23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CAPITAL ONE BANK USA NA made an unauthorized credit inquiry to my XXXX credit file
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$530.00} Charged Off XXXX XXXX  XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$1000.00} Charged Off XXXX  XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$1100.00} Charged Off XXXX XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$160.00} Charged Off XXXX  XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$190.00} Charged Off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX Account Number XXXX Open Date XXXX XXXX XXXX XXXX Balance : {$630.00} Charged Off XXXX  XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$460.00} Charged Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$810.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$740.00} Collection Inquiries in Dispute : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$690.00} Late/Open
Product: Prepaid card

On XX/XX/year>, I noticed a charge of {$230.00} on my XXXX debit card from XXXX that I did not authorize. The transaction occurred on XXXX XXXX XXXX, and the item was shipped to XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. My card information is saved on my XXXX account, but I did not make or authorize this purchase. My card was in my possession when this transaction occurred. 

Immediately after discovering the charge, I notified XXXX and contacted Money Network to dispute the transaction. Despite my efforts, my claim was denied without a thorough investigation. I request that you re-evaluate my dispute, thoroughly investigate the unauthorized transaction, and restore the disputed amount to my account.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

This company placed this account on my credit report, I have disputed this account several times through all three credit bureaus and no luck. I have stated this debt is not mine and this account was open fraudulently. And I have been a victim of identity theift, so yes all my information will prove it's me? I'm upset with the company because they have not reached out to me on ways to clear this mistake up. I feel like they're not trying to help, but every time I dispute this account they make sure this account sticks.
Product: Money transfers

I have complained about google and there applications for quite some time now.I have a google play account that can add funds to my account so that I can play games.Well what happened is that XXXX game from XXXX it is called last empire war z and they continue to take money from my account even though I am no longer playing there game.So I sent them tons of in application emails to see what the problem was and each time they delete the email and start it over so I again request my money back and they refused me. So I asked google to give me corporate support team and they refused and none of them are taking my complaint google says contact the developer of the app and the developer says contact google in which they refused to refund and the application simply ignores my emails and wont bother to contact me back. here are some emails that I sent to google and there response. With having my personal details from google they will not stop them from taking my money they ignore any emails even if I sent them through google page where the billing is located.I have tried to get help from google they and the application developer refuses to correct the issue instead money continues to come out of my account and when I try to get my money back they both refuse to handle my complaints. 
XXXX XXXX XXXX XXXX ( 2 hours ago ) to googleplay-sup. 
I am requesting to speak to corporate support team not customer service. So please have them contact me. I have been told by the application that there was no charges that came out of my bank which I know that is not true also wo n't email me back now because they claim I was never charged. I am filing with the consumer protection agency against you and them because both of you are refusing me the right to speak to corporate support team and no one is handling my complaint. Both are ignoring my complaint so I will have to file fraud charges with my bank and file against both you and them if no one will handle my complaint there is no way to fix this. So I am asking for help because google and the application both are trying to fraud me out of my money and I need this to stop.If there is a way to get help that would be great XXXXXXXXXXXX XXXX PM ( XXXX hours ago ) Hi XXXX, Thanks for contacting Google support. 
This email is in reference to your refund request for the XXXX orders or the track. I 've consulted my specialist regarding this issue, and I 'd like to let you know that we would n't be able to issue a refund for the purchase you 've made under our current refund policies Below are the order details : GPA.XXXX GPA.XXXX GPA.XXXX GPA.XXXX GPA. XXXX GPA. XXXX GPA. XXXX GPA. XXXX GPA.XXXX We expect app developers to provide support and refunds for their own products on Google Play. If you have n't done so already, you may want to reach out to this app 's developer to see if they might offer you a refund under their policies. You could reach out to the developer of this app at XXXXXXXXXXXX I hope you understand that Google Play Store offers password protection, which is an easy and effective way to prevent most unwanted purchases
Product: Mortgage

We received a mailing offering a HARP loan conversion for our conventional 15 year mortgage with Wells Fargo. After getting this notice we called the loan agent listed and made an appointment to discuss an application. The mailing stated that no appraisal was needed and the loan could be provided with no costs. A credit report would be ordered and if that was adequate a refinance from 5.65 % to 2.75 % would be granted. Since we were XXXX and our income had dropped substantially we were told we did qualify for the program. Then after a period of time we were notified by the agent that they changed the terms, that an appraisal was needed, and we paid {$790.00}, an inflated price for the appraisal. Then we were informed that the agent was required to visit our home and make an inspection. After several years of perfect payment history, credit reports with XXXX plus scores, we were then told the Wells Fargo wanted us to make a conventional application with the usual closing costs. This was strictly a bait and switch. Two years after making the application we were sent a letter saying we did not comply.
Product: Checking or savings account

I had a XXXX on an airplane on the way home from vacation in XXXX. Airline requires 24 hours to elapse before I can travel. I was with my wife and XXXX children both under the age of XXXX. I instructed my wife to go home and stayed behind in XXXX where I had XXXX more XXXX and was transferred to a hospital in XXXX where I was placed in a XXXX XXXX XXXX until a medical airplane transported me back to the US. In between that time, The hospital staff in XXXX charged my debit card and credit card without my consent as I was XXXX XXXXXXXX. The credit card company returned the funds but the bank has refused to return the funds even though it was not unauthorized.
Product: Debt collection

XXXX XXXX XXXX has been contacting me repeatedly or several years concerning a Capital One Bank Platinum MasterCard account number XXXX with a balance of {$410.00}. I have on two previous occasions disputed this debt on my credit report. The result of that dispute was that the credit reporting agencies took their word for it it's valid. I wanted them to show proof that the debt is still valid. Because I have not had a credit card in over 10 years. I know that this account is way past the legal limit for it to be on my credit report or for a debt collector to be harassing me for it. They need to either show me proof that I owned this account within the last 10 years that I had actual activity on this account with Capital One during that time or they need to remove it from my credit report and leave me alone.
Product: Credit reporting or other personal consumer reports

Contacted company to dispute refused to remove inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan paid in full since XX/XX/XXXX XXXX.XXXX XXXX XXXX still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate
Product: Checking or savings account

Our business opened a new business checking account with CitiBank branch at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX on XX/XX/2022. According to Citibank advertisement, we are qualified for the new account sign-on bonus after completing the following : 1/ Deposit a certain amount within 30 days and maintain it for 60 days. 
2/ The bonus will be credited to our business checking account within 90 days. 

We made the deposit on the same day XX/XX/2022 and maintained the balance until today XX/XX/2022, more than XXXX days. We should be entitled to the new account bonus by now as advertised by Citibank. Yet, when we came to the Citibank branch, its employee blamed its back office, but when I called its back office ( XXXX ), its employee then blamed the branch. They are giving me a run around to Customer service, to XXXX XXXX branch to Business support back office for more than 1 month WITHOUT any results. Every time I contacted them, Citibank would have a different stories. 
I believe Citibank is conducting a false advertisement to lure consumers to deposit money into its bank. 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

In dec I filed a complete against XXXX XXXX due to a collection on my credit report. Its in my complaint file with your company this company said they dont own this account please have this removed off my credit report asap because this inaccurate information is hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I was told my Best Egg account would be updated to show Paid as agreed, closed. It has been well over 30 days that my score has suffered to the tune of minus XXXX points. 

I have recieved letters from Best Egg that this would be fixed. Now I am loosing money daily until this is fixed. They are in voilation of my rights 15 USC 1681 sec 602A and 11. 

I am requesting this loan be updated with the correct information that it was paid as agreed in FULL, and closed Best Egg acct # XXXX was paid off in XX/XX/XXXX, but entered into best egg system on XX/XX/XXXX. Best egg sent a letter stating it was paid off. However, on XX/XX/XXXX, XXXX reported this same account was still owed and now 90 days past due. My credit score suffered over 65 points due to this error. Best egg then sent 2 letters explaining their apologies and that this will be updated correctly. I has not been updated. This account needs to show PAID, closed, never late. I researched my consumer protection laws. Best egg and XXXX XXXX should know 15 USC 1681 sec 602 a and section 2. also refer to other pretection laws that goes with this claim. please help me write a statement to the creditor and XXXX. My goal is that this information is updated to show paid as agreed, closed..
Product: Mortgage

I was trying to make a payment to Select Portfolio Servicing on XXXX/XXXX/2016 and it was refused. They threatened to put a foreclosure on my home.. In XXXX I filed a RMA Modification with them, they 've been making constant claims that they have not receive the XXXX pages needed almost deterring progress, they 've been giving me the run around after receiving the XXXX pages and then proceeding to ask for all pages, the first set of forms were faxed and mailed. I uploaded the form on XXXX/XXXX/2016 waiting to hear from them.
Product: Debt collection

Reporting information that is incorrect No knowledge of accounts Credit stolen and used during breach with XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Incorrect Late Payment Reporting Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX  Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXXXXXX XXXX Account Number : XXXX Issue : The late payment reported on my credit file is inaccurate and unfairly damaging my credit profile. The following issues exist with this reporting : I made my payment on time, and the reported late payment is incorrect. 

The creditor failed to properly notify me of any late payment before reporting it to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ). 

I was impacted by unforeseen circumstances ( such as financial hardship, a billing error, or a processing delay ) beyond my control, and I attempted to resolve this issue with the creditor before it was reported. 
The reported late payment is older than seven years, meaning it should no longer appear on my credit report per FCRA guidelines. 
There are inconsistencies in the reporting across different credit bureaus, suggesting a data entry or system error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I had the paid service of XXXX XXXX with Equifax ( which only monitors the Equifax credit report ) and I have been paying {$14.00} per month. I contacted a customer service representative with Equifax to cancel the service on XX/XX/XXXX. Since Equifax now offers the free service of XXXX XXXX XXXX, which includes 3-bureau monitoring as a result of a recent security breach, I requested a refund of the amount that I have been paying since the announcement of the Equifax breach or the occurrence of the actual breach, which ever was the earlier date. 

On their website, Equifax indicates that they no longer offer subscription products for purchase at this time. The premise of my argument is that I should not be paying for a product when there is free product which offers more value and which only became available because of a mass security breach. 

I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX
Product: Debt collection

I am attaching XXXX documents with the same account number from 3 different reporting agencies
Product: Credit reporting or other personal consumer reports

I've contacted XXXX XXXX on XXXXXXXX XXXX XXXXXX/XX/year> to confirm and inform them my credit report shows my account closed. I was reassured the account is open due too the account under SCRA.
Product: Mortgage

I lost my XXXX  job in XXXX of XXXX, I contacted Shellpoint Mortgage about the forbearance they sent me the paperwork, and on XX/XX/XXXX I sent in my paperwork for forbearance. I was given a point person to work with. In XXXX, I got an XXXX  job and was ready to start paying again. On XX/XX/XXXX I received a letter stating that Shellpoint Mortgage Servicing had reviewed my request for loan modification and was unable to complete it because they did not receive all of the required paperwork. In XXXX I was assigned a new point of contact and had to start the process all over again. At the beginning of XX/XX/XXXX, I was given a new point of contact and again the process had to be restarted. After sending in the documents multiple times. I received a letter on XX/XX/XXXX stating that my response package is considered incomplete. Documents due XX/XX/XXXX ... During the evaluation process, your property will not be referred to foreclosure. on XX/XX/XXXX I received a notice of trustees sale. The house was now in foreclosure. Again, filed for a forbearance, and again uploaded the same docs into their system. I did finally get a forbearance in XX/XX/XXXX for XXXX months and the foreclosure was stopped. I got a second job at this time so I could pay off what I owed them, but I was locked out of my account and could not pay until a repayment plan was issued, and had to file more paperwork for that. In XX/XX/XXXX, I lost both of my jobs. On XX/XX/XXXX, I was notified that I'm eligible for repayment with {$5000.00} down and a monthly payment of {$7100.00} due on XX/XX/XXXX. I also received a letter that same day that my house was in foreclosure and that the sale would be conducted on XX/XX/XXXX. I hired a lawyer who temporarily stopped the foreclosure. Now I owe the lawyer and the mortgage company and have been feverishly looking for full-time work. I tried getting a loan, but since my credit is shot from foreclosure, no one will loan me the money. There is plenty of equity in the house, but the mortgage company won't refinance the house to cover the missing payments. This would solve all the problems. Does anyone have advice on what my options are?
Product: Vehicle loan or lease

