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

After reviewing my Consumer Report, I noticed some late payments reported on my account, even though Ive always made my payments on time. Accurate reporting is important, and I want to ensure my information is correct. 

I have never missed a payment for the following account : XXXX, XXXX. I request a full review of these errors and ask that you provide proof, such as statements, showing the payments were actually late. If you can not provide this evidence, I expect these records to be corrected immediately to reflect my on-time payments, as I have always met my obligations without delay, very frustated about this.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

From XXXX, I tried to buy a condo for a primary residence that currently has a tenant contracted with the current owner. I wanted to move in as soon as possible but I was told that I can't until XXXX because the contract with the tenant will be over this XXXX. 

I have told the mortgage company about this situation since thebeginning. They approved my loan and I provided all the documents they requested and even have signed the disclosure. In addition, I have paid all the money that I needed for processing. 

My closing was supposed to be last Thursday, XXXX XXXX. I have paid for everything and I was ready for closing. But, the company said they can't process my mortgage any more and have to cancel it because I won't be able to move in 2 months. They said I will get a rent from the tenant until I move in and the home purchase can not be a primary residence but an investment. 

However, I fully informed the mortgage company of this from the start. They said there was a miscommunication becausethey had to change my mortgage processer in the middle for whatever reason. They even admitted their fault. 

However, I still got cancelled and haven't gotten any compensation for any of the financial damage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Security finance XXXX XXXXXXXX XXXX XXXX balance is XXXX incorrect information. XXXX XXXX has a XXXX balance but incorrect information. XXXX XXXXXXXX XXXX balance with incorrect informationXXXX XXXX XXXX XXXXXXXX have no ideal about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a statement by myself, XXXX XXXX in regard to an ongoing issue that I have been having with Capital One. As of XX/XX/2020, I signed up with a debt management company to help me pay off my credit card debt because I have a hardship. All of my creditors accepted the program without any issues, except for Capital One. I worked directly with my credit counselor Faith for over nine months trying to get Capital One to accept the program. The management company submitted over ten proposals to Capital One and every time Capital One would verbally tell Faith and I that send a new proposal and we will approve it, but they never did. Faith and I have called Capital One namouras times in an attempted to understand why the proposal was not getting approved even though we were told it would be. One of the supervisors we spoke with told us the reason it isnt getting approved is that my Capital One account was on an internal program ten years ago! However, I know for a fact this is just not true! I have tried for many years to have Capital One lower my interest rate and was told many times that even though I had good credit they would not lower my interest rate. So, I know for a fact that I was never on an internal program with Capital One. I proceeded to ask the supervisor to show me proof of this program. She said Capital One will pull the paperwork that I supposedly signed ten years ago for this internal program. Seven to ten days go by and Faith and I decided to call Capital One back, we spoke to another supervisor and she told us that Capital One had no record of me being on an internal program however, they still will not put me on the money management program, and she had absolutely no explanation as to why Capital One was still refusing to accept the proposal from the money management company! 
Additionally, thought out this last year regardless of Capital One not approving the program, the money management company has consistently been making my payment to Capital One on my behalf every single month! ( please see attached invoices ) So, even though Capital One has been receiving my payment they have been reporting on my credit that they are not getting paid, which is a flat-out lie! And on top of reporting nonpayment, they have also been charging me almost {$2000.00} in overage and nonpayment fees. And for the month of XXXX, they reported the payment was late a week before the actual due date. I have filled many disputes with credit agencies with no results. 
If any further evidence is needed in order to get this issue resolved please let me know because the money management company has all our calls to Capital One record, and Im sure they will be more than willing to help with this issue!
Product: Debt collection

