23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'M NO LONGER ASKING FOR A RE-INVESTIGATION. I'M REQUESTING A DELETION OF THE ACCOUNT, AFTER SEVERAL OPPORTUNITIES FOR EXPERIAN TO UPDATE THE ACCOUNT TO MAKE IT ACCURATE. 

XXXX XXXX XXXXXXXX XXXX XXXX. Last Verified is blank. How could that be? INACCURATE REPORTING. DELETE THE ACCOUNT IF CAN NOT VERIFIED 2. Date of Last Activity reporting XX/XX/XXXX, but last payment is reporting XX/XX/XXXX this is INACCURATE. DELETE THE ACCOUNT IF CAN NOT BE VERIFIED. 
XXXX. Account status is reporting closed, but no closed date is reported and the date closed. INACCURATE REPORTING. DELETE THE ACCOUNT IF CAN NOT VERIFIED XXXX. Last Payment : XX/XX/XXXX, but " Payment Amount '' is {$0.00}. If there was a payment XX/XX/XXXX they how much was actually paid. DELETE THE ACCOUNT IF CAN NOT VERIFIED XXXX. High balance is reporting {$0.00}. How care this be, when the account is showing {$2300.00} past due and a limit of {$2500.00}. INACCURATE REPORTING. DELETE THE ACCOUNT IF CAN NOT VERIFIED 6. Date of First delinquency is not being reported. INACURRATE REPORTING. DELETE THE ACCOUNT IF CAN NOT VERIFIED Experian is violating the following FCRA reporting requirement : under 15 U.S.C. 1681i : 1. Reinvestigation of Disputed Information When a consumer disputes the accuracy of information in their credit file, the credit reporting agency ( CRA ) must : Conduct a reasonable reinvestigation within 30 days to verify the accuracy of the information.

Promptly delete or correct any inaccurate, incomplete, or unverifiable information.

The CRA must provide notice to the furnisher of the information and include all relevant evidence supplied by the consumer.

AND Duties of Information Furnishers ( 15 U.S.C. 1681s-2 ) : Duty to Provide Accurate Information ( 1681s-2 ( a ) ) : Prohibition on Reporting Inaccurate Information : Furnishers of credit information, like lenders, are required to provide accurate information to credit bureaus. They can not knowingly report incorrect or misleading information.

Duty to Correct and Update Information : If they learn that the information previously provided is inaccurate, they must promptly correct or delete that information.

Duty to Notify CRAs of Delinquencies : When reporting information about delinquent accounts, furnishers must ensure they accurately reflect the date of delinquency to help credit bureaus calculate how long that negative information can stay on a consumers credit report.

Duties Upon Notice of Dispute ( 1681s-2 ( b ) ) : Investigation of Disputes : When a consumer disputes information on their credit report directly with a CRA, the furnisher is obligated to investigate the disputed information after receiving notice from the CRA. They must report the results of the investigation back to the CRA, correct any inaccurate information, and ensure the consumer is informed of the results.

Continuing Accuracy of Information : If a consumer successfully disputes a report, furnishers must ensure the corrected or updated information remains accurate going forward.
Product: Mortgage

I make reference to my complaint number XXXX and several others before that, under which Ocwen keeps sending previous responses stating that they acknowledge that my loan # XXXX has been satisfied and that they have 'filed the corresponding documentation with the county clerk 's office ' ; however, Ocwen does n't include such filed documentation nor indicate with what county clerk 's office did they do such filing. 
I have recently had a title search done on property XXXX XXXX XXXX - XXXX - XXXX XXXX, NY XXXX and no recording was found. 
Ocwen keeps being oblivious to my request and keeps reminding me that the loan has being paid off, forgetting that I was the one paying the loan for 28 years and therefore, I am completely aware that the loan was paid off on XX/XX/XXXX. 
Ocwen does n't need to tell me nor remind me that the loan was paid off on XX/XX/XXXX but they rather need to send me the proof that I 've been asking for : i.e. Document they indicate have submitted to the county clerk 's reflecting the pay off of the loan. 
Ocwen 's letter dated XX/XX/XXXX, asked that I send a letter directly to XXXX XXXX via mail. They only provide a PO box address. They also provide a phone number ; however, no one answers. One has to wait at least 48-72 hours for someone to answer a phone call (? ). 
Something seriously wrong is going on with this institution : They do n't answer calls and when they answer any correspondence, they answer anything but the requested issue. 
I am sending a letter directly to XXXX XXXX with the hope that this time my request is understood and thus Ocwen provide me with the proper response and that Ocwen finally comply with its obligation. Should Ocwen still need further clarification to my request, please feel free to call me at XXXX.
Product: Credit card

I have been a Citibank client for 11 years and I had 2 Citibank credit cards, at some point I added an additional external bank where I had some funds to pay off my credit card. 
I mostly use Citibank app to manage my account and from the app is impossible to remove a bank while its pretty easy to add one. Well, I accidentally used the wrong bank to pay the credit cards 2 or three times cause the wrong bank would be randomly selected by the app as a payment option. Every time I ratified the payment by paying from my Citibank account where I had the funds.to be clear I never owed credit card debt with Citibank in at lead 6/7 years. The payment request from a bank without funds is treated as an uncovered check, implying a XXXX $ penalty, so you are already been punished for the innocent mistake. Because of these incident Citibank decided to close my credit cards even though my record in impeccable besides this silly fact, after numerous calls and explanations my appeal was denied. Now, I dont mind about the closure of my credit cards, I have great credit and several others but I do mind about years of credit card points worth XXXX if not XXXX of dollars that have been unilaterally stolen by the bank. Id like to do everything it takes to bring justice to a clear malpractice. I hope I can receive assistance on this. 
Thank you. 
Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report from XXXX and XXXX its being fraudulently reported that i still have late payments on closed accounts this is illegal according to chp 15 USC 1681A a credit reporting agency can not report closed accounts as being late this is a violation of my consumer rights and I look to start litigation with NAVY FEDERAL, XXXX AND XXXX IF THESE ACCOUNTS ARE NOT REMOVED. THE COMPANIES IN QUESTION ARE XXXX XXXX WITH AN AMOUNT OF XXXX AND NAVY FEDERAL WITH AN AMOUNT OF XXXX AS OF XXXX, XXXX 2022 REMOVE IMMEDIETLY.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report, XXXX : XXXX Account Number : XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$510.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$3500.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX XXXX Account Number : XXXX {$47000.00} XX/XX/XXXX XXXX Account Number : XXXX {$3900.00} XX/XX/XXXX XXXX Account Number : XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$510.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$3500.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$47000.00} XX/XX/XXXX XXXX Account Number : XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$3500.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX received a " Notice of overdraft '' letter from TCF- this notice does not show *Dates " of the transactions- and is completely out of SEQUENCE* when comparing with the Transaction History and 'running balances '' - With this notice 'SIX ' transactions transpired- all are 'randomly- dated XXXX XX/XX/XXXX and XX/XX/XXXX the ( balances on notice ) - are Not the Same when comparing to online transaction history with 'running balances ' on XX/XX/XXXX charged over draft fee of $ XXXX the only transaction was on XX/XX/XXXX for $ XXXX notice shows negative ( When comparing to transaction history and running balance on this date balance shows a Positive amount ", on XX/XX/XXXX Another overdraft fee $ XXXX that leaves Five- transactions of the 'Five '' remaining- ( the dates are two are on XX/XX/XXXX and XXXX on XX/XX/XXXX ) They are- Not Processed consecutively/ not Processed in order of " dates '' / Randomly Out of " Sequence ' THE FUNDS WHERE ALL AVAILABLE FOR ALL 6-TRANSACTIONS- See enclosed Notice -plus- Transaction History with Running Balances- I should not be charged overdrafts.. Total {$74.00}
Product: Credit card or prepaid card

My complaint is with the Pay Bill Process at Bank of America Credit Card using online or mobile app. 

My bill was due on XX/XX/2023 and I wanted to schedule the payment and amount using my checking account information. I used the mobile app which steered me to the ebill and payment process. My intension was to enter my bank routing # and acct # along with the amount and date to make payment but it appears as if Bank of America wants to force customers to schedule payment and amount but before they do so their process verifies that you have an account with the bank and that it has sufficient monies in the acct to make payment. So to verify that the account is valid, they will send 2 small deposits to my account then shortly thereafter debit my account to retrieve the monies. I have a problem with this. 

I don't like any company going into my account. If the account balance is not sufficient to cover the payment that is my problem as a customer and I should be charged whatever fees are appropriate for insufficient payment. I do not need to have Bank of America monitor my ability to manage my checking account. I believe the Bank has over stepped boundaries with customer bill paying. 

In addition, my bank account information would be stored on the screen as well as in their databases which I don't like a result of the rise in data breaches being reported. As Bank of America is not my primary bank and is just a temporary creditor, I do not want to store my bank information. 

The one-time payment option which is suppose to exist will not work unless it includes the verified bank information. So each time a one-time payment is made, the verify process will be invoked. Thus, can't make one-time payment on line or through the mobile app, because they both use the IVR process XXXX 

The one-time payment can only be made using the phone. This is not very convenient and does not work like other banks bill pay process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously took out an educational loan to pay for my college from XXXX XXXX. They are now Launch Servicing LLC. I only have one loan from this lender. Recently, I went to look at my credit score since I am a senior about to graduate. On my credit report, there are two reported duplicate loans from this lender even though I only have one. When I called to inquire about this to the company, they stated that they changed from XXXX XXXX to Launch Servicing LLC and this caused many people to have duplicate loans show up on their reports. One loan is listed under Ascent, one is listed under Launch. They told me that if I filed a dispute with the credit bureau, they would confirm that the dispute is valid and take off the duplicate loan so only one is listed. However, the dispute I filed was denied. I refiled the dispute and called Launch again demanding the duplicate loan to be taken off because it is bringing my credit score down XXXX points. Now I have to wait to see if the second dispute is approved, but overall they have done nothing to help me resolve this issue and because of their mistake, my credit score is lower. I do not recommend taking out a loan from this company, they are very unreliable and won't work with you to resolve issues like this. Attached is the loan payoff letter for the one and only loan I have from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are XXXX XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Product: Mortgage

I was granted a loan modification but its a little to high to pay and I don't want to be in this same situation ever again. The trial period mortgage payment is {$720.00}. With this payment, I may end up back in this same position. I am asking for the proposed payment be reduced by $ XXXX {$150.00}.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX. XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

My identity was stolen. There were 14 credit inquires I do not recognize on my Experian 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
Product: Checking or savings account

Wells Fargo incorrectly charged me overdraft fees numerous times when funds were in my account to cover transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants is  reporting a debt from  XXXX  that we disputed for about a year. We are in the process of purchasing a home, and the record was drastically affecting my credit. We finally just paid the debt, because they said we could get the account removed with payment. Now they are saying they do not do payment for removal.
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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

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 a account without my written instructions 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.XXXX XXXX  XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions, XXXX XXXX XXXXXXXX. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Product: Credit card

For a few years I 've had a Credit Card called " Ink '' from Chase Bank. It is a revolving credit account. My payment due date is the XXXX of each month. On XX/XX/2017 I went online as usual to access and make my payment. However, in this case, the Chase Bank CC account indicated my Total Account Balance was {$11000.00} and due to an unrelated legal settlement recently received, I had the funds necessary to pay off several debts including this Chase Bank Credit Card. So, on the due date ( XX/XX/2017 ) I paid in full the entire Account Balance of {$11000.00} without hesitation. Subsequently, by mail I received an new Credit Card Statement claiming that now, after the fact of my having " paid-in-full '' the account balance, I suddenly owe Chase Bank, on XX/XX/2017, " Interest Charges '' of " + {$200.00} '' dollars! Chase Bank is charging me a " Purchase Interest Charge '' of {$71.00} and a " Cash Advance Interest Charge '' of {$92.00} and a " Balance Transfer Interest Charge '' of {$36.00} to attempt to justify the {$200.00} total Interest Charge. When I contacted Chase Bank Credit Card services by phone and asked how this after-the-fact Interest was possible, CHASE BANK ACKNOWLEDGED I had indeed " paid the entire account balance in full ''. BUT, claims this is " because our billing cycle on the account balance you paid off did not include 'new ' interest charges we calculated to your account, even though you paid your account in full. '' WHAT!?!?? 
HOW IS IT LEGAL OR LEGITIMATE OR ETHICAL TO CHARGE INTEREST TO CONSUMERS AFTER A CREDIT CARD ACCOUNT HAS BEEN PAID IN FULL?!??! 
This deceptive practice is unethical, illegal, and fraudulent on the part of Chase Bank Credit Card services ... .and in essence is allowing Chase Bank to continue to charge consumers ex-post-facto of our having " paid in full '' a Credit Card Account Balance. This fraudulent, damaging practice by Chase Bank should be immediately stopped by the CFPB.
Product: Bank account or service

In close succession, XXXX ACH debits hit my HSBC checking account. The XXXX ( on XXXX/XXXX/15 ) exceeded the balance of my account and was thus not paid ( reasonably so ). There were sufficient funds for the XXXX transaction ( on XXXX/XXXX/15 ), however, HSBC also did not make payment on this XXXX transaction because they had temporarily removed the funds from my account from the XXXX ( XXXX ) debit resulting in a negative balance even though they did not make payment on that debit. This temporary reduction of my balance not only led to to a legitimate debit going unpaid but also allowed HSBC to charge additional fees in a predatory manner.
Product: Credit reporting or other personal consumer reports

Jefferson Capital suing me for a account i have no knowledge on. My credit has a fraud alert and police report on my file.
Product: Credit reporting or other personal consumer reports

I sent Experian a copy of my light bill and license to prove the correct spelling of my address. My address is XXXX XXXX XXXXXXXX XXXX XXXX, Ga XXXX not XXXX XXXX XXXX XXXX XXXX, Ga XXXX