23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the early days of the COVID Pandemic I like millions of Americans filed for a mortgage forbearance. After 4 months of this I begin paying again. Since my loan is an FHA Loan I agreed to a partial claim to pay the missing payments at the end of the current mortgage. We reached that agreement 6 months ago. 

Long story short I cant refinance to get better loan terms until US Bank processes the paperwork for my claim. They know this. They know that Mortgage rates are at historic lows. They are systematically and intentionally dragging their feet about processing the paperwork to keep their customers trapped in loan terms that are advantageous for them but bad for their customers. 

I have given them every piece of paperwork they have asked for immediately. There is no excuse for it to take 6 months to process the claim. They haven't even sent me the papers to sign. I have spoken to them dozens of times and they wont even give me an estimate on how long it will take. 

This is simple financial greed at work. I have no doubt US Bank is doing this intentionally.
Product: Credit card or prepaid card

Capital One has a Pre-Qualifying tool online that advertises that you can prequalify without affecting your credit score. Unfortunately for me, I was using this tool for over 1 year. I pulled my credit report recently and noticed I had several inquiries on my report from Capital One from using their qualifications tool. I contacted capital one with my concerns and was told maybe l used the tool incorrectly. It is impossible for anyone to use this tool incorrectly. When prequalifying, you must enter your information into the fields presented. This tool will then populate what you are qualified for. Once qualified, you select the card and then you select Apply. Unfortunately for me, I was only prequalified for the secured card which I accepted on XX/XX/2021. Each time my score goes up, I always try again but still only qualify for the secured. My issue is all these inquiries that are not supposed to be on my report is appearing when its not supposed to affect your credit score. These inquiries need to be removed because this is real bad practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to manage security freeze online on equifax website. 
I was able to login but when trying to manage the freeze I got message that additional identification information is needed. 
In equifax customer center I was told that I need to send copy of my driver license and copy of my social security card. 
So from last XX/XX/XXXX(! ), every two weeks, I'm sending this documents to them but I still can not manage my freeze online. 
Customer service is saying that documents are received, and then asking again to send them.
Product: Vehicle loan or lease

On XX/XX/2019 we submitted a {$1000.00} payment online to Kia Motor Finance to be applied directly to the principal of our car loan. As per the policy of the Kia finance company, we waited several business days to allow the withdrawal to clear the bank and called Kia Motor Finance on XX/XX/2019 to request for the payment to be applied to principal. Kia Motor Finance could not confirm the receipt of the payment. We waited several more business days and called Kia again on XX/XX/2019 and XX/XX/2019, both times without resolution of the issue. On XX/XX/2019, the Kia representative confirmed Kia had received our {$1000.00} payment and he could not understand why it was not reflected in our payment history. He promised to follow-up with the payment processing department to request for them to manually fix the payment. 

On XX/XX/2019 we submitted another payment online of {$3000.00} which was reflected correctly on the Kia website. On XX/XX/2019 I called to request for this {$3000.00} to be applied toward principal and this was performed. I was told this should be completed in 2-3 business days. 

During the XX/XX/2019 phone call I again inquired about the {$1000.00} payment which has still not been reflected on our loan amount. The representative confirmed the same thing as on XX/XX/2019 and said she would send an email to the payment processing center which would take another 3-5 business days to resolve. I pressed her to have this issue resolved today as Kia Motor Finance has been holding {$1000.00} of our money for 23 days without applying it toward our car payment ( which, incidentally, continues to accrue interest on a higher amount since our payment was not applied ). The representative refused to address this issue today, again saying it would take another 3-5 business days despite all of our efforts to already resolve this.
Product: Student loan

Navient student loans calls us  3x a  day everyday of the week because our son is behind in his loan payment they do n't need to harass this much.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one. 
I noticed that these accounts reporting on my credit file listed below have been reporting as charged off on my credit report bring my credit down. 
This account was discharged and I am not responsible for the debt. 
The credit bureaus are repeatedly reporting on this debt and has marked it as charge off then marked it as paid charge off. 
I am requesting that these account below be removed from my credit file. 
I never applied for a loan or signed for any loan I have not attended high school or college. 
I received a letter over 5 years ago stating that the loans have been canceled I am on social security. and I am not working I am XXXX. 
I keep getting denied for housing because of these accounts and the unfair reporting of these accounts. 

1. XXXX XXXX XXXX  XXXX ending XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX. XXXX XXXX XXXX XXXX ending in  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Equifax to monitor my credit report at that credit reporting agency and they have been asking for personal identification multiple times without having an updated credit report. I also am unable to add a personal statement to my credit report for a derogatory credit entry that I am trying to explain.
Product: Debt collection

Arnold Scott Harris , P.C . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX. Has been sending me notice balance {$240.00} The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.
Product: Credit card or prepaid card

On XX/XX/2018, I did a balance transfer for {$1400.00}, however ( XXXX ) debited me twice and started charging me interest on the mistaken debit, as if it were a purchase. I called them to dispute this and they agreed that there was an error on their part and would credit me the {$1400.00} plus any interest ( {$140.00} + two addition months @ {$20.00} ) charges ... which they did. However, they reversed the credit last month. I called back and spoke to a supervisor last week, who didn't understand why they would reverse the credit. He said he would email the person directly who reversed the credit and hopefully, within a week, I would see a permanent credit and the problem would be resolved. To date, I haven't received the credit and I feel I'm getting the " run around. '' This has been going on for about a year and I have been very patient. 

Yesterday, I received a letter ( attached ), dated XX/XX/2018, saying that " After careful investigation, we have determined that you are not responsible for paying the disputed amount. This adjustment has been made to your account, including any related charges and/or fees, as applicable. '' Checked my account today and no credit is issued. I called today and was told that because they re-issued the dispute that it could take another 90 days, before things are resolved, despite them acknowledging that THEY made a mistake in a letter. 

NOTE : I was told by a CFPB to refile this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  XXXX  Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax XXXX XXXX : {$500.00} on XXXX. {$0.00} on Equifax XXXX Reported : XXXX XXXX. XXXX Equifax Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax Date of Last Payment : XX/XX/XXXX on XXXX on Equifax This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and Equifax. 

This is a violation of reporting false information BY XXXX  on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by a notice by NC FINANCIAL attempting to collect a debt that I never contracted or agreed to pay. They reported negative and defaming information beginning XX/XX/2019 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actins. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer.

12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Product: Checking or savings account

This is in regards to a complaint I filed on XX/XX/XXXX ID # XXXX. 

On XX/XX/XXXX, I discovered I had been a victim of identity theft. A fraudulent loan was taken out in my name and a fraudulent checking XXXX  t was opened at Capital One to deposit said monies. After extensive back and forth with Capital One, including providing copies of the police report, I received notification that the matter was handled and the account was closed. 

Today ( XX/XX/XXXX ) I received a statement in the mail informing me that 'my account ' had a balance of {$4.00}. 

I received written notification from Capital One that this matter had been investigated and that the account was closed. However, considering the statement I received in the mail, that is not the case. 

I do not understand why this account, which was opened fraudulently, and has been reported to all XXXX credit bureaus, the police, to Capital One ( via XXXX phone calls, CFPB, XXXX  and the capital one complaints line ) remains open. 

I want this account closed immediately, in writing and a phone call. And I never want another statement sent to me again.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against TransUnion for failing to properly investigate the disputes in my credit report. Despite my submissions TransUnion consistently responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore TransUnion 's actions may also contravene the consumers financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.2025-CFPB-0002 take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. My disputed accounts are as followed : 1.XXXX/DOFED 2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit card

We have been a customer of Capital One for many years. My XXXX mother has been responsible for paying certain bills to allow her to remain financially independent ; however, her memory has been an issue of late, and I noticed that the Capital One bill was not paid timely. As soon as I saw this I paid the amount due of XXXX ( XXXX/XXXX/15 ). 

I reviewed to see why the payment was so high, as we do not use the card much and the minimum payments are normally XXXX. Due to the missed payment for XXXX and XXXX, Capital One increased our interest rate from 4.92 % to 29.40 %, effectively increasing the minimum payment from XXXX to XXXX ( more than doubled the minimum payment ). 

I called Capital One and spoke to several people who told me that per the " Terms and Conditions '' they were unable to lower the rate on the card for XXXX months. However, it will be impossible for us to pay the minimum payment of XXXX. Essentially we will go delinquent due to this drastic rate increase. 

Up until this small issue, we have always paid on time. The fact that my mothers memory contributed to this makes it even more upsetting, as I can not now explain to her why the minimum payment has more than doubled, and we are on a fixed income unable to pay that drastic increase. 

All I have asked Capital One to do is put me back to the interest rate I have been at up until a couple of months ago. XXXX rate is robbery. We are good customers who paid in full once we realized there was a missed payment. It is unreasonable for Capital One to think that customers can pay such an interest rate, especially when we have been timely all along. 

My father went into the hospital on XXXX XXXX, thus I was not thinking about this bill at that moment, but as soon as I was made aware I paid the balance due in full ( XXXX ) I promised Capital One that I would put the account on autopay so that we do not run into this problem in the future if they would lower my rate back to what it was for years ( XXXX ) ; however the reps continuously told me that they were unable to change the rate, and that I would have to pay 29.40 % for 1 year before they would review. 

That is a difference of making {$1700.00} in payments in a year to {$4400.00}. All because we missed a payment and caught up as soon as I was made aware? I told Capital One that this account will go delinquent at 29.40 % -there is no way that we can financially afford to pay almost $ XXXX over the next year. Will they help us only when we go delinquent and ruin our credit? Is that the best answer? 

No, it is not. This rate increase is punishment for a late payment that is not in character of the account. It was a mishap due to my parent aging minds, and I do not want to embarrass them telling them that the reason the payment more than doubled is because they forgot to pay the bill. 

I am only asking that my rate be put back to what it was in XXXX. 4.92 %. We can then afford to pay the minimum payments. We can not at 29.40 %. 

Thank You.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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: Mortgage

I have signed up for Freedom Mortgage 's " Eagle Eye '' program which is supposed to help lower interest rates as possible for existing customers. I've spent a lot of time on the phone attempting to talk to representatives, filed the requested form on their website but have never heard back. 

I simply need to know if this program is applicable to our situation or whether we should be looking for another mortgage company to refinance. I haven't had any problems paying our bill with Freedom and  would prefer to stick with them if possible. The lack of communication though is very frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( this one is also on my XXXX report ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( I 'm not sure what XXXX is )XX/XX/XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.
Product: Credit card or prepaid card

I closed my Chase Sapphire XXXX card on XX/XX/2021 it had approximately XXXX points associated to it. I asked the customer service representative to transfer the points to my Chase Freedom card and they said they would over the phone. I waited for the points to transfer and they never did. I assumed that it was going to take a few months for the points to transfer and then possible an additional COVID-related delay. When I realized I had never received the points, I contacted Chase on XX/XX/2021 asking them about my points. They wrote back that I had " at least 30 days from the date the account was closed to use your reward points or they will be lost ''. I never received the reward points in my new account as I was told would happen, nor was I warned that I only had 30 days to use them. The email also indicated that I had " at least 30 days '' to use them, which didn't make sense. I reached back out to Chase on XX/XX/2021 telling them I was never warned about the 30 day limit and that I never received the points in my new account, regardless of the time limit I had to use them. Chase responded that I was sent an email on XX/XX/2021 after I closed my account detailing the XXXX rule. I can not find any record of this email every being sent nor having received it. Even if I had gotten the email, I was waiting for the points to transfer and that never happened. I have tried working through this issue with Chase and they have been less than helpful.
Product: Checking or savings account

On  XXXX   XXXX  I had to leave and go to Missouri for 18 months, while away  Wells Fargo allo wed my checking, savings acct. and credit card to be mishandled and closed them and reported them negatively to all   XXXX   credit bureaus, they never reached out to me. When I returned  XXXX    XXXX   I went into my local branch and after careful review they noticed I was not at fault and told me that I would not be responsible for fees that were associated with the account and they were going to reopen my credit card and checking and savings acct and update back to where they were prior to my depArture. None of the above happened, they even made me pay the money associated with the fraudulent activity. After 30 days past while I allowed them to investigate, no one ever contacted me I continued to visit the branch and I was treated like a criminal. They then told me they never promised to reopen any accts. they said they would look into it, what does that mean? Rou ghly 2 w eeks ago they insisted I pay the fees incurred from the late fees incurred on the credit card. I informed them that I would be filing a cfpb complaint.