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

Capital One performed a hard inquiry on my Credit File without disclosing or asking permission after issuing a Credit Card to my Corporation. 

The Corporation has a good XXXX and XXXX and Capital One without authorization or notification pulled a personal credit file. 

Furthermore this hard pull was completely unnecessary as I have been a customer of theirs for over 4 years. They could have just as easily seen that i have NEVER had a late payment. They could have done a soft pull to satisfy their own curiosity if needed I need to reiterate this was a Credit Card issued to a business. A corporation and not an individual by any means. I did not sign a personal guarantee. 

There was absolutely no justified reason that this should have happened. 
When i called them to complain and demand that they remove it, i was given the run around and eventually told that they didnt KNOW HOW or KNOW WHO could undo their misdeed ...
Product: Credit card

UCC filing number indicates this account has been liened by the Registered Owner and Capital one has not performed taxation to complete the transaction but are fraudulently reporting and fraudulently reporting taxes with billing errors. A filed 1099 A was accepted by IRS yet Capital One is still committing fraud by usage and abuse and debtor name filed under UCC. If CFPB XXXX XXXX continues to neglect this matter a XXXX, XXXX and XXXX will be filed for security fraud, conspiracy to commit security fraud, and every other violation on our Private Fee Schedule under UCC, FCRA, Equity Law and Trust law for extortion of our property and for any deprivation or anguish suffered by our beneficiaries and/Trustees due to the misconduct and criminal behavior. XXXX XXXX has been sent several remedies as well as warnings and persist on committing fraud by using, trading, and extorting the debtor name on the account as well as the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting closed account on my report that should only be showing XXXX which is paid in full and closed. Also having been reporting my payments since 2017 even tho XXXX has been proving reports every month up untill last month ( XXXX ) when I made my final payment. Furthermore, addresses and misspelling of my name only address should be reporting is XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. Attached are my id and paperwork from XXXX and screenshots of whats on my file thats showing closed which are not mines.
Product: Credit reporting or other personal consumer reports

I disputed that account several thimbles and they keep updating it as paid as agreed verify as accurate if its verified as accurate why is it different between the XXXX different credit bureaus and if this has already deleted it make it make sense is either accurate or inaccurate black or white aint no in between
Product: Mortgage

During Covid I applied for a forbearance with my mortgage company since my husband was no longer working. It was granted. When we were ready to resume payments, I called and let them know, but they told me I had to pay the total amount upfront ( at the time about XXXX ) and I told them I couldn't afford that, but that I wanted to resume regular payments. We went in circles with them telling me I had to pay the full amount upfront, but that they would refer us to someone who could help us ; then they would hang up on us ( we have recordings of the conversations ). This went on multiple times over the course of a couple of months until my husband was finally able to speak with someone who said they would just extend the length of the mortgage for the overdue amount. We received the paperwork for this amendment, however, they blocked my online access to my account and thereby prevented me from paying my mortgage ( I have screenshots ). I managed to make 2 payments via the phone where each time I had to wait 20 minutes to speak to someone who once again told me I owed the full amount. I repeatedly called them over the next couple of months to try and get them to restore access to my on-line account so that I could pay my mortgage efficiently and timely, however they refused to re-instate it. They would hang up multiple times when I would ask to be transferred to someone who could help me. This is deceptive business practices and I do believe they want to foreclose on the house rather than resolve this issue.

Thank you!
Product: Credit card or prepaid card

I noticed my card was missing so I called my bank to let them know we found a couple of unauthorised charges on my account and we disputed it. A few weeks later I saw the charges posted on my account with a letter saying that they couldnt determine if there was a fraud based on no information. I called the bank again and the my decided to reopen the case and since then I havent heard anything from them tried to call a few times with no straight answer. This complaint will be my first step before going to the legal direction.
Product: Credit reporting

TransUnion file XXXX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XXXX/XXXX/XXXX. XXXX reports twice a month to TransUnion, and they refuse to remove the paid collection until XXXX XXXX XXXX! This is unacceptable and violates FCRA laws! I reported these discrepancy in XXXX XXXX. Now TransUnion continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report in XXXX XXXX and having my credit scores raised for the months of XXXX and XXXX XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XXXX/XXXX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XXXX XXXX and TransUnion wo n't remove it off my credit profile so my credit scores will be raised higher for XXXX the months of XXXX and XXXX of XXXX. Moving forward I give written consent to enter my credit profile. I have attached the creditors letters and receipt of XXXX XXXX XXXX to reflect no lates during my purcase and no lates to reflected on the auto loan before I filed BKXXXX in XXXX XXXX and had the BKXXXX Discharged. XXXX to supposed to show the debt is paid in full and should reflect a zero balance. In addition to XXXX for a medical bill that was paid by Nevada XXXX XXXX see attached XXXX ).
Product: Debt collection

XXXX XXXX continues to erroneously report ( and puts back on my credit reports if removed ) that I am not making payments debts that are more than 4 years old. ( past the statute of limitations in CA ) They are not allowed to report a late payment because the account has been closed for years and I have never agreed to pay them. Every month they erroneously report late notations.
Product: Checking or savings account

Wells Fargo has a monthly {$10.00} service fee if the balance in the checking account is less than a certain amount. One way to avoid the fee is by having 10 transactions during a month. Transactions include purchases and online bill payments. I had 10 transactions, but they changed the requirement to be only 10 purchases without notifying me.
Product: Mortgage

As instructed, I sent {$150000.00} by wire transfer to the mortgage servicer, which was confirmed, in order to recast the mortgage. The new payment and terms were confirmed in a letter from the service provider and thereafter, I proceeded to make the new monthly payments as instructed. 
Shellpoint : a ) Refuses to recast the mortgage ; b ) Has wrongfully impacted my credit rating ; c ) Is now no longer accepting my monthly payments ; d ) Has wrongfully marked the account as past due ( since they are refusing payments ) ; and, e ) Refuses to return my {$150000.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 me 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 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 - 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: Credit reporting or other personal consumer reports

