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

XXXX  XXXX XXXX reporting {$240.00} on my credit card, but that amount was paid. XXXX XXXX XXXXXXXX is NOT reporting the credit card balance correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( XXXX ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

There are several fraud charges on my card and the company is holding me responsible. I reach out to the company twice and even send my travel itinerary showing I was traveling on some of the dates I was charge and all they did was close the case and rebuild the charges. 
XX/XX/2022 : {$30.00}, XX/XX/2022 : {$60.00} XX/XX/2022 : {$60.00} XX/XX/2022 : {$30.00} XX/XX/2022 : {$40.00} XX/XX/2022 : {$30.00} XX/XX/2022 : XXXX XX/XX/2022 : {$30.00} XX/XX/2022 : {$40.00} XX/XX/2022 : {$65.00}
Product: Credit reporting or other personal consumer reports

I am writing to address my recent review of the credit report obtained from your bureau. Upon closer examination, I noticed the presence of reported late payments on my accounts, which I believe to be incorrect. 

I have taken the necessary steps to investigate any potential late payments. I am pleased to inform you that other credit bureaus have already removed these late payments from their records. This discrepancy in reporting between your bureau and the others is concerning. 

For your reference : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXX I used the card for  the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.
Product: Credit reporting or other personal consumer reports

I filed a complaint with Experian XXXX # XXXX and my school loan provider, XXXX XXXX # XXXX XXXX XXXX responded saying my loans were all paid off as of XX/XX/XXXX. Experian latest status says : That I will resume paying my loans XX/XX/XXXX. There has been no updates to my school loans in years. Experian 's response to my complaint is that all information on my report was correct and they were unable to get an updated status from XXXX. I want to provide Experian with XXXX CFPB response saying my loans have been paid off and that status was sent to Experian XX/XX/XXXX. I will provide the following documents : XXXX. XXXXXXXX XXXX  response to my complaint acknowledging my school loan pay off date of XX/XX/XXXX. 
XXXX. XXXX 's letter to may confirming my school loan was paid of by the government due to my 100 % Total and Permanent XXXX status. 
XXXX. My 100 % Total and Permanent XXXX status. 
XXXX. The loans on Experian that require a status change.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 an apartment lease account with XXXX on XXXX opened on XX/XX/XXXX that's now XXXX XXXX XXXX with the balance of {$21000.00}, a telephone account with XXXXXXXX XXXX opened on XX/XX/XXXX with the balance of {$640.00}, an utility account with XXXX XXXXXXXX now with XXXX XXXX XXXX XXXX on XX/XX/XXXX with the balance of {$960.00}, an utility account with XXXX XXXX XXXX now with XXXX XXXXXXXX XXXX opened on XX/XX/XXXX with the balance {$160.00}, and a credit card account with XXXX XXXX XXXX XXXX  XXXX now with XXXX XXXX XXXX opened on XX/XX/XXXX with the balance of {$620.00} all need to be removed due to inaccuracy. Additionally, the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to be remove do to inaccuracy. Furthermore the names XXXX XXXX and XXXX XXXX do not belong to me they are incorrect and need to be removed. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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 or other personal consumer reports

On XX/XX/XXXX I received an alert from Experian stating that XXXX XXXXXXXX XXXX credit card reported that I was over my credit limit of {$29.00}. When I am not. I have proof. Experian also dropped my score from XXXX to XXXX with false information. I paid my bill on the XX/XX/XXXX of {$65.00}. Which left me a positive balance of {$35.00}. I spoke with XXXX XXXX XXXX  and was told by the representative that they DO NOT REPORT OVER LIMIT FEES. Only payments when they are 30 days late.
Product: Money transfer, virtual currency, or money service

I deposited a XXXX check from a XXXX bank  written in US dollars. I was told by the Chase employee it would take 1-2 weeks for it to clear. Even after checking with management in the back. A week later I received a letter from Chase stating it would take 4-6 weeks. I spoke with the payer on Friday and was notified the check cleared their bank on XX/XX/. It is a week after the check cleared and the funds are still not in my account. The branch manager told me he cant help me that I have to speak with their executive office The executive office couldnt give me any answers so I requested to speak with a supervisor. Of course there was no supervisor available and I will have to wait up to 48 hours to hear back from one of them. This is totally unacceptable that they have tied my money up this long and I can not get any answers. I am very very frustrated!!!
Product: Credit card or prepaid card

Capital One was not able to give me specific dollar amounts on payments for each transaction type nor are the payments for each transaction type listed on the credit card statement.. 

