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

This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active navment histor Ihis inaccurate intormation talsely maninulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my nights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... Transunion , To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXX XXXX XXXX XXXXXXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXX {$530.00} acct # XXXX XXXX ) XXXX XXXXXXXX {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Product: Checking or savings account

Juno, as XXXX supported by XXXX with funds under the care of XXXXXXXX XXXX and XXXX XXXX XXXXXXXX, TN has made it impossible to use debit cards or ACH to withdraw funds from my checking account, of which I have several XXXX dollars in. This is completely unacceptable and I want access to my funds immediately without any further delay. 

Juno tells customers that this is the issue of a dispute between XXXX  and XXXXXXXX XXXX and to contact the Federal Reserve of XXXX XXXX or the CFPB for assistance in accessing my funds.
Product: Vehicle loan or lease

I needed to buy a car so I went online through XXXX XXXX and they did my supposedly credit report online and my down payment was supposed to be {$990.00}. Went to XXXX XXXX XXXX  location and it was a different story I had to put down a {$2700.00} down payment on a XXXX XXXX XXXX and that was purchased on XX/XX/XXXX of XXXX. So then I made my first payment two weeks in advance and then on the second payment I was going to make on this Friday which my second payment was I think 10 days past due and they came to repossess the car and they kept telling me what I talked to Bridgecrest because that's who it is financed through and then they tell me that it was in my contract that I would have to make the first the second payment on time which I kept reading through the contract and it does not say that and I told him that I was going to make the payment this Friday and they still came to repossess the car. And that they told me for me to get my car back I would have to pay the car completely off and then I would not be able to get my car back until 4 to 6 weeks after the fact that way they can inspect the car. When I first bought the car the car has paint chipping off. It has a major scratch that with the paint does peel off the primer is coming off with it there is also there is a shimmy the front left side of the car. And the back side by the both quarter panels one of the side and I do believe this the left side that is off by XXXX inches. And they are telling me that the car was never wrecked but I'm pretty sure the car was wrecked. But when I purchased a car they never told me that I would have to make the first and second payment on time.
Product: Bank account or service

I have a bank account with BoA where I have been a account holder for over 16 years, I have my mortgage and direct deposit with them. I requested overdraft protection with them on my regular checking to be funded by my direct deposit account, instead it was setup backwards, now I am not sure how it occurred but the bottom line is I have over a {$100000.00} dollars in cash and bills flowing through them every year. I guess I am so small that they need to charge me for fees that I should not have been charged for and then can easily tell me no we will not help you. I called on XXXX/XXXX/2016 to their help line and was told no we can not help you. I am going to begin to move my funds away from them ASAP but just wanted to file a formal complaint on a company that does not care about it 's customers. I know they see all of the cash flowing through my accounts and could have easily refunded the small {$35.00} fee. I know if XXXX folks ask for {$35.00} it 's XXXX but I am sure it is still a small amount compared to the XXXX they make and the salary of their CEO.
Product: Mortgage

1 ). Original Loan Amount {$240.00} ). The 2 % is to reflex from the {$240.00} ). New Loan Amount {$370.00} ). The settlement Agreement was to Waive ALL prior, late charges that remains unpaid5 ). Mines does not reflex that6 ). First 5 years my Monthly Prin. & Int. Amount does not reflex a 2 % interest rate, It reflex a 4 % interest rate. 
7 ). A 2 % times $ XXXX=XXXX, not {$980.00} ). How did they come up with {$980.00}? 
9 ). My trail payment for the 3 months was {$1500.00}, for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
10 ). My new monthly payment for the next 5 years is at {$1500.00}. 
11 ). How did they come up with those payment, where is my 2 % settlement agreement. 
12 ). Nation Star Congratulation Letter! States : You are eligible for a Home Affordable Modification. As previously described, if you comply with the terms of the Home Affordable Modification trail period plan, we will modify your mortgage loan and WAIVE ALL prior late charges that remain UNPAID, part of the settlement agreement. 
13 ). Section XXXX, is Misleading14 ). The Whole contract is Misleading. 
15. All Nation Star is doing is setting me up another Predatory Loan, same thing that XXXX XXXX XXXX did. 
I have not made the XXXX 2015 payment base of the New Modification Loan, because I feel and believed that I am going to have to go and get a Lawyer because No one is holding the Mortgage Company 's accountable for the settlement agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is an account that does not belong to me. I called XXXX   only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is this account not mine but it is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent, these accounts 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.
Product: Mortgage

