23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom this may concern, I've been making on time payments for the last four years that i've been crediting with Capital One. I happened to have my credit set to monthly deductions and somewhere down the line I got hit with fees and interest charges during the time of XXXX, XXXX and XXXX of XXXX  that I wasn't aware of. I still made payments on time for those months and it shows that. The monthly due payments was originally set to {$25.00} a month and I made a financial strategy to at-least pay double the amount ( sometimes even more ) down, but Capital One changed the monthly rate without me being aware and that caused an unfair financial crisis for my situation during that time with the unexpected increase in fees and lost of job. I've still made an effort to pay " on time '' for those months and I've paid over the original {$25.00} a month fee that was originally set from Capital One. I've been neglected a place to live for this unexpected situation and increase in fees even till today. I truly believe that this is not a great indicator of my actual credit worthiness and shouldn't be the reason why I might be homeless when I've still been making payments " on time '' from that time till now. To be considered an " Late Payment '' isn't a fair statement towards my credit report due to the unexpected increase and with me making payments before 30 days past due mark and according to the FCRA anything thats not fair or 100 % accurate has to be deleted off my credit report and I've been making payments every month especially in XXXX of XXXX. 
I actually like Capital One and refer many family and friends.I hope that you will deeply take this into consideration, make some adjustment towards my credit report and your reporting to get these late payments removed and prove once again, why Capital One is heads above the rest!
Product: Credit reporting, credit repair services, or other personal consumer reports

ever since we bought the house in    2009  we had   XXXX   as our house mortgage bank. they sold to  XXXX . I set up my payments to go to the wrong address, I use d one of  the letters I received from  XXXX  but it was wrong address. the first payment  or   XXXX   wer e cashed and I did n't hear anything from them. Until I received a letter stating I was late  one month, I called my bank they said payment was se nt off, my bank then called  XXXX  and we realized I had the wrong payment address. so we put a stop payment on that months payment because it was going to take to long to send to the other address then cash. so I was actually never late, I have proof from my bank that money was available on the  XXXX  just sent to wrong address, I do n't want to be penalized for a mistake on a address, ive never been late.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiry Dispute Under FCRA - Request for Immediate Removal Dear Equifax Dispute Department, I am writing to formally dispute recent hard inquiries on my credit report related to XXXX XXXX XXXX XXXX and XXXX XXXX. I do not have any current accounts with these companies, nor did I authorize them to conduct a hard inquiry on my credit file. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ( c ) ], hard inquiries require explicit consumer consent, which I did not provide in these cases. 

As a result of these unauthorized inquiries, I have had to freeze my report to protect my personal information. However, these inquiries are still negatively impacting my credit profile, which is causing me undue stress and potential harm. 

In light of this, I respectfully request that Equifax immediately remove these hard inquiries from my credit report. Additionally, please provide me with a confirmation of the removal and any related correspondence. 

Thank you for your prompt attention to this matter. I expect your response within the timeframe required by law and look forward to your cooperation in maintaining the integrity of my credit report. 

If you send the letter online or by mail, keep copies of all correspondence. Equifax is legally required to investigate and respond within 30 days.
Product: Debt collection

I have a capital one account that went into collections with XXXX XXXX XXXX, both are showing on my credit report for the same account. This is a violation of the Fair Credit act and I have requested that it be corrected.
Product: Credit card

I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$570.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and stole my rewards.
Product: Mortgage

This complaint is being filed against Cardinal Financial due to a dispute over {$4800.00} that is incorrectly included in the loan amount : 2020 property taxes were fully paid to XXXX prior to closing new mortgage. The check from previous lender was dated XX/XX/2020 and the city of XXXX recorded the taxes paid in full on XX/XX/2020. 

Cardinal Financial errantly included final tax payment as part of loan when it was already paid in full. This was in the amount of {$2800.00}. Date of closing was XX/XX/2020, 6 days after taxes were recorded as being paid in full. When Cardinal Financial was  questioned about this discrepancy, they stated a check was sent to the city of XXXX for the final tax payment but the city of XXXX has no record of receiving that check as of XX/XX/2020. As of XX/XX/2020, we have not received reimbursement of these additional funds. Check number and tracking info has been requested numerous times and Cardinal refused to provide. 

