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

On XX/XX/year>, Capital One reported an inquiry to my XXXX and XXXX credit reports without a permissible purpose in violation of 15 U.S.C. Section 1681 ( b ). I originally submitted information to Capital One to find out if I were pre-approved for any of their credit cards. The Capital One website said that I could submit the information to see which credit cards I would be pre-approved for " with no impact to your credit score '' ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), meaning they would not do a hard inquiry that would appear on any of my credit bureau reports. 
After I submitted the required information, Capital One displayed a page showing which cards I could apply for, but I was not interested in applying for any of them and exited the page without taking any further action. I then discovered that Capital One did do a hard inquiry on my XXXX and XXXX reports, even though I had not made an application for any of the credit cards that I was allegedly pre-approved for. When I contacted Capital One by phone concerning removal of the inquiries, they refused to take any action to do so. I was told by a Capital One representative that I did apply for one of their cards, but that I withdrew my application before completing it. This information is false, and Capital One has no record of me applying for any of their cards on XX/XX/year>, or that I was either approved or denied for any of their credit cards. 
The Capital One website inviting individuals to see if they are pre-approved " with no impact to their credit score '' is misleading as they did do a hard pull on two of my credit reports before I could even consider which cards I might want to apply for ( which was none ), and have had a negative impact on my credit scores on XXXX and XXXX. Furthermore, Capital One had no authorization from me to do a hard inquiry of any of my credit reports, and as such had no permissible purpose to have such inquiries placed on my credit reports in violation of 15 U.S.C. Section 1681 ( b ).
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Inquiry 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX  Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, and as it happens in the beginning of this year, and as reported in XXXX yet, my XXXX Mastercard payments and my good standing with XXXX past due since XXXX have disappeared in the latest XXXX credit report and on balance statement. It is to be well noted that this was fixed for a while after escalating it to CFPB in May, but now the problem comes again. Attached are the XXXX report showing the right data and the XXXX report with a blank section for my HSBC Mastercard. Attached are also the card statements of XXXX and XXXX. In the HSBC Credit card XXXX statement there was not any FICO yet printed because the problem was just resolved. Later on in the XXXX statement, it ended-up to appear but just for a short time as transmission and/or processing is interrupted again. 

On XX/XX/XXXX I filed a complaint as XXXX had stopped computing and publishing my XXXX score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for more than 7 months. After investigating with HSBC US NA Bank, where I do have a Premier Mastercard account since XX/XX/XXXX with XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account where the year XXXX and XXXX are fully missing. This is the proof that XXXX knows about my account at HSBC US but do not investigate on the failure root cause and do not show enough willingness resolve the issue once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Late Payments on Credit Report Without My Written Consent, violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports In accordance with the Fair Credit Reporting Act, 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 - States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B - States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have not given
XXXX EXPERIAN nor XXXX the permission or instructions by written consent signed with my own hand to furnish these negative references of late payments entries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and 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: Mortgage

Hello, We're filing this complaint with the hope that you will assist us in completing our Deed in Lieu / Cash for Keys request with PHH Mortgage. We've been working with them since XX/XX/XXXX on this matter and are continually redirected and asked for documentation irrelevant to our request. 

Our son, XXXX XXXX, is on the Deed of our home and has occupied the property for many years. Unfortunately, he had a marital issue that has brought him/us to this point and caused the property to be placed into active foreclosure. There was a sale date set for XX/XX/XXXX, but, when pressed on this matter, PHH put all foreclosure activity on hold and allegedly began the Deed in Lieu process with us. Since XX/XX/XXXX, we've been asked, repeatedly, to submit a full loan modification request application, and on numerous occasions, PHH has also claimed that there was an active modification application in process. We were also sent a letter, dated XX/XX/XXXX, claiming the application was withdrawn at the request of the account holder. Again, there was no formal request made on our behalf. As you can see from our most recent conversations, PHH is playing out a delay tactic to move to the inevitable- selling the property at auction. 

XXXX has found a job in PA and will be leaving Texas on XX/XX/XXXX. Given that we, XXXX XXXX and XXXX XXXX XXXX, reside in California, the property will be vacant after that. 

