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

I have tried to deal with XXXX about my Capital One account for disputing it and asking for verification and requesting documentation in how they " verified '' this alleged debt. I have sent disputes to XXXX on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only sent a letter when XXXX refused to send documentation following their result from the dispute. I sent letters to Capital One on XX/XX/XXXX and XX/XX/XXXX. I never recieved documentation proving how they ( Capital One or XXXX ) verified this alleged " debt ''. I have got letters from Capital One dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also keep getting the " closed date '' changed on my Capital One account chaged from XX/XX/XXXX to XX/XX/XXXX according to XXXX XXXX and XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts that are listed with Equifax and XXXX as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : XXXX / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information 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. 

# 1 Account name : XXXX XXXX # XXXX # 2 Account name : XXXX # XXXX # 3 Account name : XXXX XXXX XXXX # XXXX # 4 Account name : XXXX XXXXXXXX XXXX # XXXX # 5 Account name : XXXX XXXX XXXX # XXXX # 6 Account name : XXXX XXXX XXXX # XXXX # 7 Account name : XXXX XXXX XXXX # XXXX # 8 Account name : XXXX XXXX XXXX # XXXX # 9 Account name : XXXX # XXXX # 10 XXXX XXXXXXXX XXXX XXXX # XXXX # 11 XXXX XXXX XXXX XXXX # 12 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # 13 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

CERTIFIED LETTERS WERE SENT TO THE AGENCY THAT WERE DELIVERED ON XX/XX/21 AND XX/XX/21 DISPUTING SEVERAL ACCOUNTS ON MY CREDIT REPORT. AS PER THE FCRA, THE AGENCY HAD TO MARK THE ACCOUNTS AS BEING DISPUTED BY CONSUMER. THE AGENCY FAILED TO MARK THE ACCOUNTS AS BEING DISPUTED BY CONSUMER AS REQUIRED BY LAW.
Product: Checking or savings account

Around XX/XX/XXXX, I filed a dispute for a XXXX XXXX and a XXXX charge. They provided provisional credit on one of the charges and when I called on XX/XX/XXXX and they said I would receive the second credit for {$22.00} on XX/XX/XXXX. I did not receive it when they said I would but I have since received it. Today XX/XX/XXXX I received an email stating account closure for absolutely no reason. They do not care about people who already have bad credit and they do not care about their customers in general.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled 4 disputes with XXXX to dispute the PIONEER CAPITAL SOLUTION Collection agency for the past 2 years.

I provide Copay receipts and the XXXX XXXX statement that shows I have a {$0.00} balance. Claim XXXX Date of Service XX/XX/XXXX was paid on XX/XX/XXXX Sent Electronically XXXX XXXX to Provider : XXXX, XXXX XXXX for {$2000.00}. Please see the XXXX XXXX attachment. 

XXXX has responded with the same response " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I filled 2 disputes with XXXX about PIONEER CAPITAL SOLUTION and received the same results as XXXX. 

Listed below are the disputes. 

Experian Date Submitted : XXXX XXXXXXXX, XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Equifax Confirmation number : XXXX Submitted XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Both Equifax and Experian have the same account number as listed below. 

Account Number : XXXX Original creditor : XXXX XXXX XXXX {$300.00} Company : PIONEER CAPITAL SOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Monthly charge over XXXX for past due when this cc is already closed by them! They dont help you with credit builder the are damaging instead
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 : Late Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two 3rd party credit report companies to monitor my credit. The company names that I am using are XXXX XXXX and XXXX XXXX. The only credit bureau that is not showing is XX/XX/XXXX I gave XX/XX/XXXX a call multiple times but I was given the run around. I was also hung up on because I was asking the question why I cant see there report. I went to there website and purchase all three reports and they where all not updated. Also show multiple inaccuracies. I canceled there service immediately.
Product: Credit card or prepaid card

Upgrade needs to update the correct amount as of today on my account. And update All the credit Bureaus XXXX, XXXX, XXXX and the XXXX
Product: Credit card or prepaid card

Paypal Credit sent me a letter stating I have an account with them and that they were changing the terms of the agreement. I called to notify them that I have never had an account with PayPal Credit and they said since I received the letter I do, but, even though I provided them with the last 4 of my social, DOB, address listed on the letter and the digits of the account listed on the letter they could not find my account. They just kept telling that I do have an account, but they just can't find it. He said only their back office could research it, but I couldn't talk to them and he basically said he couldn't help and to mail the letter back, at my cost and time, and write the words, " Close Account ''. He then abruptly ended the call since he said he couldn't help me. 

