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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : 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  Experian Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were in process of getting our Mortgage refinanced with Guarantee Rate, XXXX XXXX Everything looked good, our XXXX was good our credit scores are average of XXXX. We had a BK in XX/XX/XXXX where a XXXX Mortgage debt was charged off in XXXX. We settles with XXXX for {$20000.00} for them to remove the lien, however debt was at {$0.00}. XXXX just had the lien on but we did n't owe anything as the debt was already charged off. Guarantee Rate declined our loan stating that we short sold the property in XX/XX/XXXX. We did not short sale the property. We gave them {$20000.00} to remove the lien, but the debt was already charged off in XX/XX/XXXX. We got them a letter from XXXX stating this and they still declined us calling it a short sale. When we sold the house in XX/XX/XXXX, our XXXX was paid in full and since we settled with XXXX for them to remove the lien that was in XXXX position, at the time of the sale we did not have a XXXX mortgage. I am not sure how they are viewing this as a SHORT SALE. We argued our point, yet they still denied that. We are still being punished for a BK that happened in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

Personally, I was the victim of a scam on XXXX XXXX XXXX and not protected by Zelle.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' KOHLS/CAPONE, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, KOHLS/CAPONE whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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
Product: Vehicle loan or lease

I had a car loan with Bank of America that was paid off in XX/XX/XXXX and replaced with a new loan for my new car. The old BofA loan has remained on my credit report. Tried to contact someone at the bank in XX/XX/XXXX multiple times to fix and wound up stuck in automated phone loop getting shifted from dept to dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : {$470.00} ; XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  Inquired on XXXX XXXX ; XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX  Inquired XXXX XXXX, XXXX ; XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX, XXXX ; XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

My home loan was paid off on XX/XX/2023. I have contacted Bank of America three times and they told me that the check is in the mail but I have not received it. They told me to wait for it and if I have them re-issue the check, it will be another wait. It was supposed to have been paid back to me within 20 days because it is an escrow refund. I want my refund immediately. I have had problems throughout the time of having an account with Bank of America and I want my refund because the mortgage has been satisfied for over a month.. They even removed the mortgage account information which was available online. At this time they owe me interest on my money theyve illegally withheld.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a consumer who resides at 1935 XXXX XXXX XXXX XXXX, FL XXXX. 

I am writing this complaint because I have sent Experian a copious amount of complaints in which Experian has repeatedly and willfully neglected his duties and obligations under the FCRA and other applicable laws. This is a final chance for Experian to cure before legal action is pursued. 

This complaint is NOT coming from a third party and should NOT be considered as a duplicate complaint. Considering this complaint as either will be construed as willful and intentional negligence.
Product: Credit card or prepaid card

I used my card to make a purchase. It was then declined. I called to verify my identity only to be told that the phone number that I used to open my citi credit card can not be used to verify my identity. Then after speaking to numerous representatives I was told that I can not verify who I am over the phone and would have to wait for a letter to come in the mail just to verify who I am. I told the representative this is a tedious process and it is hindering my use of the funds avaliable on the card. I feel like I am getting no help at all from citi bank and this is something that should be legally addressed.
Product: Money transfer, virtual currency, or money service

Was told transaction dated for XX/XX/XXXX would be available on XX/XX/XXXX. Confirmed in a call on XX/XX/XXXX

and was told funds would be available on XX/XX/XXXX. Called on the morning of XX/XX/XXXX and confirmed available in the afternoon. Afternoon of XX/XX/XXXX was told it would not be until XX/XX/XXXX ... .. Refunded transaction and resubmitted an invoice to receive sooner, now being told XX/XX/XXXX ...
Product: Payday loan, title loan, or personal loan

We obtained a loan from Good Leap through our solar company XXXX XXXX XXXX XXXX XXXX XXXX XXXX to buy our solar system. The loan was for {$57000.00} and was taken out in XXXX XXXX XXXX. Little did we know the solar company was notorious for misleading customers, exaggerating the system capabilities, and scamming customers. When we learned we were victims of this scam we reached out to Good Leap for help. They turned us away saying we were responsible, and they somehow were able to quickly pull up information on our solar system that only the solar company has access to. This makes us wonder if the companies are affiliated. They told us our system was working and that we signed the loan so we had to pay regardless of the discrepancies in the contract. After a year of working with the solar company, they finally realized their error and were going to resolve it. A month later we received a letter that they were going out of business. Now there is no one that can honor the resolution. We are stuck paying for a system that under-preforms, a loan payment that exceeds any power bill we have ever received and a power bill from the lack of production. Before solar, we paid XXXX $ a month for power tops. Now we pay XXXX $ for the loan and anywhere from XXXX $ for power. Some months we are paying over XXXX $ for power! We were looking into the " the holder rule '' and are curious if that could apply in this situation. Other issues ; Also a side note we get weekly calls from Good Leap about our name being associated with a random person that also took out a loan with them. We get texts and calls stating we are responsible for his delinquent account. When we call they won't give us information about it. Another problem we have had is they on several occasions canceled our payment, making it late, which then made our monthly payment about XXXX $ higher. When we called they stated we called and canceled automatic payments and they could not fix the issue. It took us calling five different times and talking to several reps each time to get it fixed. 

