23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a credit card with  Capital One . I made a online payment on    XXXX   XXXX   XXXX     , but the payment was erroneously from a bank account I had closed, that was still listed on their site. I choose the wrong bank account for my payment. I didnt realize this until weeks late when I checked my bank account and did not see  Capital One pa yment posted. ( I checked on  On   Capital One  site, it stated that my payment has been received and no payment is due at the time. No where does it state that the payment were returned ) .After realizing this I called Capital One and explained to them it was error, I accidentally chose the wrong   bank account. I made my payment with the  Capital One Rep  and he also waived the late fee. I have a 30 day late payment on my credit report. I have dispute this late payment and also, I have called  Capital One  to see if they can do a goodwill adjustment since I have been with them for 6 year and never been late and they said no. Please keep in mind that I never received a called or a letter regard my late payment. I understand and know it is my responsible but,  If Capital One had   called, email or mailed me a letter regard my past due account I would not have this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX capital that is not reporting on my Equifax credit report that should be reporting. There are XXXX accounts XXXX reporting XXXX and XXXX that is supposed to be reporting XXXX. The XXXX account is currently not reporting in Equifax only but is reporting on the other CRAs I will provide the account number below for the account that is not reporting but should be I have tried to fix this on both ends I was given a. Letter from credit strong the furnishers of the account to help the situation XXXX XXXX XXXX XXXX XXXX  should be reporting on my credit report
Product: Credit reporting or other personal consumer reports

" I have disputed multiple inaccuracies on my TransUnion credit report, including outdated addresses, unauthorized inquiries, and incorrect personal information. These disputes date back several months, but TransUnion has failed to resolve them despite clear evidence and documentation. 

Outdated addresses : My report lists addresses I have not lived at in over a decade, such as multiple locations in XXXXXXXX XXXX and an XXXX, XXXX  address. These are irrelevant to my current credit profile. 
Unauthorized inquiries : Inquiries from entities such as XXXX XXXX, XXXX XXXX, and others appear without my authorization and should have been removed following prior disputes. 
Incorrect personal information : My report includes an inaccurate alias, XXXX XXXX XXXX XXXX ' and unnecessarily displays sensitive details such as my full date of birth and Social Security number, putting me at risk of identity theft. 
TransUnion has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of my credit report and to respond appropriately to disputes within 30 days. The continued failure to address these issues violates my rights and places me at significant financial and personal risk. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

my loan is with XXXX XXXX XXXX. They show missed payments on my credit report when i have never missed a payment. my payments are automatically taken out of my bank account. I was late in XX/XX/2016 due to a change in my job and paydate, which i rectyfied immediatly and the payment was made a few days late and all future paydates adjusted. I ave never been late before nor since then. i have provided XXXX with statements of the 6 missed payments they claimed. though as of yet they have not been fixed. they want to discuss, though there is nothing to discuss and i told them i'd be happy to discuss via email so i have a written back up as i do not trust anything they do. no further response from XXXX.
Product: Debt collection

Military spouse stationed in XXXX XXXX. Had cell phone. Account closed in XXXX when departed back to state side with military orders on XXXX/XXXX/XXXX. Suddenly I am two months overdue on this phone bill as of XXXX XXXX. Stating that the act. is open and I owe XXXX. Tried contacting the company. Phones are out of order. No way to communicate with them however, lost XXXX points on my XXXX score for an act that was closed almost 3 years ago. Orien is the name of the company.
Product: Mortgage

XX/XX/XXXX I applied for the COVID19 Mortgage Relief on my property at XXXX XXXX XXXX XXXX XXXX, LA XXXX. XX/XX/XXXX was my first attempt to consolidate the missed payments and get back to my regular mortgage. XX/XX/XXXX I was told the paperwork was submitted to late ( based on the notary timeline I received from the company ). I was informed I needed to pay my payments for 6 months and apply again. I did so and in XX/XX/XXXX I submitted the paperwork again. This time we ( myself and my wife signature are required ) used a local notary. The signatures did not meet the underwriters standard so they did not approve. The documents were resent to me however at this time I was mobilized to XXXX XXXX, Texas. XX/XX/XXXX the company assured me they could send the documents to both myself and my wife in different locations. I have signed the documents in XXXX XXXX multiple times however I was told the underwriters did not send me the right paperwork and they have yet to arrange for the notary to come to my wife in Louisiana. We do not want to risk a local notary unexperienced with their needs because of the last time. I have asked multiple times for a supervisor or an underwriter to contact me. None have done so. I have fallen further behind in my payments because once the notary 's have a set amount on the paperwork they don't want you paying any payments for roughly two months. This has happened to me three times equaling five months of payments Multiple level 1 customer service agents call daily promising to assist with the problem but none have helped. As of XXXX XXXX an customer service agent reached out to tell me I had to start the process all over again to include submitting paperwork that was never required. The agent then advised me to take my wife 's name off the title of my home to make the process easier. I felt that was not his place nor his area of expertise to advise me in such a way. The individual did not read the notes on my account to understand my specific situation and continued to explain to me why this was my fault for basically being a XXXX XXXX. When asked if a XXXX could call me back I was told " good luck ''. I am still waiting for a XXXX to return my call.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against XXXX and Experian regarding their failure to appropriately investigate disputes related to XXXX  accounts on my credit reports. Despite repeated attempts to rectify inaccuracies on my credit reports, both credit bureaus have neglected to conduct thorough investigations, and the discrepancies remain unresolved. Attached to this complaint are copies of my XXXX XXXX reports, highlighting the inaccuracies specifically related to XXXX accounts. These discrepancies are causing significant harm to my creditworthiness and financial well-being. I have made diligent efforts to bring these issues to the attention of XXXX and Experian through the proper dispute resolution channels, but the responses received thus far have been inadequate and lack the necessary investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised and someone tried to use my personal information to request new credit and submit credit applications. It does look like the accounts were open, however, the fradulent inquiries are showing on my report. I tried to dispute it Equifax/XXXX  and they did not even investigate the issue. 

Here are the companies that I did not request credit and are fraudulent inquiries : Equifax : XXXX XXXX XXXX XXXX submitted on XX/XX/XXXX on Equifax XXXX XXXX XXXX XX/XX/XXXX on Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX on XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. The credit bureau appears to be unconcerned with my desire to challenge unlawful items on my credit record. Because this is a clear breach of FCRA laws, I need the things removed from my file as quickly as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GA XXXX ACCOUNT NUMBER : XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company reports an inaccurate or incomplete collection account. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 
2. A detailed account statement showing the amount of the debt, including any fees or interest. 
3. Date of Last Activity. 
4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
5. Documentation confirming that you have the legal right to collect this debt. 
6. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 
2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I hired photographer to take some professional pictures for my business. We had a consultation meeting to discuss my expectations. She suggested I use a fabric back drop wi to my brand color. She even created a mood board with the image poses I supplied and my brand guidelines she requested. I used Klarna to make my payment. Day of shoot, the photographer said she couldnt the main pose I asked for and she didnt use my brand colors. I was not happy and ask for a refund. She refused. I dont have any pictures from the shoot and Klarna refuses to cancel the payment citing that they paid the business already. I did not receive what was agreed on and Klarna refuses to help.
Product: Credit reporting or other personal consumer reports

Did not provide the proper paperwork to show this account belongs to me and I owe the debt.
Product: Mortgage

I got my mortgage through my credit union in XX/XX/XXXX ; it was serviced through XXXX XXXX XXXX until XX/XX/XXXX when it was transferred to BSI Financial Services. 

In XX/XX/XXXX, I received notice that my monthly escrow payment would increase from {$670.00} to {$920.00} a month. I called to get clarification and after many calls and attempts at getting someone to talk with me about the increase, I was told that it is because my taxes increased. Yes, I know they did, but they did not increase by {$3000.00}. 

BSI does not allow you to talk directly with the escrow manager/accountant. There are no phone numbers listed other than the XXXX #. The company has insulated itself from any contact with their clients. The clients who are also their customers who they need in order to maintain their company.
Product: Credit reporting or other personal consumer reports

Capital One has a report on my credit for a credit card that originally was {$300.00} and through them it says even that it's closed and they wrote it off but still shows a balance of {$380.00}. According to the FCRA they can not list that on my credit with a closed account and a balance also showing. I have tried to resolve this and it has not worked. You will find the attachments where the account says closed and showing the balance. I'm asking for a Goodwill deletion of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried several phone numbers for Equifax and their website to attempt to place a security freeze on our accounts. Repeatedly knocked out of website and calls not going through, probably due to being overloaded.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and did not authorize these negative accounts or inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Self Lender ( hereafter " SELF '' ) for what I believe to be unfair and deceptive practices in violation of the Wisconsin Consumer Act ( Wis. Stat. 427.104 ).

I have been a customer of SELF since 2021 with the primary goal of building my credit history. I worked diligently to maintain a perfect payment history, making consistent payments from XXXX through XXXX. However, despite my flawless track record, SELF unilaterally decided to close my account in XXXX without any prior notice, warning, or just cause. 

This abrupt and unjustified closure has caused significant harm to my credit-building efforts, as reflected in my credit report. SELFs actions not only undermine my trust in their services but also constitute a breach of fair dealing and reasonable communication as required under Wis. Stat. 427.104. 

Specifically, I believe SELF has violated the following provisions : Failure to Provide Adequate Notice : Closing my account without prior notification deprived me of the opportunity to address any issues or concerns. 
Unjustified Harm : The closure of my account was without cause, despite my perfect payment history, which constitutes an unreasonable and unfair practice under the Wisconsin Consumer Act.

I kindly request the following remedies : An explanation for the closure of my account.

Immediate correction of any negative impact on my credit report caused by this closure. 
Implementation of measures to ensure better communication and fairness for customers in the future.
Product: Debt collection

Optimum Outcomes NC XXXX XXXX XXXX Permit # XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone XXXX Negotiated Payment of Debt with Optimum Outcomes in exchange for debt being removed from all 3 credit reports. 

