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

I am submitting a complaint against the credit reporting agencies XXXX, Experian, and XXXX due to inaccuracies in my credit report, which violate the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I filed a dispute with XXXX, XXXX, and Experian addressing incorrect information in my credit report, specifically regarding the following items : 1. Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic XXXX  XXXX Account Number : XXXX Update to paid as agreed. 
2. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX  Account Number : XXXX Please Delete Immediately 3. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX Account XXXX : XXXX Please Delete Immediately 5. This is not my name. 
Incorrect Name - XXXX XXXX XXXX Please delete this inaccurate name from my credit report. 
XXXX. This is not my address Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS, XXXX Remove this address from my credit report I supplied all required documentation and evidence to support my claim. Unfortunately, even after the investigation, the erroneous information remains on my credit report.Despite submitting a dispute with evidence, the credit reporting agencies failed to correct the errors. This violates their duty to provide accurate information and correct and update information. They also neglected to indicate the dispute by me and provide notification of consumer dispute in my subsequent reports. They also failed to follow reasonable procedures to ensure maximum possible accuracy of my report.
Product: Credit card or prepaid card

Today, XX/XX/XXXX, I received a notice from Bank of America stating an increase to the annual fee charged to my credit card. The notice also said my account would be closed on the same day If I declined the new agreement that will take affect beginning of XX/XX/XXXX and the will be charged on my anniversary date which will be XX/XX/XXXX. I called to reject the new fee and to object this new agreement. The customer service representative named XXXX advised me that I could not use my card anymore or be refunded a prorated annual fee amount because I rejected the new terms and my account is closed. I advised her that this can not be right because I paid for an annual subscription on XX/XX/XXXX. I had agreed to the terms that were set forth on XXXX XXXX stating that my annual fee would be {$59.00} for the next year. I also told her that this agreement does not take affect until XX/XX/XXXX and I should be allowed to use my card that I paid a subscription to use until XX/XX/XXXX of XXXX. Bank of America and I had an agreement on XXXX XXXX stating if I paid {$59.00} I would have access to use my credit card for this upcoming year. Now I get a new statement and it saying if I dont agree with an agreement that doesnt take affect until next year then they will cut my card off now. I paid for a service for one year and I should be legally obligated to use that service for that for that one year or be refunded a prorated amount. XXXX was not able to help me and I was transferred to another representative named XXXX. He told me the same thing, saying because I rejected the new terms Bank of America will close my account the day that I reject the terms. They will not refund any amount of money and will not allow me to use my card. I asked if I could speak to another representative or legal and he gave me a phone number to fax because thats the only way to contact them and said I will have to wait for a response from them based on any inquiries that I sent via fax. I dont understand how a company can charge you an annual fee to use a credit card and then five months into the annual agreement they change the terms for a future agreement and see if I dont agree I am not obligated to finish out the service I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

city bank Na Best Buy XX/XX/2017 and XX/XX/2017 made a hard inquiry which wasn't authorized by me and it is affecting my credit.
Product: Mortgage

XXXX sold my second mortgage to Ally Loan Administration and I have been making payments and they are not applying them to my mortgage and keep charging fees and added interest. I have written and called them several times and they refuse to give me paper statements, credit my account with the payments and switch off electronic documents. They will not allow me access to my account electronically either to try to download the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Open balance : {$1900.00} & {$2700.00} Collection Creditor : PARAMOUNT RECOVERY Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian a dispute letter due to accounts being reported on my credit report in error. Experian is reporting that the below accounts are included in bankruptcy and there is no bankruptcy listed on my credit report therefore these accounts need to be deleted. Under the FCRA 15 U.S. Code 1681 it states accuracy and fairness of credit reporting. You are reporting inaccurate accounts that are included in a bankruptcy and there is no bankruptcy on my consumer report. You have caused me so much emotional stress please delete the following inaccurate accounts. I have also attached the dispute letter, my drivers license, my social security card and utilities bill for your review. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

In XXXX, I added my Savings account to my PayPal account to pay a business expense. My PayPal account was supposed to withdraw from existing PayPal funds first, then my credit card, then my Savings account. When I XXXX  out my PayPal account for an XXXX transaction, PayPal immediately withdrew from my Savings account ( which only allows 6 withdrawals a month due to Federal Regulations ). When I was notified of two direct withdraws, I complained to PayPal and then switched my primary payment from my PayPal funds to my credit card. PayPal continued to bill my Savings account directly regardless without my explicit authorization and resulting in my bank charging me an initial {$10.00} transfer fee ( I expect another {$20.00} for the remaining two unauthorized charges ). 