I had a loan with 5th 3rd Bank. In late XX/XX/XXXX, I saw what my loan payoff balance was. The current payoff balance was {$2600.00}. I sent an electronic payment for that exact amount, and it cleared my checking account on XX/XX/XXXX. I logged into 5th 3rd 's website On XX/XX/XXXX to be sure that I didn't have a balance. I understand that interest accrues daily and with the XXXX XXXX 's holiday, it might take a little longer for my payment to clear. So I would have been fine with owing a little bit of interest. As an aside, most quality banks let the consumer know how long the payoff balance is good for, but they don't do that. 

When I logged into 5th 3rd on XXXX XXXX, I was able to log on, but there was NO account listed. I had NO account to check if there was interest owed. I took this to mean that I owed NO money and they closed the account. 

On XX/XX/XXXX, I received a piece of mail from 5th 3rd bank. I was expecting it to be my car 's title. But instead it says that I am LATE with my payment of {$12.00}. I logged into 5th 3rd immediately, and wonder of wonders, I had an account again. It said that I now owed {$2.00} interest and a {$10.00} late fee because the {$2.00} was due on XX/XX/XXXX. Clearly if I had known I owed additional interest, I would have paid it. But my account was CLOSED. They opened it back up to charge me interest and late fees. 

It is a matter of principle now. I don't owe them any more money, and I want my car 's title. 

Incidentally, I paid off a second car loan ( at a different bank ) at the same time. XXXX Bank thanked me for my business and sent me that car 's title within a month. I really don't like 5th 3rd banking practices, which was part of my motivation for paying off the loan. I wanted nothing more to do with them. And I thought I was done.
Product: Mortgage

Im a home owner in a condo. My neighbor is deceased. His family has abandoned the property. Ive contacted my neighbors mortgage company Navy Federal Credit Union and they have refused to provide any assistance. I need someone from their mortgage company to come and secure the property. Assess the water damage and file an insurance claim for our shared wall. The only information I have is their name and address. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with XXXX because of issues with their dispute decisions on accounts that were opened in my name. The accounts in question literally were opened when I was very much so under the age of XXXX, its not even possible for me to have opened these accounts but theyve told me that these have somehow been verified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/year> Company Information : XXXX XXXX XXXX XXXX. Subject of Complaint : Reinsertion of Deleted Information on Credit Bureau XXXX XXXX XXXX : XXXX XXXX XXXX XXXX regarding the unauthorized reinsertion of information on my credit report that was previously deleted. Background : XXXX. Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Type of Account : Auto Loan XXXX. XXXX of Events : - On XX/XX/year>, I discovered that inaccurate information related to my account was reported to the TransUnion credit bureaus. - I disputed this information with the credit bureaus on and the information was subsequently deleted from my credit report. I noticed that the previously deleted information was reinserted into my credit report without my consent or notification. Nature of the Complaint : The reinsertion of this information is not only misleading but also detrimental to my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I understand that a creditor must provide proper notice before re-inserting any information that has been previously deleted. I did not receive any such notice from XXXX XXXX XXXX XXXX, nor was I given an opportunity to dispute the reinserted information. The reinserted information has negatively affected my credit score, making it more difficult for me to secure loans and affecting my overall financial health. I believe this action by XXXX XXXX XXXX XXXX is a violation of my rights under the FCRA. Resolution Sought : I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their failure to comply with the FCRA. Additionally, I seek the following resolutions : 1. Immediate removal of the reinserted information from my credit report. 2.Assurance that proper procedures will be followed in the future to prevent similar occurrences. Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.