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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/2023 Capital One Subject : Notice of Dispute Regarding Inaccurate Credit Reporting I am writing this letter to dispute and rectify the inaccurate information being reported on my credit report by Capital One. I believe that Capital One 's reporting of my account has violated the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), specifically sections 1681c ( a ) ( 4 ) and 1681n. 

According to my credit report obtained on XX/XX/2023, it has come to my attention that my account with Capital One is not accurately reflecting the true status of the account. The incorrect information on my credit report indicates that the account is not paid in full, and furthermore, it does not accurately reflect that the account was paid as agreed. 

Under the Fair Credit Reporting Act, it is my right as a consumer to have accurate and up-to-date information reported on my credit report. In accordance with the law, I demand that the information regarding this account be promptly corrected to reflect it as " paid in full '' and " paid as agreed '' in order to accurately represent my credit history and financial standing. 

If the necessary corrections are not made within the statutory timeframe, I may be left with no choice but to pursue legal action to protect my rights. I want to make you aware that I have retained XXXX XXXX XXXXXXXX XXXX XXXXXXXX, who specialize in matters related to consumer protection, and they are prepared to provide legal assistance should the need arise. 

I trust that Capital One recognizes the importance of accurate credit reporting and will take immediate action to rectify this matter. I request that you conduct a thorough investigation into this dispute and promptly update my credit report accordingly. I also request that you provide me with written confirmation once the necessary corrections have been made. 

Please be advised that I am keeping a detailed record of all correspondence and actions taken in this matter, including copies of this letter and any other relevant documentation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require further information, please do not hesitate to contact me at the address provided above. 

Sincerely, XXXX XXXX
Product: Mortgage

At the end of a specified period, Wells Fargo transitions a HELOC from a Line of Credit to  Repayment. In repayment, the consumer agrees to a fixed rate, fixed term repayment arrangement and can no longer access the line of credit. However, for billing purposes, Wells Fargo continues to treat the loan in repayment as a line of credit. In doing so, WELLS FARGO IS SYSTEMATICALLY PREVENTING CONSUMERS FROM PAYING A KNOWN, FIXED BILLING AMOUNT IN ADVANCE until it gets around to posting a bill. This puts in place an arbitrary barrier preventing consumers from effectively managing home equity debt, with the bottom line effect of increasing the cost of credit to consumers and increasing interest revenue flowing to the bank. 
The bank will argue that one can always make a principal repayment ; HOWEVER, THE SUBSEQUENT BILL DOES NOT ACKNOWLEDGE OR ADJUST FOR THIS PARTIAL PREPAYMENT - i.e., the consumer will still be responsible for the full fixed payment when subsequently posted - with obvious negative cash flow consequences to the consumer and interest accumulation benefits for the bank. 
I also have a mortgage with Wells Fargo and within 1-2 days of making a payment, a new bill is posted for the next month for which a payment is due, which I am free to pay. 
Both of these instruments have fixed terms, fixed rates and fixed payment amounts, but only one is cynically structured to trap the consumer desiring to pay in advance into unnecessary interest payments. 
Beyond this, Wells Fargo continues to move the date around when it posts bills. The result of this is that the split between principal and interest is not predictable and is manifestly unfair. Example, for the latest billing cycle payment - which I paid on the day the bill posted - my interest charges were 9 % higher than the prior month, DESPITE THE FACT THAT I HAD REDUCED PRINCIPAL BY NEARLY {$2300.00} IN THE PRIOR MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. I was sent to collections by XXXX XXXX XXXX inXX/XX/XXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XX/XX/XXXX and had to move out of our old place which was moldy and made our XXXX year old son sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working 3 jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at  which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay XXXX XXXX XXXX their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off XXXX XXXX XXXX SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XX/XX/XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at XXXX XXXX XXXX is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take XXXX XXXX XXXX off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Checking or savings account

This bank, PNC bank, took over my XXXX Bank online account over a year ago. They sent mail from PNC bank, with whom I had no existing banking relationship, so I was never made aware that they took over my account until I attempted to log into it and was rerouted to PNC bank online. I was never able to log in there, and I attempted to access the account customer service unsuccessfully because they refused to identify themselves or the contracting companies they worked for before I would give them PII ( Personal Identifying Information ). As such, all my access to my account and funds has been cut off. What's more, they request I give them my phone number verbally so they can verify it is me by sending me a verification code. When I asked them how that was secure since they are asking me for the number to send a verification code to, they got angry and told me this " being difficult '' is why I have not received service in the past and then they hung up. 