I then tried to remove PayPal 's access from my Savings account on several occasions online, and the service simply won't allow me to remove it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit reports with XXXX, Equifax, and XXXX. The discrepancies in the reported data are significant and have led to a misrepresentation of my credit profile. Additionally, there are concerns regarding a breach of privacy, as my personal information appears to have been mishandled or improperly shared. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : XXXX : No late payments reported Equifax : Was 90 Days Late XXXX XXXX XXXX : No late payments reported Violations and Impact The discrepancies between the credit bureaus in terms of the date last active and payment history are severe. The inconsistent reporting of late payments, with Equifax indicating a large number of late payments while XXXX and XXXX show none, is particularly misleading and damaging. Additionally, the potential unauthorized sharing or mishandling of my personal information with third parties constitutes a serious breach of privacy, causing undue stress and potential harm. 

XXXX Laws and Regulations XXXX. XXXX XXXX XXXX ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Responsibilities of XXXX of XXXX : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX. XXXX XXXX XXXX ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The unauthorized handling or sharing of my account information, particularly with third parties, constitutes a breach of my privacy rights. This includes disclosing sensitive information without proper consent or authorization.
Product: Mortgage

Loan depot ran an escrow analysis of our loan incorrectly, not taking into account our tax exemptions. This created our monthly payment to more than double. We have sent them the documentation reflecting our tax exemptions from our local county. This has been going on for months now and they are not accepting our payments in the normal amount ; instead, they are requiring us to pay the new ( incorrectly larger ) amount. Now our payment is 2 months behind and we have received letters stating that our loan is at risk of being foreclosed. This is the second consecutive year that this has happened to us. Last year it took them over 6 months to correct the issue, having us to take part in a forbearance program only to receive a refund over {$6000.00} in XXXX after finally correcting the issue. This is a VA backed loan.
Product: Debt collection

On XX/XX/year>2024 on a recording I spoke to XXXX XXXX at that time I asked him to validate a collection he posted on my credit report I have no clue Who you are so after I verify who I was he research the account and found multiple accounts but he said he didnt find any accounts for me XXXX XXXX So I asked if hide company remove the inaccurate account.he is collection company and when did they start placing accounts on collections at that point he refused to give any details this not legal I sayed and I am reporting this to the BBB Followed By a law suit against your company for id theft
Product: Credit card

Late charge XX/XX/year> of XXXX dollars Late charge XX/XX/year> of XXXX dollars Both charges are in violation of cfpb excessive late fee charges can not be more than XXXX dollars
Product: Checking or savings account

JP Morgan Chase restricted my account for filing a dispute, and now has refused to give me a XXXX person their money XXXX for over XXXX weeks. They refuse to provide info on the matter and it is causing my financial penalties as I do not have access to my money because of JP Morgan Chase targeted discrimination and theft of a XXXX person. 

With prior complaints Chase has lied to consumer financial protection bureau and said things were resolved. They have made no effort to resolve anything.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I attempted to convert XXXX Bitcoin to {$2700.00} usdt using coinbase.com. I noticed the fees were quite high but lower on coinbase pro, so I attempted to transfer my account to coinbase pro. My account was frozen immediately and I can no longer make any transactions or withdraw any money. They have no customer support team and it is impossible to get any response from them in order to unlock my funds. This is completely unacceptable.
Product: Student loan

Student loan repayments started back up. I signed in with MOHELA, my current servicer, and saw that I had made the requisite number of payments to fulfill my public service loan forgiveness. They continued to send me letters about repayment. I called customer service and then was put on hold for over an hour before finally giving up. I emailed them on multiple occasions but did not receive any confirmation that they were working on the issue. Last month, I signed in and saw that I no longer had a payment due. I assumed this meant, they had sorted out the problem. Today I received a letter that they would be auto-debiting {$400.00} from my bank account in XXXX. So, I emailed them again and pointed out that I had reached the requisite number of payments for forgiveness. As before, I have received no notification that they got my email or that they will get back to me. I do not expect that they will ever get back to me. I'm sure you can understand how frustrating and stressful it is to worry that they will be taking money from my bank account that they should not be taking and have no control over the situation and no way to get through to talk to a customer service representative.
Product: Bank account or service

