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

Concerns About Capital One Initially I should explain that I am not a resident of the United States nor have I had, to my knowledge, any dealings with Capital One. 

My concerns arise because of a succession of emails I have received from Capital One which relate to an account holder called XXXX. 

These emails appear to give me the opportunity to access XXXX account. 

On receipt of the initial emails I contacted my own bank which has confirmed that there is no apparent malevolent activity. 

I contacted Capital One on their customer service number and sent them the original emails. The response on the telephone could be best described as disinterest but the operator said that I would be contacted eventually by Capital One. Other than an acknowledgement I have no response to my emails or the original telephone call. 

On XX/XX/XXXX I received another email for XXXX offering better interest on her deposit accounts which I forwarded to Capital Ones complaints service. Again I have received no response. 

My concerns are two fold, firstly, how did Capital One obtain my email addresses and secondly, what, if any action have they taken to ensure that if XXXX is a real account holder her account has not been compromised. 

If these concerns are in any way within your remit and you would like additional information I would be happy to forward the original emails to you. 

Regards XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Product: Debt collection

Over XXXX hard inquiries on my credit report that were not authorized by capital one and capital one auto. I do not and have not tried to get capital one credit.
Product: Credit card

Charged for a hotel room that was canceled within the refund policy of booking site, XX/XX/XXXX. 

XX/XX/XXXX, charged for room. {$200.00} Shortly after, dispute charge. 

XX/XX/XXXX- ruled in my favor. 

XX/XX/XXXX - vendor sends documentation supporting that i owed a refund. Discover says the opposite. 

I clarified the dates and times with discover but they are aiding the hotel vendor in defrauding me.
Product: Credit card or prepaid card

I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/2015. I just looked through my records and do not recall even having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.
Product: Credit card

I have been making my payments on time and keeping my statement balance low. One morning I woke to my credit card locked and with no credit availability. I called to find out why and the representatives continued to tell me it was because of suspicious activity on my account so I verified with them every purchase like he asked me to.I called a few days later and the representatives tells me he can not tell me at all why its canceled and to call another number which goes to voicemail. One representative told me it was closed due to suspicious activities and that it would likely go back to normal in 7-10 days and the second representative told me it was permanently closed and he couldnt tell me why. I found that strange. I did some research and noticed that XXXX XXXX XXXX already has been sued for scamming their consumers in multiple different ways. This needs to be brought to light. I know a scam when its there. This is a more like white collar scam, very intelligent how they do things I give them that they are intelligent thieves.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT I CHECKED MY CREDIT REPORT, THERE ARE NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY WALLET CONTAINING MY, IDENTIFICATION CARDS, MY DRIVER LICENSE, AND MY SS CARD WERE STOLEN ON XX/XX/XXXX XXXX AM AT MY HOME DURING MY SON 'S BIRTHDAY PARTY AND HAS NEVER BEEN RETURNED. THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} CITICARDS XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TRANSUNION FRAUDULENT ACCOUNTS RESULTING XXXX IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX G XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have received a copy of my credit report on XX/XX/18 and to my surprise I noticed that 3 XXXX XXXX XXXX accounts has been added back after deletion. I disputed the inaccuracy of this account before and the account was removed. I am confused as to why this item has popped back up on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights. 

Upon deleting this account, please send me an updated copy of my credit report with the updated deletion to the address above. If action is not taken regarding this matter, I will forward this copy to the CFPB as well as the FTC and file a formal complaint.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Name : XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX  Former : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX Collection/Charge off XXXX XXXX XX/XX/XXXX {$1500.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$55.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 2. This inquiry was not authorized XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX Please remove it from my credit report 3. This inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 4. This inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 5. This inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Please remove it from my credit report 6. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 7. This inquiry was not authorized XXXX XXXX XXXX  Inquired on XX/XX/XXXX Please remove it from my credit report 8. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 9. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 10. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 11. This inquiry was not authorized XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 12. This inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 13. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. 
XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report.
Product: Credit reporting

I HAVE MULTIPLE INQUIRES ON MY CREDIT REPORTS. I HAVE SENT MULTIPLE LETTERS DEMANDING EVIDENCE THAT I HAVE AUTHORIZED SUCH INQUIRIES AS THEY ARE DAMAGING TO MY FINANCIAL REPUTATION. MY SOCIAL SECURITY NUMBER IS POSTED ONLINE FROM A COMPUTER HACK OF THE MISSOURI XXXX WEBSITE XX/XX/2011.
Product: Checking or savings account