XXXX : Recently checking my credit report I noticed that I've been a victim of identify theft and have found numerous accounts and inquires that I have no knowledge of here is a a list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Remove These Accounts, Collections And inquires From My Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given written, unwritten, verbal and non verbal per 15 USC 6802. This is immediately and indefinitely.I have reached out to all 3 credit bureaus two weeks prior to my completing this CFPB complaint. According to 15 USC 1681 inaccurate reporting ( a ) Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have even had customer support help me via Chat and I have the transcripts as well to upload as evidence. Also 15 USC 1681 ( b ) also states 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation.
Product: Credit reporting or other personal consumer reports

Due to a recent Data Breach my information was put on the dark web due to my exposure to the data breach. Per 1681-15USC my privacy was violated and I would like this addressed.
Product: Mortgage

I have been paying for unreimbursed medical expenses that caused me to fall behind with my Home Equity payments. 

On XX/XX/XXXX, I called, spoke with a representative, scheduled a payment for {$710.00} to be debited from an account on XX/XX/XXXX. I advised the representative, that AFTER that payment clears, I will call / follow-up and schedule a XXXX payment in the amount of {$660.00} The scheduled payment of {$710.00} cleared my other financial institution on Monday XX/XX/XXXX and posted to the Citizens HELOC account that day. The following day - Tuesday XX/XX/XXXX, Citizens ARBITRARILY debited the checking account that I have with them in the sum of {$660.00}. 

I noticed this unauthorized debit on Wednesday XX/XX/XXXX and immediately contacted Citizens and filed a claim. 

Today ( Thursday XX/XX/XXXX ) I was told that the Bank 's Consumer Counseling Department authorized this debit and they can not reverse it. I was told " It's their right to " offset ''. 

No one was able to answer the question of the bank receiving an approved payment and the bank, making a decision to withdraw a portion of funds that I had in my checking account and whether or not, this will be a recurring act that the bank makes. 

Please assist.
Product: Credit reporting

Checked my credit report and it is showing a delinquency on a credit card that I do not have. Says I have a past due balance with XXXX and I do not have a XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

About XXXX lost my ID SSN and other things on the bus I made a report with Police Station. I have been having problems with things on my credit I tried reaching out to the people on my credit I have not seen any changes. 
1. XXXX XX/XX/XXXX I Mailed a dispute because it is not mine. Have not heard from them yet. It is still on my credit 2. XXXX XX/XX/XXXX This is not my account I mailed a dispute and its still on my credit. 
XXXX XXXX XXXX  XX/XX/XXXX is not mine I mailed a dispute to let them know I did not do this and its on my credit XXXX  XXXX XXXX XXXX. for {$310.00} XX/XX/XXXX this is not mine. I mailed a dispute to let them know
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 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: Credit reporting or other personal consumer reports

I've recently noticed unauthorized inquiries on my account, which is a significant concern. I've not given any permission for these companies to access my information, yet they have been able to pull my credit report. This unauthorized access not only violates my privacy but also potentially puts me at risk for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XXXX Amounts : {$180.00}, {$2300.00}, and {$38000.00}. XXXX Affidavits for all accounts were sent to the company and credit bureaus. 
Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Fraud Affidavits were sent to the company and credit bureaus and or pplication on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The week of XX/XX/XXXX I sent validation/ verification to Experian , XXXX , and XXXX  because XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and Experian. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.
Product: Debt collection

I continue to receive calls from varies debt collectors looking for a XXXX XXXX or other person I do not know. The latest was from : First Choice Assets LLC Mailing Address : XXXX XXXX XXXX. # XXXX XXXX, NY XXXXPhone : XXXXFax : XXXXEmail : XXXXXXXXXXXX.XXXXThey call from a local XXXX number of XXXX. I identified myself and order them not to call me. They accused me of being rude and unhung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showed a 60 day late payment from Synchrony Bank. I called them to report the problem and explained that their account which is PayPal Credit is only accessible through PayPal ( a completely different company ) that was closed. I was sure that since PayPal was closed PayPal credit would send me statements so I can pay. I never received statements since XXXX/2021. I accidentally checked my credit report and discovered a 60 day late payment. I called Synchrony Bank ( servicer for PayPal credit ) and found out that the address they had on file for me was an unknown address. I immediately paid the past due payments and asked them to investigate and remove the late payment reporting. They assured me that they removed the late payment fees and that their credit disputes department will investigate and remove the late payment reporting and would provide a letter confirming that to my correct address. I checked my credit report in a few weeks and saw that the negative reporting changed from 60 to 30 days late.
Product: Mortgage

I applied for a mortgage refinance. I understand that this process will create triggers that other lending companies pay for to send other offers to entice me to go with a different company instead. I received many of these letters. There was one in particular that was not easily identifiable as an alternative loan pre-qualification offer. It does not have the name of the company at the top, and the wording of the offer makes it seem like I need to call this company as there might be something wrong with my existing refinance application. " We have important information regarding your mortgage loan and a new monthly payment option ... It is important you call our Loan Department ... '' Although all of the fine print at the bottom is similar to other offers, this offer seems somewhat predatory in nature. I found the name of the company providing the offer at the bottom of the letter : Activus Home Loans, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX. I am not a customer of this company.
Product: Debt collection

I called on XX/XX/2020. I gave them my birthday last 4 of my social and address. they said this was still not enough to pull up my information. Refused to tell me what I owe. Esculated to a supervisor and was told I was the one being rude. Was told they were a law firm and this is the law.