23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove : 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 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  the listed items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again.
Product: Payday loan, title loan, or personal loan

No result. They told me this was done online and there was no way to track the people who made these inquiries. I explained that did not authorize anyone to apply for anything under my social security number. I wasnt could press charges due to not having proof of the person who did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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
Product: Credit card or prepaid card

Capital One Credit Card company constantly sends me pre approval prequalification letters. When i go to apply i am being denied each tike because of violation with a previous account. So i have touched base with Capital Ones CEO office who confirmed they can not validate the account was mine and the information would be removed in 30 days. They never removed the information apparently. Then i get a call from the executive office claiming they did an internal investigation and saw an account in relation to me. I explained i supplied many FTC identity reports and police reports regarding my identity theft. they refused to supply me with investigation findings and the rep stated the information i provided him does not match the 2016 account created. I stated i was under age in 2016 and could not have possibly gotten a credit card. This accounts has never been populated on my credit reports. No inquiries ever from 2016. I have been promised to have this cleared up and they are refusing to clear it up. They have sold the account and the company they claim to have sold it to claims they could not validate the account was ever mine so they were forced to delete the account. Capital One is violating my consumer rights. They are not following up in 30 days they are not supplying me with investigation findings, they do not have my signature, my identification, my correct address, my consent. I HAVE NEVER HAD A CAPITAL ONE ACCOUNT AND NEVER PROVIDED A CAPITAL ONE STATEMENT.
Product: Credit reporting or other personal consumer reports

When I disputed the credit card information that was re-added to my account with Equifax, they supposedly did an investigation. If they did do a proper investigation, they would have found that the credit card is not in my name, and that I have never spent a dime using that card. When I disputed it a while back, I provided them with a letter from the credit card company verifying that it wasn't mine and they removed it. So, I'm not understanding why it has been added back on my credit report? 

The card belongs to my ex.
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$170.00}
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Capital One for Ignoring Financial Hardship Request and Potential Retaliation Dear Sir/Madam, I am writing to formally lodge a complaint against Capital One for their failure to acknowledge and respond appropriately to my financial hardship request. Additionally, I am concerned about potential retaliatory actions they may take, including the repossession of my property without consideration of equity.

**Details of the Complaint : ** 1. **Background : ** - I have been a customer of Capital One for 4 years - Due to unforeseen circumstances, I am currently experiencing severe financial hardship. 

XXXX. **Financial Hardship Request : ** - On XXXX XXXX, I submitted a formal letter to Capital One detailing my financial hardship and requesting assistance. 

XXXX. **Capital One 's Response : ** - Despite my detailed request and supporting documents, Capital One has either ignored my communication or provided an inadequate response. 
- There has been no meaningful attempt to negotiate or offer accommodations that reflect my current financial situation. 

XXXX. **Legal Basis : ** - Under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C . 1691, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, creditors are obligated to consider and reasonably accommodate consumers facing financial difficulties.

- Capital Ones inaction appears to be in violation of these federal consumer protection laws.

5. **Concerns of Retaliation : ** - I am increasingly concerned that Capital One may retaliate by repossessing my property.

- Such action would disregard any equity I may have built up and would exacerbate my financial distress.

**Requested Resolution : ** - I seek your assistance in ensuring that Capital One acknowledges my financial hardship request and engages in good faith negotiations to provide reasonable accommodations. 
- I request that any potential repossession actions be halted until a fair resolution is reached, taking into account my equity and current financial situation. 


*XXXX : ** 1. Capital One Customer Service Department Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

I am formally submitting a letter of complaint over the sudden increase in monthly mortgage payments and requesting a refund from LoanCare , LLC. I am also requesting that my escrow account be closed. 

New FHA rules no longer require that lenders of FHA loans must maintain an escrow account. The homeowner is permitted to maintain his escrow account at his own bank. 

For the first year, my mortgage payments were {$1200.00}. The second year, they were {$1200.00}. In XX/XX/XXXX, they shot up to {$1700.00}. That is an increase of {$520.00} per month. 

