XXXX in XXXX. The first payment was due XX/XX/2021. The closing document provided payment coupons with the following information on them : Pay To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Amount : {$1200.00} Loan # : XXXX On XX/XX/2021, I used my bank 's bill pay and sent a paper check for {$1200.00} to the above address and loan number. The check was cashed and posted on XX/XX/2021, to the following bank account : Account # : XXXX Routing # : XXXX Shortly after sending my first payment, I received a notice that my bank transferred my loan to XXXX Dovenmuehle Mortgage  Incorporated ( DMI ). With that notice, I also received a new loan number and mailing address. 

The XXXX payment that was sent to XXXX was never transferred to DMI. I have provided DMI 's research department a copy of the paper check that includes the account and routing number that the check was deposited in. 

XXXX 's payment still has not been credited to my account and I am continuously receiving calls from DMI stating that they are trying to collect a debt for the missing payment. In addition, they are charging a late fee and stated that the missing payment can be reported to the credit agencies.
Product: Checking or savings account

On or about XX/XX/, I received my business checking account statement from Chase Bank. The statement indicated that four online purchases had been made from XXXX, on XX/XX/XXXX, XXXX, XXXX and XXXXXXXX XXXX using my business debit card. I have never made any purchases from XXXX using the card, did not make the four charges in question, did not authorize anyone to make the purchases, did not derive any benefit from the purchases, and always had the card in my personal possession. I immediately notified my bank of these unauthorized chargers and was issued four credits on XX/XX/XXXX XXXX XXXX 

On XX/XX/XXXX and XXXX, two of the charges which had been removed from my account were reversed back. Despite my numerous disputes and requests for verification, Chase refused to provide information for the charges and continued to claim that XXXX had verified that the charges were authorized and valid, and that the products had been delivered. XXXX refused to discuss the matters with me, directing me back to my bank. 

Finally, on XX/XX/XXXX XXXX XXXX I received the transaction invoices from Chase for the two disputed charges, which showed that Chase had authorized the charges to my account and was continuing to claim the charges were valid, despite the invoices showing the following : The charge on XX/XX/, for {$38.00}, was made by XXXX XXXX, billing address XXXX XXXX XXXX XXXX, XXXX, IL, email XXXX and shipped to XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, SC. 

The charge on XX/XX/XXXX XXXX for {$110.00}, was made by XXXX XXXX / XXXX XXXX, billing and shipping address XXXX XXXX XXXX, XXXX XXXX, MA, email XXXX. 

I have never heard of any of these people. The billing address for all my business and personal accounts, and my sole business and residential addresses at the time, and for the previous 4 decades, were in XXXX and XXXX, Texas.
Product: Mortgage

On XX/XX/XXXX at XXXX XXXX  I refinanced a property I own in Rhode Island. Shellpoint Mortgage Serving, charged me a 5 % pre-payment penalty. 
Principle Balance on payoff date XXXX Prepayment Penalty XXXX I contacted Shellpoint on XX/XX/XXXX and told them the maximum prepayment penalty in Rhode Island is 2 % but only in the first year of the mortgage. My mortgage was originated on XX/XX/XXXX. 
However in reading Dodd-Frank which was implemented in XXXX of XXXX, it seems that prepayment penalties must meet ALL of three criteria. My mortgage did not meet the last criteria. 
The loan is not a higher-priced mortgage loan. ( A higher-priced mortgage loan is a mortgage with an annual percentage rate higher than a benchmark rate called the Average Prime Offer Rate, which is an annual percentage rate that is based on average interest rates, fees, and other terms on mortgages offered to highly qualified borrowers. ) It is my premise, that my mortgage does not qualify under Dodd-Frank for any prepayment penalty because my loan was at 6.125 % while the APOR for XXXX topped out at 3.8 %. Therefore : only two of the above 3 conditions were met. 
I have called Shellpoint Customer Service and requested someone from their legal team call me to discuss my situation 4 separate times. I have put my request in writing via the Shellpoint Customer service online application. No one has returned my calls. At one point I asked the customer service representative when they had called me. I was told I was called at XXXX XXXX. However I was on my cell phone waiting for customer service to answer my call at that time. My cell phone would record any missed calls, and would make me aware of a second incoming call if I were on a call.
Product: Credit reporting or other personal consumer reports

Its upsetting to know that my rights as a consumer are being disregarded. Like everyone, I place a high value on my credit score, and the errors on my credit report have harmed both my financial opportunities and my mental well-being. Ive been working to resolve these issues for some time, but my requests to correct the inaccuracies in my credit report have repeatedly been ignored or dismissed.
Product: Credit reporting or other personal consumer reports

I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.
Product: Credit card

I have been diligent in maintaining timely payments on my account and believe that the reported late payment is inaccurate.
Product: Credit reporting or other personal consumer reports

I have a balance of {$110000.00} for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report as a balance. They were paid them in full on XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate and unlawful information on my consumer report. 

Experian has allowed creditors and debt collectors to report alleged accounts, including illegal charge-offs and collection accounts, without verifying or validating the information as required by law. I have taken the proper legal steps to dispute these accounts, including notifying Experian on XX/XX/year>, of the violations under 15 U.S.C. 1681e ( b ). Experian has failed to follow this law, which mandates consumer reporting agencies to ensure maximum accuracy in reporting. 

Despite providing this information, Experian continues to report inaccurate and unverified data on my consumer report, including accounts that violate both the FCRA and the FDCPA. These actions are harming my credit profile and are in direct violation of consumer protection laws. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and require Experian to delete these unlawful accounts from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

ENHANCED RECOVERY CALLED ME ABOUT A DEBT AT FIRST I DIDNT KNOW WHO OR WHAT THEY WERE BUT I SETTLED THE ACCOUNT THINKING IT WOULDNT REPORT OR MESS UP MY CREDIT REPORT. THE ACCOUNT ENDED UP HIT MY CREDIT PROFILE AFTER I PAID THE ACCOUNT OFF AND I CALLED THE COMPANY AND I TRIED TO RESOLVE IT BUT THEY TOLD ME THEY COULDNT. OTHER CREDIT INQUIRIES THAT ARE NOT MINE AND ARE REPORTING FRAUDULENTLY : XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ive disputed multiple times because an account that got sent over to collections has had fraudulent charges and was never mine. Ive asked multiple times for them to send me information on this debt and all it says on credit report is account disputed by consumer this account was verified as accurate Im not exactly sure what to do about the fraud since this just randomly showed up on my credit report a year ago. Ive disputed this multiple time, including this week. Ive also done an identity theft report with the ftc.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$11000.00}. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$7000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$880.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3800.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and noticed unauthorized inquiries. Tried to get the issue resolved to no avail. Was told that the inquiries would be deleted but they still show on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  a for y experience the worst companies on earth. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a MONOPLY business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2022 I received five emails from Bank of America to my old email address ( with my previous name ). I do not own a Bank of America account. I have never used Bank of America. 

The emails are basically as follows and were received within seven minutes total. 
1 ) Verify your email address ( they used an old email address and used my old name ) 2 ) Online Application is in Progress 3 ) Application was Approved 4 ) Welcome to Online Mobile and Banking 5 ) Email Address was updated All emails were forwarded to XXXX XXXX  XXXX When I attempted to call, bank of america would not allow me speak to any representatives because I don't have an account there ( which, duh, I'm calling to say someone opened an account without my knowledge! so of course I don't have the account information! )