23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I logged into my account like I always do for the last 10-15 years I had these accounts opened except this time all my accounts were force closed by Capital One for reasons they can not give me other than that they wanted to end the banking relationship. I suspect that the closure was due to the fact that I sold a lot of investments and transferred my money from my XXXX accounts into my capital one accounts in readiness to buy a house in XXXX. 

Whatever the reason may be, I am not concerned that they want to close my accounts since there are plenty of banks that would love to have my business. What my complaint today is on how they handle the matters on hand. I had over $ 117K in their which part of it, they just cut a check and sent it out regular mail. I am very concerned that the check will be lost in the mail, and I would have to deal with having to recoup that money. I asked them to stop pay so I can stop by a branch to pickup my money and they refuse to do so. Unfortunately my payroll direct deposit also was supposed to hit the day they closed my accounts, now causing my pay to sit in limbo. They claimed they didn't receive it even though the direct deposits have been posting to my account every XXXX of every month for years and my company has not received a reject either. Capital One really lacks customer service. They need to be held accountable for causing hardships and headaches for their customers
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Transworld Systems , Inc. 
XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account Number : XXXX Original Creditor : Transworld Systems , Inc .

To Whom It May Concern, I am writing to dispute the continued reporting of the above-referenced account on my credit reports. This letter serves as a formal notice that I hereby revoke any and all consent given under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) for Transworld Systems, Inc. , to report my information to consumer reporting agencies.

Additionally, I am requesting verification of the payment history, the accuracy of the reporting, and the permissible purpose used by Transworld Systems , Inc. in relation to this account. Under FCRA ( 15 U.S.C. 1681b ), there must be a legally permissible reason to access or report information, and I request specific proof of such purpose.

Furthermore, I would like to bring to your attention that according to IRS guidelines, canceled debt must be reported to the IRS on a Form 1099-C, which reflects the discharge of the debt. If this account has been canceled or discharged, it should not continue to be reported as delinquent or outstanding. Any continued reporting of a canceled debt is not only inaccurate but could be considered a violation of the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates maximum possible accuracy. 

To support my position, courts have consistently ruled on the importance of accurate credit reporting. For instance, in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that reporting inaccurate information can form the basis of an FCRA claim when a creditor fails to correct or clarify disputed or misleading information. Moreover, in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that credit reporting agencies must exercise reasonable procedures to ensure the accuracy of information reported to consumer credit files. 

Please provide the methods of verification under FCRA ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) used to validate the information being reported. If Transworld Systems , Inc. or any credit reporting agency fails to provide proof of permissible purpose or accurate reporting, I will pursue legal remedies, including monetary damages under FCRA ( 15 U.S.C. 1681n and 1681o ) for any willful or negligent noncompliance. 

I request a prompt response within 30 days to resolve this matter. Please remove any inaccurate or unverifiable information from my credit report, as well as cease any further reporting if proof of permissible purpose or accuracy can not be provided. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX my husband and I entered into a loan agreement with Santander Consumer USA for our XXXX XXXX XXXX. We decided to refinance our loan a year later and completed the payoff process through the refinance. We contacted Santander at the end of XX/XX/XXXX and inquired about our gap cancellation refund. We were advised to reach out to our dealership because they had no information on our gap insurance. We contacted XXXX XXXX XXXX who informed us that a check was issued to Santander on our behalf on XX/XX/XXXX, and that we needed to get our refund from Santander. We reached out to Santander again last week XX/XX/XXXX and the agent advised us that they never received any gap cancellation payoff from XXXX XXXX. I then emailed the check from XXXX XXXX XXXX showing that it had been sent to Santander. She then advised us that the accounting department would have to investigate and to call back in about a week. We called today XX/XX/XXXX to follow up and was informed that the accounting department shows that they issued a check to us on XX/XX/XXXX in the amount of {$630.00}, check number XXXX. I advised the agent that not only did we not receive a check but why would you issue a check with the same check number our dealership sent you. Apparently, the investigator is reading their payoff as a check that was issued to us, when in fact the check was never issued. We asked for an image of the check, Santander could not provide us with one. We inquired on a reissue and the agent said that it could not be reissued because it is showing as paid. When in fact it was never issued or mailed. We asked to escalate the issue to the executive level and have been dealing with issue for almost a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS XXXX ) XXXXXXXX XXXX AMOUNT $ XXXX XXXX XXXX ) XXXX  AMOUNT {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXXL XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XXXX aacordance with the fair credit rereporting act These have 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 intructions
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous requests regarding the deletion of fraudulent items from my credit report. Despite multiple attempts to address this issue, the fraudulent entries persist, and I am growing increasingly concerned about the impact they may have on my financial standing.

