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

I have been a loyal card member of Capital One. I recently in XX/XX/XXXXreestablished an account with Capital One. I have an old account from XX/XX/XXXX. Back then I had lost my job and failed my financial obligations therefore Capital One made a mutual decision to close my account. Back then I did n't realize how important credit was but I do now. Capital One is my oldest account & there are several inaccuaries reporting on all 3 major Credit Reporting Agencies ( XXXX, XXXX, & XXXX ) First, on all 3 Credit Bureaus it shows the same account # ( XXXX ) Next, we will get to the route case of this Email ( Payment History ) As you know Payment History makes up for 35 % of a Consumer 's Fico Score & without that Information its is inaccurate A brief look at my account will reveal I have successfully made on time payments since establishing the account. 

Let 's start with the most recent Capital One Account ( XXXX ) Opened XX/XX/XXXX XXXX ( Does n't show XX/XX/XXXX Current Payment Status ) XXXX ( No XX/XX/XXXX Current Payment Status ) Transunion ( No XXXX Payment nor is is reporting XX/XX/XXXX Payment ) Finally let 's discuss Capital One Account ( XXXX ) Opened XX/XX/XXXX XXXX ( Paid as Agreed but no 24 Month Payment History ) XXXX ( 24-Month Payment History starts XX/XX/XXXX until XX/XX/XXXX its missing prior to XX/XX/XXXX as well as XX/XX/XXXX Current Payment Status ) XXXX ( Missing XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX as well as after XX/XX/XXXX Current Payment Status ) For the older account they both are Revolving so without that Information is in inaccurate. 

I do n't need to let you know that without updated this Information you are not in compliance violating my FCRA 609, 611, & 623 Consumer Rights. Please update this within 30 Days. The next step will be to followsuit with the BBB & my Attorney General 's Office which entitles me to {$1000.00} per Violation I sincerely hope Kohl 's believes in their customers and I humbly request to update this Information. I appreciate your time and look forward to receiving a favorable decision from you department soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter in the mail from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  stating I owe a balance of XXXX according to XXXX XXXX XXXX the obligation or other security of the United States includes all bonds, certificates, of indebtednessXXXX XXXX XXXX currency XXXX fXXXX XXXX  notes, XXXX XXXX XXXX  notes, coupons United States notes, treasury notes, gold certificates of deposit, bills etc
Product: Debt collection

I have medical Bills on my credit report from the Bureau of Medical Economics that I shouldn't owe. I was visiting Arizona from Colorado and I ended up having a ruptured XXXX XXXX  that I had to get seen for in the hospital. I had Colorado Medicaid at that time and I never even recieved an original bill stating that I owed anything. I found out by lookin at my credit report. Having this on my credit is impacting my score and life negatively. Please help me get it removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was notified by TD Bank of an Incoming Wire Transfer credit was to be credited into one of my accounts. The wire transfer was expected and was in the amount of {$7600.00}.

This wire transfer originated from the XXXX XXXX XXXX by order of their customer, XXXX XXXX XXXX XXXX 

When the funds were not credited to the expected account I went to the local TD Bank branch and spoke with Asst Mgr XXXX XXXX ( XXXX ). He contacted the TD wire department and was told that the funds had been rejected on XX/XX/2023 and returned to XXXX XXXX XXXX  via XXXX ( used as the clearinghouse for the funds ) As an explaination for the rejection ; The international wire transfer was not accepted because the funds were sent to my " non-transactional TD acccount. '' I had provided the SWIFT code and Fedwire ABA for wires that was asssociated and available with my TD account details ( I found no indication that I could not receive funds into this account AND this information is still associated to the account ). 

TD Bank had provided me notice of the incoming wire transfer but refuses to provide a notice of the funds being rejected. 

XXXX XXXX XXXX says they sent the money and request that I send documentation that the funds were returned. TD Bank WILL NOT provide documentation that they rejected the funds ( so I have documentation from TD of the incoming wire, but no documention of the rejection ). 

TD Bank and XXXX XXXX XXXX  both say they do not have the {$7600.00}. 

I have, and continue to try and find this money. Unfortunately the information need to track the funds is not available to me. I believe that the money is in the system, it is just a matter of finding someone who has the tools/ systems and the motivation to look.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep check of my credit score with XXXX XXXX and noticed that on XX/XX/2018, there was a hard inquiry for XXXX on my Transunion report. I have never had or attempted to have an account with XXXX so I called the XXXX number on the information page and they verified that my social security number had been used to open an account. They could not tell me anything else but told me to come to this website to dispute it. Please help with this before whomever did this ruins my credit. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] report activity XX/XX/year> and then it says the report is open and 120 days late every month XXXX : [ XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : XXXX XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : [ XXXX XXXX ] [ XXXX ] TThis account is showing twice on my credit report open and a charge off XXXX : [ Sunrise Credit Services XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : [ Sunrise Credit Services XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : Sunrise Credit Services ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX XXXX XXXXXXXX {$310.00} XXXX XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputesas previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored.

