23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a joint-owner credit card with the Pentagon Federal Credit Union in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} XXXX XXXX in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and XXXX and PenFed came back with both credit limit as correct and the account is still open. When I called PenFed, they agreed the card was closed but refused to correct their mistake.
Product: Debt collection

TD Bank XXXX XXXX XXXX  Target. File a complaint summons without offering me notices or letter to work with me regarding this account. Their lawyers harrass me by constant phone calls.
Product: Credit card or prepaid card

On or about XXXX in XXXX I called Capital One to work out a solution they were offering to the effect of COVID and I opted into their program with 2 of my Capital One accounts. After doing so, I was under the impression that everything was set because I had repeatedly asked and confirmed verbally. a few months later Ive come to a realization that both accounts have suffered a late payment reporting a total of derogatory payment on each account. Ive disputed and called them in XXXX of XXXX when I noticed that this has been going on and immediately made a payment that brought the account to date. The dispute However did not reverse any of the derogatory late payment marks on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple disputes through the mail and submitted a complaint thru this portal about a month ago and NOTHING HAS CHANGED WITH THE UPDATE EXPERIAN HAS SENT. Experian said they updated the dispute but absolutely nothing got removed, changed, nor updated. Literally stayed the same. I have sent multiple letters, submitted a complaint, If the next step is to take legal action using the FTC acts for reporting INACCURATE INFORMATION ON MY CREDIT REPORT, I WILL! I do not mind spending money and time on this incorrect information. I have kept a paper trail of everything I have sent off with certified mail and a copy of the letters.

A collection is by default past due, DELETE account for inaccurate reporting.

Collection is reporting with 2 different dates of last activity. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last activity. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last reported. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last payment. REMOVE for inaccurate reporting on my file.

If this is the same account being reported by the same source why is this data different? Delete account for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the unauthorized inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Dispute attachment ; Case No, ; XXXXVerbal communication ; XXXX 's / Ocwen Ombudsman XXXX ( XXXX ) pmDear XXXX XXXX XXXX : This letter comes as an attachment for your assistance and consideration within the processing and researching of unfair labor practices on the part of our Lender, Ocwen Loan Servicing LLC . / Homeward Residential. Recently I spoke with the Ombudsman Department for our lender who assured me that I would receive a follow up conversation from yourself within a 48 hour period via phone contact. With the hopes of your assistance acting on the part of mediation between the XXXX 's and the Ocwen loan servicing ( Home retention ) department, I was instructed to write you with our concerns. The agent whom I spoke with was both very compassionate as well as helpful toward a possible resolution to the resending of the sale of our Home. We discussed my concerns of requesting the recorded phone conversations of which I provided the date of the agreement and proof of phone record lasting a full period of XXXX minutes which precede the date of sale ; This call ( in my opinion ) was proof of an oral agreement made between myself and Ocwen as documented within the complaint dispute. I assured the agent of our sincere understanding that, we did n't believe Ocwen was accountable but Homeward who made the error during " as he stated the enveloping '' between the XXXX companies which resulted in miscommunication and premature sale of our residence. With two days remaining of the fulfilled and agreed upon date of reinstatement monies paid, the agent provided me with a very important fact regarding the phone recorded conversation. The agent stated that the phone conversation my no longer be attainable but the notes made to the account would most certainly be available ( such as the notes he was taking during our present conversation ). This is the information Ocwen servicing personnel should have been researching as proof of a standing agreement. Honestly I never thought of this, and given all of the time wasted and monies paid defending my families interest this was an extremely bittersweet moment. He informed me as well to speak on particular XXXX talking points which are as follows : It was not our intention to allow our Home to undergo foreclosure and certainly without our knowledge ( given we were assured due to the previous sale date not occurring should be sufficient proofs our loan was under review and the agreement being honored ) and strove earnestly to prevent a foreclosure from occurring. The second talking point was as follows : Given the current changes of our annual income, through a corporate merger between our previous company and a Major contracting firm, our balance of our loan is nearly 50 % of our annual income and that perhaps the C.F.P.B could act as a possible mediator toward a mutual and fair resolution to end this matter and we retain ownership of our home. Ocwen Ombudsman Agent stated he would follow up with a call to me should I not hear from yourself after 48 hours as he would be tracking the progress between the C.F.P.B and the XXXX 's.
Product: Checking or savings account

I was charged overdraft which I expect.. {$35.00}. But an extended overdaft was charged to me a week later for {$25.00}. Its obviously hard enough to pay it back, why make it harder? I 'm already being charged {$12.00} a month to have the account and the make interest on my money.. what the XXXX are they doing for me to cost me so much money??? Its ridiculous. It 's illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd request I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XXXX I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Required identity documentation attached. 


