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

This is a complaint against CAPITAL ONE FINANCIAL CORPORATION for violating my federally protected consumer rights. I contacted the CFO XXXX XXXX XXXX, directly but have not received any response. 

*NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* I recently received a copy of my XXXX, XXXX, and XXXX consumer reports. I noticed that it is reporting my experience with CAPITAL ONE FINANCIAL CORPORATION. The line of credit I have with your CAPITAL ONE FINANCIAL CORPORATION. The line of credit I have with CAPITAL ONE FINANCIAL CORPORATION, which is characterized as utilization on my consumer reports, CAPITAL ONE FINANCIAL CORPORATION IS ILLEGALLY REPORTING THIS EXPERIENCE, ( utilizations ) on my consumer reports. 

XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX CAPITAL ONE FINANCIAL CORPORATION is in clear violation of the law. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer, ( ME ) and the person, ( YOU ) CAPITAL ONE FINANCIAL CORPORATION, Making the report is not included on my Consumer Report! 
Utilization is an experience with the line of credit that was extended between the consumer, ( ME ) and the person, ( YOU ) CAPITAL ONE FINANCIAL CORPORATION, the person making the report is NOT INCLUDED on my Consumer Report! CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the Consumer Reports! 

YOU HAVE VIOLATED THE FCRA 15 U.S. Code 1681a2 ( A ) ( i ), by reporting this transaction, or experience ( Utilization ) on my Consumer Reports, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below or delete all utilization from the below account : CAPITAL ONE Credit Card Account Number : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above utilization will result in legal action being taken against CAPITAL ONE FINANCIAL CORPORATION, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent, Non-Compliance. 
3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act, 15 USC 1681 for violations under willful and non-compliance. 616. 15 U.S. Code 1681n.
Product: Bank account or service

Wells Fargo, without my permission, issued a {$60.00} withdrawal to XXXX XXXX, Officer ( XXXX ) XXXX. That withdrawal caused an overdraft. I had already opened a new checking account at a different bank and had tried to close my Wells Fargo account but they would not close stating they do n't close accounts with incurred fees.
Product: Credit card

i am trying to work on my credit and i have trie dto work things out with the company but havent gotten any response back or willingness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue take care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Product: Credit card or prepaid card

I opened a care credit card IXXXX XX/XX/2020. First two payments were made at the dentist office but then covid started and the office temporarily closed. However i never received any statements, bills, notifications nor was I given any account information. I had no idea I was being billed as i never recieved anything. My card closed out due to non payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX. Date Opened XX/XX/XXXX ONLINE INFORMATION SER. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXXXXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need you to remove the following accounts from my Credit File as the earliest possible time : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Bank of America refuse providing me a information about my mortgage, this is continuation of case # XXXX, I run out space, I have XXXX more Question. 
XXXX. Before the transfer, what was the balance of ending non-interest bearing principle $ XXXX
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : ID FRAUD FAKE CREDIT CARDS STOLEN CREDIT CARD BANK ACCOUNT THEFTS XXXX XXXX RETIRED MOTHER with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX = HOME XXXX = CELLULLAR May use other ID 's such as ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began creating false credit cards at XXXX XXXX XXXX XXXX XXXX has created other false accounts in thee name of XXXX XXXX XXXX, All of thee references may be found within XXXX XXXX XXXX XXXX US CREDIT REPORTS. 



XXXX XXXX XXXX XXXX  credit report has DROPPED from XXXX to XXXX. 


I, XXXX XXXX XXXX need HELP from thee FEDERAL GOVERNMENT. 

PLEASE HELP MYSELF. 


I, XXXX XXXX XXXX was threatened by XXXX, if I reported her son 's crimes, she would KICK MYSELF OUT of her home. 

XXXX was my FATHER 's wife before he passed in XXXX. 

XXXX removed my name, XXXX XXXX XXXX from thee HOME TITLE and placed her XXXX sons names on everything she had possession of in XXXX XXXX XXXX and XXXX XXXX XXXX XXXX name. 

XXXX XXXX XXXX has already referred myself to a XXXX XXXX in XXXX. 

XXXX was thee XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was thee parent who enrolled her son XXXX XXXX XXXX in thee XXXX XXXX XXXX  of XXXX, XXXX, but not herself. 


XXXX XXXX ABUSED myself during the time period of when my FATHER began cheating on herself involving himself with other women in thee XXXX XXXX  AREA. 


I, XXXX XXXX XXXX do not need XXXX XXXX. XXXX should have kept her own son XXXX in XXXX XXXX. 

So many FEDERAL LAWS have been broken by XXXX XXXX son, it is her fault for removing him into the public atmosphere. 


XXXX XXXX XXXX XXXX Chase Bank Credit Card was stolen during thee time period of XXXX. 

By the way, same year XXXX XXXX XXXX stole XXXX XXXX XXXX XXXX Chase Bank Credit Card in XXXX. 

A credit check must be requested with all THREE BRANCHES of these agencies. 

I pray that thee XXXX  sends and submits my complaints this time. 

By thee way, if the XXXX  FAILS, my mailing address is ..... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK YOU, for your assistance. 

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

I sent the letter off on XX/XX/23. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. To remove personal information that I do not want on my credit report.According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Debt collection

XXXX XXXX XXXX which sxuppously own the debt now, buying my account to Synchrony bank for pennies of the dollars wants to charge me XXXX in the middle of this pandemic situation which Ive been affected and sent my account to a lawyer named XXXX XXXX in New York located at XXXX XXXX XXXX XXXX .XXXX  XXXX .XXXX  WI XXXX toll free XXXX XXXX XXXX/e mail XXXX .please stops this people during this hard time Dont even know at this point if this lawyer is allowed to collect in florida
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

Cornerstone Credit Services reported my unpaid medical bill to my credit report, and this is damaging my credibility. I attempted to resolve this though direct talk and through my lawyer and failed. 

I was attending XXXX XXXX for a work accident. Unfortunately, my worker comp case was controverted, and I had to hire a lawyer. Meanwhile, the provider, XXXX XXXX XXXX, send my unpaid balance to Cornerstone Credit Services for collection. 

My lawyer and I informed Cornerstone Credit Services of the situation and the company did not care. This negative reporting is hindering my financial prospects and I would like CFPB ' intervention. 

I need that collection removed from since the litigation is still pending. 

Thank you
Product: Credit reporting or other personal consumer reports

I received reviews my XXXX and XXXX accounts and a removed collection account remain. Account Services ( Debt Collector ), remains and has recently sent an itemized bill containing service received from medical provider which is a FCRA/HIPAA violation . My rights are being violated, not only since they can not verify the debt or produce a 1099c. I'd like this to be removed from my remaining credit files from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a not a duplicate complaint, this complaint is due to the new issue on my credit report. I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX these items above should be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you cease all collection activities, including phone calls, emails, and letters, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

It is my understanding that [ provide reasoning : e.g., " the debt reported by your agency is inaccurate, '' " this debt has already been paid, '' or " I do not recognize this debt '' ]. As such, I am disputing the validity of this account.

I request the following information : Proof that I owe the stated amount of {$630.00} to your agency.

Verification of the original agreement between me and the original creditor, XXXX XXXX XXXX 
If you can not provide sufficient proof of the debt 's validity, you are required to delete any adverse reporting regarding this account from my credit file immediately. Additionally, I request no further contact from your agency aside from legally required written communications regarding this matter. 

Failure to comply with this request will leave me with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state 's attorney generals office, and possibly pursue legal action. 

Please send any written correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

SunTrust Mortgage sends my mortgage statement more than 4 days past the grace period. For example ; my XXXX statement for which payment is due XXXX XXXX arrived at my home on XXXX XXXX. SunTrust mortgage has a grace period of no more than 16 days from payment due date. My statement is dated XXXX XXXX indicating the statement was generated 3 days after the grace period ended and arrived at my home 8 days after it was generated. This violates the rule stating that a mortgage servicer has to provide a borrower with a statement no more than 4 days after the grace period for the previous month has expired. My loan is a 30 year fixed mortgage which falls within the statutes of the lender statement delivery rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to remove my fraud alert and or security freeze from my credit report, please send me lock pin to my address.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act ( FCRA ). Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : A consumer contract bearing my signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Proof of an investigation and verification of the disputed information.Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the FCRA explicitly requires you to promptly delete all information that can not be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section XXXX to enforce my rights.I demand the immediate deletion of the following accounts : XXXX XXXX XXXX  account # N/A ( unverified ) XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure XXXX XXXX federal guidelines XXXX I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Keep reporting on a account that is closed. Closed date not correct.
Product: Mortgage

Good day. This has been a long and stressful situation. Due to a reduction of work hours back in XX/XX/XXXX-XX/XX/XXXX because of illness. I fell behind in with payments for my home. I then received legal papers from the loan service company XXXX XXXX based out of XXXX. I hired a law firm that also did loan modifications. We applied numerous times and every time. XXXX XXXX always came back with a denial. always claiming some paper was not delivered or the application wasn't complete. Etc They hired the law firm to start the foreclosure process in XXXX County XXXX. Supreme Court. My lawyer at the time I believe answered every motion and although the state of XXXX XXXX requires the lender to have a preliminary conference to try and settle. Here in XXXX county. We have a judge that deals with his cases in what is knowed as a " rocket -docket " and in over 95 percent of the time doesn't bother to read papers submitted by defendants and always agrees with the banks. He has been reversed a number of times on appeal. No settlement offer was made to my attorney ( he never informed me of one if in fact the lender did ) and the case has proceeded for a few years now. Fast forward to this complaint. I then went to XXXX XXXX housing center which is an approved XXXX XXXX State housing service that is contracted by XXXX XXXX to help homeowners stay in there home and works on dealing with the lenders and homeowners to get loan modifications approved. After meeting with my housing counselor. A few times. Gathering all paperwork that is required from the bank. And submitting my application again. The loan servicing company XXXX XXXX once again came up with the excuse that they didn't receive paystubs. Now please keep in mind. Paystubs is one of the most basic parts of the application and everyone knows that and especially me after dealing with this process as well as a licensed non for profit agency that paystubs gonalong with the application. XXXX XXXX housing crisis has submitted over ten thousand requests and I myself have submitted a few so that was nothing but a blatant lie by XXXX XXXX when it. Denied my application for a modification. This is what these lenders due. It's a well documented process. I have letters from my former lawyers. Letters from the non fornprofit that submitted the last application. And in reading the CFPB role and seeing how you. Have investigated other lenders who partake in these type of rule breaking games such as XXXX XXXX as well as XXXX. I'm filling a complaint and ask that you look at and investigate XXXX XXXX track record and there process. I'm willing to be interviewed and willing to turn over all papers. They have broken and violated the consumer protection boards rules on a number of issues. 1- not meeting timelines to inform applicants about any missing documents2- not acting in good. 3- violations in regards to time deadlines and other issues
Product: Mortgage

We requested to have PMI removed from our loan with PennyMac on XX/XX/XXXX. The value of our home has appreciated well beyond the 75 % percent LTV they require. They declined my original request. I submitted a second and third request in XX/XX/XXXX. In order to have PMI deleted, we had to pay a one time {$150.00} fee in XX/XX/XXXX to have a broker opinion appraisal completed. The Broker, XXXX XXXX, who was hired by PennyMac, returned an amount that was 78 % LTV amount which didn't qualify to remove our PMI. On their own documents, the lowest comparable home was {$10000.00} higher than the amount they appraised my home. I had obtained other appraisals and am now refinancing to an apprased amount that is {$55000.00} higher than the amount from the PennyMac appraisal. Pennymac purposefully valued our home lower in order to decline removing the PMI fee from our loan. I obtained multiple broker 's opinions and an appraisal to refinance and all of the appraisals/opinions were on average {$50000.00} higher than the BPO obtained by PennyMac. This is criminal behavior in attempt to keep their customers paying them monthly fees. They made every attempt to misrepresent the value of my home to continue charging me a fee for PMI.