23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an email on XX/XX/year> indicating that my prescheduled credit card payment ( substantial ) had been cancelled as well as my paying bank setup due to a change in services. The change in services was demands that customers agree to new payment terms ( adverse ) or bill pay was inaccessible. The email was somehow dated XX/XX/year> but didn't arrive until XX/XX/year>? 

I was forced to agree to the agreement in order to just pay my bill, which was due immediately. Today, I find that BOA has charged me a late fee after they cancelled my prior prescheduled payment!!!!! This bank is unreal. First they mismanage $ XXXX of my money and then they bounce all of my checks in my checking account, withhold my money, then jerk me around for weeks, and now, when I am attempting to finish off this credit card for a home improvement project and get away from this frickin ' bank, they start playing games so that my XXXX interest credit card will become interest bearing via lack of payment, WHICH THEY CANCELLED. Honestly, you can't make this stuff up. 

Further, bill pay was terminated for no reason, as the only account change was the closing of the prior savings and checking, when payments for the credit card were already set up and coming out of XXXX. BOA not only cancelled the scheduled payment, but removed XXXX so I had to set everything up again.
Product: Credit reporting or other personal consumer reports

1. I was removed as an authorized user on the XXXX XXXX credit card ( I confirmed with XXXX XXXX over the phone ) under my ex husbands account ( XXXX XXXX ). It is showing on my credit report after numerous attempts to remove. 

XXXX XXXX XXXX XXXX XXXXs reporting two open credit cards on my credit report, I only have one. Confirmed with XXXX in numerous occasions that I only have one credit card ( ending in XXXX ). The one starting with XXXX is not mine or needs to be closed. It is showing on my credit report after numerous attempts to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine 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 TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$630.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 7 ) seven hard inquiries and inaccurate personal information showing on the credit file with Equifax. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Credit card or prepaid card

I accidentally made a large payment of {$6000.00} to Citibank when my bill was less than {$600.00}. I requested a full refund. I was told that my request would be processed in 10-14 days. The representative asked if I had overdrawn my account and I answered honestly that it hadnt. It has now been 15 days and I am now unable to pay the next months bills because this hasnt been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX This is my third XXXX time doing this XXXX. I tried to call and cant even get in touch with some one to confirm my XXXX identity. It crazy you are saying this just because I have educated myself on learning the law I am now a third party. That is XXXX  XXXX. These false reporting accounts on my credit report has been an XXXX  XXXX to me and my family I am not an unauthorized third party this is XXXX XXXX this I have submitted this request 3 times
Product: Mortgage

My mortgage loan was paid off. I overpaid the loan, and was refunded my money back from Chase. Chase then issued me an IRS Form XXXX for that refunded money, claiming it as " other income '' on line 3 of the form, which means it becomes income to me, and due taxes. I have already paid taxes on that money, and now, because of the XXXX, the IRS will want me to pay taxes on it again. 

The XXXX listed is NOT income from Chase to me, but my own money, refunded back to me. I filed a previous complaint with CFPB, case # XXXX. Chase 's response to that claim did NOT address the mistaken form XXXX at all. They didn't even mention it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to bring to your attention a grave matter of multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) perpetrated by several creditors, and to request your intervention in ensuring legal compliance and restoring justice in this deeply distressing situation. 

The violations I have experienced are as follows : Unauthorized Inquiries ( FCRA Section 604 ( a ) ( XXXX ) ( B ) ) : 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 XXXXXX/XX/XXXX These unauthorized inquiries have led to considerable distress and hardship in my life. As a single parent supporting two children, I have worked tirelessly to maintain my financial stability and provide for my family 's needs. These unjustified inquiries have resulted in unwarranted decreases in my credit score, causing me significant setbacks in obtaining affordable loans and suitable housing.

One instance that deeply impacted me involved my pursuit of a mortgage to secure a stable home environment for my children. I had diligently researched and prepared for this significant step, only to face a series of obstacles due to these unwarranted inquiries. The emotional toll of explaining the situation to my children, who had been looking forward to having a place they could call home, has been immeasurable.

It is not just the financial implications but the emotional toll that has left me shaken. These violations have caused anxiety, sleepless nights, and constant worry about my family 's future. The dreams and aspirations I held for my children have been compromised due to the carelessness and indifference displayed by these creditors.

In light of these violations and their far-reaching consequences, I kindly request your immediate intervention to enforce the applicable laws and regulations. I implore you to hold these creditors accountable for their actions, as they have shown a blatant disregard for the rights and well-being of consumers.

Furthermore, I urge you to ensure the complete and accurate verification of the accounts listed on my credit report. I request that the unverified and unjustly reported accounts be promptly removed from my credit history to rectify the injustices that have been perpetrated against me.

Thank you for your attention to this matter. Your intervention would not only rectify my current circumstances but also serve as a beacon of hope for countless other individuals who may be enduring similar hardships due to unscrupulous practices by creditors. 

Sincerely, XXXX XXXX
Product: Mortgage

We are refusing to accept this shady Loan approval practices : We all know that loan approval is based on, among other things, debt to income ratio. I truly appreciate the fact that " Homeamerica Mortgage Company '' made it super easy for us to qualify for the mortgage loan that we actually believed that were not going to qualify for the new loan with the current unusual interest rate hike in short time. We believed so because the interest rate had doubled in an unusual way which pushed us out of the market to buy this unit.

Here are some numbers for comparison purposes. The numbers are taken from the first loan estimate and the final loan estimate : First loan estimate ( principal plus intrest= {$2500.00} ) before interest rate hike Final loan estimate ( Principal plus intrest= {$3600.00} ) after rate hike In another words my annual mortgage payment in the first loan estimate amounted to be about {$40000.00} where as in the case of the final loan estimate the annual payment skyrocketed to an amount close to {$54000.00} Coming back to the debt/income ratio ( 26-38 ) %, a person with annual mortgage payment close to {$54000.00} needs to have a corresponding income of ( {$200000.00} - {$150000.00} ) Based on my most recent tax documents ( XXXX ), my wife 's income shows {$50000.00} and mine shows {$59000.00}. One can see these numbers from the attached XXXX tax return document. Prior years tax documents show a much lower income than XXXX. 

My question here is what are the basis for the approval of this extremely risky loan when the clients are willing to exit the contract because of their strong conviction that they will not afford to pay the loan in the long term? 

Some one may ask, why did I lock up the interest rate at 5.5 %? We locked it up because we believed that it was part of the mortgage process. We assumed that the system would recognize and automatically reject our application. That would have resulted for the clients to receive at least their earnest money without being penalized. However, because the builder and the lender are working in harmony, they did not care much about the risky qualification steps ; instead they kept pushing forward for the final approval and closing the loan on XX/XX/XXXX. 

Another point to look at this case is, the builder believes the newly built home worth much higher ( {$780000.00} ) than what we signed for ( {$710000.00} ). If that is the case then why do they need to keep the earnest money of a client who got pushed out of the market without their own fault?

We are not interested to accept this loan offer for the following two reasons : 1. The inflated home price in addition to the unexpected mortgage rate hike has priced out clients like us and this is not our fault.

2. The home appraisal and mortgage approval process does not reflect the reality on ground and needs to be scrutinized as to why the bank is allowing more risky loans even when the client says no to it./? 

Best Regards. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company MARINERFIN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code $ 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Data XXXX Factual DataXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

his complaint is regarding Capital One, in my last CFPB complaint I indicated that the person who has my card stopped paying and is not in contact with me. I do not know the address of XXXX XXXX. I don't have any way to pay the bill and when I attempted to contact Capital One they did not provide me any options. I am not able to use the phone. When I attempted to access my online account for my screen XXXX could not reset the password because I don't have possession of the card. I indicated I do not have a phone. I am not able to pay for the bill. I have not personally received any bills. I am requesting options to defer payment and asking Capital One to please put a stop payment due to the circumstances however Capital One will not contact me via email or provide me options to accommodatemy circumstance. I need for Capital One to accomodate me via email and I need for them to allow me to reset the password for my online account and provide me options to defer payments, change the address but they have not accomodated. Please review the letter they provided me and I am requesting that they please defer payments and stop collection activity, to send to the correct address as well as to reset my password so I can login to my account. As stated I do not have a phone to call.
Product: Checking or savings account

Savings and Checking account. Closed account w/o permission.
Product: Debt collection

XXXX XXXX XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since XX/XX/1998 and needs to be removed from the credit report because it is a clear FCRA Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquiries were made on my credit report on XX/XX/2023 and XX/XX/2023. I did not authorize them to make a hard inquiry. I tried calling each of the companies to dispute it and they could not provide me with any information. I tried calling the credit reporting agencies and they said I had to call the companies directly. 

Hard Inquiries XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Amount {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have disputed with these companies how my rights was violated by HIPPA, I have no communication with the reporting company that this was a collection for my report and I have not given them consent to report on my credit profile because it was not formally verified AND the companies has not submitted any supporting documents that is was my account. 
I have demanded physical evidence from XXXX and XXXX but they have not sent any evidence to confirm this account meets the FCRA. 

They have also not responded to many unauthorized inquires that was not removed from my account.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was not told to me directly in writing within the terms that a hard inquiry will be pulled from a financial institution on a pre-qualify offer. I contacted the financial institution to provide me the terms that stated it specifically and they denied the request. I then went to dispute the hard inquiry with XXXX  and they concluded it was to remain on my profile fir the 2 years. This is concerning as it is now negatively affecting me and I am not provided with more information. I will continue to push for more answers and an actual resolution to this, even if it needs to be that I take legal action on both the financial institution and XXXX.
Product: Debt collection

I had contacted XXXX many time by calling and written them about the five accounts on my credit report that is not mine. 

1 : TD BANK USA/ TARGET CREDIT 2 : XXXX XXXX XXXX XXXX 3 : XXXX 4 : XXXX XXXX 5 : XXXX XXXX, XXXX I had given them documents that the company, ( XXXX XXXX asked for and still to no end nothing was removed.
Product: Student loan

Im here to complain about Navient. Navient is the worse company and i feel like they take things lightly. it is unfair becuase they have total control over my credit. They reported me to collections and they made the mistake. i paid for a forberance and they applied the money wrong. it took them months to get it right. i dont understand how this could have happened.they are not here to help. they mislead people. i told them i cant afford the payments and i paid what i could. they refuse to lower it to a more affordable payment. the intrests rate are too high. this is too much with my bills and other exspenses. its begining to be so stressful on me. i have cried many times behind this. i do not want them handeling my loans
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX A Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After Before Close XXXX XXXX XXXX  XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$20000.00} Credit Limit {$780.00} Highest Balance NA Terms {$0.00} Balance Updated XX/XX/XXXX {$41.00} Recent Payment Amount
Product: Credit reporting or other personal consumer reports

Company put in collections and paid collections and everything is closed but won't remove from credit report. Also on the second account ( same company ) account paid in full and closed and reported as charge off. And won't remove from credit account