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

1. XXXX is reporting inaccurately XXXX XXXX XXXX XXXX XXXX  account as a potentially negative account. 
2. The XXXX XXXX XXXX XXXX XXXX  is a paid account.
Product: Mortgage

I refinanced my mortgage on XXXX XXXX. My current mortgage servicer at the time stated that they did not get the payoff amount until XXXX XXXX. Since the loan was still serviceable on XXXX XXXX they took a payment for the month of XXXX. When I contacted them about this they did refund the principle and escrow portions of the extra payment but not the interest portion totaling {$700.00}. So in essence I paid and additional {$700.00} for a transaction that should have taken place one day earlier. The main problem is that ALL mortgage refinances are completed on the XXXX of the month and my HUD form this transaction states the XXXX of the month. This is not sufficient for my former servicer and they state that they owe me no more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed are unauthorized and fraudulent inquiries. I did not consent to the following inquiries. 

XXXX inquiry date was XX/XX/2020 inquiry date was XX/XX/2020
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. Account name : Eastern Account systems XXXX XXXXXXXX, has violated my rights. I looked at my XXXX report on XX/XX/year> and noticed some things are not complete and, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I am requesting XXXX XXXX account # XXXX be removed from my credit report due to inaccuracy and false reporting. XXXX XXXX, Experian and XXXX are reporting completely different payment history profiles due to this inaccuracy please remove whole account from my report immediately. 


ALSO XXXX XXXX HAS A 2ND ACCOUNT ENDING IN XXXX XXXX REPORTING INCORRECT INFORMATION AS WELL XXXX XXXX reports good payment history as for Experian is reporting charge off XXXX  when XXXX is reporting good payment XXXX history for same time periods please remove whole account due to inaccuracy.
Product: Credit card or prepaid card

I paid my debt in full to this credit card company, Goldman Sachs, Apple Card. I closed the account already as well. But they are still charging me {$69.00} for an item I never received. I have called numerous times, I have lost count. The last time I called them, the representative herself even proved and told me that I had no balance left. But 2 months later I am still receiving statements from them because that same amount is still showing on my balance. This company is trying to steal money and none of the representatives want to help nor understand how to count numbers. I have proof and they have proof that I do not owe them a cent. Still they send me monthly statements with a balance of {$69.00}. 
I have already filed a dispute with them as well and it did not get solved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXXXXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XXXX I received a response stating that the account ( s ) were verified on XXXX 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this account is not showing up late on my XXXX report, just my XXXX and Transunion XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, XXXX XXXX
Product: Checking or savings account

Tried to open a checking account with Wells Fargo and was told during the process that the account could not be opened. At first, I was told that there was a problem with my credit. I went and checked my credit report and there is no problem. I called the bank and was told it has something to do with my relationship with Wells Fargo, but no one can tell my what the issue. All thatmy husband and I have with Wells Fargo is a mortgage ; which I am in good standing. I was told on XX/XX/XXXX that there would be a resolution in 10 days. It is now 19 days and the case manager can only tell me that there a letter is being mailed to me but he doesn't know what is states. I called the customer service department and explained the issue again and still was unable to get an answer ... .1 ) I have good credit 2 ) I have a mortgage with Wells Fargo in good standing 3 ) I am not asking for a  loan ; all I want to do is open a checking account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, One Main Financial, Account # XXXX has violated my rights under15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Mortgage

Re : Central Mortgage Company of XXXX XXXX, Arkansas, bought my mortgage from original lender. Despite industry practice and what they specifically state on their website, they have reviewed and changed monthly payment, purportedly resulting from a change in either tax or insurance escrow. They failed to correspond with my husband who had been given authority to do so with Central Mortgage, in writing. They have failed to provide the requested backup as documented evidence of so called reported changes. 
Additionally, a previous complaint was made by my husband. SeeXXXX. This was dismissed because XXXX stated a response that they were unable to respond to the complaint without authorization from the consumer, FALSE AND UNTRUE IN EVERY RESPECT. CFPB erroneously fell for that and apparently can do no further. I have attached a letter stating such.
Product: Student loan

I am an XXXX XXXX in the public school system, and have been since XX/XX/XXXX. I have been paying off my direct loans through Nelnet since XX/XX/XXXX. When I went to XXXX  School WHILE working full time at a XXXX XXXX public school, I called and asked to be able to continue paying my student loans. They placed me on deferment, much to my repeated request not to be. Based on XXXX XXXX XXXX XXXX counts, I would be at XXXX payments as of now and have my loans forgiven if my loans were not deferred. My deferment period was from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a credit reporting issue involving Capital One. I am concerned about the handling of four accounts that were written off by Capital One, yet I have not received the appropriate documentation reflecting this.

The accounts in question are as follows ( last four digits provided for identification ) : - Account ending in XXXX - Account ending in XXXX - Account ending in XXXX - Account ending in XXXX Despite these accounts being written off, Capital One has failed to issue me a 1099-C form for each account, as required for accurate tax reporting and compliance with federal regulations. Additionally, the accounts have been reported only as " closed '' on my credit report, which does not accurately reflect the nature of the write-off.

