23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am disputing Capitol One 's report regarding the delinquency of my platinum XXXX account. I request investigation because : 1 ) The terms of my credit account and debt with Capitol One are incorrect ; 2 ) Capitol One 's report as to my payment performance and conduct on the account is incorrect ; and 3 ) Capitol One 's report as to my payment relationship with that entity, especially regarding creditworthiness, is incorrect. 
This is my XXXX and only Capitol One account. This account was opened on XXXX XXXX, 2015. I set up monthly recurring auto-debit payments for the full balance of each statement on XXXX XXXX, 2015, prior to the first statement due date, XXXX XXXX, 2015. All auto-debit payments were to be transacted on the XXXX of each month. On XXXX XXXX, 2015, I received a confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015. On XXXX XXXX, 2015, I received another confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015, for the balance due on my second statement. On XXXX XXXX, 2015, I received a notice that the XXXX XXXX, 2015, payment had not been auto-debited by Capitol One. I received no similar notice regarding the XXXX XXXX, 2015, payment. However, when I called Capitol One the same day that I received the first notice ( on XXXX XXXX, 2015 ), I was then notified that the XXXX XXXX, 2015, transaction had not been auto-debited either. I paid the entire balance on the account immediately over the phone. The failure of Capitol One to successfully auto-debit XXXX statements pursuant to our agreement should not be reported as a delinquency on my part. I relied on their confirmation emails that the payments were to be transacted as scheduled on XXXX XXXX XXXX and XXXX XXXX. Capitol One failed to notify me that they had not completed these auto-debit transactions as agreed and confirmed until XXXX XXXX. Furthermore, this report is incorrect because this account is not delinquent and is paid in full. I request investigation as to Capitol One 's reporting regarding the timeliness of my payments, Capitol One 's failure to auto-debit per our agreement and to notify me of the same until XXXX XXXX, 2015, and Capitol One 's report of my overall payment history and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my credit with all 4 credit reporting agencies. 
I paid each credit reporting agency at the time of placing the freeze. 
I am in the process of moving and have to open a new bank account. 
Transunion is trying to make me pay to temporarily lift the freeze I placed. 
I should n't be punished for proactively trying to avoid being a victim of identity theft- I already paid for the privilege of attempting to protect my credit information and should not have to pay again, and again, and again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XX/XX/XXXX2 Do not recognize, may be unauthorized XXXX XXXX  6/06/22 There are multiple inquiries all within one day of each other on my credit report but I only authorized one. Please remove all of these unauthorized inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered a late payment entry on my credit report for my XXXX auto loan in the amount of {$1000.00}. The late payment occurred in XXXX XXXX and another FHB account balance still {$4500.00}, actually all of account been PAID OFF! I deeply regret this oversight and take full responsibility for the delayed payment. However, I would like to bring to your attention the fact that I had no prior knowledge of this late payment as I did not receive any communication from XXXX regarding the missed payment. 
Throughout my history with XXXX, I have maintained open lines of communication and promptly addressed any financial matters. However, in this instance, I did not receive any calls or correspondence from XXXX alerting me to the missed payment. It was only when I reviewed my credit report that I became aware of this late payment entry. 
As an XXXX XXXX XXXX member, my deployments often present challenges in managing my finances. However, I have consistently made it a priority to ensure that my payments are made on time. I find it unfortunate that I was not contacted by FHB regarding this late payment, as I would have taken immediate steps to rectify the situation had I been made aware of it. 
I kindly request your understanding and compassion in considering a goodwill adjustment to remove this late payment entry from my credit report. As a loyal customer of almost XXXX years, I have demonstrated responsible financial behavior and have consistently made timely payments on my accounts with XXXX. This isolated incident does not accurately reflect my commitment to meeting my financial obligations. 
I genuinely value the relationship I have built with XXXX XXXXXXXX XXXX and believe in the exceptional service and support provided by your esteemed institution. I trust that you will take into account my loyalty, responsible financial behavior, and the lack of communication from XXXX in evaluating my request. 
Please feel free to contact me at your convenience to discuss this matter further or to request any additional information that may be required. I can be reached at XXXX or via email at XXXX. I appreciate your time and attention to this matter and eagerly await your favorable response. 
Thank you for your understanding and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

A fraudulent charge in the amount of {$26.00} ( exitlag ) whatever that is, ( The rep would not tell me what that is ), and XXXX cents ( some " foreign fee '', see attachment ), ( That tells me it was a " foreigner '' who hacked my account ), was made on XX/XX/year> on my XXXX charge card and I knew nothing about it. I became aware only after going online to the website and seeing the charges listed XX/XX/year>. I called and spoke with a foreigner ( supposedly worked in fraud department ), and couldn't t understand her speaking for the most part.I told her I " WAS NOT '' gon na pay those charges as they are fraudulent and in XXXX consumers don't have to pay for purchases he/she did not make ... .I also told her I will be filing identity theft reports with FTC, XXXX and other entities as well. Online hackers should be found and put in prison for a long time ....
Product: Credit reporting or other personal consumer reports

This is really insulting, my right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what is being reported on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.
Product: Debt collection

I have disputed this Wells Fargo account for {$4700.00} for over 6 months now. From what I know if something is not right I have the right to dispute the information. I asked the credit bureaus to verify this account, but they keep sending some template response without enough information. The account have several reporting errors which is driving me insane. I am trying to pay off my debt so I can get a house in the next year but I do not understant how the credit bureaus allow creditors to report wrong stuff. 