Note, none of the categories properly fit this problem. TD Bank issued a XXXX INT for accounts which did not belong to me. Visited the branch twice but the issue never resolved.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and am disappointed that XXXX has not removed the disputed account. As a victim of identity theft, I filed a report on XX/XX/year>. The XXXX account ( Account # XXXX ) is unauthorized and results from identity theft. Despite providing sufficient documentation, this account remains on my report. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, states that a consumer reporting agency must block information resulting from identity theft within 4 business days of receiving proof. I urge you to remove this fraudulent account from my consumer report immediately and ensure compliance with federal law. I have provided all necessary documentation, including police reports and affidavits, proving my identity theft case. This unauthorized account continues to harm my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge off account with XXXXXXXX XXXX I believe that this charge-off account is reporting inaccurately and in violation of federal law specifically regulation Z ( 12 CFR 1026.11 ). 
Incorrect balance : I believe there is an error in the calculation of my account balance and reporting. Please provide me with a detailed breakdown of all charges, payments and credits with this account. Please provide a 1099c for the balance written off associated with this account. 
Update in the payment history : A charged off account should NOT include an active update in the payment history and/or status. Need I remind you that this falsely manipulates the statue of limitations. 
Failure to provide notice : I did NOT receive proper notification of the charge off or the consequences of this action. 
This account is also reporting inaccurately because of the inconsistencies in regards to the consumer reporting agencies ; this account was deleted from both XXXX and XXXX however Experian is the only credit bureau still reporting this account which further speaks to the violation of my privacy and rights to accurate, fair and complete reporting. 
I am hereby requesting that you investigate this matter promptly and take the necessary steps to remove this account from my credit report. Please provide me with a written response to this dispute within 60 days as required by Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Product: Credit reporting or other personal consumer reports

I am writing to address XXXX XXXX XXXX, where I was enrolled until its unfortunate closure. Due to this unforeseen circumstance, I am entitled by law to receive a refund for any outstanding fees or loans associated with my education at the institution. 

Furthermore, I kindly request that my loan information on my consumer report be promptly updated to reflect that it has been paid in full. This adjustment is crucial for maintaining the accuracy of my financial records and ensuring that my credit history remains unaffected by the closure of the college. 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to update my loan information accordingly. If you require any additional documentation or information from my end, please do not hesitate to reach out.
Product: Debt collection

Previous landlord apparently sent a false debt to a dent collector. I sent the document from court showing correct amount but the dent collector is still attacking my credit report with false information. I didn't break the lease the owner XXXXXXXX XXXX gave us a letter telling us the lease is being terminated and to move out so we did. We had paid rent which I showed them on my bank statement but they still evicted us. Even showed their lawyer at the court date and she still pursued with eviction. XXXX a shady bunch of thieves.
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  : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX : Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Account Name : XXXX, XXXX. : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have been making additional payments and asking them to be allocated to a specific loan token after paying my normal monthly auto payment, however, they are not applying my extra payments directly to principal and are charging against next months interest. I called customer service and they are making it very difficult and are running me in circles with no concise answer. 

My auto payment is set to cover all of the monthy interest gained for all loans, then I make an additional payment and that is not being applied to principal as requested and has even been dispursed across all loan tokens. They say that interest gains daily which I understand, but this is an extra payment after all interest should have been paid. Plus they are charging me {$69.00} in interest when I just made a payment two days before. 

This has happened many times. Here are some of the specifics : Auto payment made on XX/XX/XXXX - done correctly and applied to all 4 loan tokens Extra payment made on XX/XX/XXXX - done incorrectly, was requested that 100 % of payment go to loan token XXXX. But they dispursed it to all 4 loans. 

Extra payment XX/XX/XXXX - done correctly Autopayment XX/XX/XXXX - this was now applied to only loan token XXXX, not all 4 loan tokens instead of putting earlier payment to it. They are doing it backwards. 

Extrapayment XXXX- done incorrectly. 100 % ahould have been allocated to principal on loan token XXXX, but instead was allocated to all 4 loan tokens. 

Auto Payment XX/XX/XXXX. Done incorrectly and went to token XXXX. They are flipping my extra payments and auto payments around to their benefit for interest gain. 

Extra payment XX/XX/XXXX - done incorrectly. Was also allocated to loan XXXX but dispursed to all 4 tokens. 

Extra payment made on XX/XX/XXXX. Should have processed but they are delaying processing my extra payments which accumulates daily interest. 


All in all, they are flipping my payments around and making not applying extra payments correctly.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically in relation to the account referenced with XXXX XXXX XXXX account number : XXXX, date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  : account number XXXX dated XXXX XXXX XXXX .XXXX  XXXX XXXX : account : number : XXXX date XX/XX/XXXX, After extensive review, I have identified discrepancies in the reports and it appears that there may be a violation. of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account do not match my payment history. I would like to inform you that, to the best of my knowledge, I have consistently paid this invoice on time, in accordance with the agreed upon terms. 
I understand that under 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report must not contain information solely about transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between me and your company. 
Additionally, I request that you provide me, in writing, the procedures [ under 15 USC 1666 ( b ) ] that you have adopted to ensure that each reasonable periodic statement is mailed to me ( the consumer ) no later than 21 days. before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. 
Reference to PAANL ( Paid as agreed, never late ) : The terms of our agreement have always been met and the account in question should reflect a status of " Paid as agreed, never late '' based on payments made on time. It is imperative that my credit report accurately represents my financial responsibility and my commitment to meet my payment obligations. 
I hereby request that you provide documented evidence supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communications indicating that payments were indeed late. In the absence of valid evidence, I hope the credit report is rectified as soon as possible. 
If, after a thorough investigation, you are unable to provide verifiable evidence of late payments, I demand that the account be updated immediately to reflect its exact status as " Paid as agreed, never late. '' According to XXXX, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to comply with this schedule will be considered a violation. 
of the FCRA.