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

The accounts listed below are reporting on my file and was found in my reports with XXXX and TransUnion credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complain is about Capital One, XXXX XXXX and any other credit reporting agency which took the false information provided by Capital One, and impacted my credit report and score. 

Issue 1 : Capital One reported derogatory account information on my credit report. Capital One reported bankruptcy on my account, which has significantly impacted my credit report and score negatively. Capital One has done this in the past as well and I had to go through the hassle of getting it corrected. Now this has happened again. This is unacceptable. 

When I called Capital One to inquire about this on XX/XX/2019 at XXXX XXXX CST   and spoke to them for 17 minutes from my cellphone ( XXXX ), I had to speak to multiple people, who were unable to resolve the issue. The final person I spoke to was the manager XXXX ( XXXX ), who refused to give my his last name. The manager told me that he can not give me details or tell me what capital One reported to the credit bureaus. For any such request I will have to write a letter ( not an email, online request, or a call, but write and physically mail a letter ) to Capital one. I refuse to write and mail a physical letter to Capital one, and here are my concerns with this Capital One policy, information reported by Capital One and its impact on my credit score. 

How can Capital One report something to the agency without my knowledge and consent? 
If Capital One can so conveniently report false information, why is it so hard and inconvenient to get the proof and record of the information they reported on MY credit to the credit reporting agencies, which NEGATIVELY impacted MY credit score? 
This is America, proof of burden is on prosecutor and not the accused, so where is the proof ( as in documentation ) that I filed for BK today or anytime in past? 
Dont the credit reporting agencies have a duty to check and stop such false information on my report, especially when only one company ( which has made this false report in past ) is providing this false information, and no other bank or credit institute is report any negative items on my credit? 

Issue 2 : In addition to falsifying information on my credit report, Capital is hindering me from paying my bills on time. Since my Walmart credit card account transferred from XXXX XXXX to Capital one, I am unable to get any account information or make a payment. Its like my account does not even exist. I have tried to add that to my online portfolio multiple times, but have not been able to do so successfully. I even tried to call and make a payment, and I am not sure if that ever went through.
Product: Money transfer, virtual currency, or money service

I have my PNC bank account linked to XXXX to purchase cryptocurrencies. I have been purchasing for a couple weeks now. But now that the investment has matured and I want to collect, PNC is telling me that they " have made changes that prevent me from linking my account. '' ITS ALREADY LINKED!! I can BUY into investments, but not SELL them? What sense does that make??
Product: Credit reporting or other personal consumer reports

I sent a certified letter to Equifax, along with my SSN & DL, stating that there has been identity theft on my name from the breach with Equifax ; I informed them that I have no idea who these companies are on the hard inquiries ; and this permissible proof doesn't pertain to me because I had no reason or ties with either of the companies requesting my personal information. 
Please remove the following hard inquiries : XXXXXXXX XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XX/XX/XXXX I have no dealing whatsoever with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loans and debt that are not mine. Trying to buy a home and this is affecting my ability to do so. Please help me get this removed ASAP.
Product: Credit card

I am writing to express my frustration and deep concern regarding my Capital One credit card account which has become increasingly difficult to manage due to high interest rates and escalating fees. Despite my ongoing efforts to negotiate a solution with Capital One, I have not received an offer that is both reasonable and manageable for my financial situation. 

For the past several months, I have reached out to Capital One in an attempt to resolve this issue, requesting options that would lower the 30 % interest rate and provide a more sustainable monthly payment plan. Unfortunately, the only options presented have been short-term plans that do not address the core issue : the unreasonably high interest rate and the inability to reduce my balance in a meaningful way. 

Furthermore, I have repeatedly requested a hardship program, only to be denied any suitable options that could allow me to regain control over my finances. The current payment plans offered do not reflect the reality of my financial hardship, as they are not affordable given my current circumstances. I have also made requests for a settlement, which were similarly denied, and I was advised on XX/XX/year> that my account would be charged off at XXXX  days past due. As I am now at XXXX days past due, I find myself in a distressing situation where the balance continues to accrue interest, and I am unable to make the required payments.
Product: Credit reporting or other personal consumer reports

My credit report indicated that my personal information was exposed in the breach. Reference to 15Usc 681 under the FCRA to support. Fair Credit Reporting ACT 15 USC 1681 The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 5 USC 1681. These companies have violated my rights. 
Account name : # XXXX revolving account # XXXXXXXX XXXX installment account # XXXXXXXX XXXX Installment account # XXXX XXXX  Unsecured Loan account # XXXX, XXXXXXXX XXXX XXXX revolving account # XXXX I looked at my all three bureau credit report on Date : XXXX XXXX And noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information found the inaccurate or unverifiable information disputed by a consumer, an item of the information is found to be inaccurate.
Product: Mortgage

I had applied for loss mitigation with Freedom Mortage. I was told by Freedom Mortage on XX/XX/XXXX all documents are in waiting on a response. Again Freedom Mortgage on XX/XX/XXXX all documents are in waiting on a response XXXX weeks before my property was sold at auction. I was not made aware by Freedoom Mortage of an Impendinging foreclosure on any of these calls. The ceritfied mailing I did recieve was sent in XX/XX/XXXX. Records show nothing was signed for after that. Freedom Mortage continuse to refer to XX/XX/XXXX that my loss mitigation case was closed but according to their own records from numerous phone calls and notes on my account this is not accurate. On XX/XX/XXXX I was instucted by Freedoom Mortage to send another loss mitigation packet which I did. I am currently fighting eviction from my home which was sold at auction. Freedom Mortgage needs to recind this foreclousre instead of dishonestly giving thier customers the run around.
Product: Debt collection

I received a signature loan from XXXX XXXX in the amount of {$2600.00} in XX/XX/XXXX after paying {$200.00} a month for 18 months my Bal. Due. was STILL {$2400.00} after several attempts to resolve this balance dispute with XXXX XXXX. I decided to seek legal assistance I never heard from XXXX XXXX again, in XX/XX/XXXX I sold a house, about 8 months later I was going through the paperwork from the sale of the house and noticed a payment made to Greater California financial services Inc. for the amount of {$4300.00}, when researching the payment I found out it was for the XXXX XXXX account, when I contacted Greater California Financial Services Inc. ( here-forth known as GCFS Inc. ) and ask them to provide documentation giving them authorization to collect this Debt. ( I.E. contracts of any kind ) the Representative of this company ( XXXX XXXX ) who I believe is the owner, became very belligerent with me, talked down to me and said to me that if I had payed my bill he wouldn't have had to collect such a payment and then informed me that I still owed another {$2000.00} for interest and court cost, while never providing any contracts. I just got a letter dated XX/XX/XXXX that states my balance due now is {$2500.00} ( interest & court cost ) on a Signature Loan from XX/XX/XXXXof {$2600.00} that was paid on for 18 months ( at {$200.00} a month ) and after this company STOLE {$4300.00} from me or should I say after XXXX XXXX STOLE {$4300.00} from me he now wants another {$2500.00} after 15 YEARS there is no way this can be legal. Please help me resolve this Thank You.
Product: Debt collection

I have never had a credit card with Capital One. I contacted them about the account and they had a different name altogether. This item does not belong to me and needs to be removed from my XXXX XXXX credit report.
Product: Credit card

I have 2 capital 1 credit cards never been late on any payments at all had them close to a year each, the other day I went to use and it said that my accounts were suspended, so I called them they told me there was suspicious activity on these accounts and they closed them, I was not notified by them at all and they closed both cards, they never called, texted or emailed or no type of any alert which capital one says they always make sure they prioritize there customers, this is totally unprofessional they are responsible fir any mo ey owed on these cards they did not protect me at all as a consumer period they are liable and need to remove both cards from my credit report I used these cards to build credit and I make payments on time if there was fraud it is there fault that they let it happen without reaching out they have a choice to reissue both cards and I'll continue to make my payments as normal but if they do not want to reissue cards this is their negligence and they will be accountable
Product: Mortgage

I was able to find a buyer for my home and my XXXX mortgage with XXXX was kindly enough to approved me for a short sale, so I do not have to lose my home in a foreclosure and still be liable for a deficiency. Now PNC the holder of my XXXX mortgage is acting in bad faith, by asking and asking for more documents. XXXX is willing to give them {$5000.00} to settle at the closing of my home. Which is something very common for a XXXX mortgage to settle for a lesser amount. Because if my home goes to foreclosure more likely they will not be able to collect anything. I have been very patient and I have provided them numerous amounts of documentation even more then for my XXXX mortgage. They are holding the closing of my home by not accepting the {$5000.00} XXXX is willing to give them. PNC is making my buyer walk away from buying my home. I am requesting your help, because PNC is not acting in good faith, they are making this process unbearable. Please help me. I am an XXXX person and I already have enough problems and I will like this headache to go away.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have had a HELOC with PNC Bank for many years. Recently, I discovered that the loan minimum payment had gone up considerably, but I was never notified of the change by PNC. I continued to pay the previous minimum payment on time ( it was actually set to autopay ). By the time I finally got in touch with them and determined the issue, they had reported my loan 30 days late twice to the credit bureaus. Once the miscommunication was cleared up, I immediately paid the overdue amount and it has been paid on time since. Unfortunately, because the late notices damaged my credit score, I am now unable to refinance and receive a more competitive loan. I am very skeptical of PNC 's motivations for their lack of communication re : the payment amount change. Although they had my correct phone number, I did not receive any messages re : the situation. Even going to the PNC website showed no indication on screen that the loan had any past-due status ( I have screen shots of this ).
Product: Checking or savings account

Chase purposely holds pending transactions until account balance is low and pushes these transactions active to charge additional insufficient charges. Current account balances reflects these pending transactions. Then the next morning current account balances show a different story from account balances the night before. Deceiving business practices to charge customers multiple insufficient fees. I have several screen shots and this happens often too often. Please let me know if I need to display these screen shots.
Product: Checking or savings account

Citi Bank continue state that I am responsible for an account, i never authorized on top of them claiming that the account was verified without providing me with any proof my claim was denied after I filed a police report for identity thief. I would this matter to be investigated completely and deleted immediately.
Product: Credit reporting or other personal consumer reports

Formal Dispute under FCRA Section 605B - Identity Theft Notification To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section mandates that credit reporting agencies block and remove information resulting from identity theft when a valid identity theft report is provided.