Beginning in XXXX 2016, I have been attempting to close the remaining account from my deceased parents ' estate. I called WELLS FARGO BANK to find out what they needed from me to withdraw the funds and close the accounts, then visited a branch bank with the requested documents. An important document was the XXXX Small Estates Affidavit prepared by my attorney to give to banks permitting me to distribute small assets such as the Wells Fargo Bank checking and savings accounts. Wells Fargo Bank informed me I could use the affidavit for a savings account that had less than {$300.00} but not for the checking account which had about {$25000.00}, because the balance exceeded the acceptable limit for small estates. When I asked what the limit was for small estates assets I was told by the branch manager she thought it was {$2500.00}. I did homework online and discovered from a State of XXXX website that small estates affidavits are used for personal assets valued up to {$60000.00}, far more than the checking account balance. I returned to the bank with this information. Wells Fargo Bank then created another reason to deny me access ; they said though my parents last resided and died in XXXX, because the account was created in XXXX I needed XXXX court documents to permit me to act as agent. My attorneys in XXXX and XXXX both said Wells Fargo Bank is wrong. I confirmed this by calling the XXXX XXXX, XXXX XXXX office. Meanwhile Wells Fargo Bank froze the account assets. The bank 's requirements described here were communicated to me by the bank 's legal department through a branch employee. My request that my attorney be conferenced into a call to the bank 's legal department was denied. Wells Fargo Bank will not permit me or my attorney to speak to their legal department, I was told only bank employees can do that. Instead I or my attorney can WRITE A LETTER to them. The issues that I want resolution on and I am alerting the CFPB of are as follows. 
1 ) WELLS FARGO BANK must permit me to act on the Small Estates Affidavit by removing the assets and closing the checking account. 
2 ) WELLS FARGO BANK appears to be drawing out this process by not informing me of all the requirements at once, instead, repeatedly informing me of another requirement after I meet previously stated requirements. 
3 ) WELLS FARGO BANK was not forthright when it initially refused the Small Estates Affidavit, informing me the account value was too high when in fact the value was far below the State of XXXX limit. 
4 ) WELLS FARGO BANK is impeding a resolution by denying me and my attorney the ability to speak to the legal department directly. By all appearances Wells Fargo Bank is attempting to slow the path to a resolution with intent to hold onto my parents ' assets longer than legally justified.
Product: Credit reporting

I have been trying for 2 yrs with this account XXXX. on my credit report I have never had a XXXX account in my life. 

Also Acceptance now is showing false original blance my total what I purchase was only XXXX so where did balance XXXX comes from I had insurance if I had gotten sick. that 's consider fraud with company.
Product: Credit reporting or other personal consumer reports

I see numerous fraudulent inquiries in my report and it's alarming. I want them to be removed as soon as possible. I have the right to have an accurate credit reporting. Kindly remove the following as soon as possible : XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX- inquiry date XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a brand new XXXX from XXXX using my XXXX  XXXX XXXX credit card for a total of {$590.00}. The item number on XXXX is XXXX. The PayPal transaction ID is XXXX. On the listing the seller stated to have had the phone fully paid off as well as having a clean IMEI number. The phone was received brand new and functioned properly for 2 months. The phone stopped functioning in XX/XX/2018 because XXXX blocked the phone from having cell phone service. I contacted XXXX and they told me that the phone had been blocked due to the phone not being paid off. I reached out to PayPal/XXXX immediately and submitted a dispute. I received a response a few days later after they completed their review and they said the case was not decided in my favor. They stated that the " seller had sufficiently described the merchandise ''. I submitted proof from XXXX to them that the phone is not functioning because it is not paid off. Clearly, their decision is erroneous and this transaction was fraudulent. The phone is completely non functional and it's not for any reason of my own. I am requesting a reimbursement of my purchase in the amount of {$590.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Relocated to another state and received the final bill of {$400.00} on XXXX that would fall due on XX/XX/XXXX. Paid the entire bill on XX/XX/XXXX, but the balance was sent to LJ Ross Associates for collection on XX/XX/XXXX although the bill was paid on XX/XX/XXXX. A representative told us we had 60 days to make the final payment before it would even be sent to a collection agency, so we paid it before the 60 days past due mark. 

The collection agency and XXXX ( XXXX ) have been going back and forth about this since XXXX, and since then, the collection agency has now put this balance on my credit report, and it is being reported to all 3 reporting agencies although this was paid on XX/XX/XXXX, and it should never have gone to a LJ Ross Associates. LJ Ross Associates has constantly received information from XXXX stating we owe the {$400.00}, but when we call XXXX, they state we paid it on XX/XX/XXXX and it should have never gone to an outside collection agency, and they say they have been sending information to LJ Ross Associates showing that we paid the balance on XX/XX/XXXX. This is frustrating and all the while, it has caused my credit score to dip over 20 points. 

Please help!
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting

I have paid off both XXXX XXXX accounts on XXXX/XXXX/16 and XXXX XXXX in XXXX also. XXXX of the XXXX XXXX shows being paid but not the other and they were both done and cleared my bank on the same day.
Product: Credit reporting or other personal consumer reports

On checking my credit today, I noticed unauthorized credit inquiries. I mailed letters to XXXX, Experian, and XXXX disputing the unauthorized credit inquiries which are supposed to be deleted as per the Fair Credit Reporting Act. 

Experian, XXXX, and XXXX have not removed the unauthorized credit inquiries from my credit report to date. The unauthorized credit inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt just appeared on my credit. Never got an email or letter mailed from anyone.