On XX/XX/XXXX, I completed a Penfed loan application with a locked interest rate of 2.375 % and a lender credit of {$2600.00}. On XX/XX/XXXX, XXXX XXXX, my load officer from Penfed, requested that I submit additional military documents to the Penfed loan office. After calling Penfed XXXX number on XX/XX/XXXX, I was made aware Penfed canceled my appraisal status, and XXXX XXXX did not notify me of these changes after numerous requests of my loan status via phone calls and emails. Neither my real estate agent nor the seller 's real estate agent knew that Penfed withdrew my loan application on XX/XX/XXXX. 

I was only given twenty-four hours to obtain the documents and needed for Penfed to approve the loan for approval before Penfed rejected my application. I have XXXX days to produce these documents before Penfed cancels my application. On XX/XX/XXXX, during a conversation with XXXX XXXX, I was informed that XXXX XXXX, a Penfed employee, negligently withdrew my first loan application on XX/XX/XXXX. If I was notified sooner I could have used my financing contingency clause to not lose my earnest money and walk away or seek another financial institution without any damages. I feel that I was baited with a lower interest rate then wrongfully pushed in to a corner, having my choices eliminated due to the action of Penfed and its agents. The way the current deal is structured today with 2.625 % interest rate, paying an originations charge of {$740.00} and only getting {$1000.00} lenders credit. I will end up paying out thousands of dollars more over the life of the loan to the benefit of PenFed. 

Buying a home should be a joyful occasion, but Penfed 's lack of communication has turned this experience into a negative experience for me. I chose Pedfed base off of the original terms of the contract. I should be made whole by Pendfed honoring the original terms, including the 2.3 % interest rate and the {$2600.00} lender 's credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a delinquency listed on my credit report, which I believe to be inaccurate. I have recently reviewed my credit report, and I have found an entry that appears to be a mistake. The account in question is XXXX XXXX XXXX I would like to request that you thoroughly investigate this matter and correct any inaccuracies on my report. The delinquency listed does not reflect my actual payment history, and I am concerned that this is an error. Please review your records, including any supporting documentation, and make the necessary corrections to my credit report.
Product: Debt collection

I am a victim of fraud and have inaccurate reportings. Someone is using my information. 

COMENITYCAPITALBANK/ULTA Reported XXXX XXXX. XXXX XXXX + {$680.00} Needs Attention COMENITYCAPITALBANKXXXX Reported : XXXX. XXXXXXXX XXXX  + {$680.00}
Product: Payday loan, title loan, personal loan, or advance loan

