23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On Thursday, XX/XX/2024, at XXXX XXXX EST, I contacted Capital One via the customer " service '' phone number ( XXXX ) XXXX to discuss my credit card and a few questions I had about my Capital One Savings account. I was transferred to FOUR people to discuss my concerns. The last person I spoke with identified himself as a supervisor in the Fraud Department, XXXX ( I STILL do not understand why I was transferred to the Fraud Department when that was NEVER my request ). While I was asking my questions, XXXX frequently interrupted me to the point I had to ask him if he could hear me because his indirect answers did not resolve my direct questions. XXXX made a reference to Capital One 's bank policies, and when I AGAIN attempted to ask XXXX for further clarification about the bank policies, he AGAIN interrupted me, which prevented me from AGAIN asking my question. Then, I asked XXXX for his ID or any other identifiable information. He gave me XXXX XXXX XXXX ID. I then attempted to confirm his ID by stating, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' XXXX AGAIN interrupted me before I could finish speaking and said he would disconnect the call. He then hung up on me, and I still did not receive answers to my questions about my credit card and I never had an opportunity to ask questions about my Capital One savings account. I called back, filed a complaint, and asked that someone listen to the recorded phone call ( XXXX unnecessarily told me TWICE that the call was recorded ).
Product: Mortgage

Hello, I am writing to you again about the error bank did. I made a payment XX/XX/2020 for the exact amount that I received on my paper mortgage bill, {$2600.00}. Later, I received a paper from the bank that lists that payment and shows XX/XX/XXXX a " bad check reversal '', when I never had a bad check. I paid by phone through my bank of America account, there was never ANY checks made, it was a balance transfer from my account to the mortgage. My account has enough money to pay for the amount requested on the physical paper mortgage statement. Now the bank has decided to label it as a " bad check reversal '' when there was NEVER any check payment being made. This is clearly an attempt to defraud me and refuse to admit that the Bank made a mistake when sending me the bill by mail. If they changed the amount due between the time they sent me the bill and the time I called to pay the bill, they should have notified me when I was making the payment. I have no way of viewing my balance online because the account is not available due to a bankruptcy. I fully believe, the bank is doing everything that they can, to sabotage my account, my credit and my reputation as revenge for having been in a bankruptcy. The bank is clearly trying to make it harder for me to make my payments so that I would miss a payment and they could take me out of my home. My original requests, concerns and complaints, were NOT answered, so I believe that shows that the bank is not acting in good faith. When I inquired about the issue, the bank ignored me. When I previously filed a complaint with CFPB, they repeatedly close the complaints and completely refuse to discuss, address or rectify the issues that I am bringing up to their attention. This can not be an accident, it is deliberate sabotage. In response to my last complaint, they simply mailed me a payment history letter with the same false statement about a " bad check reversal ''. They fail to address the statements that I have made and are ignoring everything I am trying to inform them off and are deliberately not responding to the issue. They refuse to contact me and deliberately waste time. I paid them {$150.00}, check was cashed on XX/XX/2020, for evaluation of property which was required to remove the PMI. Although, they ACCEPTED the money, they refuse to do the evaluation and continue making false statements, which I have all the paperwork to show, including the bill that they sent me which was paid in full by the due date. 
This is making it a lot more difficult to pay my mortgage and the bank refuses to work with me, hold up their side of the agreement, and when I make calls to make a payment, the bank deliberately places me on hold for up to an hour hoping that I will disconnect the call and miss a payment so that they can seize my property. They are acting in bad faith by refusing to even ANSWER the points that I am providing. 
If you are unable to help me, could you provide an alternate agency that can assist with this bank 's bad faith practices.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX. 
Creditor Name : XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX FIN Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further XXXX the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

I am a Veteran and have face homeless situations for 15 times in 5 years and still managed to get my credit score up. While trying to buy a home I am being denied due to XXXX XXXX  housing and Hud housing that has employees lying to cover what they do wrong. I have called and asked for help to fix or change policies that lead to inhumane policies and laws that no one is willing to change. The 3rd party reporting agency is not a XXXX  accredited agency. My credit score is good enough to buy a house, but I am being punished, hassled and or denied due to things not being my fault. Houses are being rented before they are declared habitable. Houses are being rented as duplexes with one electric meter and one water meter. When you are on a set income, we do not have ways to change this. We do not seem to matter anymore. I am doing all I can to change the situation of negativities. I can not take responsibility for the actions of others to report things just to hurt others. Companies get mad when you say they would not want to be treated this same way and yet do not care to do it to you. 
When buying a house. I am asked to not get any line of credit and yet I am told I need a car loan. I am not supposed to live in my car. This will cancel my home loan. They credit agencies and the loan companies deny having any way to help change these things. I am living in a Hud apartment that spent 6 weeks not fixing my furnace. I have a stove that only shuts off by the breaker switch. The nobs do not shut off the oven. The coil will not shut off. This is a issue that repeats and we as humans need to care more than the words of sorry. Sorry is not good enough. Someone needs to help spread the word we can make a difference if we all just stand to speak what needs to change. I am being reported for late payments. How do I change or make a payment when the company denies letting me. How is it fair to report me late if they refuse my payment. I am responsible for my actions and their actions. How did this come about?
Product: Credit reporting or other personal consumer reports

I have made several attempts to reach XXXX  but they only have contact options through email. 
I have a different number and can not sign into account The app is set up for you to pay XXXX & XXXX dollars a month to help build credit it says its a loan but there is no loan only my payments into a account that after a year I get returned I have. All the payments I made on file from my bank account XXXX  up until my car and belongings were stolen in XX/XX/year>. 
After which a few months go by and my credit score dropped by over XXXX pts for default on payments. 
I never received any money nor do I owe them I in fact am owed the money I paid into my account but can not access due to not having the same phone number and the email they send to verify yourself has a XXXX min window after which you have to contact them again the response has always been days later and no resolution. 
My credit went from XXXX to below XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below 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. 1. Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account XXXX XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Bank Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

It has come to light that XXXX XXXX and XXXX through unauthorized means, accessed personal and confidential information protected under the Family Educational Rights and Privacy Act ( XXXX ). This action constitutes a direct violation of XXXX, which ensures the privacy of student education records and restricts access to these records without proper consent. 
Under XXXX, students have the right to control access to their educational records, and any unauthorized disclosure, including access by individuals without legitimate educational interests or consent, constitutes a breach of this law. In this case, XXXX XXXX and XXXX 's access to personal data without authorization is considered an unlawful disclosure of protected information. 
As a result, immediate corrective actions will be undertaken, including a full investigation into how this breach occurred, and steps will be taken to ensure that all parties involved comply with XXXX guidelines moving forward. Any violation of XXXX can result in severe consequences, including potential loss of federal funding to the institution involved and other legal ramifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

It percieved XXXX and other credit reporting agencies have been hacked. Or XXXX XXXX has made an error. 

I dont see My XXXX XXXX credit card, on credit file. Or currently being reported is any history of XXXX  XXXX EVER existing as being reported to credit Bureau. In contrast, the credit Bureaus ALL reported XXXX XXXX as resent as XX/XX/XXXX and since XXXX. But not any more. They lost data and record if its existance. This XXXX XXXX card, is an active credit card. I am including XXXX  XXXX on this complaint too. 

The bank, as credit furnisher has been reporting my XXXX  XXXX credit card to XXXX, every month since XXXX. XXXX  and other agencies have ALL sent me credit files showing the XXXX  XXXX credit card as being reported with their company. Today the file and evidence of ANY history of XXXX   XXXX being reported has been lost, and no lnger on file. The reporting agencies have LOST DATA. They may have been hacked. 

In my resent complaint filed with Credit bureau, complaint # XXXX. XXXX responded claiming " the XXXX  XXXX is not being reported " and XXXX cited " it is up to the bank to report ''. The very nature of the complaint was the fact that XXXX XXXX is reporting the card to XXXX, and the card WAS reported on XXXX file as resent as XX/XX/XXXX. Someone inside XXXX has DELETED the card and evidence of the card being reported, or XXXX has been hacked, and lost data. Regardless, the card fell off record with XXXX, and no longer shows. As XXXX says - their is no existance of the card being reported today, or that the card EVER was reported. But on my credit report attached the card is clearly present. This claim of XXXX  that the card is not being reported by the credit card company has no basis. It is not true, becaues can all see from attach credit reports from XXXX showing the XXXX XXXX being reported XX/XX/XXXX. It is commonly ACCEPTED among USA population in general banks like XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX DO report t credit agencies. Why then would XXXX  in their responce claim they do not? XXXX  pure and simple - has lost DATA, or been hacked. My concern is XXXX  and other agencies may have been hacked. If the XXXX  is going to respond, claiming XXXX XXXX is not reporting the card, it raises the GOOD question, how can that be? When the card has been shing on the Credit file and report since XXXX. The only explanation is XXXX has been hacked, and lost the data in a data breach and any Evidence of the XXXX XXXX card being reported. 

I request XXXX to resolve how they lost data. And how is it XXXX  claims the credit card is not being reported when it showes on my credit file right through to XX/XX/XXXX XXXX it now has gone, from XXXX record - as the XXXX responce to the prior complaint # XXXX filed here with CFB shows. 

Where is the data? Data is being reported to XXXX as the XXXX  files shows, Why is it missing for XXXX all togeter today, and why is XXXX  NOT CHECKING back on mail it has sent prir to my house showing the XXXX XXXX card as present. It is an active card.?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to Experian, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : 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
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I noticed that the creditor, XXXX XXXX XXXX had been placed on my credit report. I immediately contacted XXXX XXXX XXXX at the address provided on my TransUnion report and I contacted TransUnion to dispute the debt since I did not or have I ever had and account with XXXX XXXX XXXX. 

XXXX XXXX XXXX NEVER wrote me back or contacted me. 
TransUnion continued to report the debt first showing a balance of {$2500.00} for about 6 months and then magically, after I disputed the debt again, TransUnion changed the balance of the debt to {$0.00} and I have never paid or contacted XXXX XXXX XXXX because the debt is not mine. 
On today, when I look at my credit report TransUnion has placed the following text under " Payment Status '' - UNRATED OR BANKRUPTCY. I DO NOT HAVE A BANKRUPTCY AND THIS ACCOUNT IS NOT MINE AND NEEDS TO BE REMOVED FROM MY TRANSUNION REPORT IMMEDIATELY. 

TransUnion continues to respond with " THIS DEBT HAS BEEN VERIFIED ''. I've asked them " VERIFIED BY WHO ''. XXXX XXXX XXXX is not verifying this debt with TransUnion because they don't even answer my letters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account does not belong to me and needs to be removed immediately because it's fraudulent and inaccurate
Product: Credit reporting or other personal consumer reports

Please investigate the accounts that are listed in this dispute. 

15 U.S.C 1681 section 602 A. State I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting 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. 

Please remove this information from my credit file as these accounts does not belong to me and you are hurting my credit because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX credit card, account number XXXX, that is showing delinquent in XXXX and XXXX of XXXX. The account was closed at the time and should not have been showing delinquent. I have discussed the matter with XXXX XXXX and they said they rectified the issue on their end and would report the corrected information to the credit bureaus. The correction never happened and although I have disputed the information with the credit bureaus, the information is still showing incorrectly.
Product: Money transfer, virtual currency, or money service

PayPal Banned my account, i comply their legal agreements. But they shutdown my account without telling or clarify what I've done wrong. I don't have any disputes.