23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hi, I applied for Capital One Venture X credit card by mid-XX/XX/2023 and I received an email on XX/XX/XXXX to upload my documents by validating my login using my SSN, when I tried logging in with my my SSN it didn't successfully validate it and I tried reaching their Customer service phone even during which my SSN validation was unsuccessful after several minutes a rep answered my phone and told me to mail the documents ( Passport copy and DL copy ) to a po box , which I did by spending almost {$20.00} for mailing cost. 

On XX/XX/XXXX, I received a confirmation email from Capital One that the document were received and they are processing it. On XX/XX/XXXX, I called Capital One customer service ( with unsuccessful try with my SSN validation over the phone ) and was able to connect with a rep to get a status that they received my documents but no processing has happened at the back-end, which she was going to escalate. 

After two weeks on XX/XX/XXXX, I called Capital One Venture X credit card customer service to check the status ( again with unsuccessful try with my SSN validation over the phone ) and after 40 mins of wait time a supervisor told me that my documents were not clear for processing, i should mail them again for processing, which really frustrated me for two reasons ; 1. Capital One did not notify me that my documents were not legible and I had to call them. 

2. I'm sure, I sent clear documents and why would they not process it. 

I told them, I can not spend another {$20.00} for mail of documents which am afraid they would again say it wasn't clear and I don't have any option to send fax so I requested that whether I could drop my documents at one of their branches, to which the supervisor said they don't process the documents in a Branch. 

This was quite wiered response and I felt that Capital One is doing a scam on Credit card application processing with consumers and they are also making the consumers liable with unnecessary credit check hit on SSN ( which they've already did on my SSN back in XX/XX/2023 ). 

Attached email confirmation from Capital One on my document upload has my application number. 

Pls contact me for further details and kindly take necessary steps to resolve this issue and save consumers from these kind of scams from Capital One credit card. 

Thanks, XXXX
Product: Checking or savings account

Unauthorized fraudulent payment of {$4200.00} made on XX/XX/year> on my Wells Fargo debit card. Fraud claim was filed the same day but the payment authorized on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct my inquires to remove from my credit report. I have had numerous identity theft, data breach and non-verified accounts. Please see attached detailed letter. This is also for incorrect payment history on my student loans. This is just a mess to my entire financial wellbeing.

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized. 
your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any suc document is immediately mailed to my address listed above so that I may review.

it. If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

ACCT:XXXX This was promised to be deleted from Credit Report not paid in full or settlement but totally deleted. Delete now. Please read notes XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the original creditor after getting a fraud alert and reviewing my credit report. The creditor told me to reach out to Transunion which I did. Transunion instructed me to send in a letter and other documentation which I did. Transunion has still not processed my request and it has been over 7 business days. The unauthorized inquiry is still showing and only with Transunion. I did not apply for anything or give anyone permission to access my credit report on the date showing it was done XX/XX/2019. According to FCRA, legally these unverified and unauthorized items must be removed!
Product: Credit card

Received credit Financial Analysis from a debt settlement inquiry and they show XXXX American express numbers with amounts and numbers that are not mine. I just took mortgage in XXXX 2016 and my credit is clear.
Product: Credit reporting or other personal consumer reports

I would like this to be remove from my credit report immediately this has ruined my credit please remove these items immediately XXXX XXXX # XXXX amout of {$270.00}. XXXX XXXX .acc # XXXX .amount of {$430.00}. XXXX. XXXX XXXX. XXXX # XXXX .amount of. {$3900.00}. XXXX XXXX/ XXXX, XXXX # XXXX .amount of {$340.00}. XXXX. XXXX XXXX XXXX XXXX .acc # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern i have some very damaging incorrectly reported information by us department of education on my credit report that has kept my score and credit worthiness down for years kept me for certain jobs and living options due to this wrong information i have tried to fix this with all credit bureaus equifax on XX/XX/22 XX/XX/22 they are reporting a account status : past due XXXX  days late on closed account they reporteding a late payment of XXXX without reporting XXXX nothing has been done to fix this problem which are violation for they are not compliant with FCRA
Product: Credit reporting or other personal consumer reports

XXXX dispute department XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Account # XXXX XXXX Dear XXXX, I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX, with the creditor XXXX. 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I believe that there may be inaccuracies in the reporting of late payments related to this account. 

I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report. 

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame. 

Please note that I am making the same dispute with Experian, and I expect a thorough investigation from both credit reporting agencies. 

Thank you for your prompt attention to this matter. 

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

My credit score was decreased from a XXXX to a XXXX on XX/XX/XXXX. It dropped 81 points with no explanation or activity. I am requesting an investigation on why my credit score dropped 81 points with no activity. Attached is the report.
Product: Credit card

I opened a Chase Slate XXXX credit card with a balance transfer offer of 0 % APR for 21 months, with a 3 % fee based on the amount transferred. When I asked to transfer a balance from an existing Chase Card ( the Chase XXXX XXXX XXXX XXXX car ), I was informed that the offer did not apply to other Chase credit cards. This limitation was not indicated anywhere on the offer or even on the card opening materials that I received. I believe this renders the offer materially false and misleading. Had I known the Chase Slate XXXX card would not help with my existing Chase card balances, I would have opened a different, non-Chase card. Although I could potentially open such a card now, I have incurred a hit to my credit score by opening the Chase Slate XXXX card based on their misleading offer. I also spent considerable valuable time filing out the card application. I ask that the company immediately honor the balance transfer offer for my existing Chase balances and that future promotional materials be amended to reflect any limitations on balance transfers from other Chase credit cards.
Product: Debt collection

I have made numerous calls to this company to no avail asking for documents to prove I owe this claim especially since I have insurance. I have never received anything in the mail to proof the claim or a chance to dispute the claim.
Product: Credit card

I have been disputing a credit card account, that does no belong me, that was reported to all credit bureaus by Wells Fargo. The credit card belongs to my cousin who has had this card for more than 15 years, and in 2007, it appeared on my credit report. He called Wells Fargo to inform them that the card belong to him and should not be on my credit report. They told him all they could do is cancel the card but it will still show on my account negatively. He still use this card today. All these years this has effected my credit, my ability to get jobs, new credit, and most importantly, I have had to make some challenging life decisions because of this neglect from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed unauthorized inquires on my report and have reached out to both the company and Credit Bureau. These inquires are fraud related and were made without my authorization. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company is furnishing inaccurate and false information on my credit report
Product: Mortgage

My Mortgage for my primary residence was previously with XXXX XXXX  and Fay Servicing took over the Servicing of my loan around XXXX XXXX XXXX 

RIght Away they did an Escrow Analysis and increased my payment from {$1600.00} a month to {$1700.00} which is an increase of {$60.00} a month. Then 18 months later they reduced my payment in XX/XX/XXXXXXXX XXXX XXXX XXXX to {$1600.00} after another escrow analysis. Which one should not have been done as my prior servicer just did one before my loan was transferred. I know they are done every year but it took Fay Servicing 18 months to do another one then they lowered my payment. I am XXXX XXXX  so my pays come in at different times of the month. I was never charged a late fee by XXXX XXXX but Fay Servicing keeps hitting me with late fees. I pay my Mortgage Monthly and always try to pay before the XXXX of each month and I pay whatever extra I can towards late fees they charge me if the Mortgage payment is not made before the XXXX of each month. However, XXXXXXXX XXXX  my prior Servicer said I should not be charged Late Fees as I live in Ohio so they do not charge me late fees yet Fay Servicing does. Also I have PMI on my loan of {$38.00} a month and I received E-mail Confirmation from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX before my loan was transferred confirming that my PMI would drop off of my loan on XX/XX/XXXX. The e-mail reads, " Per CFPB ruling Mortgage Insurance is to be removed at the origination mid-point of your loan as long as you loan is current. This Date I was e-mailed is XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Fay Servicing took over the servicing of my loan and I requested right away for the PMI to be dropped to off set the increase of {$60.00} a month and they said no even when I sent them the E-mail correspondence from my previous Servicer. Yet Your Own Agency set the ruling for PMI and I met that Requirement. It is stated in the E-Mail from XXXX XXXXXXXX XXXX XXXX XXXX XXXX Also I paid for an appraisal to have the PMI removed and my house came in at {$290000.00} and I owe well below the 80 % LTV thresh hold PMI is supposed to drop off by and they still said no.
Product: Credit reporting

