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

I have been a loyal customer of Capital One for years. I have kept current with my payments all up until the pandemic where I lost my job. I still communicated with capital one in attempt to remain current despite my precarious situation. Capital One not only refused to accept payment from me, but also closed my account with my consent. In XXXX I communiated to Capital One that I would tender a payment to them which they refused to accept. It has recently come to my attention Capital One has reported inaccurate data on my accounts for months. This an example of fraud. They breached my privacy and furnished data they had reason to believe to be incorrect. They also furnished data not permissible under the Fair credit reporting act. The account is currently being reported as a charge off and charge off accounts are not valid debts nor a certificate of indebtedness. To still be reporting data on an account which was written off, charged off, and/or you recieved compensation for is tantamount to Identity theft. Attached is a copy of my identity theft report filed with the FTC. 

I have reason to believe this is a billing error. Not only is it a billing error but it is an example of willful inaccurate reporting by the furnisher. I am demanding you delete all late payments, remarks, payment status, and charge off status. Until a full file disclosure is delivered to my address in accordance with 15 usc 1681g ( a ) ( 1 ), all potentially negative or adverse information should be blocked until the dispute is resolved in accordance with the consumers desires. 

Capital One Bank ( USA ) N.A has acknowledged this account is under dispute yet is reporting the dispute as resolved every month. Pursuant to 15 U.S. Code 1681s2 ( a ) ( 3 ) the financial institution furnishing information to consumer reporting agencies must meet the requirement by reporting that the account is in dispute status. As of XX/XX/2022, the major credit reporting agencies are not currently reporting the account as in dispute status. This is a failure to meet the requirement of reporting my accounts as disputed information. 
A financial institution such as Capital One Bank ( USA ) N.A must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement. I have not received such and I have reason to believe Capital One Bank ( USA ) N.A is in violation of 1681s-2 ( 7 ) ( A ) ( i ) by not meeting this requirement. 
Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) financial institutions like Capital One Bank ( USA ) N.A are prohibited from furnishing any information relating to a consumer if they have reasonable cause to believe that the information is incorrect. The phone calls and complaints delivered to Capital One Bank ( USA ) N.A along with the subsequent responses cause me to believe that Capital One Bank ( USA ) N.A is aware of the inaccuracies being reported and chose to willingly and knowingly report the information.
Product: Mortgage

I sold my house on XXXX/XXXX/XXXX I was to receive my overage of my escrow of about {$2700.00}. My mortgage company was Ditech Financial LLC. XXXX XXXX, XXXX XXXX, SD XXXX, XXXX, fax # XXXX. I have been contacting them for months trying to get them to release my money. Each time I call I 'm told that I should receive my check within the next 10 days. After the 10 days no check ... .. Last week I believe on XXXX XXXX or so I called again.This time they asked a manager to help. The manager asked for my routing # and account # that they would wire me the money by the end-of-the-day. NO MONEY AGAIN. I then called them the next morning asking why they did not wire my money. I was told to leave a message for the manager. At that time I stated that if I did not receive my money by the end of business that day I would be filing a complaint. As of today I still do n't have my money ... ... 

I have given this company my up dated address a few times and my checking account information.I sold this house XXXX/XXXX/XXXX and today is XXXX XXXX, XXXX
Product: Debt collection

I called and spoke with a representative from the collection agency listed on my credit report. L J Ross Associates Inc located in XXXX Michigan.  I provided them with the account number listed on my credit report and they said they couldn't find my account.  I also reached out to the original creditor XXXX XXXX XXXX located in XXXX Michigan and was unsuccessful.  The complaint number was XXXX.  I have attached the page of my credit report showing the account.
Product: Mortgage

We had a company. My wife over saw the office, she was diagnosed having XXXX. that was about 20 years ago. My wife is on XXXX.. I was out in the field. We sold after 40 years not by choice. I XXXX  my XXXX  in 1997 XXXX took about 3 years to get on my feet. Now im on XXXX. My mortgage was XXXX  XXXX  then sold to XXXX XXXX who just sold to Shell point MTG. 
I have as of today not received any notification that I was getting a new mortgage company, final notes about the account. 
All of s sudden I have the new company, No notification nothing. So in the transition i seem to have lost a payment or so now my account seems non retrievable. My main reason for getting behind was i XXXX  my XXXX  then XXXX  my XXXX  XXXX  completely. XXXX, XXXX, XXXX this year i had 2 major XXXX  which left me XXXX XXXX.. Im trying on my end slowly but im not in fighting node to dig thru piles to locate payments. 
I know what my conversation was with XXXX XXXXXXXX when i made my last payments. 
I dont know my account number with the new company Please help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX Bank credit card account is still being reported as XXXX days late with XXXX, and Equifax. The account was previously reported 90 days late with XXXX as well. On or about, XX/XX/2022, a dispute was filed with XXXX regarding XXXX Bank ( Credit Card ) reporting XXXX the account days late. XXXX Bank XXXX Credit Card ) updated, and corrected the information with XXXX ( no longer being reorted XXXX  days late with XXXX ) on XX/XX/XXXX of XXXX  ; however, XXXX Bank XXXX Credit Card ), continues to report or relfect XXXX  days late with XXXX, and Equifax, and should not be.
Product: Checking or savings account

In XXXX of XXXX I opened a chase savings account. I made a deposit of over $ XXXX. Ive estimated that im responsible for about $ XXXX that was accessed by myself. Ive tried to handle this with J.P. Morgan chase to which a representative told me that $ XXXX was actually taken, I then received a credit to my account of about $ XXXX. Thats not what was taken at all. Chase was responsible when I was not informed of suspicious activity on my account. For months they let transfers and charges and withdrawals that I did not and would not authorize.
Product: Debt collection

On XX/XX/2019, I requested the collection agency, DIVERSIFIED CONSULTANT INC, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, to validate my debt under the Fair Debt Collection Practices Act and have asked to provide 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 you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I have advised them if their company fails to respond to this validation request within 30 days from the date of reception, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } request shall be sent to me immediately. 

I have given them 30 days to remedy the situation, which is a very reasonable period. And I have received no reply from them, though I did receive a confirmation via certified mail that they have received my letter on XX/XX/2019 usps tracking:XXXX Those actions do not meet the Federal Trade Commissions guidelines that demand collections agency to properly validate the debt upon request. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item.

I have advised them that reporting this account on my credit report, now put them in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX - Account Number:XXXX Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account Number:XXXX  Please remove inaccurate reported late payments and update to paid as agreed XXXX  XXXX - Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I need you to delete this erroneous account at once please I didn't ever give written permission for any credit reporting agency the right to report this account please provide you with the proof that I gave you written instructions to report negative items on my consumer report I didn't give you written permission to do thats defaming my character its slandering my name you making me look like a bad person that I don't pay my bills that's actual damages this is defamation
Product: Student loan

I have scheduled automatic payments. The payments are not going through because their system does not process the payments. I have been charged many times a return check fee, and I have to manually make payments.I need full refund on {$20.00} x number of return check fee and the system to process my {$50.00} payment on schedule. The interest of 9.9 % is inhumane, borderline slavery and an embarrassment to all of mankind. XXXX
Product: Mortgage

On XX/XX/XXXX, I engaged XXXX to dispute on my behalf, the reporting of incorrect information of a short sale by Nationstar on my 3 credit reports. All 3 reports contain incorrect information regarding the dates of when the mortgage was opened ( some say XX/XX/XXXX, some say XX/XX/XXXX ) and dates closed as well ( some say XX/XX/XXXX, some XX/XX/XXXX ) in addition to various other incorrect listings. They went through the first round of disputes starting in XX/XX/XXXX and gave the agencies 45 days to verify. Nothing changed. We then went through a second round of disputes beginning in XX/XX/XXXX and nothing was changed. In XX/XX/XXXX, XXXX produced validation demands to Nationstar to send me the signed contracts, statements and detailed billing that was used to report the information to the credit agencies. They have failed to do so. They were then sent a non-compliance notification in XX/XX/XXXX and no response was received. Now, according to the Fair Credit Billing Act, this information should legally be removed entirely from my credit reports as some are incorrect and they have failed to send any supporting documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SS # : XXXX XX/XX/XXXX Re : Hard Inquiries To Whom It May Concern, I would like to dispute the following hard inquires on my credit report. Under the Fair Credit Reporting Act ( FRCA ), Section 611 ( 15. U.S.C 1681i ), unverified inquires must be removed. Please investigate and remove any unverifiable 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
Product: Student loan

I have been trying for 2 weeks to get someone in customer service to answer questions about my repayment and I have been on hold for 1-2 hours. I am unable to get anyone live at all to talk with and now I have another bill that is due in 2 weeks that is in a repayment status that I didn't request ( I have requested XXXX for all of my loans and this one is listed as level ). It is so extremely frustrating to be told I owe money but not be able to talk with anyone about the problem. I can't even request a forbearance while I work this out because I HAVE TO TALK TO SOMEONE. The more research I have done shows that MOHELA is HORRIBLE with customer service and getting someone on the line. This is unacceptable.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 {$300.00} was sent from our Wells Fargo account through XXXX to a person supposedly named XXXX XXXX, whose email address was XXXX. Wells Fargo confirmed the transfer by sending confirmation code XXXX to my wife XXXX XXXX. That transfer occurred about XXXX XXXX   MST. The money was in exchange for 2 XXXX football tickets for XXXX XXXX & XXXX XXXX. The tickets were promised to be sent to my XXXX Account, but never were. 
My wife spoke with Wells Fargo and they said nothing could be done. They did not offer to identify the bank connected to the XXXX XXXX email. 
The tickets were advertised on XXXX XXXX. 
I spoke with customer service at XXXX to no avail ; they said it was Wells Fargos issue and would not identify the bank that was connected to the XXXX XXXX email in their system. I also informed XXXX of the fraudulent advertising. 
Everyone passes the buck and scams like this perpetuate. Hopefully you can gets Wells to reimburse us for this complaint. Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/23. & XXXX XX/XX/23. {$50.00} XX/XX/23 {$20.00} XX/XX/23 {$200.00} XX/XX/23 {$300.00} These amounts were transferred from my personal checkings accounts to my investments and it does not include amount already in my investment account. 
Plus interest earned. 

I noticed a {$300.00} and they simply responded with s to stating amounts were reversed. That was not true.
Product: Mortgage

Fraud, Financial Identity Theft and Civil Theft of a Note. 

The Trust does not exist : XXXX XXXX XXXX XXXX XXXX XXXX. Please note that the trust first registered securities with the SEC in XXXX XXXX. However, the trust filed a Form XXXX Termination of XXXX XXXX XXXX in XXXX. 

NO LEGAL STANDING Charter Capital Corporation in XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charter Capital Corporation XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, Asset Backed Certificates, XXXX XXXX alleged, Holder, Attorney in Fact, but not Holder in due course using a void Note.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX keeps showing that the home was a foreclosure but the home was sold. I have had 3 creditors turn me down do this this. I had 2 loans for the same home one was for grant money Of $ XXXX which was also paid in full I don't have the acct number for that one. The other was the loan for the house and it was paid in full both on the same day
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate/ incorrect. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my 2nd request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for the dispute below : XXXX  XXXX XXXX XXXX. The following information is reporting wrong, Delete it
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting

I currently use XXXX to monitor my credit. Recently noticed drastic decreases in my score based on claims of " maxed credit cards. '' I have XXXX credit cards with a total of {$27000.00} in available credit. Total for all for cards is {$14000.00} = 53 %. The card amounts are as follows : XXXX : {$8700.00} with {$14000.00} credit ( 60 % ) XXXX {$2600.00} with {$4500.00} credit ( 59 % ) XXXX XXXX {$2400.00} with {$6500.00} credit ( 38 % ) XXXX {$410.00} with {$2300.00} credit ( 18 % ) This represents a clear falsification of my information by XXXX of the credit bureaus, XXXX and Experian who dropped my credit in XXXX month from XXXX to XXXX and XXXX respectively. This impacts my ability to purchase a home as well as impacts my ability to achieve a lower interest rate. The impact may be XXXX of dollars which I feel they are liable for due to the false information submitted by the XXXX reporting agencies. 

I have complained in the past regarding their sudden changes to down grade accounts and substantially slower times in increasing rates even after sustained consistent good credit management. Please take the necessary action to require them to increase the scores. This may be a potential for class action suit as I am sure I am not the only person experiencing these false reports to my credit.
Product: Debt collection

I recieved a bill from the collection agency on XXXX-18. After recieving the bill for the amount owed. I responded to the collection agency with a verification of debt letter. Soon after, I recieved another letter from the collection agency asking me to settle the amount for lesser than what is owed. The collection agency has yet to validate the debt, nor have they responded to my request. Due to the fact that the debt is not validated, I request that the CFPB have it removed from my credit report.
Product: Debt collection

I had received a letter from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX? ) representing Portfolio Recovery Associates, LLC regarding a XXXX XXXX XXXX . The letter states they are attorneys. Yet online no listing in the XXXX XXXX XXXX nor Wisconsin Bar ; the letter states that they work out of XXXX, WI. The only time a debt collector needs to hire attorneys is to protect the firm against the Unfair Debt Collection Act and other regulatory complaint. The firm is asking me to pay an additional {$120.00} to take the case. It is Portfolio Recovery Associates that hired them not I. Again, Debt Collection agencies only hire law firms if the Debt Collector has broken the law or are knowingly engaged in illegal or unethical practices. The law firm in question has several illegal and unethical outstanding complaints. I believe there is collusion on both companies and would like my debt handle by another firm not has no association with the law firm or this debt collector. The phone number for the law firm is XXXX Portfolio Recovery 's phone number is XXXX I believe that after investigation of this matter that the fake law firm should be fined to the point that they must file bankruptcy. Also, Portfolio Recovery should be monitored more closely as their workers do n't sound licensed or that it is current. Portfolio Recovery Associates is aware that XXXX, ect. Is not a real law firm. Anyone that is an actual lawyer that collects debts works on high end side like yacht and jet loans recovery. Not my account. A simple debt collector just needs a high school diploma, pass a background check and pass regulatory testing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX