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

There is seven hard inquiries on my credit report. I have send in certified letters for removal over 45 days ago XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : XXXX, Equifax and XXXX and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from XXXX, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. Thank you.
Product: Debt collection

XXXX XXXX charged {$510.00} to my account for a table left on the property and did not disclose to me that I had the option to move it. 

I completed my fall lease there through the year of 2018 and when I moved out I was unaware of any items being left there. For all I know they could have sold the table there for profit without my knowledge or consent. 

I have tried to get this resolved through the company, but it was already released to a debt collection agency before I could bring up my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received this letter from Transunion, it is attached, regarding my dispute. Im not sure with this means, but I, XXXX XXXX is the one submitting this dispute no 3rd party. Dispute is attached. I spent a lot of money sending this letter certified for someone to make an assumption that is not valid. 

I see they have a file number on the letter so that number is XXXX
Product: Credit card or prepaid card

This issue is about Capital One case number XXXX. On XX/XX/2020 I file a chargeback case with Capital One for a purchase with XXXX XXXX for the amount of {$5000.00}. On XX/XX/2020 we resolved the chargeback for {$5000.00} at which then Capital One rebilled these funds back to the merchant XXXX. The transaction listed on the bill is XXXX XXXX XXXX. 

XXXX is requesting information specifically from Capital One regarding the outcome of the case. XXXX wrote " You just need to contact your card issuer 's dispute department. Provide them the XXXX case ID ( XXXX ) as reference and let them know the status of the case on our end which is still open so they can process an update. '' If Capital One does not do this I will lose my {$5000.00} along with the merchandise I never received. 

I have spoken with Capital One and they get all defensive and say they can't do that. I had an issues with Capital One trying to cancel the chargeback. I was not allowed to cancel the chargeback the merchant had to cancel the chargeback. After about 100 or so calls I asked " do you have a fax number? '' from there I was able to have the merchant cancel the chargeback. Why I explain all of this? It was Capital One 's canceling process. 

With XXXX this is their process of closing filed chargebacks. They want to hear from Capital One about the case so they can close the case and release funds to the merchant. I do not see why I have to come here and file a complaint for something that is a simple task that they have fought me on.
Product: Vehicle loan or lease

I am submitting this complaint against Mercedez Benz Financial Services, regarding the incorrect information on my credit report on the outstanding balance and reporting payments for lease. In XX/XX/XXXX, I began my four year auto lease with Mecedez Benz. In XX/XX/XXXX during the covid XXXX pandemic, my vechle was stolen and it took XXXX months to recover the vechle and the damanages. Due to covid-19 Mercedes-Benz financial services agreed to defer my payments for 5 months. Lease ended in XX/XX/XXXX and vehicle was inspected at home and turned in with a XXXX balance. Months later Mercedes-Benz Financial reported a {$6100.00} debt to all credit bureaus. I have been trying to remove this debt with all three credit brueas for months for this unaccurate information that Mercedes-Benz Financial Services is claiming. I submited documentation when submitting the disputes, which is a offical balance letter with zero balance that was sent to me via mail by Mercedes and copies of report. The information has not been removed and I am unable to obtain credit due to this information in my credit.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, NY XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please ) : Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is again XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXXXXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX The correct employers is XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this with XXXX XXXX XXXX, XXXX has no right or valid contract, it is against the law to collect money twice ... 

XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX, you can not collect money twice ... 

I contacted original creditors and was told that your system may not be updated or is in error ... XXXX   verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... 

please remove or litigation will follow, this is in violation of F.C.R.A. law
Product: Checking or savings account

Applied for online checking account on XXXX & XXXX XXXX, 2022. Each time, after submitting requested information, I receive the screen " We can't open an account for you based on the information you told us. '' There was no other explanation. This is curious as I have over XXXX XXXX other checking accounts at smaller institutions, and actually had a $ XXXX Chase credit card years ago ( which I cancelled in good standing myself ). Chase 's website is totally useless for finding out additional information regarding this unwarranted application cancellation.
Product: Student loan

