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

I am writing to you as a loyal client of CapitalOne Bank since XX/XX/year>. Over the years, I have strived to maintain an excellent payment history, always ensuring that my mortgage payments were made on time without any issues. It has been a privilege to be a part of the CapitalOne family, and I highly value the professional and reliable service you have provided. I am writing to bring to your attention an unfortunate incident that occurred in XXXX, which has resulted in a late payment on my account XXXX. This occurrence was entirely unintended and stems from a billing error with my credit card merchant. Despite my diligent efforts to prevent any issues, the error led to a delay in processing my mortgage payment for the month of XX/XX/year>. I fully understand and acknowledge that timely payments are crucial, not only to maintain a positive credit history but also to honor the terms of our agreement. The recent late payment has had a negative impact on my credit score, and I am genuinely concerned about its implications for my financial well-being. Given my current history of prompt payments and my commitment to rectifying this situation, I kindly request that CapitalOne consider granting a goodwill adjustment. This adjustment would involve the removal of the late payment notation from my credit report. I understand that CapitalOne Bank has the discretion to make such adjustments in cases where clients have demonstrated a history of responsible payment behavior, and I sincerely hope that my past and current record with your institution will be taken into consideration. I assure you that I have taken corrective measures to ensure that such a situation does not occur in the future. I have reviewed and updated my payment methods to prevent any recurrence of billing errors. My commitment to maintaining an impeccable payment record with your company remains steadfast. I kindly request that you review my account history and, if possible, grant this goodwill adjustment. Doing so would greatly assist in alleviating the adverse effects of this late payment on my credit report and financial stability. I appreciate your attention to this matter and your dedication to customer satisfaction. Thank you for your time and understanding. I look forward to your positive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to three Credit Bureaus and I am filing a case aginst them in violation of neglegence under FCRA Section 605b. These Credit Bureaus have engaged in unfair and deceptive practices by providing inaccurate and misleading information to debt collectors, thereby tarnishing my creditworthiness and subjecting me to harassment. I demand immediate deletion of these violations and compensation for the damages caused. These are the following items that are needs to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute an error on my credit report, which inaccurately reflects delayed lease payments for my new XXXX lease. This issue is inconsistent with my prior leasing history, during which I maintained an impeccable payment record. 

Details of the Error : The issue arose due to a series of miscommunications and delays associated with the payment process, as detailed below : 1. Change in Financial Institution : I was unaware that XXXX had selected US Bank for my new lease payments. 

2. Lack of Communication : I did not receive a welcome kit or guidance about creating a new account with US Bank for payment processing.

3. Delayed Notifications : Letters from US Bank regarding the account setup arrived late.

4. Missing Alerts : I did not receive timely emails, calls, or text messages alerting me to issues with the payment process.

5. Bank Error : When my first payment was made, it was processed with an incorrect account number but was accepted. Autopay was subsequently set up with the same incorrect account information and was also accepted. This led me to believe payments were successfully being processed. 

When I finally received a letter indicating that the payment and autopay setup had failed due to an error, I immediately updated my banking details to correct the issue. Despite my prompt action, my credit score dropped by nearly XXXX pointsa drastic and unwarranted penalty for a problem rooted in procedural and communication failures. 

I have reached out to US Bank but they did not address my issue. Subsequently, I reached out to XXXX, XXXX, and XXXX to dispute this error. Unfortunately, their responses were unsatisfactory. It appears they did not thoroughly review my letters or the attached documentation, as their replies merely referred to the US bank certification without addressing the core issues I raised. 

I have attached copies of letters from US Bank that confirm my attempts to make the payment and establish autopay for all future payments. Additionally, my prior lease payment history with XXXX demonstrates that this error is an isolated incident and does not reflect my financial responsibility. 

I kindly request that you please investigate into this matter and correct the inaccurate information regarding late payments from my credit report. 

If further information or documentation is required, please let me know. I look forward to your prompt attention to this matter and a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

This account has been fully paid, and I believe it is negatively impacting my credit profile. While I understand that accurate information generally remains on a credit report for a specific period, I am kindly requesting goodwill consideration for its removal.

I have been diligent in managing my financial obligations, and removing this account would greatly support my efforts to maintain a strong credit profile. If there is any additional documentation or information you need to process this request, please feel free to contact me at [ XXXX ] or XXXX Thank you for your time and understanding. I look forward to your positive response.
Product: Credit card or prepaid card

A balance was carried over from XXXX XXXX to BarclaysJetBlue when XXXX XXXX ended the program with JetBlue. Below is the XX/XX/XXXX-XX/XX/XXXX payment history from the BarclaysJetBlue account. For two years, I have been consistently making early payments 2x the requested minimum without making purchases yet Barclays continues to charge interest on multi-cycle billing. I do not use the card, am trying to bring down the balance but the interest is the same month over month. I am asking for your intervention as is my right under the CARD Act of 2009, the Fair Credit Billing Act & Fair Credit Reporting Act. Recently, I sent a second payment in XX/XX/XXXX to be applied to XXXX billing and payment was not reflected. The Barclays billing and interest practice is creating a hardship and making it difficult for me to ever pay off this credit card account and negatively affecting my credit score.. 
XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to TransUnion and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX The dates of these disputes are as follows : XX/XX/XXXX and XX/XX/XXXX. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus. Furthermore, I have received emails from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that they are refusing to investigate. I have also received emails from TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX stating that they are refusing to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.
Product: Credit card or prepaid card

I booked a vacation back in XX/XX/2019 with XXXX for {$7200.00}. We were suppose to leave XX/XX/XXXX but with Covid, XXXX allowed us to change it to XXXX. Then we received an email XX/XX/XXXX stating they were cancelling us and they will not refund us but for me to contact my credit card company for refund. I can not contact XXXX at all. I have placed a dispute with Citibank and they gave me a temporary credit. Now they have removed that credit and stated that they favor the merchant. I didn't provide enough evidence of trying to contact XXXX. I can't! They have no way to reach them. I explained that on the phone when I spoke with them and in e-mail. I paid in full on my credit card for a vacation that I can not go on and Citibank will not protect me in this. This is against the Fair Credit Law. I have placed a police report in XXXX XXXX XXXX along with thousands of others. They have a special place on their website for just this. And Citi said I didn't provide enough information. I gave them all of the correspondence I have. They just cancelled on us. What else can I prove? I am on a XXXX page with others that have been wronged by XXXX and Citibank is the one of the only banks who wont back their customers unless they are reported for it. So I am reporting it and hopefully something gets done. Thank you
Product: Consumer Loan

I had a car repossession on XXXX XXXX by Capital One auto Finance. I 'm trying to get my car back and paid made a {$1300.00} payment which I was told I needed to make a payment of {$2500.00} to get the car back. I could make this in payments. I spoke with a rep on XXXX XXXX and was told I would then need to pay {$500.00} my regular payment which I informed him I did n't have. He put me on hold and came back offered a extension took my payment of {$1300.00} and we ended the call. Only to find out on XXXX XXXX from the XXXX XXXX XXXX where my personal items were cleaned out of my car that my car was being sold on XXXX XXXX. I made a call back to the Reinstatement department and was told by a XXXX XXXX who was beyond rude that why ca n't you pay your car not you have been late 21-times. We all have hard times you did n't know you got a email before talking to him there was a young lady. Who ask if I was told about a email I was not told by the rep on XXXX XXXX there would be a email coming where the sale date would be moved up due to the extentsion being offered to me. Nor was I told about the Loan modification program that the {$1300.00} could be used as good faith payment toward getting my car back. So now I 'm being told they will not except my {$1300.00} as good faith payment to get my car back. When I have been given incomplete information through out this entire process with Capital One Auto Finance. That this program of Loan Modification, a good faith payment is not really to help the consumer. It is only to see how much more money can you come up with. After speaking with several rep 's and a few were really nice and did n't make me feel like a XXXX. But the ones who did the man on XXXX XXXX, a XXXX , XXXX on XX/XX/XXXX, young lady name XXXX on XX/XX/XXXX were awful rep 's. Life happens to us all at some point and time but I want to get my car back. I am being made to jump through hoop, after, hoop a supervisor is never available to speak with. I would like to place this compliant against them my personal items were place in someone else 's care that was repossessed at XXXX XXXX which is very unprofessional. Which I had to pay {$50.00} to get from them. Thank you
Product: Debt collection

I have spoken to United Collections Bureau Inc regarding a bill sent to me for medical provider services. I explained to them that I have insurance that was never billed. They told me that they sent the information and it was returned. I called them on XX/XX/XXXX and explain that my insurance company was never billed. All they wanted was for me to pay. I asked for the information on the company that sent it and an itemized bill. I was told that they dont need to provide that to me and I needed to " XXXX XXXX it. I finally found the originator XXXX XXXX XXXX and they said because they had a bad home address they immediately sent it to collections and can not do anything to help me. The date of service was XX/XX/XXXX 6 months ago. I can not get them to bill my insurance to satisfy this bill and they refuse to do anything except ask for money to satisfy. I have spent 5 hours on the phone trying to get someone to do something and just get harassed and no effort to resolve/submit billing
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Mortgage

Bank of America took 2 mortgage payments out of my Bank of America Checking account to pay my mortgage which caused me to become overdraft. I had to call them 3 days in a row and still did not receive a timely resolution. My checking account was impacted each day and I was forced to keep depositing funds so as not to overdraw further. No definitive timeline was given for resolution. On the first day while the payment was processing they told me I could not get anything resolved until it " processed ''. On the second day the mortgage customer service rep told me it would be back that day or the following morning. On the third day the customer service rep told me it could take 3 days. This is impacting my ability to manage my finances and not go delinquent with other bills. At no point did I get an answer as to why 2 payments were taken, or any efforts to expedite the return of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and sent documents of incorrect information on my credit report so many times there is always an issue with them according to them they update info that looks the same as the last report or they report that agency reported it was accurate even with the documents the collection companies tell me they could find my file or unable to sent me documents that verify the debt is mine I have been doing this for a year now and still cant get a solution
Product: Debt collection

I have been making monthly payments, yet they are still calling me at least once a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my last attempt before I file legal charges against transunion, if this is not removed by XX/XX/XXXX. 
my legal team will handle this
Product: Credit reporting or other personal consumer reports

Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Debt collection

I was contacted by ERC to collect a debt for XXXX. I notified them that the amount that they were collecting was not what I owed. I agreed to pay a reduced amount so that this would not go on my credit report. Not only did they put it on my XXXX report after I paid, they are reporting that I owe a large amount of money. I have sent multiple certified letters to ERC concerning the information that they are reporting and I have documentation of each letter. I have asked them to verify the information that they are reporting and they have never responded. I know that they do not have the ability to verify the information because it is incorrect. Under the law I have the right to request verification for information being reported and I have not received anything from them within the specified time limits. Therefore, they are required by law to remove the information. I would like for this company to no longer contact me and to remove any and all false information from my XXXX  report.
Product: Checking or savings account

so in XXXX of XXXX  i was asked by a friend to help make him remodel a kitchen and bathroom in this house i finished and was given a check and deposit the check into my chase account so like 2 days later they said my account closed due to fraudulent activity i asked will i be charged for this or anything they said no, so i let it alone couldnt recover my account cool then today XX/XX/XXXX they told me i owe them money.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX  - I received a text from XXXX XXXX XXXX stating there is a balance on my account for {$100.00}.

I responded immediately via text stating that I do not have a balance with the company and that I was not paying for a service that I did not schedule, approve, or receive.

The Company responded with an apology about the confusion and asked if a time could be scheduled for them to come out and treat my house.

I declined.

On or about XX/XX/year>, the original creditor, XXXX XXXX XXXX, fraudulently attempted to withdraw {$100.00} from my bank account without my authorization. This unauthorized transaction triggered an investigation by my financial institution, which led to the reversal of the fraudulent charge.

I received an undated collection notice from
DEBT CO, LLC. I responded to their letter disputing the debt and I never received a response from them.

On today, the debt for {$110.00} was listed on my credit report and dropped my score XXXX points. I called DEBT CO, LLC and demanded that they remove the debt, which they refused to do.

Both companies are trying to strongarm me into paying a debt for services I never received. I want this debt removed from my credit reports immediately and collection to cease.
Product: Debt collection

Sent them a certified letter XXXX/XXXX/2014 requesting for " verification of account '', prove the statue of limitations has not expired, licensed to collect in California, and documents proving that I have signed an agreement with them under the rule of " standing ''. Also, improper reporting of this account to the XXXX credit bureaus. 
Never received a reply from them up to now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid as I agreed. When the account was paid off, the company reported the account late.
Product: Checking or savings account

XXXX recieved a letter in the mail saying I have an open account with First National bank with a current balance of $ XXXX. Called First National on XXXX to report Ive never opened an account with XXXX XXXX nor withdrew money.