Cardinal Financial requested the payoff statement from previous lender on XX/XX/2020, which expired on XX/XX/2020. A new payoff statement was not requested prior to closing on XX/XX/2020. This resulted in the payoff amount being greater than the actual amount owed resulting in the new mortgage being incorrectly inflated. The difference between what was owed to the previous lender due to the lack of requesting a new payoff statement is {$1500.00}. 

Per the records on Cardinal Financials secure website, on XX/XX/2020 the loan principal balance was stated as {$140000.00}, a principal curtailment was posted on XXXX XXXX in the amount of {$1600.00} resulting in a principal balance of {$140000.00}. However, the loan was sold to XXXX XXXX on XX/XX/2020 in the amount of {$140000.00}. Cardinal was alerted to the difference in payoff amount and tax payments, Cardinal assured us that this would be corrected at closing. Accurate closing loan amounts were requested, however, never received. After the loan closed, Cardinal has been unresponsive to our concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
1.XXXX XXXX- Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 3.XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 7. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 10.XXXX XXXX XXXX. XXXX- Inquiry from XX/XX/XXXX 11 XXXX- Inquiry from XX/XX/XXXX 12. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 13. XXXX XXXX XXXX -Inquiry from XX/XX/XXXX 14. XXXX XXXX- Inquiry from XX/XX/XXXX 15. XXXX XXXX- Inquiry from XX/XX/XXXX 16. XXXX XXXX- Inquiry from XX/XX/XXXX 17. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 19. XXXX XXXX- Inquiry from XX/XX/XXXX 20. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 21. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 22. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 23. XXXX XXXX- Inquiry from XX/XX/XXXX 24. XXXX XXXX- Inquiry from XX/XX/XXXX 25. XXXX XXXX- Inquiry from XX/XX/XXXX 26. XXXX- Inquiry from XX/XX/XXXX 27. XXXX XXXX- Inquiry from XX/XX/XXXX 28.XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 29.XXXX XXXX- Inquiry from XX/XX/XXXX 30. XXXX XXXX- Inquiry from XX/XX/XXXX 31.XXXX- Inquiry from XX/XX/XXXX 32.XXXX- Inquiry from XX/XX/XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I went to open a bank account with TD Bank, and I was denied access. When I inquired about the reason I was denied, the bank teller told me I had committed fraud with a previous account, also because I have outstanding balances with other banks such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banks listed above never notified me that they were going to report this information to any consumer reporting agencies. and the information they reported was not accurate per the FCRA. I am a struggling Veteran who needs access to his bank account to get my life back on track mentally and financially, this denial hinders me from moving forward in life being blacklisted by the banking system whom I've lost trust in with limited access to credit, loans etc. failure to remove this information will result in me seeking legal remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got with a New Inquiry from Santander Bank Na on XX/XX/2018 from XXXX. I noticed this through XXXX XXXX on my XXXX  XXXX online account. Around XXXX I called up both companies about this fraud situation and both said they would remove it. I than had called a second a third time. I want to say new years day last time I spoke to with both companies and both would assure me would come off in 7-14 business days. Nothing has ever come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  gives this advice as steps everyone can take to help improve their credit score. Bring any past due accounts current. Pay off any collections, charge-offs, or public record items such as tax liens and judgments. Reduce balances on revolving accounts. Apply for credit only when necessary. 
I followed this advice when I paid the entire account. Sheffield Financial Corp who wrongly charged me with two late payments XX/XX/2015 & XX/XX/2015. You will notice from the attached documents that this is an inaccuracy Sheffield Financial Corp has to fix.
Product: Debt collection

ATG XXXX received debt that I owe. I contacted a credit consolidation service XXXX XXXX XXXX XXXX XXXX to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter.
Product: Bank account or service

On XX/XX/XXXX, I reported to Chase Bank the use of a check that was never write it by me, or authorized in any matter for me.