I have spoken with five customer service representatives at LoanCare, none who have been able to explain the rate increase. 

My property taxes in XX/XX/XXXX were {$3200.00}. In XX/XX/XXXX, they were {$5200.00}. Thats an increase of {$2000.00}. 

My hazard insurance has remained largely the same, as has my monthly mortgage interest. 

Dividing {$2000.00} over 12 months, my monthly mortgage should only increase by {$170.00}. 

Yet LoanCare has increased my monthly mortgage by {$520.00}! 

Heres a breakdown of what I should be paying monthly : Principal & Interest : {$790.00} PMI : {$110.00} Hazard insurance : {$100.00} City taxes : {$430.00} TOTAL : {$1400.00} Federal law gives lenders the ability to have a cushion of only two months maximum of escrow payments. In this case, my monthly escrow payment is {$660.00}. Double that and its {$1300.00} maximum per year that LoanCare can request for a cushion. 

{$1300.00} divided over 12 months is {$110.00} for the cushion per month. 

So adding the extra cushion payment would make my monthly mortgage rate {$1500.00}. 

By charging me {$1700.00}, LoanCare is violating federal law and overcharging me. 

I have already submitted a formal complaint to the XXXX XXXX XXXX, and noted that LoanCare is not accredited by the XXXX and has an F rating based on multiple complaints and unresolved disputes. 

I want a refund of my escrow, and request that LoanCare close out my escrow account. Moving forward I will only pay the principal and interest on my loan and will maintain an escrow account at my bank. 

If LoanCare refuses this request, I will refinance my mortgage with another lender.
Product: Debt collection

I am challenging CBSA to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement that I have with CBSA to prove this matter? CBSA 's failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement between CBSA and I that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. CBSA is the name on my consumer report. I want CBSA to be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? If so, Why is CBSA on the report? I demand CBSA to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). I have contacted you on multiple occasions, disputing this matter. CBSA 's failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.
Product: Debt collection

I never heard of this debt. I monitor my credit with experian and in XXXX of 2023 or so I received notification that this account was posted to my XXXX and XXXX  report. The supposed amount owed is {$1500.00} withe Bank Of America. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( TRANSUNION, XXXX, XXXX ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT.

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )
Product: Credit reporting

On XXXX/XXXX/2015, I attempted to access my credit bureau with Equifax due to an identity theft issue. Specifically, I wanted to make sure they still have a credit freeze on my bureau, and if an account had been opened in my name, I would need to dispute it. While I was able to access my bureaus with XXXX and XXXX, Equifax stated I would need to send in a copy of my driver 's license and social security card, because the information verified did not match my file. I know what I entered was accurate, and I believe they just are not willing to provide it. I 've had this problem before with them. 
Thanks for your help.
Product: Mortgage

we had a modification with citi mortgage as they were starting a foreclosure on our propertie as our home was totally gutted out by the contract buyer, we had to show proof to citi mortgage that we were fixing the house back up to where it was XXXX to repair the home, as we wanted to sell it so that we would not have a foreclosure on our credit report. Well 2 weeks before we finished the repair on our house Citi mortgage sold the loan to lending tree. XX/XX/2014 we sold the house and paid lending tree, so satisfaction of this loan was paid in full. Now we see that citi Mortgage has put a foreclosure on our credit report and I have sent all required information to the XXXX different credit report companies to show that there was never a foreclosure. I have also contacted citi Mortgage and they will not remove this from our record as they stated they sold the loan to lending tree. I 'm pretty much exhausted all my angle 's
Product: Checking or savings account

I opened a dispute for {$490.00} and {$830.00} respectively and did not receive the refund from the merchant like they promised so I opened a dispute with Discover. The company was a moving company who was supposed to move me on XX/XX/XXXX but I hired another company to move me at another time in XXXX. Discover refused to refund me even though they did not provide the service.
Product: Mortgage