Will you please assist us in our effort to resolve this matter and finalize a deed and XXXX and cash for keys request? Your help is greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX account number XXXX to change my payment due date and they agree to do so but then reported my account 30days late to the credit bureas.Ive never paid late please remove this remark from my credit
Product: Student loan

My student loans were services by FedLoans for the PSLF program. I started working a qualifying employer in XXXX but them switched an began working for a state government agency in XX/XX/XXXX consistently. At that time I had finished my XXXX XXXX XXXX degree and was starting my XXXX  program. I spoke with FedLoan regarding the process for the PSLF program and if I would begin making payments on my loan at the time I started working for the state would those payments count. I spoke with 2 different representatives and both informed me that my payments would not count because I would have to consolidate all of my loans prior to starting my PSLF. So they kept my payments in in-school deferrment while I attained my XXXX. I continued to work for State Agencies throughout that time and finished my XXXX  program in XXXX. I then consolidaeted my loans and began my PSLF program. Each year since XXXX, I have submitted my PSLF certification and it reflects my time from XXXX but none of the time counts due to it not being in payment status even though I asked repeatedly if this time would count and was given false information. 

I also have inquired about the months of XX/XX/XXXX and XX/XX/XXXX, as these payment were not counted towards my forgiveness time even though I made payments these month. For XX/XX/XXXX, it states no bill was due at that time, but there was and I made my payment that month. For XX/XX/XXXX, On the system it reflects that my employment was not certified even though they have the applications and have approved my employment during his time period.
Product: Mortgage

Senenca mortgage took over servicing of my loan from previous mortgage company on XXXX/XXXX/15. My first payment, XXXX XXXX, went to the previous mortgage company as required. When Seneca took over my loan they began calling me weekly, sometimes daily, stating that I owed them my XX/XX/XXXX payment. I informed them that I had made that payment to the previous loan company as required. I also sent them proof from the previous mortgage company and bank statement showing it cleared. I still continue to receive calls until XX/XX/XXXX claiming they have not received this payment and stating I am one month behind on my payments. I was assessed a late fee, which I had to call and dispute. They have stated that they notated the account that I should not be assessed a late fee and are still attempting to get my previous payment forwarded from the previous loan company. I sent my XX/XX/XXXX payment by online bill pay as I have done since they assumed my loan. My XX/XX/XXXX payment was rejected by them. I had to call and ask why this was rejected. The answer I was given was that they have placed a hold on my account in order to monitor for any incoming check from the previous loan servicer. I am now forced to make payments by alternative means until this is resolved. I find this unacceptable and this company cleary has no idea what it is doing. They are threatening and I do n't trust them. I informed them if they negatively impact my credit in any way I will file a lawsuit against them. Online reviews of this company are overwhelmingly negative and appear to operate with questionable tactics. I will be working to help organize a class action lawsuit against this company if the issue is not dealt with in the next few weeks. Customer service reps are often rude and argumentative. They are the worse company I have ever dealt with and totally incompetent.
Product: Payday loan, title loan, or personal loan

This letter is in reference to my poor experience with Lending Club 's customer service operations, from the loan application submission on XX/XX/XXXX to date. 

On XX/XX/XXXX, after submitting the corrected documents requested around XXXX, the same day near XXXX I received an email from Lending Club to upload the same documents that were already submitted. 

I then called Lending Club customer support to clarify the confusion. I called in around XXXX and spoke to a representative who stated he would note my account the specifics of me being self-employed, not possessing a W2 form, and having submitted all equivalent documents requested. As well as the representative verbally confirming my address information. 

However, at XXXX I received yet another email from Lending Club to upload again my : 1 ) W2/Year-end pay stub 2 ) The 1099-MIsc 3 ) Address document Upon calling XXXX XXXX customer service again, I spoke to a female agent who referenced the notes from the previous representative I had just spoken to. In the end, she confirmed again all documents are in receipt, and the email repetition were more than likely due to a systematic error. 

Nonetheless, the disorder continues, as I receive a missed call from Lending Club on XX/XX/XXXX early afternoon. I called customer service only to be informed from the representative, Lending Club is requesting 3 documents. 