I paid off my loans with checks that were provided to me through my title company when I refinanced my home. The checks were sent to the address listed on their website for borrowers, XXXX XXXX XXXXXXXX, XXXX, PA XXXX on XX/XX/XXXX, via the USPS. The checks were received and cashed by XX/XX/2018 yet had not been credited to my accounts as of XX/XX/2018. I contacted Navient and asked what was needed to prove payoffs were made. The customer rep stated I would need to provide copy of cancelled checks. I then contacted my title company and they in turn sent me copies of all 6 checks, front and back showing the checks had indeed been cashed. I uploaded the images to Navients website the same day I received them which was XX/XX/2018. I waited 2 days and when I did not see them uploaded. I contacted customer service and was told I had sent them to an incorrect address. I was also told that any overages would be returned ( and I quote ) to XXXX XXXX XXXXXXXX. at that point, I was so frustrated, that I asked to speak with a supervisor. I was told that a supervisor would tell me the same thing. I had to ask 4 times to speak with a supervisor before finally being put on hold. At which point I thought a supervisor would pick up the line. NO, the same rep kept returning and giving excuses as to why the supervisor was not picking up. After about 20 minutes on hold, I finally hung up and called back. I got a very pleasant rep that explained what the policy was and it could take up to 10 business days to complete the process. My main complaint is I am concerned that the policies and tactics this company uses, will in turn cost me more money and my loans will not be paid in full when they have had my money since XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I have inaccurate reporting all throughout my credit report, I have attached credit report with side by side comparison. 

According to the Privacy Act of 1974 ( b ) CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains unless disclosure of the record would be -- I have several charge offs listed on my report, I now know a charge-off is considered a certificate of indebtedness, which means it is income and income can not be reported on my credit report. 

I am also aware that transaction history can not be reported on my credit. 

I also want all unauthorized inquiries removed. 
15 USC 1681 states 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Money transfer, virtual currency, or money service

Ive contacted PayPal atleast 6 times now with emails and chats and all my claims are being denied. My account was hacked, I had money sitting in my account and it was transferred to a prepaid card that was added and removed within minutes. I have screen shots of emails from this as well as my activity log. If you look at my activity you will see that Ive had the same card and bank information this whole time except for that day. They attempted to add 2 different cards multiple times. I contacted PayPal after I got on to stop them and they removed my bank information so I couldnt transfer MY MONEY. I just opened this account and I had to wait 21 days to touch my money because PayPal wanted to make sure I wasnt a scammer but I was scammed in minutes. Someone hacked my account in minutes and PayPal couldnt detect that? And youre still saying that its consist with my transactions? In my activity I Log on my XXXX, which is recognized. they used a private browser that day, multiple times and used a prepaid card for 3 transactions to withdrawal my money, then removed their card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all the hard inquiries that I currently did not authorize to run my credit or had a recognition of this is fraudulent activity happening on my account i wish to have removed as soon as possible.
Product: Credit card or prepaid card

I am XXXX XXXX. 

In XX/XX/2021, my credit card account with Capital One was closed without prior warning or to my knowledge. 
( Capital One, Attn : Payment Processing, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ) They said it was because of 3 returned payments but they'd taken me off of electronic communication so I had no idea what was going on. The card was secured so it was paid off but they refuse to reopen it unless I reapply. It is negatively effecting my credit report and I I deserve to be treated better than that after a 5 year relationship with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX  XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

I had a mortgage with Chase Home Mortgage and the home was short sale in 2011. Chase agreed with short sale and now still has a third party XXXX XXXX collecting payments. I had no agreements with XXXX XXXX in regards to mortgage payments. Chase got paid on the sale and now this third party is still collecting monies from me after all the fraudulent processes, unfair lending practices and unscrupulous transactions that were done by the banking industry before the housing crisis. At this time this balance reported of {$15000.00} needs to be removed from my credit report because I do not owe nor own that mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though CBCINNOVIS is reporting an alleged Inquiry for date of service XXXX XXXX XXXX XXXX that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Product: Student loan

I had gone to  XXXX  collage and had got a student loan from  XXXX   XXXX   ( navient ) I w as never able to repay my loans and I get harassed by phone calls and emails for payments how ever I am a stay at me mom with  XXXX  children now and am on public aid to help make my way I herd about the lawsuit an I very interested if I of have known better I would have made a better decision I would like to file my complaint.
Product: Checking or savings account

