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

Capital One requested why payments were returned. 
I already explained in the first letter for the following reasons : XX/XX/2023 RE : Requested wave from Late payment 30 days from Capital One account. If you explain the XXXX -day Late Payment issue, I found that a company that I didn't know in the private account of the bank had automatically XXXX {$34.00} for XXXX months. I immediately contacted the bank and stopped the Debit Card. But there was passing without knowing that Capital Payment was paid. I continued to receive a message that I couldn't pay for it in Capital One, but I thought it was the wrong message. Later, I found out that Debit Card had a capital one payment on a card that was stopped, but I knew that it was already reported to the credit-related company. I admit that I made my mistake, but I am disappointed that my credit score has gone down over XXXX points. I want to make a good credit and I will ask you to exclude the credit company.
Product: Credit reporting or other personal consumer reports

Never I take the credit cards and I have like XXXX balance for different credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute for XXXX years back with no response to or from the attorneys acknowledging it. 

In process of buying a home ( close XX/XX/23 ) and denied by nearly all lenders unless I ( myself alone, this did not effect the joint person on the account ) pay the debt up to. 

Showing up on XXXX and Equifax as two different " delinquency 's '' but also shows closed. 
This does not show up on XXXX. 

This should not be on my reports, as it does not effect my credit score but is halting me to get a loan.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

TCS is incorrectly reporting the date of delinquency and collection on my credit reports. In XX/XX/XXXX I became delinquent on my HOA fees. In XX/XX/XXXX, the house was foreclosed on and sold. In the attached documents from the attorneys representing XXXX XXXX - the HOA - you will see the date of their affidavit of fees - after the judgement was issued for this debt - date was XXXX XX/XX/XXXX. According to reporting laws - 7 years from this date would had expired making the debt noncollectable and the collection should have dropped off of my account. The problem is that TCS is currently reporting the date of delinquency as XXXX on my credit reports. Secondly ; Exhibit 1 ( again from the HOA 's  attorneys ) is the CCR 's - which ( see highlighted area page 23 ) clearly states that the foreclosure or any proceeding shal extinguish the lien of the assessments. Third ; the accounting summary in exhibit 2 shows the original delinquency as XXXX XX/XX/XXXX. The date of the original delinquency should start the collection clock. 
All of this information has been sent to the TCS on several occasions as well as sent to the credit bureaus in dispute and TCS has continued to confirm the debt. I just spoke to XXXX - a collector who called last week - he was given all of this information, as they have been for years, and he promised he'd look into it and call me back the next day. I have not heard back from him as every other time I speak with TCS collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

I do not owe any debt to this company, did not approve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, this is the second time that I had to write to the cfpb in regards to this matter that I am facing with XXXX XXXX. During the hurricane XXXX  XXXX put me on a program to help individuals with difficulty not to have late fees on their account, and they sent me a letter putting all three accounts on the program and I accept and again there is no where in the letter that mentioned if you are late that they will report it to the bureaus and if they had clarified that I would of asked for help to pay on time but since they say that I will not have any issues so I accept to be in the program. 
I called XXXX XXXX this week XXXX XXXX and spoke with a young lady that I explained to her that I am doing a va loan and it is imperative that I dont have any late payments shown in my report even though that I paid both accounts full and after those XXXX months of XX/XX/XXXX and XX/XX/XXXX my account never late or before XX/XX/XXXX never late, so please see what you can do for me please XXXX to remove those XXXX closed accounts from my file. She responded that she will call me back within an hour to investigate the account completely. Now, she did call me back and states that sir, I do show that you were on a program for the hurricane that happened in Florida in XXXX and that we can not remove the late remarks or remove the account because they have to report it so I answer her, XXXX, then why was I put in a program to get help from XXXX XXXX during these difficult times. So basically, XXXX XXXX is reporting to the public that they are helping people and yet that is not true at all, because if you read what I wrote at the beginning of my letter it clearly states that they have a program to help military individuals which I am a XXXX percent total and permanent XXXX veteran. I made sure I paid in full both accounts without ever missed a payment and XXXX XXXX dont have the decency to remove an account that I paid in full from my credit that is already closed. That is sad and ashamed especially when I am trying to put a roof over my families head, put yourself in my shoes president of the bank, workers of XXXX XXXX, ceo of XXXX XXXX put yourself in my shoes, especially when you didnt do, anything wrong. I WAS PUT IN A PROGRAM AND I NO MATTER WHAT I WAS ABLE TO REMOVE MYSELF FROM IT AND PAID IT IN FULL WITHOUT ANY LATE PAYMENTS.
Product: Credit card

