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

Greetings my complaint is driven by Capital One lack of respect do to me, As a Consumer, I have rights so I choose to exercise them. I contacted Capital One to inform them of the inaccurate reporting of my private information and how continuing of such reporting would be against consumer law and an act of fraud as I will prove to you also There are XXXX alleged debts that they are reporting on my consumer profile both are Collections according to my XXXX Profile, I have disputed these accounts numerous times with XXXX and they refuse to Delete them, they always give me the same answer Verified, Only I can Verifiey something. Now Only on my XXXX profile are these accounts being reported I disputed them with a couple others reporting agencies like XXXX and XXXX XXXX and they deleted them ( no problem!!! ) so after so many failed attempts I reached out to Capital One on the XX/XX/2023 which I will attach ( Now that alone should be enough reason to show that the information is indeed inaccurate because the same information is not being reported across all the other third-party reporting consumer agencies, and only 100 % accurate information can be reported according to consumer law that's grounds for deletion, Also according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to 15 U.S. 1681 ( e ) income is not included in a consumer report so if income is not part of a consumer report and a charge-off/closed account has been reported it is fraudulent and deeming it illegal because they filled a XXXX and did not inform me. They never sent me a XXXX form to inform me that the alleged debt was canceled and they never sent my XXXX so I could file this income on my upcoming taxes Both alleged debts are as stated XXXX is {$4400.00} and the other one is at {$3900.00} which was originally {$3000.00} and they taxed {$900.00} on it. I filed Identity theft to that charged account because my CC was unlawfully used and they refused to do anything about that and I filed a complaint with XXXX against them and identity theft with identity-theft.gov, when this occurred last year by Consumer law a Creditor can not report an identity-theft account as a Charge-Off on a Consumer report and once again if they canceled the debt by way of Charge-Off then they owe me a XXXX for that alleged debt too. My rights have been abused and misused by both companies Capital One and XXXX for due process by law I need these accounts deleted and Cease and Desist from any and all future
Product: Credit reporting

I am disputing because Experian is reporting late payments for XXXX XXXX XXXX from XX/XX/2009 and it has been over the 7 year time per the FCRA : Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late and was never again current. This is known as the original delinquency date. 

Therefore, it is the duty of Experian to remove XXXX XXXX XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Any creditor to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. All accounts in dispute listed below : Ability Recovery Service XXXX XXXX XXXXXXXX XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

I am reporting the account " XXXX '' account number : XXXX I would like to make it clear this IS MY ACCOUNT. HOWEVER, XXXX has XXXX used my credit report with inaccurate dates. Since the beginning of this year XXXX has only reported ONCE. Out of TEN MONTHS, XXXX has reported Charge-Off on XX/XX/year>. THATS IT. I called the number on my credit report " ( XXXX ) XXXX '' and they refused to help me, saying " call XXXX XXXX XXXX '' Which I called, and they too have NO ANSWER for my credit reporting problems. They want me to pay off my debt, but they can't even report it accurately every single month. I asked them to transfer me to a XXXX so I can ask them why hasn't my account been updated in 5 months? Only to be told " the managers are all busy '' I call back, and they tell me the same thing over again. None of the reps we're from the US, and they refused to help me with my credit report being inaccurate for 5 months, they just tell me " Want to make a payment? Our managers are busy. '' I need this account to be updated so that I can pay off my credit card, and know that it will be updated properly, and reported correctly, otherwise this account needs to be removed from my credit report if they continue to misuse my credit report, because I have a {$480.00} balance that I am ready to pay, but they are not reporting it for months at a time. XXXX has not reported my Experian & XXXX XXXX XXXX for XXXX out of 10 months this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a letter to Credit Collection services regarding an account they are reporting on my credit report. It is still showing up as an open account, paid collection. 