I paid the debt, however, it is still showing on my credit report.
Product: Debt collection

I applied for a loan from Santander and was approved on the XX/XX/XXXX. went to buy car on the XX/XX/XXXX. I was told that I had to use XXXX, so I went to XXXX and purchased a car. I received a bill of sale stating XXXX $ owed to XXXX. Then on the XX/XX/XXXX XXXX sent me a letter stating that I can't keep the car and I'm going to need to bring the car back or I'm going to be in default. How can i be in default before the first payment is due? Now they are suing me in civil court? Ive reached out to them and get nothing back. the car was repossessed and i went to go get my belongings from the car. Unfortunately i am in a financial situation that isn't that great. Mom has XXXX and father has stage XXXX XXXX XXXX. They wouldn't give me my belongings back. They stole everything in my car and wouldn't even have the decency to give me an itemized list. YOU SENT THE DOCUMENTS TO THE WRONG ADRESS ABOUT THE REPO. THEN FIRED THE PERSON ( XXXX ). IT WASNT MY LAST KNOW ADRESS My life has been adversely affected by what was supposed to be a seem-less transaction. i also was assaulted by the repossession agent that they sent on XX/XX/XXXX I PREVIOUSLY SENT IN A COMPLAINT AND THEY BRUSHED IT OFF TO SANTANDER. I NOW HAVE A LETTER FROM SANTANDER STATING THAT THEY WERE NEVER SENT THE PAPERWORK ON THE LOAN. Im tired of doing this. I didnt file an answer to your complaint so i can sue you when i find the attorney to take the case.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX reported me 30 days late in XXXX of XXXX  for Equifax and XX/XX/2022 for XXXX and XXXX. There was an error on their part. I was never 30 days late.
Product: Checking or savings account

The bank is scrambling my accounts. On XXXX XXXX I had a {$68.00} overdraft. I deposited {$88.00} to cover it so I wouldnt accure any fees. After this deposit I had a balance of + {$19.00}. On XXXX XXXX my account showed {$180.00} overdrawn. Some items that had been paid on the XXXX ( XXXX   XXXX XXXX {$99.00}, XXXX XXXX {$58.00}, XXXX {$17.00} and XXXX {$16.00} ) were now pending with overdraft fees attached to them and new charges ( XXXX {$10.00}, XXXX {$35.00} ) which came on the XXXX were paid. Even the dates all had been changed to the XXXX.
Product: Credit card

I applied for a Capital One credit card that advertised a {$300.00} cashback offer upon spending {$500.00}. With a credit score exceeding XXXX, I felt confident about approval. Subsequently, I received approval for the QuickSilver credit card and proceeded to spend {$500.00} using it. However, upon inquiring about the expected cashback, I was surprised to learn that the QuickSilver card wasn't eligible for the advertised offer. I reiterated that I had applied precisely as instructed through the m
ailed offer. However, the customer service representative clarified that I had been approved for a different card than the one I applied for. This came as a shock because nowhere during the application process was it indicated that I would not be eligible for the {$300.00} credit, especially considering my exceptional credit score. 

When I asked for documentation verifying that I was denied the cash back offer, they were unable to provide any such documentation. This experience has led me to suspect a bait-and-switch tactic, as the sole reason for applying was to benefit from the {$300.00} cashback offer. Consequently, it became apparent that I had just spent {$500.00} using their credit card for no benefit, except for a hit on my credit score! The discrepancy between what I applied for and what they approved me for, without the {$300.00} cashback offer, was not clearly communicated to me during the application process.
Product: Debt collection

The added fees onto the amount for the account is absolutely putrid. These people must be put out of business for good and it is very unfair now that the case is going to trial and they are trying to sue while adding fees on top when I cant even pay this debt that Im not sure that I even owe is absolutely disgusting that any company can even do this to anybody. I will not be paying debt that I do not owe and especially will not be paying any fees on top of it. Please report this company and get them out of business ASAP I really would rather not deal with this lawsuit and will do everything in my power to absolutely not give them any of my money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some credit accounts all my credit report I have 14 delinquents on my credit report saying that payments are reported late I have bank statements that shows the months that they saying I didn't pay I paid in months that I did miss I paid 3 to 4 times and one month to these accounts and I tried to call them to fix them and send the three credit bureaus might prove of my bank statements and this matter haven't been inside I didn't know that you you paid the payments but still get reported as late is well I don't know what to and I'm asking for them to be fixed because the months had got paid and I am getting taking advantage of by the credit bureaus and the Creditor I'm showing my bank statement that ACH and debit payments that I paid them and they still are reporting them late I just don't know what to do and I don't know if y'all can help me
Product: Checking or savings account

There was a lien/freeze put on my checking account by the XXXX District Attorneys office. They called Chase legal department about 10-14 days to have the lien released. This past Monday I called Chase legal dept and was told the issue would be expedited and lien would be released within 24-48 hours. Today is Friday and the lien is still on the account - I spoke with the XXXX DA office and they spoke with chase legal dept about 2 hours and were told that they are working on it. 
My funds are being held illegally at this point.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer.

.

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate INQURIES reporting by XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.