23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Home Depot Credit Card and I logged in to pay my credit card and discovered over {$4000.00} interest charge. The interest charge as stated on my statement was to be 25.99 % of my balance which was {$2000.00} something at the time. I called to question this and they said the interest was actually 2 times this and for the original total balance which was {$8000.00}. This was never explained to me. How can you charge interest on something I had already mostly paid off?
Product: Credit reporting or other personal consumer reports

I am submitting this request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

I have been trying to pay off the amount they claim that I owed them before they closed my account and then reported me to XXXX however they have not provided me to the right department to immediately take care of this issue so I can remove them from my XXXX. They have refused to give me to the right department to take care of this problem.
Product: Mortgage

Escrow Inquiry My new escrow payment is {$960.00}, however, my total for taxes and insurance is {$7600.00} and spread over the year for monthly payment is {$630.00}. This is a {$320.00} difference and over a year it is {$3900.00} extra in funds. Where are the extra funds allocated? I need an accounting of the extra funds allocation. I have asked repeatedly for an accounting for the extra funds paid with no response. Also, the mortgage company overpaid the property tax. See the attached documents for the payout amounts and the property tax statements.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed dispute letters to the three major credit bureaus because some things are not accurate. According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy. These accounts are not complete and accurate. Also Equifax sent me a stall letter saying they weren't able to identify my identity when I put everything I needed on my dispute letter.

It's been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and expect as provided in subsection ( g ). the company must conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.

They also violated 15 USC 1681i ( 5 ) and 15 USC 1681s-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted a written dispute to Experian. While they addressed my most of my concerns and removed the accounts that I had no knowledge of, there is one account that I disputed that is still showing on my report and does not appear to have been investigated. While I am certain it is merely an oversight, I do need the account with XXXX XXXX removed from my credit reports immediately. I have contacted the creditor directly and they have been unable to provide any form of debt validation or verification of the debt. For your convenience and swift processing, I have included a copy of my original dispute letter and a copy of my results from XXXX showing that they also deleted this erroneous account from my credit reports after further investigating the matter.
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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Please these accounts don't belong to me. Please help Im not smart enough to talk to these people they scare me. 
XXXX XXXX Reported : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed Hide closed ( 4 ) Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX   report.

XXXX/XXXX  Inquiry : XX/XX/XXXX + National Credit Card Cos.  
( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Telephone Companies ( XXXX  ) XXXX  Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score.

XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX   XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1800.00} - - Installment Negative XX/XX/XXXX You have 5 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX/XXXX/XXXX  XXXX   {$950.00} {$600.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX/XXXX  XXXX  {$0.00} {$400.00} 0 % Revolving Negative XX/XX/XXXX XXXX/XXXX XXXX   XXXX - - - Installment Paid XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I sent a certified debt validation letter to ERC XX/XX/2019.  In return I was sent a monthly statement without any other legal information, signature or contract. I legally gave ERC 30 business days for proof that the debt was mines and validation but didnt get that at all.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorize by me : XXXX Inquired on XX/XX/2023 XXXXXXXX XXXX Inquired on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filling a compliant today, with a heavy heart and a sense of urgency regarding the inaccuracies on my credit report. As a dedicated and responsible individual, I have always prided myself on maintaining my financial integrity. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX, 2017, Capital One 360, an internet bank, closed my savings account without a court order or due process. They committed grand larceny. I want an investigation into why this incident occurred. They placed an electronic block on this account before they closed it. They also refused to provide bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, Transunion, LLC and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). 

