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

I am reporting information on my credit report. I have not written Capital One or Gardner White under consumer Law to furnish information on my credit report. I understand my consumer laws which are in place to protect any consumer from credit reporting furnishing. I have not provided or given written permission or consent to both companies to report on my credit report, I Have not received any written notice from all 3 creditors in their asking permission to report information on my credit report. I understand this is a consumer law. I would like this resolved
Product: Debt collection

Once again Capital One please respond to my cfpb complaint with dignity and respect. Also do not refer to me as a customer, I am a natural person and you still are still violating my rights. 

I asked you in cfpb complaint XXXXt o properly validate this debt. You're sending correspondence to a mailing address that I do not live at. Ive attached my mailing address multiple times. 

Youre stating you repsonded to my cfpb complaints 7 times but you have not responded to the complaint thoroughly.So disregard any other complaints and respond to this one throroughly. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account You're such a scum of a company that you do not even have dignity to respond back to my complaint with class. The absolute worst. Im asking for proper validation and you do not want to comply. I already have exhibits of your violating federal law. 

They act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. 

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that Capital One has not rebutted the Affidavit I have sent them. 

RESPOND TO MY COMPLAINT THOROUGHLY. MY AFFIDAVIT HAS ALREADY BEEN SENT CERTIFIED MAIL SO IT WILL BE REACHING HEADQUARTERS THIS WEEK.
Product: Credit reporting or other personal consumer reports

XXXX allows XXXX XXXX to report inconsistent information to Transunion, XXXX and XXXX. Each credit report states different information which is in violation of my consumer rights per the FCRA. Please remove the information immediately since its not being reported accurately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report that are not completed by me, myself. I have disputed several times letting them know that I was in three security breeches and my personal information were all compromised. I know of one inquiry that I completed myself. All the other ones keep popping back on my report even with having my Equifax credit report locked. There should be nothing coming through and Equifax has failed to stop inquiries from coming through on my report. The disputes keep coming back factual. However, these are not my inquiries and they are truly haunting my future of living.
Product: Credit card or prepaid card

My information I written down for my username and password got stolen I dont remember my security questions or any information is there any way to recover my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " 3rd party agency '' for reporting to both XXXX and XXXX. My XXXX report  from the time I opened the account has not reported properly. The balance goes up and down for no reason. XXXX is reporting only 3 months of good payments and they are separated by 3 months of no status, which should also show good payments. The account has been in good standing for over 1 year and over 1 year of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my XXXX report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, X/XX/17, XXXX XXXX XXXX has confirmed that the balance shown my XXXX is again, incorrect according to their records. In addition, the " 3rd party agency '' that XXXX XXXX XXXX has hired, supposedly reports to XXXX. The account has never once shown up on my XXXX report. It has never reported to XXXX for over 1 year, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to Experian as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.
Product: Mortgage

On or around    XX/XX/XXXX ,   my offer to purchase  XXXX   XXXX  was accepted with a loan pre-approval letter from   XXXX   XXXX    for   {$940000.00} at the rate o f 3.65 %. A  few days later when I went to Bank of America to withdraw the funds for the deposit to open escrow, the bank manager introduce me to Bank of America  loan   officer   XXXX   XXXX     XXXX  who pre-approved me with a loan from Bank of America for {$940000.00} at the rate  of 3.25 %.  I submitted the loan application with Bank of America on    XX/XX/XXXX    and followed  XXXX  loan processing instructions.   F or five w eeks,  XXXX  would request for information with very short time line. Sometimes the unreasonable timeline was a short as a few hours. As if  XXXX  expected us to be on alert with his emails and phone calls and dropped what we are doing and responded to him right away.   I have a  credit score  of  XXXX . I have enough down payment and income for the loan approval.  XXXX  even congratulated me and my real estate agent in the later part  of  XX/XX/XXXX  for the loan. On  XX/XX/XXXX , t he Bank of America loan coordinator,   XXXX   XXXX   XXXX   stated that the loan commitment letter will be issued at the latest   on  XX/XX/XXXX  morning.
However, 0n  XX/XX/XXXX  afternoon, my agent and I received a conference call from Bank of America manager    XXXX   XXXX  stating that the loan is denied based on my income to debt ratio. Bank of America sent out a letter of denial confirmation o n  XX/XX/XXXX .    I immediately went to  XXXX   XXXX   XXXX   XXXX   and started the loan application again. In  one month, my loan was approved for the same loan amount with a 4.8 % inte rest rate and I purchased the property and the escrow was closed on    XX/XX/XXXX .
Since  XX/XX/XXXX  t  o now, I have been working with Bank of America to try to understand why my loan with Bank of America was denied. I have been blocked by  XXXX   XXXX  and  XXXX   XXXX   (    XXXX s manager  ) to find out the truth, stating that it is their trade secret. Both of them did not find our why  XXXX  congratulated us on the loan.  XXXX  just apologized for  XXXX  on her verbal loan commitment.  XXXX  claimed that he can not disclose lending guidelines because it is proprietary and internal information of Bank of America. I just want to know the detail why my loan was disapproved rather tha n just one  simple phrase of Debt to income rate : excessive obligation in relation to income.   If this is true, then my loan with  XXXX   XXXX   XXXX   XXXX   at a higher interest rate will not be approved. I feel that the true reasons were the interest rate after the election has gone up tremendously ; I am a senior person and I am  XXXX . I feel that their thinking is no matter what they do to me I have to lay flat and let them bully me without complaint. The damage for the interest differential in the loan from  3.25 to 4.8 % for 3 0 years is in excess of {$400000.00}. My incurred financial damage caused by Bank of America is huge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify my credit and they stated that everything was accurate. However, it is not. I did a thorough search myself and found inaccuracies on my credit report even after they did their careful research. 

XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX I also my name and addresses are not correct on any of the credit reports. 

My name and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My work name is also incorrect. My correct work name and address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX
Product: Checking or savings account

I had gone out to XXXX XXXX XXXX with my family and we spent quite a bit of money enjoying ourselves. I had gone to the ATM machine that is handled by XXXX XXXX. I requested several cash advances. In order to retrieve more of my money from XXXXXXXX XXXX XXXX cashier 's cage.. I made a total of seven transactions. However, Chase charged me double the amount of each original transactions. So for example each transaction I made they duplicated. I brought it to their attention the next day or 2 days only for them to deny me the claim after I submitted my receipts of what I actually pulled out. Therefore, it led me on a XXXX XXXX  chase. I was told that because I use a different method to retrieve my money it was the merchant 's responsibility to refund me my money. I was then told to go file a police report. I was told by Chase that it was risky transactions. I was also asked to get a new ATM card. I was hung up on after inquiring about what took place. I try to explain to the representatives in which all are of XXXX and that I had received a letter stating that they were going to take the reversal back out of my account on XX/XX/XXXX which it happened today and it overdrew my account. However, on XX/XX/XXXX and XX/XX/XXXX I received XXXX emails notifications and letters from Chase stating that they were not going to retrieve the reversal funds from my account for those transactions. This was after I submitted my evidence from the merchants, XXXXXXXX XXXX XXXX  XXXX and XXXX. Proving to Chase bank the exact amount of times I had retrieved the monies from the cashiers cage. Please be advised that I've been with Chase Bank for a very very long time and up until last month I have had this issue with their transactions. I find it awfully funny that whenever I go to XXXX XXXX  which is locally as well I have never had a problem or issue like this happened to me. This just started and each person I spoke to from the merchants regarding Chase have stated that for the past couple of months this duplicating transactions have only happened to their Chase customers. They have seen an increase in their customers fighting to retrieve their money from Chase Bank only.
Product: Debt collection

I have asked for debt verification and I had no response. 

Please find the letter attached.
Product: Credit reporting or other personal consumer reports

Remove all fraudulent accounts Immediately. I reported I was trying to buy a house. I relieved I had damages to my report that wasn't being updated and removed. I reach out to each credit bureau XXXX, XXXX, and trans union asking to remove unauthorized inquires, false information, and collections and provide documentation. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681. Transunion will not let me view my account.
Product: Mortgage

My loan was sold right away and I didn't realize it. I made my 1st payment to XXXX XXXX XXXX and Lakeview lonecare llc bought the loan. They never gave me credit for my 1st payment in XXXX. They've been charging me late fees and finally put a marl against my credit. I've sent them documentation multiple times and have called multiple times without getting this resolved.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I was negatively impacted hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. 

Reporting Agency Such as XXXX XXXX and Experian are reporting inaccurate information Outdated information and data inconsistency all address are outdated Companies such as XXXX XXXX  which has duplicate accounts which is paid off and closed are reporting Outdated information inaccurate information Company Such as XXXX XXXX are reporting Outdated information and addresses data inconsistency
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from another company I do business with that they were lowering a few account limits to include one company which closed my account because I had a new derogatory mark on my report placed there by XXXX XXXX XXXX which is located in XXXX, Tx I didn't even know who this company was. So I waited a while and never received anything from them after a week I looked my report up through XXXX XXXX and got reminded during that time I have a collection against me from this company so I looked up the company and tried to call to which my phone call never went through the next morning I emailed them asking for validation of this debt they claim I owe them to date I still have never received anything which was requested more than a month ago so tonight I went and looked them up via the internet to find information stating they are a part of some scheme and has been closed by the FBI being worried by this information I now know I was correct with not recognizing this company I read as much information as possible to include finding out they aren't even registered with the state of Illinois by not being currently registered with the Secretary of State to conduct business within the state I live in ... So why can a company who practices illegally ( morally and physically ) put a collection against me without proving to me that this debt is mine even after requests I'm so confused and angry about this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX : {$740.00} XXXX & XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 120 days so they should be deleted promptly.
Product: Debt collection

On XX/XX/XXXX, I received a mail from Fair Collections & Outsourcing ( FCO ) claiming I owned {$17000.00} to Creditor " The XXXX XXXX XXXX XXXX XXXX ''. I had identify theft on 2021 and I have reported it to Federal Trade Commission right after the theft happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX sold me a 2013 XXXX XXXX XXXX. Within 1 month the transmission gave out, and I ended up taking the car to a mechanic shop for repair. Finding out the bill was well over XXXX, I contacted westlake and the dealer to help me pay for it since the warranty company denied the claim stating its too early for a new claim. Minimum wait days is 45 days. Westlake refused to help.
Product: Credit card or prepaid card

I was advised that a good will faith credit could be issued for the remaining balance on this Chase Credit card account. Please let me know when the credit for the remainig balance has been issued. If anyone has any questions then they can contact the Executive office. I am not going to be lied to by Chase Bank. I have already mentioned several times your customer care team told me this account could be issued a credit for the remaining balance. The information was provided to me via my Chase credit card account. I have yet to receive the credit I was informed of receiving. The account should be paid in full once the credit has posted. I was advised the credit would be applied to my Chase credit card account that is closed. Seeing how Chasse customer care advised this account would receive the credit I am noticing that a payment is still being required each month. Per my last conversation with Customer care the credit should post within 1-2 billing cycles. Please advise if you can assist me with my account. Please see the information below that was provided by Chase customer care. 

Hello XXXX, Thank you for contacting us. XXXX, I forwarded your message to the appropriate department for review. You should receive a response within 10 business days. Per our research you should receive the promised credit you inquired about in the amount specified of the remaining balance on your Chase credit card account. Please continue to make the scheduled payments on your account until the credit has posted to your Chase credit card account. Thank you for being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE is reporting inaccurate information to consumer reporting agencies that is causing harm to my credit and a violation of my privacy. I am also not being allowed to use my open end credit card. Pursuant to 15 USC 1681, report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. In addition, Pursuant to 15 USC 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. This has caused me financial harm and violating my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all these other addresses off my report that are as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
My name is XXXX XXXX XXXX. Please remove any other aliases. 

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

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$260.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report due to my identity been stolen.
Product: Debt collection

Hunter Warfield. On XXXX XXXX XXXX I attempted to contact this company. I have never lived at the address in question. I provided proof and I requested the information they used to verify this alleged debt. They failed to do so. Also I have XXXX XXXX XXXXXXXX cards that are no longer in use and have been paid off. However they refused to delete these items negatively affecting my report. XXXX XXXX XXXX XXXX is still reflecting negatively I have tried to contact this company on several occasions. This debt was paid in full. Also a capital XXXX account was opened to the same address as the Hunter Warfield. XXXX has been updating accounts with no proof and when asked to provide documents I have yet to get a response. Thank you for taking the time to look into these items its greatly appreciated