I have been trying to reach the company by phone to resolve a problem with online banking. I called on XX/XX/year> 4 times and was disconnected each time. On XX/XX/year> I called 3 times and was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE CONTACTED THESE COMPANIES IN REGARDS TO RANDOM ACCOUNTS THAT APPEAR ON MY REPORT. I'VE CONTACTED THEM AND HAVEN'T HEARD ANYBODY BACK IN WELL OVER 30 DAYS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount Paid : {$610.00} Payment Date : XX/XX/XXXX I called into XXXX XXXX on XX/XX/XXXX to agree to pay to delete off my credit report. I spoke with XXXX XXXX XXXX he advised me that if I can off my account this will be removed from my credit report. I filed a dispute with Experian and the dispute came back as updated as information is correct. I called XXXX XX/XX/XXXX to get an update and what is going on with account being deleted off my credit report. Rep advised me that they do not honor the pay to delete off account. I advised that previous rep stated it will be. He transferred me over to supervisor XXXX XXXX and he advised me there is no record of previous rep adving me of that. I asked for the call to be pulled he advised that I needed to call XXXX. I advised that y'all bought the account from XXXX why would I need to talk to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've sent many letters to each COLLECTION AGENCY to remove CLOSED ACCOUNTS and to provide proof that i authorized and if they CAN provide proof to send it to me.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, XXXX and XXXX I am writing to inform you that despite my repeated attempts to resolve the matter at hand, there has been no satisfactory resolution or response from your end. I have filed reports with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), but to date, there has been no change or acknowledgment from your side. It appears that my concerns have been either ignored or disregarded. 

This ongoing lack of action is a clear violation of the Fair Credit Practices ( FCP ) and can not be tolerated any further. Please consider this letter as my final plea for help before I pursue legal action. 

Should this matter remain unresolved, I will be left with no choice but to file a lawsuit in federal court. 

I urge you to treat this matter with the seriousness it deserves. 

Sincerely, XXXX XXXX
Product: Mortgage

I filed a complaint sometime in XXXX of XXXX, Consumer Financial Protection Bureau, Complaint ID XXXX, JP Morgan/CHASE Reference XXXX XXXX XXXX JPMorgan/CHASE responded in a letter dated XX/XX/2021 that " JPMorgan Chase Bank was the Trustee for the mortgage securities trust of which the loan was a part. '' Require JPMorgan Chase Bank to identify the deed of trust instrument number it was a part of AND state the securitization date of the? i.e. promissory note, account, other. Reveal whether JPMorgan Chase Bank was managing a lien for a bond issued for a construction loan? or a consumer mortgage loan secured by real property single family dwelling? 

Require JPMorgan Chase Bank to reveal whether it held a first or second lien and on what specific asset? i.e. Real property single family dwelling, a bond or other? Provide the date the lien was filed and instrument number. 

Require JPMorgan Chase to reveal if it filed a cause of action suit of a Judicial Foreclosure of a lien for a consumer mortgage loan against XXXX XXXX XXXX, XXXX, XXXX XXXX or XXXX XXXX XXXX, XXXX? If yes, name the borrowers involved.
Product: Credit reporting or other personal consumer reports

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use.
Product: Credit reporting 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX  **** Balance Owed : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

account showing as negative, account was paid in full never late asked for update no response to date
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not reinvestigate the following items : XXXX  XXXX XXXX XXXX Dept of Education XXXX
Product: Prepaid card

Duplicate charges and holds for a single purchase of {$30.00} gas. I was charged an additional {$170.00} hold. Filed a complaint to Cash App and proved by attached letter from the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. The attached clarification presented to Cash App clearly shows the store owner does not put a hold on cards for fuel purchases. The allegations that they did it for the store owner was false and verified the store is not responsible for the hold. 
I am dealing with XXXX separate holds placed by Cash App for a single {$30.00} fuel purchase : XXXX. A {$170.00} hold, which appears to be an excessive or unauthorized hold. 
XXXX. A {$30.00} hold, corresponding to the actual amount of the fuel XXXX an additional amount of {$170.00} in addition to the {$30.00} could be seen as an unfair or deceptive practice, especially since I have proven that the store owner does not place such holds on credit cards for fuel purchases. 
Unjust XXXX : By placing multiple holds, Cash App might be benefiting from users inaccessible funds without proper authorization. 
XXXX XXXX or XXXX Practices : If Cash App systematically places excessive or duplicate holds on accounts for small transactions, it may violate consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Wells Fargo Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My problem is with Selene Finance as they continue to try and conduct an illegal foreclosure to cover up the errors made by their own agents and those at XXXX XXXX ( previous servicer ). I can document this information and am currently dealing with the legal department at XXXX XXXX in an attempt to straighten this problem out. I filed a previous CFPB complaint and Selene Finance replied to me and the CFPB with a litany of falsehoods. Selene Finance seems to think that they can lie to a government agency and that you will sweep this under the rug, but I would urge your office to look deeper. In the response to my complaint XXXX, XXXX XXXX states that my permanent modification was denied because I did not provide a quit claim deed to XXXX XXXX. This is false, the documentation was provided in the submission and XXXX acknowledged receiving it. I am formally requesting that Selene Finance produce the package and information that was used to assess and grant the trial modification and all correspondence after that point. The agents at XXXX explained that since I had provided the Quit Claim deed and the Divorce Decree that my ex-wife would not need to sign any modification documents. This is another example of Selene Finance trying to cover their tracks and peddling falsehoods to me as well as a government agency. The fact of the matter is I made all of the trial modification payments, I jumped through every hoop and provided everything that was requested but XXXX lied to me through their blatant misrepresentations. Now that Selene is servicing the loan they own not just the asset but also the liability that comes with this instrument. Their continued advancement of these lies only increase the liability for Selene and should be cause for an investigation by your agency.
The response letter from Selene confirms my initial allegation, that I had not received a deferment in the past, even though that was the reason that was repeatedly used to deny my modification request. However, even though this mistake was supposedly fixed, on XX/XX/2017 I received a phone call from XXXX XXXX who said that since I had a deferment in the past the investor would not allow me to be considered for a loan modification. This is a direct contradiction of the information that was sent to me and also the CFPB. 

Finally, Selene states that I cant be considered for a new loan modification, because they state that my income is not sufficient, and that when I submitted new financial information that the income was the same. This is yet another lie perpetrated by Selene Finance. My financial circumstances have changed and the most recent financial information that was submitted to Selene showed a substantial increase in income. Every time they respond they dig a deeper hole with the lies and misrepresentations. I want to resolve this matter.
Product: Debt collection

ICS KEPT CALLING ME FROM ( XXXX ) XXXX REGARDING # XXXX, COLLECTING FOR XXXX XXXX XXXX IN VIOLATION OF FDCPA, AND TCPA.
Product: Debt collection

This company reported a bunch of rent owed after I vacated the unit due to losing my job during XXXX in XXXX of XXXX and needing to relocate. They were notified of my vacancy and I made several attempts to provide a sublet individual to take my place in which they would not qualify those individuals based on credit. ( Its a college town ) XXXXXXXX XXXX. I moved to XXXX the same month of XX/XX/XXXX and began working a new job and renting from another apartment complex in XXXX. Not until XXXX XXXX this apartment complex in XXXX XXXX XXXX reported this debt to my credit out of nowhere.