So apparently for the last XXXX or 6 months I have been dealing with an online scanner using my data to take out a loan in affirm company to buy stuff online. When I saw that I owe money to XXXX, I was like wait. I never took out a loan for XXXX to only find out that theres all these other loans and that I am past due I am delinquent the money was being taken out of my chase credit cards, so Im not quite sure how someone had my credit card my Social Security birthday address email whatever it is and pretending to be me taking out this loan. I contacted a firm about XXXX times along with XXXX XXXX which I submitted a complaints about them as well and it just seems like the XXXX companies can not work together to figure out this dire situation. I take pride in my credit and it has now given me XXXX dings on my credit for late payments. I originally according to XXXX paid for these loans through my credit card that I contacted them as this is fraud, they gave me they reverse the charges. Give me a new card. It was done again same thing again they gave me they reverse the charges giving you card now its being done again, and Its like Im living a nightmare. I have no idea what to do where to turn to because every time I talk to somebody its several things that they can not give me a complete answer. Theres another department I talk to you that departments not there. Ill have to call tomorrow morning then when I do call that department, not there theyre busy and its just this ongoing battle uphill against myself and as a single parent, I am struggling already and it is not fear that I have to struggle even more to figure out. Can I even get a loan to get a part or a condo? I dont even know because no one will help me here and I feel like Im in a bad dream.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my Spouse have similar first name with different last name. Transunion keeps messing up our credit report. When we applied the mortgage, the credit report show that my spouse doesn't have any accounts under Transunion and her credit score is XXXX, and some of her accounts and loan is under my credit report. Called Transunion few times, they use MY name and date of birth under Her SSN. She tried to file dispute and mail all the documents they required ( copy of SSN and driver license ) to them, and I called them to dispute the accounts which do not belong to me. Two weeks later, my spouse called them to confirm they have received the documents, and dispute the accounts which do not belong to her ( should be under me ). And when I called to check the status of my dispute, they said there is no dispute case under my name, and I don't have any accounts and credit history under my name and SSN. My credit score is XXXX and I can not even see my credit information from Transunion website ( which I specially paid for this issue ), and I couldn't even log in after few hours later. Provided all the information again, and they submitted a " CASE '' and need me to call back for another 5 business days and " hope '' to get it corrected.
Product: Money transfer, virtual currency, or money service

Hello to anybody reading this I recently started selling on XXXX with a new paypal account I understand why they put my money on hold for almost 2 weeks what I dont understand is. even after all packages I sent were delivered and signed for and I received 0 complaints and they took my money off of hold they refused to let me transfer my money into my bank account which is legally mine and they put my account on lockdown for 180 days for no reason when i called the customer service they was very rude and the supervisor also. they put me on hold multiple times for no reason sometimes for 30 minutes and hanged up this all took place between XX/XX/XXXX to XX/XX/XXXX 1
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, I discovered some incorrect information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX  credit bureaus are required to validate these accounts. It is not permissible to report unverified information without providing proof within the legally specified time frame. The following erroneous information on my credit report needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$9900.00}, XXXX XXXX XXXX XXXX Balance Owed : {$580.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00}, XXXX  XXXX Balance Owed : {$650.00}, XXXX XXXX Balance Owed : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit card

Payment Due Date was Saturday, XXXX XXXX, and was charged a Late Fee by Chase on Sunday, XXXX XXXX. Made Electronic Payment ( ACH ) on first Banking Day after Due Date, Monday, XXXX XXXX. Like XXXX XXXX Mail, ACH is only 'delivered ' on Banking Days, but Chase XXXX illegally I believe, insists payment must be received on Due Date, even though that is impossible. When I called, Chase said, since it was my first time, Chase would 'forgive ' the XXXX XXXX. It appears Chase actually does n't want people looking into their illegal practice of charging this Late Fee.
Product: Mortgage

We have two mortgages for investment property with PNC Bank. We have continuously tried to get them to include the property address of the mortgages on the escrow account statements and other correspondence, with no avail. Because they are not including the address, they have misapplied tax and insurance payments on numerous occasions. 
The properties in question have the same street address, but different building numbers. We have mortgages with other companies that include the mailing address along with the property address of the loan in question. We are not asking a lot to have the property address listed on ALL correspondence. Therefore, we are asking you to contact them to assist in resolving this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX  XXXX  ( Regulation V )
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that accounts : XXXX XXXX XXXX Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. The have also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not finish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove the XXXX XXXXXXXX account because it wrong 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Under section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.
Product: Mortgage

I refinanced my mortgage with the original loan company that provided me my first time home owner loan. I was very comfortable with Envoy and their services. My refinanced loan was immediately flipped and now managed by PHH mortgage. I reduced my mortgage in my refinancing by a few hundred dollars. Now, under PHH mortgage they are charging me a " fee '' $ XXXX+ to pay my mortgage online?? I find this absolutely ridiculous in the day and age of online payment and really feel like they are taking advantage of folks. I do n't want to be even dealing with this company, received no notice of any of this occurring and really feel powerless and concerned.