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 I received an unsecured loan from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying the loan off. It became a charge off but it is definitely PAID off now.
Product: Vehicle loan or lease

Shortly after purchasing the vehicle I canceled all extended warranty products the funds were sent immediately to Ally financial then I made a few payments after that was done. then to check every month my account the next payment due date was XX/XX/2021 every time I logged on to the website to make a payment it was {$0.00} payment due XX/XX/2021 however they tacked on finance charges for every day and month after month when there is no payment due each month till 2021 how can you charge finance charges when theres no payment due. Then the coronavirus pandemic hit with quarantine for five months..now no job no income still had no payment due but theyre still charging me finance charges theres no help for that either. I just recently spoke to three representatives they could not help me was transferred to a supervisor she stated also theres no help with the finance charges I totally disagree with this if theres no payment due how can you charge me finance charges Im hoping that you can help me with this. If any further information is needed I will gladly send you anything and everything. Thank you sincerely, XXXX XXXX XXXX im also going to add a reference number the representative gave me from Ally Financial to dispute this problem reference number XXXX.
Product: Credit card

Continuity of hard inquiries were applied to my account after contacting the direct resources to opt out promotions, guarantees, and helpful sources that weren't applicable to my status and falsely promising to remove the hard inquiries that were applied from credit reports ; in which were NOT.
Product: Mortgage

My husband & I did a mortgage modification back in 2013 when our primary residence mortgage was with GreenTree. When my credit was pulled this month, I am just noticing that DiTech ( the company who bought out GreenTree ) is reporting the modification and transfer of the loan as a FORECLOSURE. It is obvious from my credit report and the fact that I am paying my mortgage to XXXX XXXX XXXX every month on time, that a foreclosure was not processed during this transaction, BUT because of DiTech 's unethical way of handling their customers they are reporting as negatively as they want to on my credit report. Because of the way DiTech is reporting this modification is causing creditors to deny my loan requests.
Product: Credit card

Wells Fargo car services. There was a hard inquiry on my credit report from XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

Still showing unpaid on my credit of XXXX contact several time and its like nobody know anything about the car loan lease which is affecting my credit because its still showing u owe which I dont been getting the run around since XXXX of 2023.
Product: Debt collection

We continue to receive calls from XXXX. They leave this message " We have an important message from the office of Hunter Warfield this call is from a debt collector. Please call us back at XXXX. '' We do not have any outstanding debts.
Product: Student loan

All of my records state that the next available payment is due on all loans on XXXX/XXXX/2016, however, my Equifax credit score is showing a XXXX point decrease due to what seems to be a missed payment. I have been in loan deferment/forbearance since XX/XX/XXXX. I want to know why this drop occurred, when all payments are not due until next month.
Product: Debt collection

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

PENN CREDIT  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On our around the XX/XX/XXXX, 2017, I received a Lexis Nexis report in the mail. I do not know why I received this report. Some information on the report is inaccurate. I tried to call the number listed on the letter to inquire about why I was receiving the report. I gave them the case number listed on the cover letter of the report and they said they did not have that number on file. They then told me I would need to give them my social security number and other information to determine who had ordered the report. I refused. I 'm not sure where to go from here but I do not feel comfortable with the situation and I am having trouble finding information about why I would have received this report. I do not know where to go from here. 

Thank you for your time and consideration.
Product: Mortgage

I recently received documents from Wells Fargo, Dated XXXX XXXX, 2015 which suggest that my investment property will be refinanced, however, I did not apply for a refinance or authorize Wells Fargo to do this on my behalf. There is also an internal email correspondence that was inadvertently included in my package, which is telling Wells Fargo employees that I am waiting for these documents and working with the Office of the President to refinance my loan. This is a lie. I would like this to be investigated.
Product: Debt collection

DEBT WAS SOLD TO VELOCITY INVESTMENTS LLC AND SETTLED WITH XXXX XXXX ( XXXX ), SETTLEMENT AMOUNT HAS BEEN COMPLETELY PAID OFF ON XX/XX/year>. 

