23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX my account showed that there was a transaction amount of {$700.00} at a Gas station in XXXX, the name is cared as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ''. We initially tried to make a purchase at this place, the card was declined twice initially and we left the merchant without any goods or service. Later an amount of {$700.00} surfaced on my account. No such transaction was made with that amount. I didn't even get the email alert that this amount was charged to my account. I called CapitalOne multiple times to resolve the issue and gave the signed letter explaining the events. The transaction was rebilled twice to my account and CapitalOne failed to explain why it was rebilled. Every time I call them, they're reopening the case as new. Please help me with this I've attached the statements from CapitalOne. The first statement was generated on XXXX the amount of {$700.00} was charged. After filing the dispute the amount was removed, this is reflected in XXXX - XXXX statement. The amount was rebilled back to me on XXXX. 

Also, I've attached the documents that I sent to CapitalOne explaining my account of events
Product: Mortgage

I am the deed holder on a home but was not put on the mortgage before my parents ( who were the initial mortgage holders ) passed away in XXXX. Before my mother died, we called Newrez to ask how to add my name to the mortgage and were told to write a letter with not much other detail. I am not sure if my mother did that or not. 

However, since about a month after she died ( on XXXX ) I have been trying to reach out to Newrez to pay off the mortgage. They would not speak with me, but placed hazard insurance on the house ( even though I had a hazard insurance policy on the house and sent them proof ) and added a very large escrow debt to the mortgage. They finally wrote me a letter in XXXX stating that they had, in fact, placed the insurance in error and removed their redundant policy effective XX/XX/XXXX, but the escrow has not been removed. 

Now, due to the escrow, my initial payoff amount is XXXX more than it would have otherwise been, the mortgage payment has doubled and I am accruing interest each day. No one will speak to me about this and I was initially told to upload my parents ' death certificates and the quit claim deed so that they could be authorized to speak to me, then no response. I called back a week after I submitted what they asked me for and was told I needed to re-upload XXXX of the death certificates and that I should have also been told to upload my drivers license, which, at that point, I did. 

Then I called back and was told to email loan servicing, which I did, and no response a week later. I then received a letter stating that I needed to send or fax the death certs, quit claim deed and drivers license even though I had already uploaded all of that to their portal at the instruction of customer service. 

Due to their obvious lag time and departmental lack of communication, I have no idea what information has been received. Customer service tells me that they have all of the documentation. The letter they have sent is also gives me a XXXX day time limit, which is absurd, because I've been trying to address this matter for longer than XXXX days at this point and it is their ineptitude and disorganization that is making this matter drag on. 

No one in customer service will give me a number for loan servicing ( saying they don't take calls ) and no one in loan servicing is responding to my emails. 

Please help.
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding the inaccurate reporting of a debt by Equifax, furnished by XXXX XXXX XXXX. Despite a previous dispute, Equifax continues to report inaccurate information that violates the FCRA. 

XXXX XXXX XXXX is reporting a false Opened Date of XX/XX/XXXX, which constitutes illegal re-aging. The original delinquency date with the original creditor ( XXXX XXXX XXXX exceeds 7 years, making it time-barred from credit reporting under the FCRA. 

XXXX XXXX XXXX never attempted to contact me or collect this debt prior to reporting it to the credit bureaus. I received no written communication, no demand letters, or any opportunity to validate or dispute the debt, which is a violation of the FDCPAs requirement to notify consumers within five days of the first attempt to collect a debt ( 15 U.S.C. 1692g ) Equifax sent me a letter dated XX/XX/XXXX, stating they could not locate my credit file without additional identification documents, such as a Social Security card or drivers license. 

Despite not confirming my identity, Equifax still claimed to have verified the accuracy of the XXXX XXXX account. This raises serious questions about how Equifax was able to verify the account without confirming my identity. 

XXXX XXXX XXXX has not provided proper validation of the debt, including proof of ownership or assignment, a valid chain of title, or documentation of the original delinquency date. 

Equifax failed to obtain sufficient evidence from XXXX XXXX XXXX to substantiate their reporting but continues to report this account on my credit file. 

XXXX inability to verify my identity while claiming to verify XXXX XXXXXXXX XXXX reporting demonstrates negligence and failure to comply with the FCRAs requirements for accurate and thorough investigations. 

I demand proof of how Equifax verified the Date of Last Activity and why this date has changed. 
XXXX XXXX XXXX has not provided proof of ownership of the debt or a valid chain of title from the original creditor. Equifax has failed to obtain this documentation before continuing to report the account. 

XXXX XXXX XXXX is relying on a court judgment for collection, but the judgment they provided does not list XXXX XXXX XXXX as the plaintiff or creditor. This raises serious doubts about their authority to collect and report this debt. 
I was never properly served with legal documents for the court judgment XXXX XXXX XXXX is using to justify this reporting. The public court record for an earlier case related to this debt ( XXXX XXXX XXXX ) shows a Not Found/Unserved status. Equifax failed to account for this critical information in its investigation. 

This account appeared on my credit report without any prior communication or attempt to collect from me by XXXX XXXX XXXX. Their failure to provide proper notice, validate the debt, or prove ownership, combined with XXXX failure to verify the accuracy of the information, has caused damage to my credit and financial standing.
Product: Debt collection

I called LVNV Funding about the threatening legal action letter that was sent to me.The representative was not being cooperative and i asked them to verify the debt and not to contact me again with threatening letters!
Product: Credit card

On XX/XX/year> XXXX  PDT, I called American Express ( using the number on the back of my card ) and asked 3 times to close my account. After I asked for the third time to close my account, the agent put me on hold for a few minutes, then told me the account has been closed and that it will take affect within 3 hours. 

On XX/XX/XXXX I called back and confirmed that the account had not been closed as I had requested. I asked again to have the account closed, and asked why it was not closed when I originally asked. They did not have an answer as to why the other agent had lied to me about closing my account, but they were able to close my account at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a XXXX hard inquiry via creditkarma.com I do not apply for any credit cards but noticed a hard inquiry coming from XXXX XXXX XXXX  in the inquiry details. I called the number listed and in one of the prompts it asked for my social security number. THIS WAS A RED FLAG to me. I hung up and did a reverse phone number look up and found that the number listed in the inquiry does not match any belonging to XXXX XXXXXXXX XXXX. The address listed in the inquiry also does not match any belonging to XXXXXXXX XXXX XXXX  according to their website. In fact it belongs to an individual. 

The credit bureaus have allowed a scammer to enter their information into their system which phishes personal information from consumers who trust credit bureaus.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be verified or removed Immediately. 

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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX XXXX/ Equifax 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 : 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. 16815-2 ( 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. XXXX XXXX states i have had a card since XXXX  but the XXXX Equifax reports only reflects XXXX. XXXX XXXX Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires. XXXX XXXX/ bureaus erroneously report that the account is still active illegally restarted removal timeline after settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has two credit profiles under my social security number - one under my maiden name and one under my married name. When I was trying to apply for a credit application on XX/XX/XXXX, I noticed that my credit score dropped by over 100 points. After pulling my credit report online on XX/XX/XXXX, all my credit history was missing under my married name. I tried to call Equifax ( XXXX ) numerous times and asking if the change from my maiden to married name could have caused this, and they said no, because the Social Security number is the same. Knowing that I had credit history with them and my score was a lot higher less than a year ago, I asked to file a dispute, but they said that I would have to call all my creditors and ask them to report my accounts with Equifax. 
For the XXXX of it, I pulled my credit report under the same social, but under my maiden name this time on XX/XX/XXXX. Sure enough, all my other credit history that is missing is still under my maiden name. So I called them again ( XXXX ) and spoke to XXXX over the phone. I explained to him what has happened and had him pull both of my profiles. He would not do anything for me because he said he needed to verify my identity by faxing him my Social Security card and driver 's license. I asked him why he needed those documents as they are both already under my married name. I asked to speak to his supervisor because I did not feel like I should be inconvenienced for something that is their error. I was placed on hold numerous times before he forwarded me to his supervisor 's voicemail.
Product: Credit reporting or other personal consumer reports

I am providing a follow-up complaint today to update you on my ongoing case as a victim of identity theft. In accordance with FCRA Section 605b, it is mandated that Credit Reporting Agencies expunge any items listed on an identity theft report, as in my case under reference # XXXX. Enclosed are the reattached documents intended to facilitate the removal of fraudulent inquiries currently reflected on my reports. Here is the list of inquiries that do not pertain to me or were opened without my authorization : -- -- -- -- -- -- -- -XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I am writing to you to request assistance in resolving a mortgage issue that has been ongoing and unresolved over a period of months.

I pay my mortgage ( auto-draft ) to Caliber twice monthly in two equal payments. 
These funds are used for the following month 's payment. I paid my mortgage one month in advance prior to starting the twice-monthly payments so that the two payments made in the prior month would be applied to the following month. 
When I inquired about making extra principal payments, I was told via a phone call ( customer service ) that all payments made in addition to my scheduled payments would automatically be applied to principal. 
The extra principal payments were not being applied to principal as I was told they would be. 
Later I noticed that I was being charged a late fee for each month. I was told the extra principal payments somehow confused the computer program? What does that mean? 
Upon calling Caliber, the customer service representative insisted that I was delinquent in my mortgage payments. I was not/have never been. 
I have called Caliber a number of times since then and was told that, because the extra payments were not marked as principal, they were not applied to it ( contrary to my previous conversation with Caliber ). 
On another call, I was assured by XXXX XXXX escalation department ) that I was not delinquent and this would be resolved and to call back. It was not. I called again and was told a message would be forwarded to him. 
In an effort to prevent confusion, I stopped my extra principal payments with my bank ( XXXX ) but have continued to make scheduled payments. 
I am still getting late fees applied to my mortgage... I am not late. 
I am attaching my payment history that indicates my payment, late charges and principal payments. 
Can you assist? I have not had a resolution since I started calling.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Wasn't aware of it for years, because of the pandemic. Then several years later when I was made aware, I started trying to dispute my credit, to no avail. I was recently advised that you are allowed to file charges on identity theft regardless of the time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have made many attempts with this company to inform them of the Identity Theft I have suffer with my credit report. I have mailed in forms of the theft and disputed the account with XXXX, XXXX and XXXX. I made a report with the Federal Trade Commission XXXX. This collection department has refuse to removed this collection from my account.
Product: Credit reporting or other personal consumer reports

upon checking my report on XXXX, there is a social security number of # XXXX which does not belong to me. There are also addresses, accounts and 24 inquiries which are not mines.I have notified the Credit Bureaus about this issue on several occasions. I would like to have this social security number and all associated activities removed immediately. I have sent copies of my social security card, drivers licence and FTC reports to Equifax. I have also sent over my Social Security card and ID via a link which was sent from Equifax while on the same call to verify my identification. 
The representative told me that i had to mail the documents for a 3rd time. They are not willing to assist me, Upon requesting to speak to an supervisor, I was told that was not possible until the documents are sent again.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue that I have been experiencing with Equifax, XXXX, and XXXX. D

espite filing a complaint with the Federal Trade Commission ( FTC ) regarding fraudulent activity on my credit report, these credit agencies have refused to delete and block the fraudulent activity from my report. I have worked diligently to protect my credit report by reporting the fraud to the appropriate authorities and filing a complaint with the FTC. However, I have been
met with resistance from Equifax, XXXX, and XXXX when it comes to removing the fraudulent activity from my credit report. I have provided them with ample evidence of the fraud, including police reports and other documentation, but they have not taken any action to delete or block the fraudulent information. 

This situation has caused a great deal of stress and XXXX  for me. The fraudulent activity on my credit report has impacted my ability to secure loans, credit, and even employment. It is my understanding that these credit agencies have a responsibility to accurately report credit information, and this includes removing fraudulent activity from credit reports.

I request that you investigate this matter and take the appropriate steps to ensure that Equifax, XXXX, and XXXX are held accountable for their actions. I would like for them to delete and block the fraudulent activity on my credit report, along with any negative marks that may have been associated with it. Additionally, I would like for them to provide me with a written explanation of their actions regarding my credit report.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sun loan is the company my identity was stolen the placed a debt on my credit report its been 7 years Ive tried to resolve this and they still are trying to make me pay for something I didnt do
Product: Credit card or prepaid card

XXXX XXXX Congresswoman, XXXX Physical : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Local : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX CC Number of XXXX XXXX XXXX & XXXX XXXX XXXX XXXX & XXXX Capitalone telephone Number : XXXX Origional Post XX/XX/2019 ( Dont remember exact date of email ) I have had this credit card for six years. Recently, due to a NEW security check procedure, I have been shut out of my online account viewing of my CAPITALONE Credit card. They ask for me to give them a SECURITY CODE to open my account. The code can only be sent to a text receiving telephone number in USA. My telephone number does not receive text messages. The employees at Capitalone can not solve this problem and refuse to give me the telephone numbers or email addresses to complain to anyone higher in the company. 
This is a major breakdown in customer service by this big company. I have sure there are many other customers that have been shut out of their account. Can you give me the telephone number and email address of a Consumer Affairs Office that can quickly help me. 
NEW POST XX/XX/2019 Asof XX/XX/XXXX, all three of my accounts have been blocked. On the telephone they give me no reason why they are blocked. They ask me to send a copy of my drivers license to unblock the security hold. This scan will not be enough. They will then say they need more documents like a SS card or passport. Ultimately, the close the account and move my balance to an account where they have access to the funds. This is how a gang like this operates inside a Credit Card company. This is a criminal gang operating insuide CAPITALONE CREDIT CARD. You should call the FBI to apprend these criminals! 
If they were honest, they would tell me the reason for the block. They can release the block by asking me the security questions I wrote when I opened the account 5-6 years ago. REPEAT, this is a criminal gang.They are operating inside the Capitalone Credit card company. I had {$1700.00} stole from me 5 years ago from XXXX XXXX credit card, in this manner. You and officials from XXXX  helped me get the {$1700.00} back. 
Because Capitalone Credit Card has : Blocked my online account so I cant see my account and Capitalone one has blocked the use of my credit card even though I have {$650.00} avail funds and gave me no reason why they blocked the use of my credit cartd and even though I was not in arrears or had any fraudulent condition, Capitalone violated the afgreement I had with them for all three credit cards : CC Number of XXXX XXXX XXXX & XXXX XXXX XXXX XXXX & XXXX. I therefore do not owe the balances on these credit cards. I want Capitalone to return {$670.00} paid on transaction XXXX and to send me a letter stating the balances of the three credit cards are forgiven because Capitalone violated our agreement on XX/XX/2019 when my online account was blocked and the use of my credit cards was blocked for no reason and I had credit and funds available on those accounts to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute on XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX regarding accounts Jefferson Capital System and XXXX, advising that both accounts are a result of fraud and do not belong to me. I contacted XX/XX/XXXX on XX/XX/XXXX and spoke to a representative by the name of XXXX. I inquired if a dispute had been received and confirmed that it had been mailed to XXXX. XXXX XXXX XXXX,XX/XX/XXXX XXXX. XXXX stated that no dispute had been received. I asked to be provided with a fax number to fax my dispute to, he stated that the fax was not working at this time. XX/XX/XXXX is being willfully non compliant and this is adversely affecting my credit. They have failed to respond to my written dispute according to the Fair Credit Reporting Act within the 45 day period required.