The bank had informe that i should wait 5 business day for an investigation to take place and a decision to be made.

Is XX/XX/XXXX and still has no hear any resolution from the bank, when I called the bank requesting an update on the case they had informe that there is no decision made yet and that i should wait till the meddle of night when the 5 business day end.

This make no sense because my claim was open at XXXX on XXXX so the got the whole day past Friday to start the investigation, and this entire week but is still no a single update on my case.

Its look like the bank is waiting for the last minute to made a decision on my case what i believe is no a fully and correct way to treat a customer and either is no the proper way to do an investigation if they been investigating for over 5 days this claim but its there no update so what kind of investigation its this if there is no updates on the things they are reviewing?

all what i am looking for is to get my money back from a check that i have no write.

Today XXXX Senior Specialist from Chase Claim department in XXXX had no provide me any update any information instead to provide me any information has denied me to get a manager on the floor and also has reject my request of find information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX ****
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken loan ran my credit report without my authorization
Product: Debt collection

Its about a medical bill that was already paid by my health insurance company. 

I sent complete details about this debt issue too the insurance company. 

I have been calling since this issue of a bill started. 
I have XXXX and XXXX and this bill was covered. 
I keep getting the runaround from the hospital itself stating that it was paid. 

I have been trying too get this bill fixed and it is frustrating. 
I keep getting the bill and now its in my credit report. 
I dont know what else to do in this situation.
Product: Checking or savings account

I got two email notifications from Chime that my account is activated and the direct deposit is set up. I reach out to Chime to ask what is going on. I dont have any account with this company. They said my personal information is stolen. They closed the account, but didnt give me enough explanation when this was opened or the last four digits of my social security is matched. I realized there many other people experiencing the exact same situation in XXXX. This could be a serious issue for many people who dont check their emails as often as the younger generation.
Product: Debt collection

I was sent an email from XXXX XXXX XX/XX/23 for a settlement in the amount of {$1600.00}. I received an email from XXXX XXXX saying they are no longer responsible for the debt and it is back in XXXX XXXX hands. I called and they told me this is incorrect. XXXX also has my debt was is on my credit this is inaccurate reporting and incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report. I learned Experian and XXXX were purposely continuing to report inaccurate inaccurate information on my credit profile. I have disputed the inaccuracies numerous of times and both credit reporting agencies lied and said that this world finance account met FCRA requirements. This is clearly untrue. I have attached a screenshot of my credit report to this complaint. I found XXXX inaccuracies on this world finance account. The FCRA requires the credit reporting agencies to report everything the same across the board on an account. I have proof that Experian and XXXX is failing to comply with FCRA laws. XXXX is reporting date opened XX/XX/XXXX, balance {$630.00}, past due XXXX, payments Status collection/charge off, last reported XX/XX/XXXX, comments - collection account placed for collection, date last active XX/XX/XXXX. Experian is reporting date opened XX/XX/XXXX, balance {$0.00}, past due {$0.00}, payment status- wage earner plan, last reported XX/XX/XXXX, comments- debt included in or discharged through bankruptcy chapter 13, and date last active XXXX, all this is verrrrryyyy different information which is inaccurate information and is not the same across the board. If this matter is not resolved I will seek legal counsel. I am also demanding Experian and XXXX to pay me XXXX for everyday that this inaccurate sits on credit profile. This account has caused me to get denied for credit on several occasion and the condescending account information between the bureaus are defaming my charter.
Product: Credit card