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


List : XXXX XXXX, XXXX, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which violates 15 USC 1681b. Credit Reporting Agencies have caused severe stress and anxiety due to their abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditor who posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I placed an order with XXXX for a total of {$800.00}, consisting of XXXX items. On XX/XX/year>, I returned several items from the order using a XXXX return label provided by XXXX. However, I was only refunded for XXXX of the XXXX items, while the remaining balance of {$800.00} was left unpaid. 

After contacting XXXXXXXX XXXX XXXX XXXX XXXX, I was asked to provide tracking information, which I submitted. Despite this, XXXX claimed they could not verify the return, stating that XXXX could not confirm the return. I then contacted XXXX, who informed me that XXXX handles all return investigations and advised me to follow up directly with XXXX. I did so, but XXXX failed to resolve the issue. 

As a result, the unpaid balance remained on my Capital One credit card, and interest was applied. Over time, the balance grew from {$800.00} to {$1900.00}. Capital One eventually closed my account and sold the debt to a collection agency, causing a significant drop in my credit score from XXXX to XXXX. 

I am seeking a resolution, including a full refund for the returned items and a correction to the credit reporting associated with this issue. Despite my repeated attempts to resolve this matter, XXXX, XXXX and Capital One have failed to provide a satisfactory solution.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible.The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act you have violated my rights. 
my rights. 
In the resent data breach my rights as a consumer have been violated. 

15 USC 1681 Section 602 States I have the right to privacy. 

You guy have violated this right and because so I need all negative items reporting on my credit report removed If this is not done Im will be forced to take further legal actions.
Product: Mortgage

XXXX XX/XX/2023 : Contacted HOA to inquire about a disclosure on my closing statement that says HOA dues are included the escrow account but the HOA 's official portal says I need to make the payment myself. HOA responded by inquiring with the lender if HOA is included in the mortgage payment and how they process that payment. 

XXXX XX/XX/2023 : Contacted the mortgage company copy-pasting the section that says HOA dues are included in the escrow account on my final closing statement. Company refutes saying HOA is not a part of monthly payment even though there is a section clearly saying it will go into my escrow account.
Product: Mortgage

We strongly feel that there is a conflict of interest / collusion between NVR Mortgage XXXX XXXX, NVR Builder ( XXXX XXXX ), NVR Settlement and XXXX XXXX XXXX XXXX XXXX. We paid these companies to represent us, not NVR Builder ( XXXX XXXX ) and we do n't feel that this occurred. There were numerous times that either mistakes were made or these companies did things that were not in our best interest. We strongly feel that we paid for services that we did n't receive. As a customer I felt we were held XXXX and paid fees for little to no representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$910.00} XXXX  XXXX {$300.00} XXXX  XXXX  XXXX {$1000.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX XXXX   XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$67.00} COLLECTIONS XXXX {$530.00} COLLECTIONS XXXX {$500.00} COLLECTIONS XXXX {$230.00} COLLECTIONS XXXX {$770.00} COLLECTIONS XXXX {$1100.00} MEDICAL DEBT XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

Showing I owe on accounts and some where included in a XXXX  and still showing incorrectly. 
The public records still show that our XXXX  is in our report and its been over XXXX  years! 

Also the inquiries needs deleted because 90 % of them were NOT authorized.
Product: Money transfers

I sent a WESTERN UNION transfer to a SR. ATTONEY and he said he did n't get it and WESTERN UNION said it was paid correctly and I just received the letter from them stating it. and if you want me to FAX a copy I WILL.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXX, XXXX XXXX XXXX of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my XXXX XXXX account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both TransUnion and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the Better Business Bureau as well. I spoke with XXXX XXXX XXXX on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call XXXX credit Bureau to close this account that is currently open..stating they dont report to XXXX credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well
Product: Mortgage

I am a XXXX XXXX  and my wife is XXXX. We bought our house in XXXX XXXX Kansas in XXXX with an FHA loan. We had a lot of problems because of Covid that led to loss of income and problems with our mortgage payments. We asked the lender Money Source for help but they never provided any relief and we now find ourselves in foreclosure with a court date scheduled for XX/XX/XXXX. We are back on our feet and can afford our mortgage payment, the problem is that XXXX XXXX  told us we have to pay back {$7000.00} to them in one payment ( this is missed mortgage payments and legal fees ) and we can't do this. We believe they should be working with us to provide help for struggling homeowners since this is a government backed loan instead of refusing to accept our payments and starting foreclosure. 