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

I applied for a equity loan with my mortgage company and was turned down. I was told by a representative with the mortgage company I was eligible for the loan, I only needed a credit score of XXXX to obtain the equity loan however I did not here back from them.
Product: Checking or savings account

Overdraft fees charges on withdrawals that were approved prior to account being negative. The company approved the payment before it went negative making me believe the payment was processed only to reprocess or duplicate the payments made making some payments overlap causing fees
Product: Mortgage

My home loan was transferred from XXXX to this new servicing company, Loan Care XXXX # XXXX. They were behind and delayed in sending communications about the transfer of the servicing and apparently my direct autopay was removed, even though they have it on file. I made the payment on XX/XX/2019 online since the new servicing Company stated over the phone, upon speaking with me that my autopay was not transferred and I needed to establish that again. I received this information also in writing. Today, XX/XX/XXXX, I realized that the new servicing Company ( Loan Care ) took the initiative to take another payment without my consent. I called them today immediately to request refund but they told me will not be able until XX/XX/XXXX. I told the specialist as well as his supervisor that's unacceptable because I have another auto draft mortgage payment that is scheduled for this Friday and my money {$880.00} needs to be back into my checking account this week, by XX/XX/XXXX, ASAP to avoid incurring in late fees or credit impact. 

I am reaching to this regulatory agency for help since they are not taking seriously my concerns. What they did is a violation of bank regulations, taking additional payment without customers consent even when the account shows current. That's crazy!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 I sent XXXX, transunion, XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX, transunion, XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.
Product: Credit reporting or other personal consumer reports

On XXXX I filed a complaint XXXX with the CFPB. In the complaint I stated : I have reached out to Transunion as well as XXXX XXXX on numerous occassions in reference to the fact they are reporting inaccurate information on my credit report. According to The Fair Credit Reporting Act ( FCRA ) all information should be 100 % accurate. My XXXX XXXX account state XX/XX/XXXX ( ok ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is a violation of The Fair Credit Reporting Act as this information is inaccurate. Transunion and XXXX both have violated my rights stating the account has been verified as accurate as shown the the multiple reports I have received from Transunion. The Fair Credit Reporting Act requires the account to show 30 days, 60 days, 90 days and 120 days if an account is in fact late which I wasnt on this account. I included supporting documents with that complaint which I am includin again. 

According to the CFPB the complaint was sent to Transunion on XXXX. The Fair Credit Reporting Act states investigations must be completed in 30 days. Failure to complete the investigation requires Transunion to delete the item in question. On XXXX Transunion posted a response to the complaint. This is a direct violation of my protected rights. I am including a copy of the complaint named Complaint Detail XXXX filed with the CFPB to support when Transunion responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look into these negative items on my credit report I have disputed these items more then 30 days ago and have not received any validation or any confirmation which is a fcra violation these companies have also been harassing me this matter is extremely frustrating
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute information in my consumer report provided by your agency. Upon reviewing my report, I discovered non-public information about me has been disclosed to a non-affiliated third party without my written consent, possibly violating the provisions outlined in 15 USC 6802.

As per the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure raises concerns about my privacy rights, as I was never given the option to opt-out, as mandated by law.

I observed that certain accounts, specifically those associated with [ Creditor Names ], are being reported without my written consent. I want to clarify that my dispute lies with your reporting agency for disclosing and reporting information without proper authorization, not with the creditors.

Referring to 15 USC 1681b - Permissible Purpose, I note that a consumer 's written consent is required for the reporting of personal information. To date, I have not provided such consent, and I request proof of my consent to ensure compliance with this legal requirement. Failure to provide this evidence could be considered a violation of my FCRA rights. 

I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter, with complaint reference number XXXX. I believe the unauthorized disclosure and reporting of my personal information XXXX constitute a violation under 18 USC 1028a, akin to identity theft.

In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request the removal of the unauthorized inquiries from XXXXXXXX XXXX XXXX XXXXXXXX on the following dates : Inquiry date XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XXXX XXXX, XXXX I assert my right to a fair and accurate credit reporting process, and I believe prompt removal of these accounts is essential to rectify reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and proof that I was given the option to opt out of the reported information. This ensures your reporting agency adheres to necessary standards for accuracy and fairness in credit reporting.

I expect your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with FCRA provisions may result in further legal action. 

Thank you for your immediate attention to this matter.
Product: Debt collection

On XX/XX/2018, I contacted the creditor and informed them that the debt did not belong to me as I was not the recipient of services, nor my child, and both my child and I were medicaid recipients during the alleged date of service. Furthermore, the address that they had on file has never been my addressed and it is where they sent all previous notifications to. 

On XX/XX/18, I sent a letter to the Creditor requesting for verification and validation that the debt belonged to me, including any documentation that they have the proves that I am contractually responsible for the debt and a document bearing my name and signature. I also requested documentation evidencing that the debt was acquired by them and/or assigned to them. Additionally, since it was a medical related debt, it is customary for identification to be obtained at the time of service as well as consents to treatment. I requested them to provide such information as proof of the debt belonging to me or my child. 