They would only refer to the procedure of how payments are applied. 
According to Capital Ones procedures, the minimum payment is applied toward the balance with the lowest APR ( 0 % ) and any remaining amount is applied toward the balance with the highest APR. The statements does not show the amounts on the statement. There must be a violation of the Truth in Lending Act. 

I am unable to see where my payments are being applied when there are different types of transactions listed on the credit card statement. 

1. Capital One credit card statements does not show the True balance for the transaction type special transaction ( 0 % on use of access checks ). When a payment is applied toward special transaction type, the statement does not show what the balance ( s ) is. See statements dated XX/XX/XXXX thru XX/XX/XXXX. 

2. Capital One credit card statements does not show the amounts applied to each transaction type. There is no line item showing the amounts applied toward the purchase type transaction balance nor the special transaction type balance ( s ).
Product: Credit card or prepaid card

I was issued a Prepaid Mastercard Virtual Debit Card with a high balance but given a short expiration date within which to use it of approximately 6 months. I did not use the entire amount before expiration but can not figure out how to obtain a replacement card for the remaining balance of several XXXX dollars. I can not even figure out how to speak with a Customer Service Representative, since when I call the number of the back of the card XXXX I get put into an endless loop of IVR selections. The company is " MyPrepaidCenter '' through BlackHawk Network & XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX  XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I was never late on this account. I have made all my payments on time. 
Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Mortgage

Submitted a completed package to PENNYMAC for a loan modification including a letter of authorization on XXXX/XXXX/15 at XXXX EST. The Letter of Authorization was included as part of their Standard modification package and was also sent separately as a unique, one-page document. As of XXXX XXXX, the authorization had still not been uploaded or cleared by PennyMac 's legal department. I phoned PennyMac that day and they said they woulod escalate the matter, and the issue would be resolved by end of day. Today, XXXX XXXX, again, it still has not been cleared and my client is being denied a trained housing advocate. It should not take more than 48 hours. It has been over one week and there is no good reason for this.
Product: Credit reporting or other personal consumer reports

XXXX loans PAID IN FULL DUE TO CONSOLIDATION by XXXX on XX/XX/year>. 

This information was sent to me on XX/XX/year> and is also updated in my XXXX account. 

XXXX and Equifax refuses to update my student loan from my credit report. XXXX already did it after the first dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of a several accounts which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. You also are not allowing me to submit my disputes online after numerous requests. 

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian XXXX, and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

The following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15. Chapter XXXX Bankruptcy # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX
Product: Debt collection

Everything that I have attached has been sent to JPMORGAN CHASE & CO. signed and notarized.

- 15 USC 1692b ( 5 ) the symbol in the top left give me anxiety because I know its from a debt collector by the logo. JPMORGAN CHASE & Co has never given me cure or relief so why would I associate this symbol with anything other than debt collection. All communications received on XX/XX/XXXX at XXXX relates to the collection of a debt for account number ( s ) ending in XXXX, XXXX and XXXX. 
- 15 USC 1692c ( c ) I the consumer, a natural person and original creditor submitted a cease and desist of illegal activity, including any communication unrelated to JPMORGAN CHASE & COs termination of further efforts to collect, notification of specified remedies which are ordinarily invoked and, to notify a consumer of a specified remedy they intend to take. Please see attached exhibit XXXXXX of proof that further communication took place. Also, an Affidavit is meant to be responded to with an affidavit in opposition.

- 15 USC 1692d ( 1 ) ( 2 ) to suggest that an attorney denies representing me a natural person and consumer, is an oppressive statement to which I deem obscene and damaging to my reputation. 
- 15 U.S. Code 1611 ( 3 ) if an organization fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. No further communication shall occur once a cease and desist is in place and that was violated because communication that followed, spoke on topics that did not pertain to termination of further efforts to collect, notification of specified remedies which are ordinarily invoked and, to notify a consumer of a specified remedy they intend to take.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Ive contact this collection agency several times several times Ive never owned any account. I am a victim of identity theft, which I provided copies of the police report, and he agreed after talking to management that these collections would be removed and deleted from my credit profile immediately.
Product: Credit card

On Friday XX/XX/year>, I applied for a Capital One Venture credit card ( without the branding " X '' ). Their advertising was replete with promises of letting the consumer use a virtual card upon acceptance. My account was fully accepted with no holds and a {$10000.00} dollar credit line. One employee told me if I waited a few hours, the ability to use a virtual card should pop up on the app. Another employer told me it might never. Senior account supervisor XXXX who declined to give her middle and last names, only her agent ID XXXX, told he her view is that my " Capitol 1 Venture Card account is not eligible for a virtual card number. '' She did not explain why when I asked, nor were the discrepencies between the various Capital One staffers ' views on the possibility of a virtual card for this card ever resolved.
Product: Checking or savings account

I received contact from a fraudulent Wells Fargo contact that stated my online banking was hacked and there was a pending XXXX charge on XX/XX/21. I spoke with the representative and in order to recoup the funds in transit - I wired {$1000.00} to my own email address. Apparently this was a scam and the funds were sent to a hacker. 
I contacted Wells Fargo within 5 minutes of the call and reported the comlain. 
They stated the complaint is closed as the fraud was made via XXXX and they do not cover that platform. 
Under Regulation E this should be covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It Concerns, I noticed an unauthorized charge to my bank account this morning, XXXX XXXX, 2019 XXXX XXXX XXXX, 2019 XXXX PAYMENT DEBIT EXPERIAN XXXX XXXX CA XXXX XXXX XXXX ). I authorized no one or Experian to open a membership with Experian. 

When I called Experian I was told it was for a membership that I opened in XXXX of 2019. They have been charging me since XXXX but because I have not had time to monitor my bank account regularly I did not realize I was being charged until this month. 

When I explained the fraudulent account opened in my name they canceled the account but refused to give me a refund. They said they are not responsible, they said to dispute it at my bank. 

Where do these people get the power to open accounts in my name and take no responsibility for the action? If this is legal then laws need to be changed. Experian and the other Credit Bureaus are out of control. 

I not only want a refund from them but I want to know how these people can get away with sharing my information with anyone they choose. 

Please advise and Include why they are not accountable to anyone. These people need to be held accountable. 

Sincerely, XXXX XXXX XXXX : XXXX PS : The so called membership they signed me up for is as follows. 
Membership ID # XXXX
Product: Student loan

After getting married in XX/XX/XXXX, I merged bank accounts with my husband in XX/XX/XXXX. That same day, I updated my bank account information on the Great Lakes website ( Student Loan provider ) in order for them to continue to withdraw money on a monthly basis ( auto pay ). 
In XX/XX/XXXX I logged on to the Great Lakes website, and found out that they never processed the change in bank accounts ; and thus they did not withdraw any payments for the months of XX/XX/XXXX-XX/XX/XXXX. 
Once I realized they had not collected any payments, I paid the full amount right away. However, they had already reported me to the credit bureau, and stated that I was " late '' in my payments for over 120 days. 
I tried contacting Great Lakes and the Department of Education several times, and appealed the negative credit marks stating that was an error on their end. Despite my clean payment history for over 5-7 years, the request was denied. 
It 's worth mentioning that no calls, letters or emails were sent to me notifying me that no payment had been made on my behalf. That would have alerted me that there was something wrong. 
I then proceeded to hire XXXX XXXX so they could help me clean my credit and solve this situation. Appeal letters have been sent over the past several months, but nothing has been done by the Department of Educations. 
This technical error on their end is costing me a low credit score ( that for so many years I so carefully built ), and it is currently impacting my qualifications to purchase a home.
Product: Debt collection

I had an account with XXXX XXXX, i paid for their debt protection plan on the account. I lost my job in early 2019, used the debt protection and the account was paid in full and closed. I recently got a summons that XXXX XXXX is now attempting to sue me for the same debt that has already been paid off! None of my other XXXX accounts have ever been late/in collections.