We had no problems with paying our bills or making the mortgage payment until Covid affected my job and my income which was overwhelming, then the utility bills skyrocketed and the power got turned off and my wife took out a car title loan and then a high interest internet loan to try and keep paying the bills. We did miss some mortgage payments, but then my wife would pay the next month and include extra to get caught up. She asked Money Source for help and we were told to send in paperwork about our hardship. She sent documents in probably 4 different times and I don't believe we were ever considered for a loan modification or partial claim or forbearance. Around that time the pipes burst in our kitchen. We were without water for almost 2 weeks. We could not afford to hire a plumber so I took time off of work to remove the dishwasher and repair the plumbing so we could get the water working again. This cost us at least a thousand dollars in missed time at work and parts to repair and just put us in a deeper hole. 

We are back on our feet financially and have continued making our regular payments and paying a bit extra when we can to catch up the past due and the lender has always accepted these payments from us as recently as XX/XX/XXXX. But when we tried to make our mortgage payment in XXXX XXXX XXXX told us that they would no longer accept our regular payment and that we needed to make a lump sum payment of {$7000.00} to pay back all of the missed mortgage payments, interest, late fees and legal fees. Then they served us with a foreclosure notice and scheduled a court date. This is an avoidable foreclosure. Our hardship was related to Covid and since we have an FHA backed loan Money Source was supposed to offer us the CARES forbearance and this did not happen. Money Source is also required as a servicer of an FHA loan to consider us for all homeowner assistance programs such as loan modification, special forbearance, partial claim and repayment plan.
Product: Debt collection

I have fallen under the FDCPA, FCRA, and Regulation V obligations that Portfolio Recovery Associates , LLC has criminally failed to adhere to. 
They took or threatened to take negative or legal action against me. 
Portfolio Recovery Associates Continues to make monthly negative reporting on my 3 Bureau reports thus poisoning my credit scores for a few years now. They have made false or misleading representations concerning the debt, and continue to attempt to collect on debt that was outside the statute of limitations and was time-barred debt without making required disclosures during their process. 
They have Violated : I. New Mexico Debt Collections Laws a. Statute of Limitations NMSA 1978 37-1-1 et seq. governs New Mexicos statute of limitations for the collection of open accounts, written contracts, and judgments entered by the Court. In New Mexico, the statute of limitations for open accounts is four years, while the statute of limitations for written contracts is six years. In New Mexico, if a creditor can provide a signed credit card agreement, the SIX YEAR statute of limitations applies. The cause of action accrues on the last item therein, which can either be the last payment made on the account or the last statement sent to the debtor. Once entered, a judgment is enforceable in New Mexico for fourteen years and can not be renewed.
Product: Debt collection

On correspondence dated XXXX XXXX, XXXX, I wrote to this company asking for Validation documents for account numbers : XXXX, XXXX, XXXX, and XXXX. More than 30 days had past and this company has not sent me any validation documents. For account # XXXX, there is an issue with the original creditor, " XXXX XXXX ''. My secondary insurance was never billed.My secondary insurance became my primary insurance for my XXXX/XXXX/XXXX and XXXX/XXXX/XXXX visits and again was not billed at all. This account has been sent to collections in error. Attached to this complaint is a copy of the bills on those dates. I know for a fact that XXXX XXXX is already out of business for more or less 2 years now, so I do not understand how this company was able to verify the information they are reporting. This is a violation of Both FCRA and FDCPA. For the other referenced accounts, I have never received any validation documents as well. Almost two months and nothing has been sent to me to prove the validity of those items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar/Mr. Cooper finances my home. During hurricane Irma I suffered extensive damages, {$130000.00} to be exact. After a year and a half of trying to get this forbearance and modification complete I was finally approved for a loan modification ... .at the same time I settled my suit against the insurance company. 

While waiting for checks to pay the house off and start the repairs I applied for a {$5000.00} loan to tarp my roof so it doesn't fall in and have further damages and was turned down ... .BECAUSE NATIONSTAR/MR. COOPER HAS RUINED MY CREDIT. I was told that there is a derogatory report from Mr. Cooper on my credit that has ruined me. All because the whole state of emergency and hurricane damages, and they told me NUMEROUS times that this WOULD NOT AFFECT MY CREDIT!!!!! I have that on paper and recordings. So me and my XXXX son are out of a house because I can not protect it as I CAN'T GET A LOAN. The settlement has been canceled and they have have the house and the {$130000.00} worth of damages. I'm done. I've been approved for a loan modification but I've been late on my payments for over a year???? How exactly does that happen? Don't you think that had I NOT made my payments on time and in full that I would NOT have been approved for a loan modification?????? Well, I was, last month, XX/XX/2019. And how do I have {$220.00} of UNAPPLIED FUNDS but I'M BEHIND ON MY MORTGAGE??????