This account should have never been reported as a collection. This balance was paid with the original creditor. They have not responded to me, they havent removed it from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Why did your company sell my information without my consent either verbal or written to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a charged-off debt that you filed on taxes in XXXX and never sent me a 1099c as per FDCPA. Furthermore this company is very misleading stating you are there client? Did you sell a charged-off debt or are you being represented by this company as per the included letter I received for that company. I am sure you are aware this is a violation? This account was reported as a collection/charge-off. The reporting of this accout is incorrect as there is showing a balance of {$2600.00} on a charged-off account as of XX/XX/XXXX. Under the FDCPA 15 USC 1692g debt validation, there are numerous violations to your account and account reporting. Per the documentation submitted with this complaint, you will see the dates of the original creditors charge-off account with original alleged debt amount as well as the new increasing monthly debt? Also, the fact you are showing representatives as a law firm and not a debt collector is very misleading! Also, it is a violation of the FDCPA, I do believe. I would like to also know the exact nature of the increasing fees on the debt since the new reported debt by your company is showing from {$2900.00} to as high as {$3200.00} in the letter your company just sent? These discrepancies are gounds for dismissal alone. Furthermore, my income is protected as that it's all XXXX income that is uncollectable for debt. This is easily verified. I have never received a 1099c from XXXX XXXX XXXX for the debt charge-off, which makes this income, which, at this time years later is also a violation. AlsoI urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. I do believe that the status of this accout is incorrect and that I have proofed that with the included documentation. Also as per tge provided documentation can you explain how you can just change a charged-off original date of XX/XX/XXXX to now relect XX/XX/XXXX? Again repirting incorrect information which again is a violation. I am giving you the opportunity to delete this account from your collections as well as from all three credit reporting agencies before I request litigation to show all the inaccuracies and misleading representations as well as the fess that are accumulating on the account with the numerous total amount due balances on a charged-off account. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters. 

ATTACHMENTS
Product: Credit reporting or other personal consumer reports

Dear Credit Agencies, I am writing to formally request the removal of my accounts and all associated personal information due to the mishandling of my data by XXXX, XXXX XXXX Experian. 

According to 15 U.S.C. 6802 ( b ) of the Gramm-Leach-Bliley Act, companies must : Clearly inform customers if they plan to share personal information with other companies. 
Provide customers the option to opt-out of such information sharing. 
Explain how to opt-out. 
My Concerns : No Clear Notice : I was not clearly informed that my information would be shared with other companies. 
No Opt-Out Option : I was not given the chance to opt-out of having my information shared. 
No Instructions Provided : I was not told how to opt-out. 
My Request : Remove My Account : I request that my all accounts dealing with XXXX be DELETED! And all my personal information be permanently deleted from your systems. 
Confirmation : Please provide written confirmation that my accounts has been DELETED and my personal information has been deleted. 
Please acknowledge receipt of this letter within 30 days and confirm that my request will be processed promptly. 

Thank you for your immediate attention to this matter. 

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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative processing ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Back in 2015 I was found unconscious and rushed to the hospital. I had an XXXX that had XXXX  causing my XXXX XXXX XXXX XXXX XXXX. I was in a XXXX for a bit and it took a while to get out of the hospital. It took even longer before I could get back to work as the injury had caused such severe memory issues that kept me from being able to hold a conversation or remember something for more than 2 minuets, at best, at a time. We immediately met my max out of pocket amount from my insurance company. My parent was advised that due to my circumstances she should draw up a letter of financial hardship to request help from the hospitals charity which was approved. The hospital 's charity took care of my out of pocket liabilities and my insurance company covered the rest. I was informed by my mother, who was handling all of this in my diminished capacity, that XXXX had sent a bill which she forwarded to the insurance company which reviewed the bill and told her they had already paid them their negotiated rate so do not pay this bill or anything they send you in the future as we were not liable for any other charges. Five years later I have had multiple collections companies try to collect on this same debt I was told by my insurer I didn't owe. I have had medical issues I've tried to get funding to resolve, that because of these collections agencies, I couldn't and still can't get funding for and have still yet to get fully resolved. Because of my time out of work, my diminished mental functioning at the time and getting laid off this caused us to lose my mother 's car, our apartment and caused massive amounts of financial struggle. XXXX of XXXX XXXX XXXX is the initial issuer of debt and the newest collection agency to acquire this undue debt is PHNX FINAN according to my credit monitoring tool. Please help get this resolved as this has caused extreme amounts of stress and further health issues not directly tied to a very traumatic period of my life half a decade ago.
Product: Debt collection

Dear Official : I am the victim of a paired instance of criminal XXXX and identity theft, which was visited on me by the following entity. whose identifying information and other last known data are enumerated, severally : XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... .... Last known drivers license PA XXXX Date of Birth of XXXX XXXX ... ... ... .. Born XX/XX/XXXX Last known address for XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... XXXX XXXX XXXX XXXX, XXXX PA XXXX United States Last known occupation for XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... ..Reverend/Minister of Religion The act of identity theft was placed on my person by XXXX XXXX, a former Reverend of a former church in linked state of his former domicile address, in the area of XXXX Pennsylvania. Further note, the mode of operation for XXXX XXXX, was the unauthorised removal of a naturalization certificate ( U.S ), which attests to my privileges and protections as a United States Citizen.

Currently, this document and the whereabouts is critically required, as there are other attempts and actual instances of fraudulent credit card charges being made in my name. As proof a current creditor keeps sending mail to my daughters adress, an address which is not my home. Information for the creditor who it appears is making arbitrary attempts on my financial strength is enumerated severally : " ... .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Current Creditor LVNV Funding LLC Original Creditor XXXX XXXX XXXX XXXX XXXX 
Account Number -- -- -- -- XXXX Charge off Date XX/XX/XXXX Amount Due as Of Charge off -- -- -- {$690.00} Date first delinquent -- -- -- -- XX/XX/XXXX Other information linked to XXXX XXXX XXXX XXXX We have a limited amount of time before the above referenced account is recalled from us and reviewed by a current creditor for placement with a law firm. As of the date of this letter, you owe the outstanding balance of {$690.00}. If you pay {$690.00}, the above referenced account will be considered paid in full ... ... ..... 


XXXX XXXX Account Manager XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... '' Further Comments from complaining consumer below - I am disturbed that in the wake of my report to the Police in the state where the crime took place, that the perpetrator XXXX XXXX, is able to use my identity as he apparently has been doing. Therefore, if the need is there for the involvement of constabulary intervention, please freely do so, as my health and other forms of safety are being impacted. 

Finally, thanks for considering all complaints and all the solutions your office and teams have presented to date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX / XXXX Email : XXXX DOB : XXXXXXXX  SSN : XXXX Driver 's License : XXXX Place of birth Idaho XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Re : Application ID : XXXX Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent decision regarding my application for a credit card ( Application ID : XXXX ), dated XX/XX/XXXX. 

While I understand that my application was deemed incomplete or unverifiable, I would like to request further clarification on the specific information that may have led to this decision. I believe I provided all necessary details, and I would appreciate the opportunity to address any discrepancies or omissions. 

Here is my personal information for your reference and verification : 1. Full Name : XXXX XXXX 2. Date of Birth : XX/XX/XXXXXXXX  3. Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX 4. Email : XXXX 5. Phone Numbers : XXXX / XXXX 6. Social Security Number : XXXX 7. Driver 's License Number : XXXX Please provide me with a detailed explanation of the reasons for the denial, including any specific information that may not have been verified. I am also contacting the consumer reporting agencies mentioned in your letter to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

I own a home that Shellpoint Morgatge services. On XXXX of 2021 I got a call from my neighbor telling me that there was a person trespassing on my property, at the time I was away from my property in XXXX and it would take me at least 2 hours to get back to my home. My neighbor called me and there was two people replacing my locks on the front door and installing a lockbox on my home. These people went inside my home and placed stickers on all my windows, I asked them on speaker home to please leave and not enter my property and they assured me they had been sent from Shellpoint mortgage to secure the property because it was vacant and I was delinquent on my monthly payment. I explained my home was not vacant, the A/C was on there is water and the lights are on, in addition I was not delinquent on my payment. I called shellpoint mortgage and they explained this had been a mistake that they would send XXXX their 3rd party contractor to put my lock back and to remove the lock box. It has now been a month and I have not accessed my home, they have not put my locks back, they have not removed the lock box. Every time I call they tell me We are waiting on the Third party. I have been out of my home for the last month and all over a mistake that Shellpoint made, they have done nothing to resolve this, how is it possible that a mortgage company can block entrance to a family 's home? how is it possible that I have been locked out of my home for a month now with no way in, they send a third party to trespass into my property and remove my lock, that is stealing something I own, on my property. I am making a monthly payment on my house that I can not enter due to Shellpoint mortgage.
Product: Mortgage

We called my Mortgage Company my finance and I in XX/XX/2018 of this year and ask them was there anything they could do because my son was having a XXXX XXXX Transplant due to his complications of his sickness, Not only did I provided all the documents as far as my XXXX, I also time taken off work, which was from XX/XX/2018 until XX/XX/2018 because I was my son care giver at the hospital I stayed from the beginning to the the end of the procedure. I explained to them with me taken off work it will put us behind with our mortgage, they told me sure I will see what I will do, just provided me with everything.The hospital Social Worker wrote a letter. From the time I sent all my paper work while in the hospital until now. It is now the end of XXXX they still say send me this, send me this, but he wait until 3 week just send me this, another two weeks just send me this. I don't know what else to do were trying to play catch up of course they return the money back. We told them we don't want to sell our home, they still ask. I fell I were being discriminated against. Can you help please me with some advice.
Product: Credit card

About two months ago, I didn't receive my credit card. I pay with apple pay. I informed boa that my credit card was stolen and the amount was XXXX. I suspect that someone has taken my credit card, which has not arrived in my mailbox until now. They immediately returned the money and sent me a new card. Just the other day, I received a letter from the boa informing me that the XXXX spending was unsuccessful and that they believe I spent the money myself and will deduct it from my account next month
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN XXXXs Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously