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

I reached out to Capital One In XX/XX/2023 to discuss hardship options. I advised them of my inability to pay. Capital One offered s Hardship APR reduction plan, under the false pretense they they were helping get the card current. I have been making the payments as agreed under the Hardship since XXXX until present. {$69.00} each month as been paid as agreed. This reduction would have kept the account current for 9 months XXXX payments. I noticed Capital Has started reporting this account past due and late for the past 90 days. This isn't what the representative told me when i set up the Hardship Payment Plan. Even Thought I am making the payments as agree they are still reporting me " LATE '' and PAST DUE. My credit has been crushed.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Is standing by the reverification of XXXX XXXX XXXX derogatory and XXXX XXXX XXXX, SC Inquiries removed. Thanks. 

Clearly 15 USC 1681 sec 602,604,611 continues in regards to privacy and/or inaccuracy. 

EQUIFAX XXXX  # XXXX, XXXX, XXXX last submitted XX/XX/XXXX made request to remove inquiries. Also to address XXXX XXXX XXXX that continues to remain on report c/o XXXX XXXX. 

Out of state support of fraudulence is 18 USC 1030 : app related fees and fines since XXXX. 
Most of the inquiries are NOT even active accounts, just phishing and 15 USC 1681 violations
Product: Mortgage

I am writing for your help in the below matter that has now gone unresolved by Chase Mortgage for over 3 months.I have now contacted the Chase customerservice departmenta totalof25 times ; 16 times via your online Secure Message center and 5 phone calls and 2 emails to your customer service team. 
I have made a total of {$22000.00} in mortgage payments of which only {$11000.00} has been credited to my Chase Mortgage account. 

Supporting Information and Attached Documents - {$7300.00} made to XXXX XXXX on XX/XX/XXXX - see attached letter {$3600.00} made to Chase on XX/XX/XXXX Loan Transferred from XXXX XXXX to Chase on XX/XX/XXXX XX/XX/XXXX -XXXX and XXXX Payments Made to XXXX {$7300.00} ( See Letter from XXXX Dated XX/XX/XXXX confirming thereceipt and posting of this payment )  and a second confirmation letter requested from XXXX again confirming my account current XX/XX/XXXX - XXXX Payment Made to Chase {$3600.00} XX/XX/XXXX - Payment Made to Chase pending Research {$11000.00} Total XXXX XXXX Payments Made = {$22000.00} Summary of phone calls and emails to the Chase customer service center. 
XXXX XXXX on XXXX XXXX XXXX - explainedpayments made XXXX  Chase on XX/XX/XXXX - they said may take 72 hours XXXXXXXX  Chase on XX/XX/XXXX - they said they are confused- checkingwith research division - requested I send the copies of the statements showing payments made I faxed the docs on XX/XX/XXXX via Branch and vonage fax To Subject Sent Size Categories XXXX Chase Mortgage Acct XXXX - Reference # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX - stated that they are still investigating - I stated my concern over late fees and credit reporting - he said the firstnote in their system is XX/XX/XXXX - I stated that I have called since XXXX. 
XXXX XXXX on XXXX XXXX XXXX EscalationManager- explainedsituation again - she mentioned I spoke to the Executive Office? - she said two paymentsin the Chase system - sent to Research team for validation {$7300.00} paid to XXXX XXXX and XX/XX/XXXX Research Division Reference # XXXX Fax XXXX XXXX XXXX - see below email sent at the request of XXXX XXXX XXXX Escalation Manager
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX ****, has violated my rights. 

Hard inquires 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 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 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 and 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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

On XXXX XXXX, XXXX XXXX XXXX Bank had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from XXXX, Experian and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$160.00} XXXX XXXX Balance : {$2900.00} IXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, The XXXX  At 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  and XXXX has violated my rights.

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

15 U.C.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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus failed to resolve consumer disputes, not ensuring accuracy of credit reports.
Product: Debt collection

Midland Credit and their attorney purchased a closed account from XXXX XXXX and parked it on my credit reports and reporting inaccurate status as opened and current as of 2019. When disputing it with bureaus they refuse to change their status. I also sent them a letter of judgement proof because I am only receiving social security XXXX and they have initiated a small claims court case. Also they have been collecting credit reports without my permission.
Product: Credit card

I requested a credit from Venmo visa for XXXX dollars I have not gotten a call or provisional credit or any assistance
Product: Mortgage

I have a house mortgage with Arvest Central Mortgage. I have my escrow account with them as well. Now last year my house loan was sold by previous lender to Arvest Central Mortgage along with the escrow account. Now I would like to remove the escrow, so I reached out to Arvest and they are saying that I'll have to pay 0.25 % fees of outstanding principal amount. Which is very unusual, unfair, and not standard practice. Usually if the home owner has put 20 % down payment then usually I have never seen another bank/lender asking any fees for removing a escrow. Also, my previous lender told me that when you remove escrow you will not be charged any fees with this new Arvest Mortgage lender.
Product: Debt collection

From : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To : CREDIT CONTROL CORP XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX Dear Debt Collector, RE Letter sent from XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$200.00} Be advised this is not agreeing to this debt. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 



Please attach all the requested documents. 
Agreement with you and XXXX XXXX the authority to collect this alleged debt. 

Signed agreement Debtor has made with Debt Collector. Must be verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 

All statements while this account was open. 
Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Experian has been notified via XXXX and certified mail, that they are reporting an unverified account on my credit report. My last CFPB complaint XXXX was in XX/XX/year>, where they sent a generic response and failed to conduct a thorough investigation. The account is XXXX. XXXX and XXXX have deleted this account. I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report this account. I have also attached an invoice for the many violations of your company. Payment is to be remitted to the address listed on the invoice along with the removal of this account XXXX XXXX XXXX.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against First Capital Group also known as XXXX XXXX XXXX XXXX XXXX, hereafter referred to as " Collector '' a alleged debt collection agency that has been engaging in unauthorized debt collection activities and furnishing data to credit reporting agencies without proper authorization. This agency is not registered with the Illinois Department of Financial and Professional Regulation ( IDFPR ) to collect debts within the state of Illinois. 

As the Consumer, I have been adversely affected by the actions of the Collector. Despite their lack of registration with the IDFPR, they have persisted in their attempts to collect debts from me, including the unauthorized furnishing of data to credit reporting agencies, which has had a detrimental impact on my consumer credit file. 

I demand immediate cessation of all debt collection attempts by the Collector, including but not limited to furnishing data to credit reporting agencies regarding my consumer credit file. Failure to comply with this demand will result in legal action being pursued to the full extent of the law. 

This complaint should be considered a formal notice of my intent to sue the Collector and the credit reporting agencies who continue to furnish inaccurate data for violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I urge your office to investigate this matter promptly and take appropriate enforcement actions against all parties involved. 

Please feel free to contact me if any further information is required regarding this complaint. I appreciate your attention to this matter and look forward to a swift resolution.
Product: Credit reporting

Credit Reporting Agencies TransUnion is reporting a bankruptcy incorrectly. I have disputed it 3 times and they confimed that they verifed the information through the consumer. So I contacted the consumer which is the XXXX XXXX Clerk of Court and they indicated that they do NOT supply credit bureaus any information nor do they have any procedures for verifying information with the credit bureaus. I have attached a copy of the letter from the Clerk of Court below.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX 2 months ago requesting that the following account be removed from my credit report due to incorrect reporting. Per my dispute letter sent XX/XX/XXXX, under 15 U.S. Code 1681b Permissible purposes of consumer reports, I XXXX XXXX, never gave you any written consent to report anything on my consumer report. I also sent a letter dated XX/XX/XXXX informing you that the account is reporting inaccurately. You are furnishing different dates for the open date, date last updated, and different high balances. I am fully aware that this is a violation of the FCRA, and I am liable for monetary compensation. I am requesting that the account XXXX is removed from my credit report immediately. Please see the attached dispute letter that is dated, and time stamped for your reference. Failure to address this matter promptly will leave me with no choice but to pursue legal action, filing a statement of claim against XXXX XXXX for clear and apparent negligence, FCRA violations, and the mental anguish caused by the serious financial problems and distress resulting from these inaccuracies.
Product: Credit card or prepaid card

Date : XX/XX/2018 Minimum amount due : {$49.00} Date of attempted payment processing : XX/XX/2018 XXXX PST ( XXXX CT ) Hello There, I'm writing to file a complaint about XXXX XXXX XXXX   `` Cardmember Services ''. Today at XXXX PST I attempted to process my minimum amount due of {$49.00} and XXXX XXXX XXXX refused to process my payment on today 's date of XX/XX/2018. 

Alternatively they decided to process my minimum payment for tomorrow 's date of XX/XX/2018, which of course -- incurs a late fee. Tucked neatly away into XXXX 's literature the consumer is expected to make a payment before XXXX Kansas time on the date of their minimum due. 

I find this business practice to be unethical, misleading, and opportunistic. The whole of Western Civilization has decided that 'a day ' is over after midnight. I find it fascinating that XXXX reserves the right to decide when the day is over. Most people in Arizona aren't even off of work by the time XXXX decides to cut off receiving payments. 

Naturally, Cardmember Services ( XXXX ) knows this business practice will ultimately yield more profit at the expense of the consumer given the inconvenience it causes. 

I'd like to hear back from somebody explaining to me why this sort predatory rule is allowed to exist in a financial institutions literature.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving innacurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where they have neither corrected, nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actionto remove disputed accounts, as their inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XXXX the XXXX a transaction debting the business bank account posted in the amount of {$890.00}. A transfer via XXXX was requested on XX/XX/XXXX to cover the negative balance. Truist as of XX/XX/XXXX, the deposit in the amount of {$850.00} had not been posted ( recognized ). 

When I contacted the bank, I was told the payment was on hold. There was no notifications stating the deposit via XXXX would be held for any number of days. The result of the deposit not be recognized caused fees - insufficient funds fees. 

The bank method of posting debits and credits ( hierarchy of postings ) are similar to the way XXXX  XXXX XXXX posted debits in order to maximize bank profits by posting debits and holding the credits in order to result in insufficient funds fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX 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