As outlined in my previous correspondences, I have provided extensive evidence to support the fraudulent nature of these items. However, it appears that the necessary actions to remove them from my credit report have not yet been taken.

I understand the complexity involved in investigating and resolving such matters, but it is crucial that these fraudulent items are promptly removed to ensure the accuracy of my credit report. The presence of inaccurate information could have serious repercussions on my ability to access credit and financial opportunities. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 Balance Owed : {$660.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$340.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Experian and XXXX are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/2021 ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with Audi/VW Credit and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the VW Credit/Audi account from my credit reporting file with all 3 bureaus.
Product: Credit card or prepaid card

I HAD XXXX, WHICH I BOOKED TRAVEL TO XXXX XXXX ON XX/XX/XXXX FOR TRAVEL ON XX/XX/XXXX XXXX XXXX, XXXX. 

AFTER COVID 19, HIT THE UNITED STATES I CONTACTED THE CREDIT CARD COMPANY TO CANCEL THE FLIGHT SO THAT I WOULD BE ABLE TO USE THE POINT AFTER THE COVID 19 PANDEMIC. 

I THEN HAD ON XX/XX/XXXX XXXX POINT FOR TRAVEL WHICH EQUATES TO ABOUT {$5000.00} IN TRAVEL OR OTHER BENEFITS. 

I WAS NEVER NOTIFIED OR ANY ACCOUNT CLOSURE BY ANY TELEPHONE CALL OR TO THE ADDRESS ON FILE AND THEY INTENTIONALLY CLOSE MY ACCOUNT SO THAT I WOULD NOT BE ABLE TO USE THE POINTS. 

APPARENTLY, THEY SENT A LETTER ON XX/XX/XXXX, I CALLED IN ON XX/XX/XXXX IN ACCORDANCE WITH THE LETTER AND NO ONE TOLD ME THAT THE ACCOUNT WAS GOING TO CLOSE MY ACCOUNT. 

I CALLED IN TODAY AND THEY TOLD ME THAT MY CARDS HAVE BEEN CANCELED WITHOUT MY KNOWLEDGE AND THEY KNEW MY CORRECT ADDRESS.AS SOON AS THEY REALIZED WHAT THEY DID THEY HUNG UP ON ME AND WHEN I CALLED IN THEY KEEP HANGING UP ON ME.
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance regarding unresolved errors on my credit report that have negatively impacted my financial standing. Despite my repeated attempts to rectify these issues with the credit bureau, the errors remain on my credit report and they are greatly damaging my credit score. 

The payment history of XXXXXXXX XXXX XXXX XXXX  account XXXX erroneously shows a 60-day and a 90-day late payment from XXXX to XXXX on XXXX. I have always make payments on time. This is an apparent reporting error not only because I made payments on time but the data show does not make sense. There's no 30 days late payment on XXXXXXXX XXXX XXXXXXXX, how can it be 60 days late on XXXX of XXXX? 

I have sent numerous letters to the credit bureau to correct these mistakes, requesting for investigation into this matter and have them removed from my credit history. Unfortunately, I have not received any communication from the bureau regarding the status of their investigation or any steps taken to rectify these inaccuracies. 

This lack of response and action from the credit bureau has left me feeling that my consumer rights are being neglected. Under the law, I am entitled to an accurate representation of my credit history. Therefore, I am reaching out to the CFPB to intervene and ensure a thorough investigation is conducted into these errors. I am seeking your help to have these inaccuracies removed from my credit report promptly. 

I appreciate your attention to this matter and look forward to your support in resolving this issue. Please find attached all the documents for reference. 

Thank you, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I was notified via email that Mr Cooper Home Loans had paid my hazard insurance in the amount of {$1400.00}. On XX/XX/XXXX I received notification that XXXX XXXX XXXX has not received payment for my homeowners insurance. 

This same problem occurred in XXXX, however Mr Cooper applied a " force placed '' insurance policy to my account, which then increased my monthly payment by ~ {$150.00}. When I provided them the insurance policy details that has existed on my account since they assumed ownership of my mortgage from XXXX, they sent me an " overpayment '' check for the amount of my insurance policy premium, which I then sent back to them to apply to my escrow and pay the homeowners insurance premium. After finally processing the insurance payment correctly, they did not revert my monthly payment back to its original monthly payment amount, which was around $ XXXX. I've been paying the {$1500.00} for the last year, which is what they adjusted it to, to presumably pay for a force placed policy that was never needed, since my XXXX policy had been in place, uninterrupted. 

This problem has been occurring every year since Mr Cooper assumed ownership of my mortgage from XXXX, which I believe occurred in XXXX.
Product: Credit reporting or other personal consumer reports

I informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 SECTION 604 A : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In fact they ARE NOT even in compliance with XXXX XXXX credit reporting. I do have evidence to prove and bring forward to prove my case.
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. 

Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Lack of Response from Credit Bureaus Dear CFPB Team, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaction by the three major credit bureaus ( TransUnion, XXXX, and XXXX ) in resolving inaccuracies on my credit reports. I contacted all three bureaus on XX/XX/XXXX, requesting corrections and validation of information that does not belong to me. However, as of XX/XX/XXXX, I have not received any form of communication from any of the credit bureaus. 

My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my date of birth is XX/XX/XXXX. I would like to firmly request the removal of all incorrect information that remains on my credit reports. This includes former addresses that are not accurate and other details tied to my identity. 

Here is a summary of the incorrect information on my reports as of XX/XX/XXXX : TransUnion : Incorrect current address : 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  These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure accurate reporting and respond to disputes in a timely manner. Specifically : Section 611 ( 15 U.S. Code 1681i ) requires credit bureaus to investigate disputed information and respond within 30 days. 
Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) ensures the accuracy of the information reported. 
The failure to remove erroneous data after being notified constitutes a violation of Section 623 ( 15 U.S. Code 1681s-2 ( b ) ) of the FCRA, which obligates furnishers of information to investigate and correct inaccurate information. 
I kindly request that your office intervene on my behalf and enforce my rights under the law. I demand the immediate correction of all inaccuracies on my credit report, as well as confirmation that this issue has been resolved. Please ensure that TransUnion, XXXX, and XXXX comply with their legal obligations and notify me accordingly. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue. 

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

I paid off my mortgage loan for an investment property when I sold the asset. XXXX has recorded the payoff but transunion and XXXX have not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

US Bank Calculated Escrow payments to include the supplemental property tax for a new construction home. I let them know XX/XX/01 about the new amount which i had just enough in escrow. US bank took XXXX, charged me an advance, and then charged me interest on that advance. They said they with-drawled and payed the county but they did not. It's been two month and about to get a second property tax delinquent notice. A manager said that I was supposed to get the advanced back. They incorrectly with drew XXXX in additional which triggered the advance + interest charge. On top of all that they didn't pay the county. They wont provide me with the tracking id since they said they couldn't pay electronically and they have to mail the physical check. With Late feeds instead of XXXX taxes, the county says i owe XXXX. 


Now they don't pick up when I call. I still pay my mortgage but I will have a lien on house to failure to pay property taxes.