-Submitted initial deferment exit request on XX/XX/21, with 19 attachments meeting application requirements. 
-Called on XX/XX/21 to inquire the status, and was informed by an agent that my application was mistakenly filed in another program ( short sale instead of deferment exit ). 
-Sent email on XX/XX/21 recapping the phone call, and asking to confirm status. Sent original email as an attachment, demonstrating my original request and how Freedom Mortgage had messed up my request. 
XXXX called Freedom Mortgage and spent more than 2 hours on the phone trying to get Freedom Mortgage to process my request under the right status. I was contacted by a supervisor by phone and email, and she assured me she was working on the issue. She admitted Freedom Mortgage made a mistake and committed to fixing it. 
XXXX Received email from the supervisor stating the issue was escalated. 
XX/XX/21 Received another letter requesting incorrect information- sent email to supervisor. 
XX/XX/21 Let supervisor know I will file a complaint.
Product: Credit card or prepaid card

On XX/XX/2022 - I submitted a payment using my Chase app to make a payment on my XXXX Chase credit card in the amount of {$2000.00}. I usually don't use my Chase App to pay I usually use my XXXX XXXX XXXX to pay all my bills. When I submitted my payment to my card it was automatically placed on hold by Chase and my card was suspended. In talking with over 6 reps from Chase on XX/XX/2022 no one could tell me why my account was on hold accept that I was on hold for financial review that could take up to 10 days and that my card would not be available to use until then. I asked for a manager and got a call back within 24 hours - the manager apologized and said that the account was on hold because the payment came from an unknown bank. Which is when I realized that I made a mistake and paid thru the wrong app. I told the manager that but she said the payment went thru and everything was fine. I used my credit card again and everything was good then it declined again. Come to find out that payment didn't go thru and with no word from Chase they closed my account because of one mistake with a payment which I have been trying to resolve. I have had this account for years and have an excellent track record with payments, paying off the card and not going over the limit. This is completely unfair and the only reason why I use this card is because of our recent trip plans to XXXX. I even increased the XXXX premier level to earn more in rewards and XXXX dollars as this is a surprise trip for my moms birthday. So I have been using this card as my primary card to build points for XXXX. Also I am in the middle of buying a home so to close my account as closed will ruin my credit history as which is totally unfair as again I have had no prior history of credit issues with Chase - heck they even raised my credit limit last year or the year before. A company wouldn't do that if they were concerned with the consumer and especially with a consumer whom doesn't pay. I want my card reopened with Chase.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report. I discovered 10 inquiries that i don't recognize. They are on there without me initiating them. The inquiries are " 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As you can see for the most part they were opened in the same amount of time in some sort of spam.
Product: Debt collection

On my XXXX  credit report, XXXX Texas XXXX XXXX XXXX Texas, which I have no knowledge of, reported an amount with the Credit Reporting Agency XXXX that I owe XXXXthe name listed as the original creditor as XXXX  Texas XXXX XXXX and Elevate Recoveries as the debt collector. I have no contract, agreement, spoken, nor spoken verbal agreement with this entity listed as Elevate Recoveries LLC. I spoke with XXXX from XXXX Fraudulent department advising I have no account or business with this entity. He, XXXX, submitted the dispute as I advised this is fraudulent and that this business is closed. I researched the business and it is not in operation. Elevate Recoveries LLC has been sued constantly and lost cases for fraudulently creating false claims of debts owed. Per the XXXX website, each case they lost.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it is necessary to expunge any inaccuracies from my credit report. I urge you to review the documents promptly and remove the listed erroneous accounts accordingly.
Product: Debt collection

Sent a letter requesting original documentation with original signature for the alleged item. It's been 90 days, have not received any documentation. If the original documentation can not be provided- Please remove alleged item.
Product: Debt collection

This account was opened in 2015. This account is still inaccurate and I want it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is showing as a charge off/collection. This account was included in my XXXX XXXX bankruptcy filed in XX/XX/2021. I have had nothing but problems with this account and attempted to fix. The company continues to willfully report false information despite being notified by my XXXX of XXXX XXXX This is a violation of FCRA laws. 

Account information is not accurate