They insist that I go into a branch during my working hours, to deal with this. I have never banked with them and they will not have a record of my at any branch. I am unaware of any local branches either. 

They have been stealing XXXX dollars per month from my account for about 2 years, and I have no access to it to withdraw or transfer it to an account with a banking organization that I choose to do business with. They refuse to grant me access to said account either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX  XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$10000.00} XXXX XXXXXXXX {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXX/XXXX/2016 Bayview Loan Servicing became my new mortgage servicer. On XXXX XXXX, 2016, I received a welcoming package from same company that did NOT include a debt validation notice, as I understand is required by law under the FDCPA. I 've checked the front and back of the documents, which I have attached.
Product: Credit reporting or other personal consumer reports

As a holiday incentive, XXXX offered an additional discount for items purchased during the XXXX holiday season. I accepted the offer, provided all required personal information for the credit card request including phone and email, made a {$210.00} purchase in XX/XX/XXXX and paid the amount in full on XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I moved to a new address and informed all creditors in advance or upon receipt of forwarded mail. We diligently and consistently visited our prior post office for several months after our move as recommended by our new post office as a preemptive action. We responded appropriately to any sender of our new address as necessary ( i.e. insurance companies, magazines and other appropriate companies ). After our payment of our XX/XX/XXXX purchase, we did not receive any credit card billing information or statements from XXXX. 

On XX/XX/XXXX, a {$49.00} purchase was made at our local XXXX store. While we continued to receive XXXX emails and other promotional mail after our move, we did not receive a monthly bill for the XX/XX/XXXX purchase. And, neither my wife nor I use department store cards as a regular payment means, but I did confirm today from XXXX, a XXXX credit card agent ( # XXXX ), that we apparently used our XXXX card for the {$49.00} purchase. 

On XX/XX/XXXX, we received a notice from XXXX XXXX that a charge-off amount of {$330.00} was reported to credit reporting agencies due to our failure to pay a debt. I immediately contacted the XXXX XXXX XXXX unit and was told that if it was my responsibility to contact XXXX for any information. 

I would expect that XXXX would have received notice of a change of address and the appropriate bill would have been received and paid for the {$49.00} purchase. The past due interest, late fees and compounding amounts that drove the balance to {$330.00} is very unfair and my XXXX XXXX has been reduced by over XXXX points ( from XXXX to XXXX per Experian ) due to XXXX XXXX account servicing failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} U S DEPT OF ED/XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX XXXX Balance : {$100.00} US DEPARTMENT OF EDU XXXX Balance : {$4000.00} US DEPARTMENT OF EDU XXXX Balance : {$3400.00} US DEPARTMENT OF EDU XXXX Balance : {$3700.00} US DEPARTMENT OF EDU XXXX Balance : {$2100.00} US DEPARTMENT OF EDU XXXX Balance : {$5300.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter to all Credit bureaus XXXX, XXXX, and transunion on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