On or around XX/XX/2018, the Creditor sent me a copy of a bill, with nothing more to evidence that the debt legally and contractually belonged to me, nor evidence of the assignment of debt. 

The amount of the debt is {$960.00} and the name of the person who received services is not me. 

I also reported this item to the XXXX credit bureau and they reported it as verified as accurate, however a bill is not proof of verification of a debt.
Product: Money transfer, virtual currency, or money service

The fraud case : An internet site impersonated a known medical doctor ( with his real picture shown on top ). The site allowed medication to be purchased with listed prices. After I made a purchase for {$610.00}, an email was sent to me, identical with the original correct one belonging to the doctor, but with an extra dot inserted : Internet site XXXX ( fake ) Real email address : XXXX Fake email address : XXXX Initially i did not know the real address. I found out later on. 
The email asked for a choice of payment for the {$610.00}, including XXXX which was my choice. 
They gave me a name in another email to send to : Name : XXXX XXXX Email : XXXX I made the payment through XXXX from my account at Wells Fargo. 

After that I started to realize form their future actions the fraud and I contacted my bank. 
The claim was denied.
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. 

XXXX  Account : XXXX # XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681. 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of info Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 


I did not give XXXX, XXXX, and Equifax written instructions on these accounts XXXX : # XXXXXXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I made a mistake on putting my son middled name .and he wasent able to get his money i called moneygram at XXXX and at XXXX. An they told me to cancel the transaction because they cant change the name. An that i had to wait 3 to 10 days to get my money back im XXXX  i get ssi an my son is XXXX an he dosent under stand good an he had a fit. I asked money gram i had him in my record of money alreay to please change the name an they said no. I asked to speak to a supervisor i was told the didnt have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to disputing an account on my credit report with a company called XXXX XXXX. The company reported to my credit report when it should've never been reported. I paid my bill to XXXX XXXX XXXX, XXXX. The physician 's office posted my payment to someone else account in error but fixed it and notified XXXX XXXX that, in fact, I didn't owe anything, and my account was sent to them in error. I've also had a hard time with the collection agency removing this from my credit report until I informed them that I filed a complaint with cfpb against them. I received a letter from XXXX XXXX that they have already requested from all 3 credit bureaus to expunge from my credit report, yet Equifax refuses to update my credit report. I sent Equifax the letter advising them of proof, and they still have yet to update my credit report to have this company removed.
Product: Checking or savings account

Hello, on XX/XX/XXXX the joint checking account I hold with my wife at Valley National Bank ( XXXX, NJ ) was assessed a {$15.00} service charge. Although I get over {$1000.00} of direct deposit twice a month at Valley Bank, my balance at the end of XXXX was only {$1.00}. Since there was only {$1.00} in the account at the time of the service charge, my account balance went negative and my XXXX account statement reflected my balance as being in the red by {$14.00}. 

A few days into the month of XXXX, I logged into my online account and noticed the negative {$14.00} balance. As soon as I became aware of the negative balance, I called the XXXX number and spoke with a representative to learn more- I was not expecting a service charge, and I wanted to understand the service charge rules to avoid incurring these fees in future months. I also realized that I needed to quickly restore the negative balance, so on XX/XX/XXXX I transferred {$110.00} to the account from a savings account at a different bank. 

The representative explained that since my balance held less than {$100.00} on the last day of the month, the service charge was assessed. I informed her that I was immediately moving funds into the account so that the account would no longer reflect a negative balance and I also asked for and received a one-time courtesy waiver of the service charge. 

HOWEVER, THE ACCOUNT WAS ASSESSED A SECOND SERVICE CHARGE FOR {$15.00} ON XX/XX/XXXX. 

WHEN I CALLED THE XXXX NUMBER THIS TIME, THE REPRESENTATIVE EXPLAINED THAT IF AT ANY TIME DURING THE MONTH MY BALANCE FALLS BELOW {$100.00}, THE ACCOUNT WILL BE ASSESSED A SERVICE CHARGE. 

SO ESSENTIALLY, AS THE CALENDAR ROLLED MY NEGATIVE BALANCE ( THE ONLY REASON IT WAS NEGATIVE WAS DUE TO THE SERVICE CHARGE ) FROM XXXX TO XXXX, THE ACCOUNT WAS SET TO BE PENALIZED WITH A SECOND CONSECTUIVE MONTHLY SERVICE CHARGE. 

There was ABSOLUTELY NOTHING I could do to prevent this second charge from tacking to my account. 

I find this practice to be highly egregious and I would like to request a waiver of this second service charge, but more importantly, draw attention and raise awareness about this deceptively malicious bank service charge structure. Thank you.