Below are the list of CFPB complaints dating back to XXXX XXXX that all revolve around the same problem. I have not been able to pay either my PayPal Credit and PayPal Mastercard online since that time. There was a period of time I was able to pay the Mastercard online and mail checks for the Credit account. This ended when PayPal/Synchrony updated their systems at the end of XXXX. PayPal was not sending me paper bills for the Mastercard during this time. The automatic payments that were consistently being made on time were being rejected by PayPal/Synchrony. I did not receive a paper bill for months. Due the the failure to mail bills there were numerous late fees and compounded interest charges. Today is XXXX XXXX XXXX and I have not received the bill that is due on XXXX XXXX XXXX With the current state of our postal system, this bill will more than likely be returned late. I am not at fault for bills not sent or bills that are lost/delayed by the postal system, yet I am not authorized to charge PayPal/Synchrony a late fee. They will definitely charge me one! Along with PayPal/Synchrony refusing to identify and repair the issues in their system, I am unable to pay by way of phone. The payment is rejected in the same manner as online payments. I have repeatedly stated I would pay with my debit card, but they state they are unwilling to resolve the matter that way. Now, along with PayPal/Synchrony's greedy payment policies, they have the audacity to add a XXXXXXXX  monthly "paper billing" charge!  They have had SIX YEARS to fix a problem to only add insult to injury. 

As I stated above, I should not be penalized for the inefficiency of the postal system. They were paid to deliver an item to me in XXXX XXXX from XXXX XXXX. It traveled to XXXX  where it stayed for ten days before spending a day in XXXX  then to me two days later. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been over a year trying to get simple addresses, off of my credit report. i have never lived XXXX XXXX XXXX, XXXX XXXX, La. XXXX, nor XXXX XXXX XXXX. XXXX # XXXX, XXXX XXXX, ca. XXXX. I have written the bureaus and my governor, complaining how something so XXXX, simple, has become, a giant over a year headache. why is it a dead corporation, can dictate to a live human being being, and determine, where i actually, live or i'ved, in it's dead opinion. i've spent countless hours, even calling these clowns, try to get someone on the phone at experian, XXXX near impossible, and a year later, still chasing my tail. can someone please help me, i'm at the end of my rope. teh cfpb just came out with a XXXX report against these major bureaus, maybe that will hepl.
Product: Debt collection

We ended our service with XXXX  in XX/XX/XXXX. My wife scheduled an appointment and returned the equipment to the XXXX location on XXXX XXXXXXXX XXXX XXXXXXXX WA. In XX/XX/XXXX, she received a text about equipment that wasnt returned. When she tried calling XXXXXXXX she could t get through because our account and been closed. She decided to try logging into the XXXX account and noticed a past due balance of {$330.00} on XX/XX/XXXX. We then noticed a collection account listed on my credit report from XXXX for XXXX in the amount of {$230.00}. She called XXXX on XX/XX/XXXX annd spoke with a rep named XXXX and inquired why there was a collection and XXXX indicated they never sent us to collections and the account had been paid in full. After being transferred numerous times, she found out that they thought the equipment wasnt returned, but they did have record of the equipment being returned as she said. After that was discovered, XXXX still insisted that they never sent us to collections, and that we owe them nothing and they owe us nothing because the account was paid in full, and her information was incorrect and there a houldnt have been a balance on the account. They could not provide any contact information for XXXX because they didnt have record of a collection with XXXX  XXXX My wife emailed multiple times and tried to contact upper management with XXXX to figure out a resolution considering the collection account was listed in error and we over paid XXXX by {$330.00}. They then updated the online account to show a credit of {$100.00} which they later removed. She was told to go to the location the equipment was returned to and they can fix the error with the account, but insisted there was no collection. 
She then called XXXX on XX/XX/XXXX after finding their contact information online, and tried to inquire about the debt. They told her they cant help her and dont work with XXXX anymore and wouldnt provide her any information and the rep continued to say she cant help. So my wife asked if she was on a recorded line and started her name, my information and why she was calling because the representative continued to deny her request for assistance. I have filed a dispute with XXXX where the collection account is listed, but I have no way of finding out who is holding the collection account or how to resolve it due to a lack of information from XXXX and XXXX and their unwillingness to provide that information.
Product: Credit reporting

I have disputed a lien in the State of California to Transunion, XXXX because the lien has been satisfied and released but only XXXX has changed the status on the credit report to reflect the true status. Transunion refuses to change to the correct status. Copy of the XXXX change is attached.