Primelending - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and my grievance is with the following : Experian credit reporting agency, XXXX XXXX is the representative from Experian, moreover they've move my credit file to some department they reference as their Special Services Department, Experian 's Representative XXXX XXXX has been extremely rude, furthermore he has been exhausting and very difficult to deal with ; I've complained about the unauthorized hard credit inquiries listed on my credit report, XXXX XXXX has refuse to take my dispute for the hard inquires, XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX . The next issue is XXXX  XXXX XXXX, They've have reported a settled account using totally different verbiage than originally agreed to ; they agreed prior to the me paying, that they'd add the following statement to my credit report '' XXXX shall consider the Borrower 's account to be settled, and shall notify the credit reporting agencies that it reports to that Borrower 's has been settled in full. They've reported something completely different '' Legally paid in full for less than the balance and caused my credit score to drop more than 50 points, this has adversely effected my credit standing, for the next 7 years. They should immediately correct the language, more XXXX XXXX also stated that this would not negatively impact my credit report, they've made false promises to get me to pay in advance. the original loan was for {$15000.00} and they collected initially {$500.00} for themselves, I've paid out over {$20000.00} on this loan, do to Covid 19 they offered a settlement directly, moreover more importantly, they said it would not impact my credit reporting, as long as I paid the agreed amount with in a certain time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the consumer reporting agencies such as Equifax and XXXX are reporting inaccurate/outdated information on my account. The only address that should appear on the account is XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX. Furthermore the only phone number that should be associated with my account is XXXX and name is XXXX XXXX. All other addresses or phone numbers, aka, or emails are not valid and violates my rights to fair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I called my bank, Bank of America on XX/XX/XXXX after a man named XXXX had me deposit a money order for {$990.00} at the ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was at XXXX and I was taking out {$100.00} for myself when he approached me. I was the only person in the ATM and felt intimidated and nervous so I felt pressured and like I had no choice but to help him for my own safety. When I received the printed receipt from the ATM, it said there is an available balance of {$680.00}. So I transferred the money ( {$680.00} ) via XXXX to him. Once I got home, I had a feeling it was a scam so I called Bank of America on XXXX XXXX and was told that I had to wait for both the money order deposit and XXXX transfer to be processed ( both were still pending ) before he could look into the money order as fraud and the XXXX transfer as a scam. 

Once both finally processed, I called my bank again on XXXX XXXX as there was a credit chargeback for the same money order of {$990.00} which confirmed it was a fraudulent check. When I got hold of a representative, he also told me it was a fraudulent check hence the chargeback. He said it wont negatively affect my account but filed a complaint on my behalf as he told me that the previous representative who I spoke to on XXXX XXXX should have filed a fraud claim anyway despite the pending deposit. I let this representative know that I also wanted a refund for the {$680.00} XXXX transfer and he connected me with the XXXX sector of customer service. I waited on the phone for nearly 2 hours before someone finally connected me, where I explained all of the above. 

The representative told me it would take 10 business days for their researcher to investigate the case and up to 45 days for them to mail me the results. They also said *IF* I get a refund, as they said theres no guarantee Ill get my {$680.00} back despite there being physical proof ( I still have the receipt ) that the money I XXXX XXXX was the balance of a fraudulent money order. I tried to request the money back from XXXX XXXX XXXX on XX/XX/16 but with no luck. Im writing as today is XXXX XXXX and I received an update from Bank of America on this case on XX/XX/XXXX : Weve completed our review and are unable to approve your recent claim. Our records indicate that we completed the transfer ( s ) according to the instructions you provided us, and therefore no error occurred. Based on this, your account wont be credited. So even though I was scammed, my bank still can not provide me with a refund, hence why Im making this claim.
Product: Debt collection

The debt was brought to my attention XX/XX/XXXX when I received notification from the credit bureau. Someone purchased items in my name on credit and made payments from a fraud account in my name. This account XXXX XXXX was unfairly place in my credit file. I have no knowledge of the debt. My identity was stolen and used several times before to open and pay various accounts. I have frozen my credit file before in 2017 and have stopped fraudulent activity on my bank account by changing by card number and adding alert to all my accounts. There is no proof that this is my debt other than my name being falsely attached to it. 
I was apart of several data breaches with, XXXX, XXXX, and XXXX.
Product: Debt collection

A letter was addressed to me. This letter should've have been addressed to my in care of person ( my daughter ) and myself. I signed a paper stating I will return all moneys. I did not understand what I was signing. I was legitimately XXXX from a XXXX XXXX in XXXX  which caused me to be hospitalized 5 times and XXXX  as XXXX XXXX XXXX I submitted years of medical info and was accepted by SSI as XXXX. I do not owe this money back because i was XXXX according to SSI, my doctors and family.