When addressing this will in fact the 3rd time Lending Club is asking for the same 3 documents. The representative again apologized for the confusion, confirming yet again documents have been submitted. 

From XX/XX/XXXX to date, this issue was never resolved nor addressed. Instead, after Lending Club received my grievance complaint letter on XX/XX/XXXX, regarding their disorderly customer service I've experienced for over 2 weeks. Instead on XX/XX/XXXX, Lending Club 's response to me was denial of my application.
Product: Checking or savings account

On XXXX XXXX XXXXXXXX someone made fraud transaction from my chase account. There were multiple transactions and on multiple locations like spanning from XXXX to XXXX  Apparently, XXXX knows how it shows that they made transaction through my debit card but that's impossible. I have the card in possession and i never share the details with anyone in the world. I made a claim in chase and they rejected saying since the transaction were made through debit card we can not do anything. I asked them to reconsider but they want me to prove that i was not involved. Infact they should be proving me that i did all of that. I traveled from XXXX XXXX XXXX  with in an hour and made grocery purchase.they dont have answer to that. I am completely unware of how this happened and now helplessly making this complaint
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXXXXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Checking or savings account

Please review case XXXX XXXX I received a response on the above case with the following message " complaint appears to be a duplicate ''. Why was my response, " This complaint appears to be a duplicate '' printed in a font of 18. The font size used was a sign of disrespect on the part of Wells Fargo. Why was it necessary to print this response in such a large font that I could read it from across the room. I have already closed two account with Wells Fargo due to continuous errors on the part of Wells Fargo. I can also close the two existing account I have with Wells Fargo at any time I choose. After all the fraud accounts and all the sanctions placed on Wells Fargo I would think Wells Fargo employees would and should have a litter more respect then what you just showed me. Please explain why you feel this was a duplicate complain. It was Wells Fargo error that mail was sent to my address. If this error would not and should not have occurred I would have had no reason to file a complaint with the CFPB.
Product: Debt collection

Portfolio Recovery Place for Collection XXXX Amount {$390.00} Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone XXXX XXXX XXXX This shows on my Credit Report. I do not have any knowledge of this debt. I called Portfolio Recovery and they did not have any record of this debt. I would like to wipe this from my credit report. I called XXXX XXXX and they could not do anything. I appreciate if you could help me to resolve this dispute
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing about the company called Zwicker & Associates, a debt collector located in XXXX, MA. I live in MA also and when my daughter was at XXXX XXXX I took out a MEFA loan for {$3000.00}. I fell behind because of a XXXX and was unable to keep up the payments. The loan was given to Zwicker and I have been paying {$100.00} a month to them for a couple of years. I asked them for a statement and received something that did not clearly tell me how long I will be paying this bill. I am helping my daughter by paying this bill, because I signed for the MEFA loan and she already pays about XXXX a month for her loans. I arranged with Zwicker & Assoc. to have automatic withdrawal at or near the XXXX of each month. 
I understand that I agreed to pay my MEFA loan of {$3000.00}. As I have been paying on this debt for two years at least, I should have paid {$2400.00} by now. I would like to have a written statement telling me if there are added costs that disallow me from having this debt paid in full in the next six months. Thank you for your help with this matter.
Product: Checking or savings account

On XX/XX/2024, I deposited two checks from XXXX XXXX to chase bank. The ATM expressed it would be available for immediate withdrawal. Both the branch manager and the associate who assisted me verified that it showed it would be available for immediate withdrawal. Chase is holding the funds until XX/XX/XXXX XXXX  and has since restricted the account. 
Even though chase has verified the funds from XXXX  XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX they are not releasing the extended hold because 2 : one my account profile not strong to support item and my account is restricted due to overdraft despite depositing check on XX/XX/XXXX 
XXXX XXXXXXXX spoke with the back office to request for the restriction to be lifted on the check and chase said they would not despite receiving the funds from XXXX  XXXX as of XX/XX/. My account is negative because chase held the deposit and refused to decline a transaction.
Product: Mortgage

Nationstar Mortgage still owes me {$1000.00} in surplus escrow from 2014.