The company said they would return my last {$35.00} fee but never did. The {$3.00} charge I complained about was changed from a minus to a plus after I complained to cover their XXXX. 
I closed the account in XXXX but they keep reopening it to charge me fees. Social Security assured me that my check would go to the new account but was put in the Citizen 's bank account so they grabbed all their bogus fees on a closed account. Then I erroneously wrote two checks when I grabbed the wrong checkbook and, once again they opened a closed account instead of letting the checks bounce and letting me deal with my mistake. Now there are more bogus fees on my account, I tried to stop payment on the second check and had to go through a whole lot of XXXX and more fees to stop payment on a CLOSED ACCOUNT. Can they really keep reopening this account? It's like the XXXX  coming back to life.
Product: Debt collection

I sent a letter to XXXX  asking for : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail ' so that there is an independent " witness to it having been delivered. '' However, according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debit.
Product: Checking or savings account

I was an Account holder at XXXXXXXX XXXX for 30 years. Columbia Bank took over all XXXX branches. Columbia Bank has very few locations so they charge their account holders {$1.00} each time you do not use their ATM, even if Columbia Bank ATM are not available. Even if Columbia Bank ATM is out of order. XXXXXXXX XXXX was connected to all banking systems and did not charge you as they were also limited locations. I feel Columbia Bank is ripping their customers off! Please put a stop to this shake down!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my inquiries with Equifax, XXXX, and XXXX several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer report.
Product: Credit card or prepaid card

I was very upset. I attempted to use my Capital One Credit card and noted it was on restriction status. I called on XX/XX/XXXX at approx. XXXX ET. I spoke with XXXX, the supervisor, and asked her why was my card on restriction. She explained that I used one of my XXXX XXXX accounts listed with my credit card was used to pay XXXX and it triggered the system because I have not used the XXXX XXXX account since XX/XX/XXXX. I explained to her I did not know I was not able to use any of the bank accounts associated with my credit card account to pay a bill anytime I wanted to. The supervisor explained that she would have to verify my bank account. I explained to her it was unacceptable. My XXXX  did not open until Monday and I needed to use that day. The supervisor noted that none of my bank accounts were verified since XXXX. I asked her was that legal? I could have been paying money towards my account from anywhere. The supervisor noted they trusted me. I explained to her I felt offended because of my race because now your company has been accepting an significant amount of money without verifying my bank accounts listed and now its restricted based on you not trusting me anymore? As much money I poured into this company I can even get a credit increase. As a result, I can not use my credit card. I work on a XXXX  XXXX  very sick XXXX  and I have to take time out of my day to call Capital One back so I can remind them to call my bank to verify my bank account after being with them over several years. Talk about more stress as a front liner. Please help. Something is definitely wrong here.
Product: Credit card or prepaid card

I have a credit card through Capital One, which is always paid on time, with a XXXX dollar limit. As of yesterday, XX/XX/XXXX, I observed a delinquency remark by XXXX  for a card not paid, also by capital one, with a XXXX dollar limit. As I only possess one card through capital one, and called the company yesterday as well to verify that I have only one card, which is in good standing, my concern is either Im receiving bad marks for someone with my same name, or someone has stolen my information and used it to open another credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son passed away unexpectedly last XXXX. Upon contacting XXXX regarding his outstanding student loans, I was told to submit an original copy of his death certificate in order to determine whether or not they were forgivable as shown on the XXXX web site. The death certificate was not finalized until XXXX. I immediately expressed an original copy to XXXX for which they did not acknowledge receipt. 

Beginning immediately after my son 's passing and extending until the issue was settled, I received calls at my workplace from XXXX employees with no details. They would state the account was past due and ask for payment. I would explain my son had passed away and we were waiting for the death certificate. The callers would always promise to " ... make a note in the file. '' but the next week another employee would call with the same script. I also received form letters and e-mails with no specifics. 

One telephone conversation resulted in copies of the loan documents being mailed to me. I did my own research and concluded the loans were privately funded and therefore not eligible for forgiveness. I paid the loans in full including added interest. 

Despite XXXX forcing me to recount my son 's passing weekly for several months, failing to acknowledge receipt of his death certificate, offering no help determining the loan status and being paid in full including added interest for the months they wasted, they chose to report me unfavorably to the credit bureaus. A request to XXXX to rectify the situation was met with the XXXX response that their records do indeed show me paying late. 

XXXX may be on the cutting edge of automated loan administration, but their system is painfully XXXX
Product: Credit reporting or other personal consumer reports

i am reporting fraudulent hard inquiries in my XXXX, XXXX and equifax Credit report.please delete these inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018- 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.