23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to respectfully request the removal of my Capital One account from my credit report with the three major credit bureausXXXX XXXX XXXX XXXX. This request is based on severe medical circumstances that significantly hindered my ability to fulfill my financial obligations, and I ask for your understanding and consideration. 

In XX/XX/XXXX, I XXXX XXXX XXXX XXXXXXXX, which greatly impacted XXXX XXXX. This XXXX was followed by receiving XXXX XXXX XXXX in XX/XX/XXXX, which triggered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, including financial management. 

On XX/XX/XXXX, I was involved in a XXXX XXXX that led to XXXX XXXX XXXX XXXX XXXX XXXX. This XXXX resulted in a XXXX XXXXXXXX XXXX that left XXXX XXXX XXXX XXXX XXXX. Following XXXX XXXX, I was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to handle my finances effectively. 

As a result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which directly impacted my ability to pay my bills, including my Capital One account. This led to a this collection. Prior to this incident, I had always paid my balance in full and on time. The missed payments was a consequence of XXXX XXXX XXXX XXXX, and not a reflection of my usual financial responsibility. 

Additionally, XXXX XXXX XXXX was recognized as a national disaster, and I was directly affected by its consequences. 

In light of these extraordinary circumstances, I am respectfully requesting that Capital One remove my account entirely from my credit report as a goodwill adjustment. This negative mark has created significant barriers, particularly in applying for personal loans, as I work to rebuild my financial health and stability. 

I have attached documentation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the current dates. 

Thank you for your time, understanding, and consideration. I look forward to your favorable response. 

Sincerely, XXXX XXXX Capital One Account # : XXXX SSN : XXXX
Product: Debt collection

I am filing complaint because I am disputing that the information is not accurate on my credit report against Transunion.
Product: Mortgage

I have been under contract to sell my home for almost XXXX  months. The buyer was using Cornerstone First Mortgage for their loan. At XXXX, the night before we were under contract to close at XXXX the next morning, the mortgage company requested a foundation, plumbing, and roofing inspection. All three inspection reports had been available for over a month, but they waited until less that XXXX hours before closing to request that information. I agreed to extend the closing another week, even though it was a huge mistake on their part. We received nothing from them, no returned calls, no documents, nothing... They wouldn't return phone calls, texts, or emails until after XXXX the day of closing to say that underwriting was still reviewing and requested it be extended another week. Now we are at the day before closing the 2nd extension and still nothing from them. They ignore repeated attempts to contact them by phone, email, or text. This incompetent mortgage company has now put me out of contract for the home I was set to buy. They have greatly impacted my personal and professional life by repeatedly extending and not responding and they have cost me hundreds of dollars for movers and storage facility fees. The title company has stated that they have never seen such unprofessionalism before.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX, TransUnion and XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and ALL consent to XXXX, XXXX and TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third partyunless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX and TransUnion never informed me of my right to exercise my nondisclosure option. Not only that XXXX5 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TransUnion XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have already opted out of reporting services and have put a freeze on all of my accounts. XXXX XXXX XXXX. Without Recourse. Without Prejudice. All Rights Reserved.
Product: Debt collection

I have unknown addressses on my credit report and NCA ( XXXX XXXX ), has appeared without my consent. Section 604 15 USC 1681 B states credit reporting agencies dont have the right to report without my written consent.

I received a copy of my credit report, and to my surprise they are reporting this account incorrectly. This collection account is being reported not only as OPEN, but also shows a pst due balance. 

Section 605 A 15 USC 1681 c-1 states without my consent, that is identity theft.
Product: Credit reporting or other personal consumer reports

I'm contacting you all in regards of an inaccurate account that is being reported to my credit report. 

Account Name : XXXX Account number : XXXX After numerous attempts Experian failed to verify this account and correct it. 

Under the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports. 

The inaccurate reporting is causing me to have major issues to obtain credit and the creditor and CRA is not following XXXX XXXX guidelines. 