Despite my previous correspondence on this matter, you have failed to take appropriate action within the legally required timeframe. Let me be clear : under FCRA Section 605B, you are legally obligated to block fraudulent items on my credit report once I have provided adequate documentation of the theft. My dispute letter and supporting identity theft affidavit were submitted to you on [ date of previous submission ], along with certified tracking [ insert tracking number or proof of delivery if available ]. This submission constitutes sufficient documentation under the law. 

The following accounts and inquiries on my credit report are fraudulent and should be blocked and removed without delay : 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 XXXXXX/XX/year> XXXX have included a copy of my identity theft report from [ Police Department/FTC affidavit ] and XXXX XXXX XXXX XXXX XXXX of my lawful right to invoke this process. You are required to block and remove the information in dispute within four business days after receiving this notice, per Section 605B ( b ).

Failure to comply with this legal obligation may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), and I will pursue further legal action if necessary.

I expect prompt written confirmation of the removal of these items within the next ten business days. Please respond to this letter by mailing a copy of my revised credit report reflecting the removals. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer and I noticed that I have four late payments from SELFINC/LEAD. Three 30+ day and one 60 day late. I have never been late. Cause someone reporting agencies assume a vital role in making sure my credit report is reporting accurately, and it is not. please investigate and provide proof with statements that I was late, if not I will be most gracious if someone could remove these late payments from my report or remove the closed account all together. 
Account Name XXXX SELFINC/LEAD Account number XXXX XXXX
Product: Credit reporting or other personal consumer reports

Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : Account Holder Information : - Varying levels of redaction for the account number across the three credit bureaus. 
- Difference in the length of the account number between XXXX and TransUnion. 

High Balance : - The high balance amount is different between XXXX, TransUnion, and XXXX. 

Monthly Payment : - The monthly payment amount is different between XXXX and TransUnionXXXX. 

Last Reported Date : - The last reported date is different across all three credit reports. 

Responsibility : - The responsibility status is consistent across all three credit reports. 

Past Due ( 30/60/90 Days ) : - There are differences in the number of days past due for each credit bureau, indicating potential inconsistencies in reporting. 

Remarks : - The remarks on the account are consistent but provide important details about the account 's history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX dba XXXX XXXX will not stop entering a partial payment of {$160000.00} as the last payment amount received for my four year long voluntarily closed and paid in full mortgage loan account in my credit files. XXXX has continually attempted to state I was " paying under a partial payment agreement '' when I never did during the life of the mortgage loan 's nine year history. XXXX deleted accurate last payment amount of {$170000.00} at Innovis without cause XX/XX/XXXX that an XX/XX/XXXX Report by Innovis shows as furnished by XXXX  XX/XX/XXXX, and as of XX/XX/XXXX, XXXX refuses to respond to Innovis to correct the misleading partial last payment furnished by XXXX in response to proving XXXX 's willful furnishing of the last payment accurately proven by the XX/XX/XXXX Innovis credit report and XXXX refuses to correct the mortgage file that did not credit the actual last payment amount of {$170000.00}, and continues to claim state a partial payment amount as the actual last payment received by XXXX XX/XX/XXXX is inaccurately as {$160000.00}. This amount and inaccurate comments regarding the payment are misleading in such a way as to be found adverse and allow XXXX to continue inaccurate partial information furnishing and credit reporting.
Product: Credit reporting or other personal consumer reports

I have become XXXX  over my XXXX XXXX, and this is because some of these accounts are hindering me from getting a new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters X/XX/17 to XXXX and TransUnion and disputed online with XXXX requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.
Product: Mortgage

Select portfolio servicing is my mortgage company, there phone line clearly says they have Covid relief options. But when I called the rep told me they no longer offer Covid aid but under the cares act it says diff. I was denied a deferment also. And this request was months ago. When I asked why the rep stated your not eligible for it and we dont offer this anymore this was before I got behind on my mortgage
Product: Debt collection

Trying to collect a debt over 8 years old. I had no idea of this debt. And they couldnt provide me proof of debt. They are threatening to garnish my wages and have accumulated over {$800.00} in fees. They also call me multiple times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user for a USBank credit card. They took my social security number when I was added to the account, although I'm not financially liable for the account. USBank is reporting to the three credit bureaus and this is negatively impacting my credit. I was recently declined for a credit card as a result. The only credit card I have a high balance on is this card and my denial letter stated, " The number of credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months as indicated in your credit report. The balances on your credit card accounts are high in relation to their credit limits, as reflected in your credit report. ''