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

EQUIFAX IS REPORTING PAYMENT HISTORY ON A CHARGED OFF XXXX  ACCOUNT. IF THE ACCOUNT IS CHARGED OFF WHY IS IT REPORTING POSITIVE PAYMENTS? I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE REMOVE IMMEDIATELY. 

I AM NOT A CREDIT REPAIR COMPANY.
Product: Mortgage

1 ) Bank of America sold my mortgage to XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX Bank of America sent me a letter notifying me of this dated XX/XX/year> 3 ) Bank of America mailed the letter more than a week after it was dated 4 ) XXXX XXXX XXXX  never contacted me and told me how to pay them or set up a payment for my loan. 
XXXX XXXXe # XXXX : Called BofA on XX/XX/year>. 
Reference call with summer - verified recording - XX/XX/year> Reference experience case id XXXX
Product: Debt collection

We were on a month to month lease with XXXX XXXX XXXX XXXX ( XXXX ) & it became too expensive. They took us to court & we moved XX/XX/XXXX. The judgement for the balance owed to them is {$4900.00}. XXXX sent the account to Hunter-Warfield Collection Agency & added thousands of dollars in erroneous charges & fees. We agree that we owe the judgement amount of {$4900.00} but NOT the {$11000.00} that is currently reporting on our credit reports. I'm attaching a copy of the judgement amount which was also reconfirmed, in court, in XX/XX/XXXX. We tried to make a payment arrangement with the attorney but they said we had to deal with the collection agency who would only make an arrangement on the amount they're reporting, which is wrong.
Product: Credit card or prepaid card

Good Morning, This is my second time having to contact you all re : Discover. I do not dispute that I owe them money, however, I called them many months ago to explain that I am not currently working full time due to effects of long term covid. They agreed to lower my interest rate to under 10 % ( from an obscene 25 % ) and to move back the date my payment is due by a week because that is when I get paid. Instead, I have been charge 4 late payment fees totaling {$160.00} and interest at 25 %. For instance, I made a {$1000.00} payment a few days ago on XX/XX/XXXX and they still charged me a {$40.00} late fee. ( I was late by 3 days after I had asked them to change my payment date. ) I don't understand why they are doing this and are not honoring their agreement. I will pay my debt, but I'm asking them to live up to their agreement and remove both the {$160.00} worth of late fees and the many hundreds of dollars they have overcharged me in interest. And on a personal note, I thought this was the way it's supposed to work ... in the sense of, a person is struggling and they contact a company to help them during a rough time and the parties come up with a reasonable solution. I've held up my agreement but Discover continues to overcharge me and seem uncaring about a medical condition that is placing me into severe financial difficulty. I am asking for your help as each time I contact them, they give me rote answers and false promises that they will get it corrected. I am at wit 's end with Discover and need some help. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX ) ( account # ) XXXX, has violated my rights 15 USC 6802 which states a company can not furnish an account without my written permission, they did not have my permission to report an account even after I settled the account and paid it off. 15 Usc 1681b, 18 USC 10282A being they sold my information to a credit without my permission.
Product: Checking or savings account

I had an accident with pnc bank money was continuously missing it was said peoples accounts were being hacked even though I had my debt card they told me the transaction was go old I didnt report it in time well I didnt know what was going on transactions I didnt do
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 PayPal advised me that Id have access to my available balance of {$500.00} 72 hours after I withdrew {$250.00} in two separate withdrawals to the same bank.

It was cancelled and reversed for no apparent reason but them gaining interest on holding the funds in reserve and not instantly transferring them like the advertise on there website. So I tried to withdraw my balance again a few days later for {$430.00} and the same exact experience that was happening to me, happened again, now I filed a dispute and then they decided to close my account and tell me I have to wait 180 days and theyll let me know when I can withdraw my property of money earned by me as a small business owner, Im fed up, I want them held accountable for false business practices and scamming people.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate personal information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to request that only accurate, complete, and verifiable information be reported. The following names, addresses, and employers on my report are incorrect and must be removed immediately. 

1. Incorrect Names to Remove : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX My correct and only legal name is XXXX XXXX. 

2. Incorrect Addresses to Remove : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ID # XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ID # XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ID # XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ID # XXXX ) XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

3. Incorrect Employers to Remove : 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX My correct and only employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 

Legal Basis for Removal : Per the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all reported information is accurate and verifiable. If any of the disputed information can not be verified, it must be deleted. I request that you immediately : Remove the inaccurate names, addresses, and employers from my report. 

Provide a written confirmation of these removals. 

If you choose not to remove any of these items, provide me with documented proof of verification, including the source of this information. 


I have attached a copy of my government-issued ID and proof of my current address ( utility bill/bank statement ) for verification purposes. 

I expect a response within 30 days, as required by law. Failure to comply will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action. 

Please mail your response to my correct address above. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited a personal check from my father into checking account with Chase Bank through an ATM on XX/XX/2020. The check was for {$800.00}, and I completely expected a hold to be placed on the check for a few business days except for the first {$200.00} which should have been made available to me the next business day. At the time I deposited the {$800.00} check, I had XXXX already in my Chase account from my paycheck. Chase put a restriction on the {$170.00} and on my debit card. When I called Chase about my debit card being restricted, they transferred me to their loss prevention department. Loss Prevention first stated that they needed to speak with my father about the check, then later in the day Chase loss prevention stated they needed to speak to my nephew who is the other person on the account with my Dad. My Dad banks with XXXX, and XXXX confirmed that the check was good and it was paid. I communicated this information to Chase, and Chase had told me that they will not release any of my money until my nephew calls them. My nephew does not bank with Chase, and my family is concerned as to how Chase got my nephew 's phone number. I have missed work, I do not have gas money to get to work because Chase won't give let me have access to the funds already in my account prior to the {$800.00} hold. There are no other individuals that work for my Dad that have to have my nephew call their bank when they deposit check 's from my Dad. My father has given me money from his account for over 40 years, and no other bank that I have used in the past to deposit checks from my Dad has ever had to receive a phone call from my nephew. My original deposit slip stated that their will be a hold on the {$800.00} until XX/XX/20. The deposit slip did not state that Chase was going to restrict my debit card or my existing funds from my paycheck. Chase has told me that the only way they will release the hold on my account is for my nephew to call them. Chase will not tell me what they have done with the {$800.00} that XXXX has paid to them for the check.
Product: Credit reporting or other personal consumer reports

I'm reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Despite my continued efforts to have these fraudulent entries removed, they persist, and they are causing significant damage to my financial well-being. Over the past several months, I have made multiple attempts to dispute and remove these fraudulent items from my credit report. These fraudulent entries are not only inaccurate but are also severely affecting my credit score and my ability to access favorable financial opportunities. Despite providing the necessary documentation, I have received several responses from your bureau indicating that these fraudulent items have been verified as accurate. I want to emphasize that these fraudulent items are indeed inaccurate. It is crucial that these discrepancies are resolved urgently to prevent further harm to my financial reputation. I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent items from my credit report. The following items should be remove as soon as possible:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX, I open up a Capital One credit card on or before XX/XX/2023, I requested to send my statement of charges to my email XXXX Capital one agreed. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/XXXX, each month no bill was sent each month XXXX charged a late fee and interest, each month I pay, Capital one also reports late payment to the credit bureau and Capital one creates the problem and their solution is well you can use the app to view your charges and I advised them each time that the app has issues of not working and again requesting to send each month before the due date, so its paid on time and late fees and interest stops. 
My credit score was XXXX, after taking the capital one card from mail to my home in XXXX to XXXX XXXX my XXXX XXXX when down to XXXX, this false reporting after I told them the problem each month capital one refuses to remove their mistakes from the false reporting, Each month was paid even late fees they created. 

This is false reporting about my credit, charging late fees and interest each month is unexceptionable when today again asked for a supervisor of capital one to send the credit card charges to XXXX And I was told by that person it was sent, I said I dont see it in my email the capital one employee said the email will take about XXXX business days to your email, very frustrating on not getting my statement each month. 
An email to take XXXX business days sets up late fees, interest charges and not knowing on time to avoid late fees. 

A screenshot of a letter sent to capital one on XXXX is provided with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this evening and have no idea why they're there. I regularly check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Because of this, I'm requesting that the documents I've submitted be reviewed thoroughly so I can stop worrying about this.
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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: Student loan

Navient is a rip-off. I ca n't believe if I pay my loan every month on time or before my due date I 'm still being charged interest every day even after I pay on time. it crazy. after contacting them Navient rep told me, sorry, but I still have to pay. I never got a notice saying navient is my new company.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$4500.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I discovered my info was in the XXXX data breach and was given a settlement Claim along with 7 years of free credit reporting, I have yet received any. I filed an FTC ID Theft Affidavit and sent it all 3 credit bureaus and asked for investigations. 
I ordered credit reports and had found many fraudulant and erroneous info on my report. 
I researched and found out that the addresses EXPERIAN, XXXX and XXXX were either a commercial building or a XXXX. I XXXX not live at a business nor a XXXX. 
EXPERIAN has refused to delete the erreneous addreses and accounts that are clearly not mine. 
15 U.S.C 1681 FRCA everything must investigated and accurate. I believe Experian is violating many rights of mine by refusing to delete the erroneous accounts whilst reporting erroneous and inaccurate information on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not mine and needs to be deleted.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you update and delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Product: Mortgage

My name is XXXX XXXX XXXX, I had gotten behind on my mortgage in XX/XX/XXXX, due to some unforeseen family expenses. I called Wells Fargo and set up a repayment plan to bring my mortgage current. After three months and speaking with XXXX different Wells Fargo Representatives ( XXXX XXXX & XXXX XXXX ), I was advised to discontinue the repayment plan and submit an application to be reviewed for a loan modification. Following their instructions, I submitted an application for loan modification discontinued the repayment plan. In XX/XX/XXXX, Wells Fargo denied me for a loan modification. They stated that because I had already had a modification, I could not have another, ( that was five years ago ). since then I have been trying to work with them in hopes of bringing my mortgage current. After that decision I continued to try to work with Wells Fargo to bring the mortgage current and in XX/XX/XXXX, I was working with my HPS ( Home Preservation Specialist ) ( Wells Fargo ), his name ( XXXX XXXX ), who indicated that he would continue to post my payments for me until I could bring the account current, by this he meant making XXXX payments, or adding additional monies each month until my account was current, ( he gave me 6 months to complete this task ). XX/XX/XXXX, the IRS placed a block on my bank account which held up my funds from being debited from my account. XXXX XXXX assured me that once the block was lifted, he could then post my payments. In the meantime, XXXX XXXX was transferred to another department, and the new person is not recognizing my current situation. The new specialist ( XXXX XXXX XXXX, will no longer acknowledge the agreement that I originally had with XXXX XXXX. I am trying to bring my account current, and keep my home from foreclosure. In the last 3 month, I had to discuss my account with XXXX different representatives each one giving me different advice as to how to bring the mortgage current, no one is accepting my payments that are still in the bank to be applied to my account, if payment were accepted I would not have to deal with this matter. At this point the monies are still in my account, but Wells Fargo will not accept any payments from me. The representative has indicated that at this time the account is 7 months delinquent, if they accepted the payments, I would only be 3 months behind, I could then bring my account current. They have as of XX/XX/XXXX placed my home in foreclosure. In a good faith effort to resolve this matter, I am able to make XXXX payments to help bring my account current, which they will not allow. I am very confident that once my account is brought current that I will be able to resume making my monthly payments in a timely fashion. I am simply asking that they assist me by giving a modification, or allow payments to be accepted, bringing me out of the foreclosure status. 
Thank you for your consideration.