This account is charged off supposedly since 2020 but is still showing past due amounts/active payments and I know that is not right. It is several inconsistencies and I need assistance with this.
Product: Money transfer, virtual currency, or money service

PayPal has put " limitations '' my account and is preventing me access to my funds without cause. 
Upon request to close my account and claim my funds they declined saying the limitations essentially lock my account. 
I was informed I did not do anything wrong and did not breach any PayPal policies. Im being penalized for no reason.
Product: Debt collection

Daily calls for more than a week. Robocalls. No voicemail. Trying to collect a debt for someone other than myself. I have called to ask to be removed from their list, calls continue. 

Company name is Transworld Systems Inc.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Payday loan, title loan, or personal loan

they have tagged on 36 months worth of late charges due to their late fee structuring, and that's not even what I'm complaining about ENERBank have switched their payment portal 3 times since I've started with them. the only thing I'm trying to do is make my payments I don't want to get marked a negative report They have already put a bad remark on my credit before. when I try to call them for support I usually wait on the phone anywhere from 20 to 45 minutes before I talk to somebody that does not know anything about my case if i'm lucky. I have attached screenshots of ENER Banks payment portal failing to let me sign in... again... I have been on the phone with support and they said they were going to address the issue but they never did.
Product: Mortgage

Currently, I have a principal retirement payment taken out monthly in addition to my usual payment plus escrow. I want change this. In the middle of the holidays, I called the mortgagor, Santander, to make a change. They blocked access based on both the last XXXX digits of my SSN, and the whole SSN. The response was that it was incorrect. I know my SSN. They do too, as my tax forms ( XXXX, XXXX ) arrive at my address with the correct SSN. After that I tried to access a person and got cut off. I have run into this before with Santander. They obstruct for some reason ant interaction with their clients. 
When I tried to set up this accelerated payment, they resisted my efforts, until I filed a complaint with CFPB. Then they complied. It appears to me that the only way to deal with this bank is through your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.
Product: Debt collection

Sent a letter however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Gateway One '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX- XXXX {$270.00} Jefferson Capital Systems- XXXX XXXX {$620.00} XXXX. Preserve at XXXX XXXX {$5100.00} Those Account does not belong to me has to be removed from my. XXXX CREDIT REPORT. Someone used my identity
Product: Credit reporting or other personal consumer reports

I am beyond frustrated with the repeated errors on my report. These mistakes are actively lowering my score and blocking me from opportunities that Ive worked hard for. Its exhausting to keep dealing with this when it should have been fixed long ago.
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am a recipient of XXXX XXXXXXXX XXXX XXXX subsidy payment and I moved out of XXXX XXXX at the end of XX/XX/2013. ( Proof enclosed ) The property manager at XXXX XXXX signed my approval to leave the premises during my recertification 2 months prior to my departure at the end of XX/XX/2013. A new contract was entered into and signed by the new apartment complex ( XXXX XXXX XXXX XXXX ) on XX/XX/2013. After signing this lease I moved into those apartments both the XXXX and XXXX and on XX/XX/2013 my payment for the subsidy was paid to XXXX XXXX XXXX XXXX. Although the property manager approved this moved two months prior, he did not inspect or sign off on the Move-Out until XX/XX/2013 in which they are trying to charge for an additional month 's rent. They took my deposit of {$400.00} and charged me ridiculously for paint ( {$200.00} ), trash left ( {$150.00} ), 5 blinds ( {$120.00} ), 1 shower rod ( {$10.00} ), spackle ( {$50.00} ), kit cleaning ( {$220.00} ), bath cleaning ( {$300.00} ), water bill ( {$31.00} ) and again prorated rent owed ( {$640.00} ). This is enclosed as well. I satisfied my obligations to XXXX XXXX, XXXX XXXX XXXX XXXX ( or else I wouldn't be eligible to still receive the subsidy payment ) and my new responsibility to XXXX XXXX XXXX. I don't believe I owe XXXX XXXX any monies, especially with them keeping my deposit. If you'll notice of all the charges brought against me, there is no mail box or door key charge because I put the keys in their hands at the end of my lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage reporting from XXXX XXXX on XXXX and TransUnion. I have never had an account with them let a lone a mortgage. I have written to both bureaus and XXXX XXXX multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under XXXX. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX