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

On XX/XX/XXXX at approximately XXXX I applied for CapitalOne Spark Business Credit Card I apply using my XXXX XXXX XXXX , then I received an email at XXXX asking me to provide 1 document from each box ( See Attached Document ) which I did I provided my XXXX  and my letter from IRS containing XXXX  ( See Attached Document ) according to the website where i applied it stated that the process would take 7 to 14 business days, but on XX/XX/XXXX a Hard Copy of my Credit Report was pulled. So I waited and waited still no response, so on XX/XX/XXXX I made a call to Capital One at XXXX at the telephone number XXXX and spoke with a XXXX she claimed she could not find my information and I explained to XXXX I had a copy of the email that was sent to me and the copy of the successfully uploaded of my documents, then I asked to speak with a Manager which she did provide a Manager name XXXX  , so I proceed to explain to XXXX  what I was experiencing and he stated there was a glitch in the system and he wanted me to provide my documents again and I stated if there is a glitch in the system you need to speak with your supervisor and let them know XXXX proceed to tell me his office was in Florida and the main office was in the XXXX  and he could not just walk over there. So I decided not to re-submit my documents and wait to see if I would get a response from XXXX or from CapitalOne still no response to date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Mortgage

Homeowners insurance was sent to XXXX XXXX in the amount of {$2200.00} on XX/XX/XXXX however it was never received as it was sent in a bulk payment. I called Truist to resolve on XX/XX/XXXX and again on XX/XX/XXXX as it was due XX/XX/XXXX and i was at risk of cancellation. On XX/XX/XXXX Truist assured me theyd overnight a new check then trace the wire and stop payment. I received a call from my insurance in XX/XX/XXXX as it still has not been paid and i wont get an extension past XX/XX/XXXX. I finally paid the bill myself and am not confident i will receive the funds back.
Product: Debt collection

XX/XX/year>, credit card debt for the amount of XXXX was paid to Resergent Capital Services, in agreement that if I pay off the debt, they would send to credit agency to have the trade line removed. And the same for XXXX XXXX XXXX XXXX debt. Debt in amount of {$360.00} was paid, in agreement that it would be removed once paid. Both accounts were paid on XX/XX/year>. 
Have tried disputing on my credit report, and was denied. Credit report indicates that it has been sold, and is a charge off. Have disputed that it has been paid in agreement of deletion. Have been denied 3 times on all 3 credit bureaus. I have contacted Resergent of this matter, and they gave me the run around with this matter.
Product: Mortgage

I applied for a FHA mortgage loan with Bancorpsouth in XXXX, AL in XX/XX/XXXX. During the loan process my credit was pulled and I was questioned on one of my creditors ( XXXX XXXXXXXX XXXX XXXX ) and the Creditor was called by XXXX XXXX to gain further information. There was discrepancies on the part of the Creditor ( XXXX ).  I explained to the Loan Officer the discrepancies. I proceeded to contact the Creditor to get the incorrect information corrected. The Creditor did an investigation and during their investigation, they found that they had in fact provided the incorrect information. Bancorpsouth requested further information from the Creditor. The Creditor stated it would take them 10 days because they would have to do another investigation. The Loan Officer insisted I hindered the Creditor getting the information to them because I had contacted them to correct what they had wrong. Bankcorpsouth asked XXXX for a pay history before, during and after the bankruptcy. I had disclosed to Bancorpsouth that I had filed a Chapter XXXX bankruptcy and at the advice of my Attorney, I surrendered the home in the Chapter XXXX and the house sold in XX/XX/XXXX, the bankruptcy was filed in XXXX ; therefore, there would not have been a pay history during and after the bankruptcy. I was denied my loan and I am inclined to believe the true reason of my loan being denied was based on my race ( XXXX American ). On XX/XX/XXXX the Loan Officer put derogatory information into the HUD system about my denial before I had received a letter from Bancorpsouth informing me that my loan had been denied. I find it very ironic that she input the derogatory information into HUD only after another Loan Officer from a different Mortgage Company requested the information from her. Due to the derogatory information that was put into the HUD system, this prevented me from getting a mortgage loan with the new mortgage company. I personally think this was a vindictive act from the Bancorpsouth Loan Officer and the Underwriter. I did not receive my denial notification from Bancorpsouth until XX/XX/XXXX days after the derogatory information was put into HUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U.S. Bankruptcy Court Chapter XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C.1681 section 602A. 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: Student loan

I believed that there is a grace period after your graduate and was unsure the amount of time was allowed before the payments started. Somehow, I got in contact with XXXX XXXX and realized that payments were being requested but by then the payments were late. As soon as I was familiar with the situation I immediately called and learned what I needed to do to start paying my student loans. I chatted with customer service and figured out that I could defer the late payments to the end of the loan and start fresh and havent miss a payment since. I was blessed and qualified for the Income-Driven Repayment plan so that helps a lot, but I have these black marks on my record and these are the only bad marks I have on my credit as of now. These late payments are for my time @ XXXX XXXX XXXX and XXXX University.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit card

On XX/XX/XXXX, I applied again for the XXXX  credit card of the XXXX XXXX chain that is provided by Chase Bank. After a tiring and delayed verification and review process, the card was approved again on XX/XX/XXXX. 
My use of this credit card was limited to a few purchases, which have been paid in full, On XX/XX/XXXX, Chase Bank issues a letter informing me that they are going to close my credit card again for XX/XX/XXXX, without an explanation, without a reason, -Previously on XX/XX/XXXX, they closed the same card for me without any explanation and without arguments, we asked that this decision be reviewed, since we were sure that it had to be due to some error, since I am not doing anything wrong, At work I use my cards and pay my bills as are my rights -For me it was very frustrating that knowing that I don't do anything outside the law they would do something like that to me. 
XXXX XX/XX/XXXX, I received a letter from the IRS apologizing for having made the mistake of confusing me with another person who owed them money and had not paid the taxes. 
-The IRS had sent erroneous information to the banking system and I had to send a copy of said letter so that everything could be clarified. 
-I didn't send the letter to Chase , but I thought everything was clear when I received the card offer again in XXXX -I attach the letter received by the IRS certifying the error they made.

-Please request a new review of this entire case, I currently do not have any checking or savings account with Chase , I only have this XXXX  card, which I ask to keep working Regards -Credit Card number XXXX XXXX XXXX
Product: Credit card or prepaid card

My account was paid off by a financial institution on my behalf in XXXX of this year. 
I received a letter - opened on XXXX that indicated the account was closed. I verified this with my noble app. 
I called capital one and inquired about the closure. They said that they had received a letter to close the account separately from the payoff that had my signature. I asked for a copy and they said they could not produce it. I explained that I never authorized the closure of the account and that it could have a potential impact on my FICO score. 
Again, they said they would not produce the aforementioned letter with my signature.
Product: Debt collection

Due to the pandemic, I lost my part time job. I defaulted on my payments so with other credit cards bills, agreed to consolidate all my credit cards. XXXX XXXX XXXX XXXX of XXXX XXXX, NV. took all my credit cards details and numbers and entered into a agreement with me. On XX/XX/2021, a confirmation letter from XXXX XXXX XXXX XXXX wrote confirming that they have come to an agreement with the credit cards company. They set up a monthly payment through my checking account for the XXXX of each month for an amount of {$340.00} to be disburse to my creditors. The money is being taken without fail since XXXX but Northstar Location Services LLC on behalf of XXXX XXXX has continue to send threatening letters, their last letter dated XX/XX/2021 threatening to get a judgement and indirectly insinuating what they can go after to collect the debt. The credits cards companies are : 1. XXXX XXXX  - {$8100.00} 2. XXXX XXXX - {$2300.00} 3. XXXX - {$2900.00} 4. XXXX  XXXX - {$3800.00} 5. XXXX XXXX - {$6100.00} 6. XXXX - {$3500.00}
Product: Credit card or prepaid card

American Express - I always keep a well paid balance 's in on my personal and business credit reports.
I had one personal and another business credit card. XXXX 2015, I closed both, and paid off the personal account approx 4,000 Dollars, and requested they provide proof of the business account was mine, approx 3,000 Dollars owed. They resisted to provide it to me, and for month 's diverted the calls to another department, in XXXX and collections agency. I communicated with the debt collection agency about my concerns, and American Express eventually provided Bank Statements in XXXX of 2015- I called AMEX Headquarters in XXXX, and XXXX XXXX to discuss and they still resisted to show me the business account belonged to me, and that I was in fact responsible for the balance. When the balance showed up on my personal credit report, I acted straight away and paid if off in Full. I 've used various methods Lawyers, Reporting agencies to try and resolve this matter on my reports. I need to take legal action.
Product: Mortgage

Since XXXX/XXXX/XXXX when I started a Request ID # for a Release of Deed of Trust from Bank of America on the mortgage loan I paid off in full on XXXX/XXXX/XXXX. XXXX County in XXXX is waiting so a title can be released. I have tried to work through approx. XXXX contacts to get this done. 
I have been given wrong information and been refused contact with supervisors. I was told that this ca n't get done for 3 mo. to 1 year and they keep changing stories/info. 
I did what I was required in paying loan on time and closing loan. Why ca n't Bank of America get their act together and do what it takes to get me the title to my home. 
If I wanted to sell the house or had too, I would n't be able to do so in a timely matter and would miss out on a possible opportunity because of their delays. 
Bank of America told me back on XXXX/XXXX/XXXX that I would receive proper title and documentation in 1-3 mo. I received a cover letter and the original NOTE by XXXX XXXX XXXX both stamped PAID in Full and loan paid off. 
The reps that have worked on this keep saying that they need something from XXXX XXXX? They have had since XXXX/XXXX/XXXX to get this. This Company is out of business. 
This is what happened over the period of the loan:XX/XX/XXXX opened 30 yr. mortgage loan with XXXX XXXX XXXX. 
XXXX/XXXX/XXXX loan was transferred over to XXXX XXXX XXXX XXXX XXXX , XXXX loan was again transferred over to Countrywide Home Loans , XXXX XXXX XXXX XXXX to be effective XXXX/XXXX/XXXX. 
In XX/XX/XXXX per rep Bank of America said they took loan over from Countrywide because mortgage scandal/bankruptcy. ( Note : Bank of America has had since XXXX to get all documents in order on the account. ) Also note that this loan was not with any mortgage co. for more than a mo or two till Countrywide from XXXX/XXXX/XXXX to XX/XX/XXXX. 
My request is to have documentation ( Request of Deed of Trust ) to XXXX County by XXXX/XXXX/XXXX. I was told when the 1st request Id was created the date would be XXXX/XXXX/XXXX. Since there are response times on this report this gives over the 15 day period. 
I also feel there should some type of fine or reprimand just like if I missed a payment I would get a late payment charge and could even get foreclosed when I was paying the loan payments. 
Note : None of the below apply this loan is paid off!! 
Also every time I contacted this company and had conversation I was informed that the calls were being recorded. They have all dates and information from my calls. 
I also have account numbers and documentation on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to Citi. Thanks!
Product: Mortgage

I am in Chapter XXXX bankruptcy. My mortgage was sold to Fay Servicing in XXXX XXXX. In XXXX I was struggling to make mortgage payments. I finally got caught up with my payments, as I was aware, in XXXX XXXX. In XXXX of XXXX I called my account manager at the mortgage company and asked her to tell me where I was in my payments. She never returned my call. It turns out at that point I was less than {$60.00} behind. I missed XXXX 's payments due to some car repairs. In early XXXX the mortgage company filed to remove themselves from the bankruptcy. On XXXX XXXX, I sent XXXX 's mortgage payment. Unbeknownst to me, the mortgage company changed their mailing address and never informed me. As a result, the payment was lost for approximately two months. Now Fay Servicing tacks on a {$900.00} attorney fee. For being what was basically one month behind in my payments. By the end of XXXX all payments were current. In the court hearing with Fay Servicing to find me in default of my bankruptcy agreement and the subsequent paperwork the trustee sent to me, I discovered that Fay Servicing once again changed their mailing address without notifying me. If it were n't for the paperwork received from the trustee, my payments would again be lost, and I would lose my home. I believe they are deliberately not giving me crucial information so they can foreclose on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax proof of the true debt that I owed to XXXX XXXX XXXX ordered by the Court of Magistrate of XXXX Georgia XXXX County I also sent them a copy of the certified check stub from XXXX XXXXXXXX XXXX XXXX and the amount of {$1100.00} which is stated on the court order I've disputed this multiple times the amount that reported by professional debt mediation is incorrect on behalf of XXXX XXXX XXXX I should have been deleted from my credit report because I paid it and have shown proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and they said they would only run my credit once and they shopped it to multiple agencies. 

I also think i'm a victim of identity theft as i do not recognize these accounts listed in the FTC report that i have attached below. 
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit reporting agencies are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit reporting agencies written permission to furnish these accounts
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Subject of Complaint : Request for Assistance with Inaccurate Credit Reporting and Debt Validation Complaint Details : I am filing this complaint to address the following issues related to my XXXX credit report and the reporting of an alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Inaccurate Personal Information on Credit Report : I have previously requested XXXX to update my personal information to reflect my correct details, including my name, date of birth, Social Security Number, and address. Despite multiple written requests dated XX/XX/, and XX/XX/, the incorrect information remains on my credit report. This discrepancy has significantly impacted my ability to purchase a home, as creditors are basing decisions on inaccurate data. 
Debt Validation Issues Related to XXXX XXXX : An alleged debt from XXXX XXXX  with Account # XXXX in the amount of {$11000.00} is reported on my credit report. I have sent formal debt validation requests to XXXX, per the Fair Debt Collection Practices Act ( FDCPA ) requirements, requesting documentation such as : Proof of assignment showing that the debt was transferred from the original creditor. 
Detailed breakdown of the debt amount, including any fees or accrued interest. 
A copy of the original agreement bearing my signature. 
To date, XXXX has not provided adequate documentation to substantiate this debt. Under FDCPA regulations, I requested that all collection activities cease until validation is provided. My attempts to resolve these issues with XXXX have not been successful. 

Impact on Creditworthiness and Financial Well-Being : The inaccurate information and unvalidated debt continue to harm my credit score and impede my financial plans, including securing housing for my family. 
Resolution Requested : I request that the CFPB intervene to ensure XXXX : Corrects the inaccurate personal information on my credit report. 
Provides appropriate documentation or removes the unvalidated XXXX XXXX debt from my report. 
Supporting Documentation : Copies of my previous requests to XXXX ( XX/XX/ ; XX/XX/XXXX  ). 
Identification documents ( Drivers License, Social Security Card ). 
Previous credit reports showing disputed information. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.