This is very frustrating, I have never received a letter from them, ever. I verified that the number I was calling was legitimate. They should not be in the business of notifying people that they have an account, but then tell people that they can't find their account, with Address, Name, last 4 SSN, DOB, and reference number from their letter! I request your assistance with this company to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware is reporting an account fraudulently obtained by another individual to my credit report.
Product: Mortgage

We have been trying for a modificaton since XX/XX/XXXX. It has been an exasperating ordeal for us and all we want to do is go back to making good faith mortgage payments to NationStar. My complaint is a serious matter, since our documents were sent, we 've been denied twice for a modificaton beacuse the Underwriter reviewing our file uses financials that are at least two months old. Each time we place a call to Nationstar, we are advised no further documents needed and no updated financials needed. How is that possible if we submitted documents since XX/XX/XXXX?! Our finances has changed for the better, we are XXXX XXXX and collect rental! How is it that a bank can review then denial a modificaton without accurate information?! How is it that a bank can review then deny you for a modification withour updated Profit and Loss and supporting bank statements?! Why is it that NationStar 's goal in NOT to help their long time customers but rather help us lose our home?! This is concerning to us because we can not afford to lose our home, it is not an option for us- the reason why we defaulted on our payments was because I was laid off of my job. Since our hardship, we have started a business which has been successful and we have consistant rent every month. It 's concerning that we can shoe affordability on to pay our mortgage but Nationstar is not doing their due diligence to when it comes to obtaining current documents for a review. How many times will they deny us a modificaton but then reopen our case for another review?! Why ca n't they get this right the first time around? I can never get a hold of a supervisor or the Ombudsman office, the representatives has lack of information to provide each time. We are annoyed and scared- this is not turning out in our favor but the banks! We ca n't even get a hold of our representative XXXX XXXX! extXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I paid off this account but its still showing that I owe a balance. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Credit card

.i purchased a vehicle for my sister, and capital one is trying to dispute the payment because we haave been having issues with them but first off i called in advance and made them aware i was making a large purchase and i wanted them to make sure the transaction did not decline and they made sure it did not normaly a XXXX purchase would naturaly be delined, so not only did they know about the purchase they made sure that it wasnt declined. then about 2 months after the purchase i was contacted by the dealership and told that capital one was disputing the charge to my astonshiment me and my father called we are joint account holders and were told by capital one that they we closing are account with no explanation why and we were free to open a new account. well w are absolutley takin aback by there poor customer service there lack of communication between difrent depts in there corp me and my father asked how we could pay off the balance owed on the card and we would not be applying for anthort account with capital one they are a night mare they said that we would be transfered to the payments dept and every time they hung up during the transfer when we directly asked to speak to a supervisor we spoke with a gentleman that not only told us that the previous XXXX capital one employees we had spoken with delibertly and knowingly had given us false information. the gentleman then proceeded to assure us that there were no issues, he had fixed everything and that are cards were still active not shut down and that we could contact him with any further issues, and apologized for the treatment we had recieved from previous employees. needless to say there of course were issues we went to use are cards again and my fathers was declineing but mine was not. so again me and my father have tried to contact capital one and see why and again we run into the same employees so me and my father say ok shut the cards down we are at are wits end and how can we pay off our balance, and capital one will not except payment from us and now the dealership says capital one is trying to reverse the charge and we will have legal issues if that happens how can they get away with that they were made aware of and approved the purchase but then all the sudden, because we called and complained about some issues we were having they shut our cards down refuse to honer any purchase we made in the past and refuse to let us pay off our balance on the card. how can they dispute a charge that me nor my father are disputing. and we are trying to pay are bill, how can they do this? what can we do? please we are so upset. and what about the dealership can they do any thing to stop capital one from reversing the charge they approved prior and were completely knowledgeable of the purchase they made sure it didnt decline and set my card so it would not decline prior to me making the purchase.
Product: Credit reporting or other personal consumer reports

Capital One reporting charge off but won't send me XXXX for the charge off. This is tax fraud. I filed it as income. Income can not be stated on a consumer report.
Product: Debt collection

This is an old account that was settled in court for a total of XXXX. My payment was XXXX dollars a month and this law firm was from Florida. ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Florida XXXX. This law firm was taking my payments on an online portal. I could never get a statement balance after making payments. Payments started in XXXX of XXXX. I made my last payment through the portal in XX/XX/XXXX, but since that payment the portal has changed with no knowledge of how to make an direct payment. I had a Consent Judgment with this law frim signed and notarized for the agreed amount of XXXX settlement, yet this same Law firm in the state of Georgia are now filing an Affidavit of Default on Consent Judgment for an amount that's more than owed. The amount that was paid, was not deducted, but added to the balance, these actions are not right. I have proof of payments from my bank, but none from this firm. Something is not right. There is an attack on single family homes and workers who were essential worker throughout the pandemic We all are trying to recover financially.
Product: Mortgage

This is in reference to XXXX which was closed out. I have requested a letter from XXXX ( the servicer of the mortgage ) stating that the issues I experienced was from loan origination not servicing. XXXX has told me on many occasions that this was not a servicing issue but when they routed the letter through USAA, USAA prevented XXXX from sending the letter to me. Ms XXXX XXXX ( XXXX ) told me on XXXX XX/XX/XXXX 18 that they could not because I had filed a CFPB complaint. It is disappointing that a consumer would be denied a request for correspondence as a punitive action for filing a complaint. 

Additionally, even thought the previous complaint was closed out I am still out $ 800-1000 of pocket. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number 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 15 U.S.C 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 2. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account numberXXXX 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 15 U.S.C 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 3.In accordance with the Fair Credit Reporting act XXXX XXXX Account numberXXXX  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 15 U.S.C 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
Product: Credit reporting or other personal consumer reports

XXXX credit is reporting to my Experian report inaccurately per 15 usc 1681 Accuracy and fairness of credit reporting. The Congress makes the following findings. Since this is not being reported to my other reports is this inacurate and needs to be removed immediately. When a company files the debt as a charge off they are suppose to be sending me a 1099c form that then is filed my on taxes as income making this illegal to be reporting to my credit report. If this is not removed immediately then I will have no choice but to file a lawsuit.
Product: Mortgage

We applied for a mortgage loan from JP Morgan Chase, and got approved and given a commitment letter. However, the underwriting asked for supporting documents a few at a time, and never reviewed timely. We were not able to close on the original agreed upon date of XXXX/XXXX/2015, and were delayed again to miss the second closing date of XXXX/XXXX/2015. When I try to contact their underwriting processors, they would not even pick up the phone, or reply to my email.
Product: Money transfer, virtual currency, or money service

I had unauthorized fees taken from my account and previous accounts. up to {$32000.00} in sent and received transactions and when i contacted support no response or little to no help or actions being done.
Product: Bank account or service

I contacted CITIBANK after receiving my XXXX consumer report and seeing several fraudulent account inquiries. I explained that I have had a case of identity theft and that I have already set notifications with the Credit Bureaus, XXXX, XXXX, as well as filed claims with multiple banks and filed a police report. 

She was unable to transfer me to the Debt Solutions division of the bank. I asked her to please close the active account immediately, as it is fraudulent and I do n't want it to affect my credit. She stated she would connect me right away with the right department to close the account. I offered to provide all necessary documentation to do so, so she could close it herself. 

Instead, she asked me to please hold and I was transferred to the XXXX. She did not close the account nor agree to investigate the fraudulent account after being made aware of the identity theft. 

I would like the account ( s ) closed and situation resolved immediately. There were XXXX credit inquiries made from XXXX and NY branches and I was told there were active accounts in my name. Whether checking accounts, savings, or credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several hard inquires on my account. They were on the XXXX XXXX, XXXX. I did authorize XXXX credit inquiry but the rest of them are fraudulent. 

They are from the following agencies. 

XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Ally XXXX I XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Student loan

XXXX has my subsidized XXXX  loans, ending in XXXX. I have tried to contact them regarding loan forgiveness after XXXX or XXXX years, but I can not get any information from them. I don't know if I need to consolidate into a direct loan or leave my loan as is to qualify for this loan forgiveness. XXXX has no information on their website, does not answer my emails and has a phone number that no one answers.