I have submitted this complaint once. Good leap promised to resolve my issues and then refused to return my calls. My issue has not been resolved! I believe they are affiliated with the solar company and should be investigated for being apart of the scam XXXX XXXX XXXX created .
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by this company : Inquiry : XXXX XXXX XXXXXX/XX/2024. 

I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Debt collection

On XX/XX/2018, EOS CCA add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : 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 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 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 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 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 XXXX 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: Credit reporting or other personal consumer reports

hello, i see there a im proper reporting on my credit score account # XXXX has been paid in full and never was in collections. please up date this account to good standings or remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2020 for a collection that shows on my transunion report, Transunion responded to me : " we found the information you disputed does not currently appear on your Transunion credit report '' This is false and it is still affecting my score and credit.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : CHILD SPRT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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: Mortgage

I have called Newrez 3x, spending 30+ minutes on the phone EACH TIME as well as sending a email to try to have this issue resolved. 

Newrez double populated my banking payment information on their portal and I am receiving an error message every time I attempt to make a payment. I am also not able to delete one of the banking entries as I am receiving the same error message : ERROR MSG : Multiple accounts found with the same routing number and last four digits. 

This means I can not make my payments online without having to call and wait on hold to have them manually push a payment through. This has cost me 20-30 minutes of my time EACH TIME.

I have made 4 separate attempts to get this resolved since XXXX. It is now the middle of XXXX and Newrez has not fixed the issue.
Product: Mortgage

We have been paying our current mortgage after the refinance since XX/XX/XXXX with no late or default, however our original house appraisal was done in XXXX for the amount of XXXX ( during the purchase ), and the original loan for XXXX. Wells Fargo Mortgage is now saying to remove PMI from our loan we would have to pay off over 159,000 dollars ( current balance is XXXX dollars and an estimated value of over 370,000 dollars ). They have stated today that they have no appraisal on file. The Wells Fargo representative also stated that we would have to spend XXXX dollars to have a new appraisal done on the house by one of their representatives, and to dispute this we would have to have 2 other appraisals done by 3rd party licensed appraisers, which they may still not accept ( all in all over {$1500.00} ). We live on a 2 acre property in an area where land sales are going for over $ 40-50K/acre and I know for a fact that similar real estate in this area has sold for well over the $ 375K-400K mark. I do not trust Wells Fargo to do an honest and accurate appraisal, as it is to their best interest to keep the property value low, however I'm not in a position to pay over 1500 dollars to pay for all three appraisals only to have them turn over the appraisal and call what they have done accurate. 

Please help.
Product: Credit card

In XX/XX/XXXX, I discovered four unauthorized hard inquiries on my XXXX credit report XXXX Capital One Bank USA, which led me to believe I was a victim of identity theft. None of those hard inquiries had resulted in opening any new accounts luckily. I promptly filed a dispute with XXXX to have these inquiries removed from my report. Unfortunately, XXXX mistakenly flagged XXXX of my legitimate Capital One credit card accounts ( XXXX ending in XXXX and XXXX ending in XXXX ) as fraudulent accounts and subsequently reported them as such. As a result of this error, Capital One closed both of my credit card accounts, which I have held in good standing since XXXX & XXXX respectively.I immediately contacted both Capital One and XXXX both via phone and in writing to resolve this issue, as it was a clear mistake and has negatively impacted my financial standing and credit score. Despite my efforts to explain the situation to both companies and provide them with documentation proving that these accounts are legitimate, neither XXXX nor Capital One has resolved the issue. XXXX continues to list the accounts as fraudulent, and Capital One refuses to reinstate my accounts, citing the credit report from XXXX. This error has caused me significant inconvenience, financial strain, and potential harm to my creditworthiness. The decision to close those two accounts by Capital One effectively removed {$42000.00} of my total revolving available credit limit ( Almost 40 % of of my total available limit ), which had very negative consequences on my credit score and history. I am seeking assistance in correcting this mistake, reinstating my Capital One accounts, and ensuring my credit report accurately reflects the legitimacy of these accounts. I've attached the 2 letters that I sent in writing to both Capital One and XXXX below.