I believe this misreporting could negatively impact my credit and tax obligations, and I am requesting a full investigation into this matter. I would like Capital One to : 1. Issue the necessary 1099-C forms for each of the accounts listed.

2. Update the credit reporting to reflect the accounts accurately.

3. Provide confirmation of these actions in writing.

I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate and ensure that Capital One complies with applicable laws and reporting requirements.Thank you for your attention to this matter. Please feel free to contact me if you require any further information or documentation to assist with your investigation.
Product: Credit reporting or other personal consumer reports

I requested that an account be removed as it is not accurate. I also would like to know their source as if they don't have a relationship with any court system. So I would like to know the validity of said debt as i have proof of a closed account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( 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 letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXXXXXX XXXX XXXX prior to joining the XXXX XXXX. 

I reached out to the lender American Honda Financial upon returning injured from XXXX that I was not in a position to keep the vehicle and that I wanted to cancel the lease. Per their representative, " You're still on XXXX XXXX. We can't legally do anything until your contract is up. " I attempted to return the vehicle to the dealership I got it from on several occasions to be told the same thing, " You're still on XXXX XXXX. We can't legally do anything until your contract is up. " I just recently got a job where I've managed to save up for a car that I really want which happens to be another Honda XXXX however, I go to finance the car and I am told that I have canceled lease / repo under my name with American Honda Financial. How could this be when for the last six months these people have told me '' You're still on XXXX XXXX. We can't legally do anything until your contract is up. "? I believe this company has illegally done things to cover up what they've been telling me the last six months to avoid having to actually do the paperwork. 

I have been XXXX from the XXXX since XX/XX/XXXX which I have offered to send them my XXXX to which they've declined to accept it because it says in their system they see me as list under XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242, while commuting securities fraud Acct name : Department Of Education/XXXX  Acct XXXX XXXX Fact : Section XXXX XXXX XXXX XXXX makes it unlawful for XXXX or more persons to agree to injure, threaten, or intimidate a person in the United States XXXX XXXX free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States XXXX XXXX of his or her having exercised such a right. 

Fact : Section 242 of Title 18 makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application/ PROMISSORY NOTE ( bill of exchange ) was used as a bill of exchange to fund the account as collateral!

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank.

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with the consumer reporting agencies, XXXX, Experian, and XXXX, on an account that was inappropriately reported on my consumer report. 
During the dispute, the consumer reporting agencies listed below failed to notify me that the account would be reinserted in my consumer report as required by FCRA 611 ( a ) ( 5 ) ( A ) [ 15USC 1681FA ]. 
Account Name : XXXX XXXX XXXX XXXX / acct # XXXX Experian : Result of Investigation : Updated XXXX {$1900.00} XXXX : Result of Investigation : Updated XXXX {$16000.00} XXXX : Result of Investigation : Updated XXXX {$1900.00} I demand that these inaccuracies be corrected immediately to ensure the accuracy and fairness of my credit report, as required by federal law.

This is a clear violation of the FCRA. On XX/XX/year>, the FACT Act law, 15 USC 1681a ( 2 ) ( B ), went into effect and states : ( B ) EXCLUSIONS. Except as provided in subparagraph ( C ), the term consumer report does not include ( i ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The above-referenced account is an authorization and approval of a specific extension of credit directly to me. As such, this account is not included in a consumer report.

The reporting of this in accurate account is a clear violation of the FCRA and has caused damages. I demand that you delete this account from my consumer report immediately.

Failure to respond appropriately to this final notice will result in legal action being taken against you for non-compliance with the Fair Credit Reporting Act ( 15 USC 1681 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX account.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I was told I'd have to wait 180 days to receive the funds left in my wallet after numerous phone calls trying to figure out the reason for the restriction to no avail. Today I looked at my PayPal and see that they removed my entire balance without any notice, My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX  XXXX DEPTEDXXXX  XXXX $ XXXX XXXX XXXX XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00XXXX XXXX  XXXX {$16000.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$54.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts currently listed and showing on my Equifax and XXXX credit report is lost/stolen : XXXX XXXXBalance : {$330.00}, XXXX XXXX XXXXBalance : {$380.00} XXXX and XXXX XXXX XXXX/Balance : {$500.00}. The following collection account currently listed on my Equifax credit report is a fraudulent collection account and not my collection account : XXXX XXXX XXXX, Balance : {$5600.00}. The following credit inquiries listed on my Equifax credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I would like to dispute my entire XXXX, XXXX, and TransUnion XXXX reports pursuant to The Fair Credit Reporting Act 15 U.S.C = 1986
Product: Credit card

Citi bank best buy call more than XXXX times in XXXX days and call early hours on the weekend. Since last Saturday they have called me more than XXXX time a day each day. It's stressful and pointless, I told them I would make a payment next week and their website doesn't give you the option to schedule the payment l. It's harassment at this amount