I AM REQUESTING FOR THIS ACCOUNT TO BE TAKEN OFF MY CREDIT REPORT FOR ALL BUREAUS REF # : XXXX XXXX # : XXXX
Product: Credit reporting

Equifax and XXXX report an account with XXXX is in collections. I have no account with XXXX and have had no communications from them about an overdue account. Suspect fraud.
Product: Checking or savings account

I did not discover a fraudulent check on my account until just after 90 days. I contacted the bank immediately, shut down my account, did everything they asked of me. Even with over 20 years of experience with multiple Chase Bank accounts, they refused to refund the amount ( {$1500.00} ) without even investigating the fraud, because it was beyond their contract terms. This is fraud, and should be investigated, at the least! They cashed a clearly altered check, but refuse to do anything to help me. This is a devastating amount of money for me, and the check was for my mother 's nursing home for her monthly care. Someone intercepted the check, erased my info, wrote in their own ( very different handwriting ). This short time limit is a ridiculous policy by the bank which clearly harms me, the customer/consumer, leaving me with not enough protection from my banking intuition. Their should not be a time limit on fraud. What if someone is sick in the hospital, and multiple checks are fraudulently cashed? There are many situations where 30, 60, 90 days can go by without being able to check every debit. I was recovering from illness, and like many others, was going through a stressful time in early 2021, so I did not catch this fraud in time. My mom 's nursing home also did not specify that they were missing funds until too late, which is when I checked my account and found the fraud. And what about my spotless record with this bank for over 20 years, and they can not make a single exception for their customer? The bank should have better fraud detections, when they know that there is so much fraud. How can they offer a product, like checks, tell you to use them, then offer not enough protection? I am finally making the switch to a credit union, as Chase Bank and all the others like them are just evil entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. XXXX and XXXX are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Yet another dispute can't open and once again HUNG UP ON
Product: Credit reporting or other personal consumer reports

I mailed a dispute to all three credit reporting agencies in regards to an account on my credit report from XXXX XXXX XXXX for inaccurate reporting. This account is reporting a different payment history with each reporting agency. Experian and XXXX verified the account as accurate, but I have reason to believe that the account was not thoroughly investigated which is my right under the FCRA. 
XXXX XXXX XXXX - Account number : XXXX Remove this account from my credit report because you are continuously reporting charged off status in the payment history all the way until XXXX XXXX when this account has been charged off since XXXX XXXX. You can not report a payment history on a dead account as it falsely manipulates the statute of limitations on when this account is supposed to fall off my report. 
In addition to the above mentioned dispute, this account is reporting as if I had a loan with this company since XX/XX/XXXX, which is untrue. XXXX XXXX is the day that I opened a checking account with this credit union.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I was in an accident that wasn't my fault and the judge ruled in my favor, stating that the other company had to cover all the expenses. However, despite it being 3 years and 11 months since the incident, my credit still shows as closed. XXXX, formerly XXXX, is reporting me as late, which is untrue. My insurance immediately covered the issue, and I paid the same month. I don't understand why the accident is affecting my credit, especially when I have full insurance coverage. It doesn't make sense and it's impacting me negatively. 

XXXX Formerly XXXX XXXX XXXX XXXX Phonenix, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy Reporting in Error To Whom It May Concern, I am writing to formally dispute a bankruptcy account that is inaccurately reporting on my credit file. This account does not belong to me and appears to be associated with another individual named XXXX XXXX. I have never filed for bankruptcy in my life, and this incorrect information is damaging to my credit profile. 

On XX/XX/year>, I visited the United States Bankruptcy XXXX XXXX XXXX XXXX California, located in XXXX XXXX, CA. I spoke with a clerk named XXXX, who verified that my name does not appear in their system as having ever filed for bankruptcy. She confirmed that this information is being reported on my credit report in error. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are obligated to maintain accurate and verifiable information on consumer credit reports. Reporting a bankruptcy that does not belong to me is a direct violation of the FCRA.

I am requesting the following actions : Immediate removal of the erroneous bankruptcy information from my credit file. 

A detailed explanation of your investigation process and the source of the inaccurate information. 

Written confirmation that the bankruptcy has been permanently removed from my credit report. 

Failure to address this error and comply with federal law could result in further action, as I am entitled to accurate reporting and protection from harm caused by false information. Please resolve this matter within the legally required 30 days from the date of receipt of this dispute. 

Thank you for your prompt attention to this serious issue. Please provide me with written confirmation once this matter is resolved. 

Sincerely, XXXX XXXX XXXX