I've attached the results of the latest dispute, dispute ID, and dispute letter I sent in. The inaccurate dates and balances are on the Identity IQ document. The dates are suppose to match under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted XXXX XXXX again and the CFPB. XXXX XXXX claims that it is not showing up in their system and closed the case, yet I still see the hard credit inquiry on my report. I am planning on shopping for a home soon and it is important that this be corrected.
Product: Mortgage

I closed on a land loan through the XXXX ( XXXX ) in XXXX. They have contracted through Dovenmuehle Mortgage Inc. for loan servicing. To say that Dovenmuehle Mortgage Inc. is inept would be giving them too much credit. To date I have been unable to access my account through their website XXXX.com and repeated attempts ( over 30 phone calls and representatives ) have been unable to provide any resolution. I have already exhausted every level of their Tier support system and have had over 10 phone calls either disconnected or outright hung up on me. I sense there is some type of fraud being conducted because they refuse to give me access to my loan balance, escrow and payment information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore this is also a violation of the Privacy Act of 1974. I, the consumer have informed the credit agencies and the creditor that per the FCRA as a federally protected consumer I am opting out of any and all authorization i the consumer may haven given them written, non written, verbal and non verbal per 15 U.S.C. Section 6802 and 16 C.F.R. 313.7 ( f ). The creditor has failed to respond to my request for validation, notice of billing error, to provide an application and promissory note, to provide me with full accounting and to answer if this account is a loan. According to XXXX XXXX XXXX this alleged collection is not the result of a credit transaction and should not be on I, the consumers consumer report. Also it should be noted that I, the consumers identity was stolen and used to create credit unknown to me the consumer and this creditor has refused to provide me the consumer any information about the transaction. It is my opinion that XXXX XXXXt is a rush to judgement into a default judgement which is against the law and it is also a violation of Constitutional due process. Who received the loan? Why is the terms 0 months? And what was the original loan amount that was received because I the consumer didnt receive any funds from the transaction. Without this creditor providing me, the consumer valid and relevant information I, the consumer have no other ways to understand what, who and why this alleged debt exists. This creditor and the credit agencies have damaged my reputation with the banking industry thus hurting my ability to get good interest rates and be approved for credit. This is not full transparency. Please investigate this issue post haste so I can collect more information to file a police report etc. and remove this inaccurate and false information from my consumer report. I would also like the method of verification used to verify this alleged debt and I want the original wet ink signature contract showing my, the consumer signature on it that is supposed to be on file. Be advised that per 15 U.S.C. Section 1681 ( n ) the alleged creditor and the credit agencies that it is {$1000.00} per violation. Respectfully.
Product: Checking or savings account

On XX/XX/year>, I went into the XXXX, Florida Chase Branch as a long time customer and made a very large deposit which they instructed me would be ready on XXXXXX/XX/year>. In the meantime, I have written proof sent to Chase ( my deposit bank ) from XXXX  XXXX XXXX that shows the check deposit was cleared- the deposit to be valid and funds were available on XX/XX/year>. We are now 10 days later and Chase has still not approved my deposit but they have earned thousands of dollars in interest which they should not be entitled to. Meanwhile, because of the frozen deposit, I am in jeopardy of being late pay bills on many accounts. Chase should be held accountable to pay the interest lost and any fees or late charges from bills that are unable to be paid while they freeze the deposit. 

They will try and state CC regulation but that should not apply since we gave them a copy from the XXXX  XXXX XXXX which shows they cleared for deposit on XX/XX/year>. Even with this Chase is playing games to hold the deposit and earn interest which they have stolen.
Product: Credit reporting or other personal consumer reports

Formal Request for Immediate Validation or Removal of Disputed Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) I am writing to formally dispute and demand immediate validation of the XXXX XXXX  account ( Original Creditor : XXXX XXXX XXXX XXXX ) listed on my credit report. The account details are as follows : Account Number : XXXX Account Type : Collection Balance : {$2900.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Account Status : XXXX I dispute the validity of this account as it does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to ensure the accuracy of all information you report. Additionally, the FCRA mandates that any information found to be inaccurate or unverifiable must be promptly deleted from my file. 

Furthermore, I request validation of the following : Original documentation proving that I authorized the opening of this account. 
Detailed records showing any and all payments or transactions related to this account. 
Verification from the original creditor ( XXXX XXXX XXXX XXXX ) that I am liable for this debt. 
Failure to provide this validation or a timely removal of this account is a violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, which prohibits the collection of debts without proper validation. Reporting unverified or inaccurate information also violates 15 U.S.C. 1681s-2 ( b ), which prohibits the continued reporting of inaccurate or unverifiable information after a dispute has been raised. 

Furthermore, the use of collection accounts is illegal if proper validation is not provided or if the debt is misreported. If you can not verify the validity of this account, I demand its immediate removal from my credit file, as is my right under the FCRA and FDCPA. 

Please provide a written response confirming the outcome of your investigation within the 30 days required by law. If this account is not removed or validated, I will be forced to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX
Product: Debt collection

I didnt know about this debt or anything. I tried to find out and was rude to and hung up on. I want this off my credit.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WHIT THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX  XXXX. ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTIONS 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX credit card account now three times and was told that the information was accurate, however, this account is a fraud. I do not know what XXXX is and what was bought on this account and when. I disputed the accounts with the credit card company in XX/XX/XXXX as well as XX/XX/XXXX after I was told they believed it was accurate because it was being paid off. I even attempted to ask for the contact information on the address and they would also not give me that. I then went to dispute the account through Experian, XXXX, and XXXX  and XXXX in XX/XX/XXXX and they provided the bureaus with the same information stating that since the account has been open since XXXX and being paid that they will not follow through with the dispute. Again, I did not and never opened an account with them. They send me emails about the account and I can not even open to see information on the account because I do not have access to whatever email and password are on the account. The only reason they started sending me emails and paper mail is because I gave them my actual email and address when I filed the complaint the first time.
Product: Credit reporting

I made a payment of XXXX to XXXX on XX/XX/2015 and Equifax says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report
Product: Debt collection

Received a phone call and a letter from Aldous & associates b. I answered the phone in regards to why they were calling I gave them only my first name.. they read me the mini XXXX, but then proceeded to Tell me what the debt was without verifying any information as my last name the last XXXX of my social or my address. I received a letter today, XXXX XXXX I called and once again told them my first name, and they did not verify any further information without disclosing the debt. This alleged debt is with crunch fitness a membership that I canceled last year in XXXX I went into the fitness club spoke to one of the representatives and was told to send an email to cancel which I did.. my complaint is the fact that they did not verify any information regarding who they were speaking with according to FDCPA laws..
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an authorized user account closed in XX/XX/2019. XX/XX/2019 I had the same account on my Equifax report but it was missing information. The following month more information came off the same account. I paid off everything I used on this account in full every month for one year. The account was with XXXX XXXX. It now it completely blank. That positive account was removed from my credit file with Equifax but is still listed as a positive account with XXXX & XXXX. I want this account re inserted on my credit file with Equifax. My Equifax score is drastically lower than the other two bureaus.
Product: Credit reporting or other personal consumer reports

I submitted a notarized report to 3 three credit reporting businesses ( Transunion, XXXX, XXXX ) in XX/XX/2023 stating I have inaccurate and old information they are reporting. The credit agencies i contacted never responded and is still reporting inaccurate address and employer information. 


My address is inaccurate and is being reported several variations. 
I have ( XXXX ) correct address XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX Previous employers are inaccurate and being reported I DO NOT work at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I identified a late payment that does not belong to me. Specifically, the account with XXXX XXXX, reported under account number XXXX, shows a " 60 days late '' payment status on TransUnion and XXXX for the month of [ XX/XX/year> ]. However, my payment history reflects that all payments were made on time, as indicated in the attached detailed records from IdentityIQ, showing a " current '' status with no past due amounts for the same period. 

This appears to be an error or misreporting by the creditor or the credit bureau. I have already reached out to the creditor to address this issue but have not received a resolution. This inaccurate late payment is affecting my XXXX XXXX and could potentially impact future financial decisions. 

I am requesting a correction to my credit report to accurately reflect the payment status as " current '' and remove the erroneous late payment notation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed XXXX {$440.00} XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX I had a bill for internet service settled before I moved out of my apartment. I dropped off the modem and went to the XXXX XXXX XXXX XXXX store and asked working employees if I needed to clear anything else and they said no everything was taken care of. This included any charges and anything else. 

Three years later in XX/XX/XXXX XXXX XXXX and hunter warfield who are two different debt collection agencies are asking me to pay different amounts. XXXX XXXX threatened that if I didnt pay within 40 days they could attack my credit. 

I called XXXX when I received the email from XXXX XXXX and they told me I owed money. I told them I was already disputing the amount I owed with XXXX XXXX XXXX said they were going to dispute it also but they said they would call back in three business days and they did not. They didnt have me on file for any charges and said it was waved but it showed I still owed money but couldnt find out what the charges were for and werent clear because everything was cleared? 

I am not sure how I have debt with XXXX Hunter Warfield and XXXX XXXX all at the same time for different amounts for something i never owed money on to begin with and am afraid that my credit will be attacked. 

Please help me.