Logged into AnnualCreditReport.com to get credit report. Chose Equifax. Clicked on the download PDF button. It brought up a screen that said it can not provide my credit report at this time and kicked me out of the system and would not allow me to view the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I requested Experian 's method of verification in regard to a specific collection account, XXXX XXXX, that is on my credit file to no avail. Instead, I received a form letter response. To date, Experian has not provided me with any information they utilized to determine that the information XXXX XXXX provided was accurate. Again, on or around XX/XX/XXXX, I disputed the XXXX XXXX with Experian to no avail. Experian has failed to comply with 610 ( 1681h ], clearly and accurately disclose the requested information to me.
Product: Debt collection

I received services at a XXXX facility in XXXX  XXXX, CO on XX/XX/2019. After applying for XXXX XXXX with XXXX, all of my costs were covered 100 %. I have the acceptance letter from XXXX showing a 100 % XXXX XXXX approval, as well as an email directly from the supervisor of the XXXX XXXX XXXX department showing that all debts related to this visit have been covered by XXXX XXXX and should be removed with no effect to my credit score. These documents will be attached for your convenience. 

Despite being notified of this, Americollect is still reporting a balance due of {$270.00}. This balance is incorrect and not owed whatsoever. I insist that this record is removed from all reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

This is my complain that I am a victim of identity theft and I write to dispute certain Items in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please removed the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I noticed there were 5 fraudulent charges to my credit card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} The only place I went that day was to costco for groceries and gas and went home. In the statement it said the charges were made in person in the same state, but I had my card on me so I assumed they were able to somehow clone a card. I called the bank the night the charges were posted and told them the information they needed and it was retracted while the claim was being processed. They closed that card, and provided me with a new credit card. 

Just recently the charges are back on my card and the bank is saying I am responsible for the charges because supposedly the people who used it used the chip? Which I told them was not possible at all because I've had my card on me the whole time. And they said people can't make clone cards with the chip but I was trying to tell them if that's the case, and if I had my card with me the whole time, then either someone is wrong about the people using the chip or someone was actually able to clone a card with the chip. They said they would resubmit the dispute but the tone seemed unassuring. I checked the " Dispute Tracker '' in my bank app and there is nothing under " Open Disputes '' and also nothing under " Recently-closed disputes ''.

I talked to another person and they suggested I call the places where the charges occurred to get any information that would help my case. 

I called XXXX first, and the manager told me he found it odd that I was calling because his bank had never called him about any fraud charges and he said that would be the process. I asked him if there was any information that I could get to submit to my bank and he said he legally couldn't give me any information, that my bank would have to contact his bank, then his bank would have to ask for any information that would help the case. The only thing he told me was a man and woman, which he had names for, were the ones that made the purchase and they used a card that had my information on it. That was as much information he could provide me. He asked if I knew those people and I told them I do not.

So then I wrote an email to the fraud department of why I was unable to obtain any information for the transaction, and what the manager said needed to be done for him to provide any information. In that email I asked if they had ever reached out to any of the businesses since the manager said he didn't get contacted.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I Requested a thorough investigation to verify accuracy of information being reported for the accounts XXXX and XXXX. I sent the letters certified mail asking that all information be VERIFIED to be ACCURATE. I was told that the information was VERFIED to be correct.

Both companies are reporting address on the accounts that do not belong to me