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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Home Depot/Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Unauthorized Credit Inquiry Violation of Permissible Purpose ( 15 U.S.C. 1681b ) Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry made by your organization, which appears on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a company may only access my credit report for specific permissible purposes, none of which apply to the inquiry made by your organization.

The inquiry in question was reported under the name [ The Home Depot or Citi Bank, as applicable ] and is listed on my credit report with a date of [ XX/XX/XXXX ]. I have not authorized this inquiry, nor has there been any permissible purpose for you to access my credit information. As such, this inquiry constitutes a violation of my rights under the FCRA. 

I hereby demand that you immediately : 1. Remove the unauthorized inquiry from all of my credit reports with all consumer reporting agencies where it appears.

2. Provide compensation of {$1000.00} for the violation of my rights under 15 U.S.C. 1681b.

If you agree to these terms, I am willing to sign an agreement where your client does not have to admit to any wrongdoing in this matter, and I will consider the issue resolved.

Please note that if I am forced to litigate this matter, I will be seeking actual damages resulting from the violation, in addition to the {$1000.00} statutory damages. These actual damages may include, but are not limited to : - Attorneys Fees : Legal fees to initiate and pursue the case. Based on current rates, I anticipate costs of at least {$300.00} per hour for my legal counsel, with an estimated 50 hours of work ( totaling {$15000.00} ). 
- Court Costs : Filing fees, document preparation, and other necessary court fees, which can range from {$500.00} to {$1000.00}. 
- Other Legal Expenses : Including but not limited to discovery costs, expert witness fees, and travel expenses, which could add an additional {$2000.00} to {$5000.00}.

Given the potential costs associated with litigation, I strongly urge you to resolve this matter promptly to avoid unnecessary and avoidable expenses for your company. 

Please confirm in writing within 30 days from the receipt of this letter that the inquiry has been removed from my credit report and that the {$1000.00} compensation has been issued. Failure to resolve this matter within the specified time frame will leave me with no choice but to pursue further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking additional remedies for the violation of my rights. 

This letter is being sent via certified mail and I am also providing a copy to the service of agent for your company. Please ensure this matter is handled promptly and efficiently. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Cardinal Finance is the worst Mortgage company and doesn't have any respect with the customer I live in Florida and I have a problem with the Roof I claimed with my insurance, and the insurance sent the check for me, to send to Cardinal Finance after I sent the check to pay the roofing company, the roofing company called me every day and asked about the check, cardinal transfer to another company and every day I have problem with cardinal Finance and the roofing company contacts me, and I don't have the check claim I sent to Cardinal. If Cardinal doesn't fix this problem I need to sue the company, also I tried to refinance my mortgage and the mortgage processor said I don't have any fees I used my social and searched many times but didn't say the true to the beginning and waste my time send documents and information, please remove my name from the credit report.
Product: Checking or savings account

I was scammed into purchasing a fake product for XXXX XXXX, I used paypal to pay for it, I tried to contact paypal to help me recover the money I was scammed with, but paypal 's customer service provided very poor service, my transaction was within 180 days, but they didn't try to assist me in recovering my moneyThey just rudely closed my case, even though I have some proof that I bought a fake item, I hope you can help me contact Paypal please
Product: Credit reporting, credit repair services, or other personal consumer reports

Have senior manager review as my last two complaints were not resolved and whomever touched my account edited all my personal info incorrectly.

The thaw system is not working online for me. Ever time I have tried last few years it's blocked. Clearly you have a data issue. Please open an investigation case.

DO NOT COPY PASTE A GENERIC RESPONSE. THIS IS A UNIQUE CASE AND REQURIES ACTUAL HUMAN INTERVENTION.

Please identify why you keep flagging me when I thaw. 

This was not resolved in XXXX and XXXX and inappropriately closed.
Product: Debt collection

Reporting of inaccurate information on credit file. Ask multiple times for validity of debt but never received requested information. Company also reports negatively on credit file with no legitimate authority to do so. This is my formal complaint to company.
Product: Student loan

I am assisting my dad with managing his Parent Plus Loan that he took out for me and my sibling 's XXXX degrees more than 10 years ago. 

My dad 's loan was transferred to EdFinancial Services over the summer. I was able to log into our account as of last week ( XX/XX/XXXX - XXXX, 2023 ) to check how much the repayment will be and when it will be due. We saw that the payment will be {$58.00} and due on XX/XX/XXXX. 

As of yesterday, XX/XX/XXXX, we can not access our account on EdFinancial Services. We entered in our information as usual, but it says our account can not be located and the information doesn't match what they have on file. 

Our account is now XXXX. 

I have tried calling their number to speak to someone but the wait time on XX/XX/XXXX was 159 minutes and the wait time today ( XX/XX/XXXX ) is 110 minutes. I have requested a call back from them but they have not called me back. 

I tried using their virtual chat agent service, but that service is also not available right now. 

I tried calling their number to just make a payment over the phone, which they advertise you are supposed to be able to do 24/7, but it doesn't give you the option to make a payment when you call. It just forces you to wait. 

Their negligence is causing student borrowers to miss payments.
Product: Vehicle loan or lease

Back before memorial weekend of 2021, I had a lease and purchased my vehicle through academy keep in XXXX. I then traded that vehicle for a different car. The lease/ loan company Ally financial messed up the paperwork on the whole deal. I have contacted both the financial company and the dealership from that time till now on and off. Some progress was made and the lease was closed out but since the payoff is was applied to that account it was refunded back to the dealership. Now I have talked to the dealership and they tell me that the financial company is behind but they have not received the pay off money back from the dealership after the refund so they cant process anything. So now at this point I am just waiting for the dealership to send the payoff back for my loan. I keep getting calls from the financial company saying I owe for the loan and getting late charges as well. This is frustrating especially when I dont even own the van anymore and the dealership doesnt either cuz they have already sold the van that I traded in and the loan is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this claim requesting help. I previously enrolled at XXXX University, while being enrolled my mother had a XXXX. I had to leave the state and go home to take care of my mother. I followed every procedure that I was in constructed to follow to not take the next semester of classes. I even asked XXXX could I get out of my current class due to my mother being in XXXX. My mother doctor as well as her nurse spoke to XXXX and inform them of my mother status. 
XXXX inform me they dropped the classes but later I learned the classes were not dropped. I spoke to Financial Aid in which they advised me I could turn the check over and this would cancel all charges. I asked the representative was this legal being I did not attend the next semester of classes? Because I said no XXXX put a charge of {$1800.00} onto my credit report. I do not agree with the charges being I followed all directions which were listed on their portal as well as my advisor. 
I contacted the Collection Agency whos handling the account ( XXXX XXXX ). Ive made an agreement with XXXX to pay a settlement amount of {$1100.00}. I honor what I made arrangement to pay and submitted payment to XXXX XXXX. I purchase a Money Order threw USPS and mailed it as well. I checked with the Post Office being XXXX stated it wasnt received. Per the Post Office not only it was received but cashed. 
On XX/XX/2019, I was notified by my credit monitoring service that XXXX XXXX increased the amount and not deleted it. I tried contacting XXXX  in reference to this but keep getting the runaround. I was informed this would be deleted from my credit report, in which they sent me a letter stating. However, Transunion, XXXX, and XXXX Credit Bureau informed me until XXXX XXXX sent something to them the charges will not be removed. Please assist!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect XXXX : - 1989
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I also submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX. If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Mortgage

My husband and I Applied for Home modification around XX/XX/XXXX. When the modification was approved the mortgage payment went from {$1600.00} to {$2100.00} adding an extra {$520.00} and still remains the same currently. In XX/XX/XXXX our mortgage was sold to a debt collection agency & not a real mortgage company. This company does not report to the credit bureaus or give monthly statements. In XX/XX/XXXX my husband and I tried to refi the home so that we could get a better mortgage rate and monthly payment but our current mortgage company has been adding on extra unexplained fees & adding extra Interest from a previous modification ( XXXX ) before my account was even with their company of XXXX. XX/XX/XXXX my home was appraised for XXXX. My loan balance with my current ( mortgage co ) / debt collector is over XXXX. The company that I contacted to try to RE-FI my home with could not help me. They said that the current mortgage company wants to refi the home at appraisal price but they still want the interest to be added as a second mortgage at the same time. As of XX/XX/XXXX I received a letter from my current mortgage company/debt collector stating that starting in XX/XX/XXXX my payment will be XXXX. More unexplained fees. At this point my husband I cant afford to pay these amounts & we feel that this a predatory loan situation. Please help us resolve this matter & save our home. 
Lastly my current mortgage company/debt collector offered me XXXX to sign a mortgage document that was not signed when my husband & I originally went to closing in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquiries for credit cards from XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. I have had my credit cards with XXXX since XXXX.
Product: Credit reporting or other personal consumer reports

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.
Product: Consumer Loan

There are several issues which i have documented. Firstly, the amount I was charged was incorrect. Second I tried to pay numerous times over the phone and could not. I was hung up on and the line was disconnected. Since then the rates and terms have changed monthly. I was offered a better rate and took it and was charged MORE. It took 6 months for anyone to respond or get back to me. I have had to file XXXX XXXX complaints in order to get a response. I was given credit for fees and then they were rescinded. I was told they have been applying my payments incorrectly and added MORE to my account. I have had it for two years and made my payments regularly ( when they would answer the phone or accept them. They wouldnt take mail checks ). I recently tried to call to pay again last month and was told that my account was being researched and she couldnt accept payment. Every month I receive an email statement and mail paper statement. They never match and the money amount owed is always different.I recenely recieved an email stating i owed more because they had made a mistake, it makes no sense. No one fixes things and the terms are not what I agreed to nor am I being contacted when they change. They are just adding illegal fees for their mistakes and lying when i call to ignore. I called the back who believes they are committing fraud and stopped them from taking monies from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to look into my credit score but for some reason it keeps saying my credit score isnt found with the credit bureau. Is there a reason why my score cant be seen on any website?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX Texas XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i . I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX  XXXX. 
Account # : XXXX Amount {$2900.00} XXXX XXXX XXXX. 

Account number XXXX Amount {$830.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Amount : {$1900.00} Account name XXXX XXXX XXXX  Account number XXXX Amount {$670.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$470.00} Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Amount : {$500.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$790.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$1700.00} I do not have a contract with these companies and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an update alert on my XXXX report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XX/XX/2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.
Product: Mortgage

The mortgage company has not contacted me regarding assuming the loan after my husband 's death but they have spoken to an unauthorized third party - the office at our mobile home park - and told them that they are " evicting me ''. I already complained in another complaint yesterday about the lawsuit they filed against me for occupancy. 

As a result of them speaking with the unauthorized third party I received a phone call from Texas Rental Relief about my application for funds for the back rent. Texas Rental Relief stated that the office at the mobile home park is refusing to accept funds for the back rent because the mortgage company told them they were " evicting '' me. In fact they are attempting to illegally gain occupancy by not allowing me access to loss mitigation and not assisting me with assuming the loan.

Now I am not only being denied assistance with loss mitigation with regards to my home but also being denied access to federal funding made available for people suffering from financial impact due to Covid-19.
Product: Mortgage

My mortgage on my house with ServiceMac has continuously increased over the last two years and is getting out of control. It started at {$1900.00} a month and is now at {$2500.00} a month. The house is worth enough now that PMI should be dropped, but they've refused to drop the PMI. My mortgage has only gone down by {$10000.00} in the last two years, which doesn't make sense with all of the payments I've made. My interest rate is only 3.13 %. It is a fixed rate. I did not do a temporary rate buy down, or anything like that.
Product: Debt collection

Hello- It is still being reported that I have a balance on my PORTFOLIO RECOVERY but I have settled that account. I redisputed with XXXX with provided documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I would like to order my full report from XXXX XXXX, SAGE STREAM, XXXX. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.
Product: Credit reporting or other personal consumer reports

Disputed Account Details : XXXX  XXXX XXXX Account Number XXXX XXXXAccount number incomplete not being reported on XXXX or XXXX and Transunion shows XXXX. Delete account for inaccurate reporting XXXXPayment History Inaccurate on the XXXX credit report XXXX reporting XXXX XXXX current XXXX current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Transunion reporting XXXX XXXX OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX reporting XXXX XXXX No Data XXXX No Data XXXX No Data XXXX No Data XXXX No Data XXXX No Data. Delete account for inaccurate reporting XXXXDate Updated Inaccurate on the XXXX Credit reports XXXX shows XXXX XX/XX/XXXX. Transunion shows XX/XX/XXXX XXXX shows XX/XX/XXXX. Delete account for inaccurate reporting XXXXCharge Off amount incorrect How is it that the account was charged off for {$1000.00} writen off but every month it went up and is now at {$1400.00} when the 1099 form shows {$1000.00} and this account is still being updated monthly. Delete account for inaccurate reporting I request that you kindly investigate this matter and delete the inaccurate information on my credit report. Please provide me with an updated report once the dispute has been resolved. 
Enclosed are copies of supporting documents that substantiate my claims. These documents include copy of the XXXX Credit Bureaus showing the differences. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the disputed information be investigated, corrected, and removed from my credit report if found to be inaccurate or unverifiable. 
Please inform me of the results of your investigation and any actions taken. I look forward to your prompt response.
Product: Debt or credit management

i signed up for a payment arrangement to pay the bill.. after I paid, Midland Credit reversed the payment negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history 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 to be updated.

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. 


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!

Update the late payments from my consumer reports
Product: Credit card or prepaid card

Related to CFPB XXXX I see Bank of America showing a payment was made on XXXX XXXX. However XXXX doesn't show it as part of processed transactions. I don't know who is benefiting from this outright manipulation.