My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account Holder XXXX XXXX XXXX  Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX Original Creditor Account XXXX XXXX Date Opened XXXX XXXX XXXX XXXX  Original Creditor Account # XXXX Date XXXX XX/XX/XXXX Account Holder XXXX XXXX XXXX Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX XXXX Original Creditor Account # XXXX Date Opened XXXX XXXX This is considered willfull damage according to 15 U.S. Code 2072 - Suits for damages a ) Persons injured ; costs ; amount in controversy Any person who shall sustain injury by reason of any knowing ( including willful ) violation of a consumer product safety rule, or any other rule or order issued by the Commission may sue any person who knowingly ( including willfully )
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, Equifax and XXXX   credit reports. Each credit report shows more than XXXX inquiries ( XXXX from XXXX, XXXX with Equifax and XXXX with XXXX  ) that I do not recall authorizing. I understand that creditors or lending institutions are not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my Equifax credit file. XXXX and XXXX is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on XXXX  or XXXX. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on XXXX  : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on Equifax : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XXXX XXXX, XXXXXXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because I was a victim of the XXXX data breach. This resulted in numerous fraudulent accounts being opened due to Identity theft, I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

The name should be listed as XXXX XXXX XXXX XXXX. 

The current address is XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Accounts listed in error : Name XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX  XXXX
Product: Checking or savings account

I have been attempting to close out my IRA account with Synchrony Bank since XX/XX/XXXX. I have been given conflicting information with regard to the distribution form required by the bank, whether it requires a guaranteed signature or none at all. I have submitted corrected forms XXXX times, the latest by USPS mail on XX/XX/XXXX. To date, I have not received any acknowledgement except to inform me that the CD is now renewed, and the new maturity date is XX/XX/XXXX. With regard to signatures. I was told ( XXXX ) just to leave it blank, ( XXXX ) get a guaranteed signature, and, ( XXXX ) just get a signature witnessed by a notary. I am uneasy about the way this bank is being run, since I have several other accounts with them, for an amount of over {$600000.00}. They give the impression that they are trying to run out the clock, though I have no corroborating evidence to that effect, only the recent bank failures that have been well publicized.
Product: Debt collection

Jefferson Capital System incorrectly sent my account to collection. I never received a notice and this debt has already been paid. The account is # XXXX, they are reporting incorrectly and this should not be on credit, I have already paid this debt.
Product: Student loan

I applied for a XXXX Loan Forgiveness program through Fedloan Servicing in XX/XX/XXXX and was told I gave the wrong school ID number. I applied in XX/XX/XXXX and was told I did not sign the application. I contacted the Student Loan Ombudsman and reapplied for the loan. I was soon told I would be awarded the Income Driven Program [ working at a XXXX XXXX XXXX ] ; however, I would have to provide my tax return so they could re-calculate my payments. I told them my husband would not help in the repayment of my loans [ he is not a signatory on any of my loans ] and they should only use my income of {$XXXX}. I was paying approximately {$1100.00} but I soon learned my payments would increase to {$2000.00} per month, making it 66 % of my income! According to the Student Loan Income-Based Repayment [ IRB ] calculator states, I should not be charged over 10 % of my income and usually is repaid in 10 years. I can not afford this. My husband is retired and is on a fixed income. Furthermore, my loan amount is approximately {$170000.00} but with 120 payments at {$2000.00}, I will end up paying more than {$61000.00} more than that amount. I do not understand how this is a " LOAN FORGIVENESS '' Program when they are charging me more than {$61000.00} more than the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, Natural Person and consumer am submitted this complaint on my own behalf. I have been a victim of Identity theft. Please review the attachment as my federally protected consumer rights have been violated.
Product: Debt collection

There are a total of two debts that were placed on my credit report XX/XX/XXXX and XX/XX/XXXX that i have no recall on. I have never taken these loans and i requested information on the debts. the first time I had ever seen or knew anything about these debts was when they appeared on my credit report dropping my score over 100 points. The second company is National credit adj XXXX XXXX XXXX XXXX XXXX, KS XXXX totaling XXXX. The debts were placed on my credit without any notice or any validation! We are a veteran family, we have saved and sacrificed for 4 years and we are finally in the loan process of buying a home and this just pops up out of nowhere. Im sure you can imagine our pain. We haven't touched our credit. We sacrificed taking any loans out or running anything through our name in order to purchase a home for our family of XXXX. As soon as we ran our credit, the next couple days these two collection accounts just appear. I would like a thorough investigation on this as it detrimental to us and is harming our family.
Product: Money transfer, virtual currency, or money service

CashApp suspended my account due an {$8.00} charge they thought was suspicious. They sent me an email about it and I responded right away. They assured me the issue would be resolved in XXXX business days. I have {$2900.00} in my account that is not disputable and there should be no reason why they withhold my money from me. I now do not have access to these funds and I need that money for bills that are now past due and I have contacted support every day only to be given the run around. 

If only {$8.00} is in dispute, and it hasent even been released, they should release my remaining money and not hold it from me, not suspend my whole account.
Product: Credit card

On XX/XX/XXXX, tried to pay my Capital One, Venture Card. Restricted File # Ref. No. XXXX, called Capital one, told I had a Bankruptcy filed! Told them I never filed Bankruptcy! 
And other Capital One card was fine, that I had paid it that day! Said they would have to wait 3 days for them to correct their mistake. 
Called XX/XX/2017 Card still restricted. Could n't give me number to call for SECURITY REASONS. Keep calling back, maybe I can get a Supervisor then!! 
Called Fraud protection number XXXX spoke to XXXX, Have to wait until cleared by Bankruptcy Dept!! Should be cleared by XX/XX/2017. 
Called XX/XX/2017 transferred to 3 different people, told this bankruptcy had been filed XX/XX/2017 XXXX XXXX Court of Indiana!! Ca n't do anything now. 
Called Corporate # XXXX spoke to Agent XXXX XXXX, told other calls made to CapitalOne were not never put thru correctly! She would put thru and have it cleared. 
Called XX/XX/2017 XXXX told them I was going to report to CFPB putting thru to Supervisor, disconnected, called back, disconnected, called back again getting Supervisor, then " sorry having company issues with system ca n't get supervisor '' call back later! 
Called XXXX XXXX Court Indiana, ca n't help since I am in Florida, would n't be filed there!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the repeated issues I have encountered with the delayed correction of my payment records and the persistent presence of charge-off accounts on my credit report. Despite my previous attempts to resolve these matters, I have faced ongoing difficulties which have not been satisfactorily addressed. I have submitted corrections for delayed payments on multiple occasions. Despite assurances from your team, these corrections have not been reflected in my credit report in a timely manner. This delay has adversely affected my credit score and my ability to obtain credit on favorable terms. There are charge-off accounts on my credit report that should have been removed following my disputes. These accounts have been erroneously reported and persistently appear despite providing the necessary documentation to prove their inaccuracy. The presence of these charge-offs has caused significant financial and emotional distress. 
Previous Correspondence and Actions Taken : Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information you report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. Please help me correct the late open and remove the charge off accounts immediately : XXXX XXXX XXXX  XXXX Balance : {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX XXXX : {$9400.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 
XXXX  XXXX XXXX XXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX XXXX XXXX : {$460.00} - XXXX requested an investigation and the removal of the charge- off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX : {$3600.00} - This particular account is undoubtedly placed as a charge- off account, make sure you tell me the reason why an {$3600.00} balance is indicated on the statement that its charge-off. The balance is truly incorrect. You have to withdraw this from my file. 
XXXX XXXX XXXX : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Vehicle loan or lease

I purchased a 2025 XXXX XXXX from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/XXXX. My finance XXXX was XXXX XXXX. I filed for insurance online and showed XXXX XXXX XXXX policy, believing it started on XX/XX/year>. However, the actual start date was XX/XX/year>. XXXX did not ensure the vehicle was insured, allowing me to drive off with an uninsured car. On XX/XX/year>, my vehicle was vandalized, and when I filed a claim with XXXX, I learned they would not cover the damage due to the policy not being effective until XX/XX/XXXX. The claim number is XXXX. I have called the office multiple times for updates, but it's been over a week, leaving me without a vehicle and unable to work. I reached XXXX, the estimator at the collision center, who estimated repairs to exceed {$5000.00}, a cost I can not afford and should not be liable for, as this should fall on XXXX XXXX XXXX XXXX. XXXX was unhelpful when I spoke with him on XX/XX/XXXX, blaming me for the situation. When I requested to speak with a higher authority, he hung up on me. This unprofessionalism and negligence have caused me significant financial hardship. I want to end my lease immediately and will not conduct further business with this dealership.