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

I asked Capital One to assist me with late payments I had over the years with them that have destroyed my credit history completely. When the payments were late, I notified Capital One that I was struggling and the payments were not supppsed to be reported as late. I had to move across the country to care for an ill parent with XXXX and could not find employment. 

I contacted Capital One this year XXXX XXXX ) and they gave me access to a portal to submit a good will letter with details all to turn around and say I dont have accounts with them. This is a total waste of my time. Capital One is a predatory lender, completely unwilling to help those who need help the most. 

Now, when I am trying to start a family of my own, its nearly impossible. I wish Capital One would remove these payments! I havent missed any payments with them since XXXX!
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, TU, XXXX. XXXX, TU, XXXX has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

Ive noticed that these late payments are not consistent with my usual payment history, which is generally on time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX. XXXX / XXXX I do not recognize these inquiries : XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I BOUGHT SOMETHING ON XXXX.THE SELLER SENT THE PACKAGE TO A WRONG ADDRESS IN MY AREA TO MAKE IT LOOK LIKE I GOT THE PACKAGE.WHEN I STARTED THE DISPUTE WITH PAYPAL THEY AWARDED THE SELLER BECAUSE HE UPLOADED THE TRACKING AND IT SAID DELIVERED.WHEN I CONTACTED UPS WITH THE TRACKING THEY SAID IT WAS THE WRONG ADDRESS BUT COULD NOT TELL ME THE ADDRESS BECAUSE OF PRIVACY ISSUE.I NEED BACK MY MONEY.


!!!!!!!THIS DUDE IS A XXXX DUDE SCAMMING AMERICANS AND PAYPAL IS HELPING HIM!!!!!!!


THIS SELLER IS A SCAMMER. HIS WEBSITE IS XXXX   OTHER PEOPLE ON THE INTERNET KNOWS HE IS A SCAMMER 

LOOK AT THIS XXXX  POST XXXX   AND THIS XXXX VIDEO XXXX IF I DO NOT GET MY MONEY BACK IM SUING PAYPAL
Product: Credit reporting

there is a fraud account listed from XXXX # XXXX that was opened back on XXXX which i have disputed numerous times with the creditor and the credit reports for months now the creditor sold this fraud account to XXXX as a charged off account when in dead it was a fraud account, the creditor never followed up with my disputed and ignored my disputes and never resolved the fraud dispute with this account and needs to be removed from my credit files.
Product: Mortgage

We had broken pipe in the XXXX floor bathroom, while away on vacation for 2 weeks. There was mold when we came back on XXXX XXXX 2015.We did not wait for insurance claim check and hired and paid in full licensed mold remediation company. The job was completed on XXXX XXXX 2015. Nationstar Mortgage received our endorsed claim check for mold remediation on XXXX XXXX 2015. It is a nightmare ever since. For the past 2 months I called to loss department XXXX times, every time they ask the same information over and over.After I sent to them Documents numerous time ( they can not read the signature, they do not see XXXX balance on contract, they lost my contract all together and can not find it XXXX they would say it will take 5 business days for resolution department to review my claim. The next time I call we would start again from square one with an other representative, who would start reading notes, etc. It seems nobody can do their job in Loss Drafts Department. They hold my claim check for Mold Remediation for 2 months. Every time I call they come up with something new. Today Rep by name XXXX XXXX read the notes again, and told me someone will call me back in 2 business days.
Product: Credit reporting or other personal consumer reports

Between XX/XX/2023 and current, Ive been submitting letters for accurate reporting to Experian. To date, the company allows things to be placed on my credit report without validating the information.
Product: Debt collection

No. XXXX. The matter is reported to the authorities. United States Department of Education, get these illiterate, ignorant, incompetent, perjurous, panhandling frauds out of my inboxes. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit reporting or other personal consumer reports

American First Finance ( American Freight ) we out of business. I opened an account with them XX/XX/year> and was paying them on time with automatic withdrawal from my account. They stop taking the money out my account in XX/XX/year> not because they was no funds for them they just stop taking it I guess because they was in the process of going out of business. I requested for my credit report. When I received it i noticed on my report they had me as a charge off. Like I wasnt making my payment which is incorrect I was making payments on time every month until they stop taking payments from me
Product: Mortgage

This is a follow-up to a complaint I issued on XX/XX/XXXX where I had not received the applicable forms for a payment recast after I have paid {$150000.00} towards a principal reduction which should result in a mortgage payment reduction as well. 

On XX/XX/XXXX, XXXX called me to discuss my loan payment recast. The docusign forms were sent to me and I signed electronically on XX/XX/XXXX. XXXX confirmed receipt of the forms. During this same conversation, I was informed that my monthly payment would change and I would be able to view the new monthly payment at the end of the day on XX/XX/XXXX. 

As of this writing on XX/XX/XXXX, the Newrez site does not reflect my modified mortgage payment which should now be approximately {$1200.00}. 

I have left voicemails for XXXX on XX/XX/XXXX and again today, XX/XX/XXXX. 

I need confirmation from Newrez that the recast process has taken place along with the new payment amount which should be shown on the Newrez portal.
Product: Mortgage

Please accept this as a Qualified Written Request for a Short-Pay Statement for loan number XXXX. Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was my ex husband 's who passed away and I am not responsible for his debt. A letter from my lawyer was sent stating that but Discover Bank did not respond to me or my lawyer. On XXXX XXXX  from Discover called and was going to send this to fraud but no results were communicated. Discover reopened the account on their own without my consent and I sent information that it was not my account and I did not open any credit card accounts. They continue to ruin my credit report and add interest and penalties. This is harassment, defamation of character and fraud on the part of Discover bank.
Product: Mortgage

I am having problem with Experian Credit reporting agency. 
I am filing again because I strongly disagree what is only in Experian showing late payment on my Closed - Mortgage with XXXX. This Account closed on XX/XX/XXXX. 

When covid started back at the beginning of the year in XXXX, I reach out to my lender XXXX and was granted Forebearance. My work office in XXXX was closed down due to covid this was mandatory and affected all employee in my office and my jobs, while I learned to work remotely from home. 

I should not be showing any late payment for the year of XXXX, because I was granted Forebearance with XXXX. I have no late payment in XXXX and XXXX with XXXX on my mortgage. 

Only problem is totally at Experian, showing me with late payment in XXXX XXXX in XXXX. Under the Forebearance that the President signed back in XXXX President Trump sign into Law to help struggling homeowners. My Lender XXXX helped all homeowners who had problems with covid and jobs and health was affected. 

Under forebearance... no late or missed payment shall be reported to any of the 3 reporting credit agency. -- -- Yet there it is... .under Experian,,,,, I am being reported. 
I am requesting -- -- my credit report -- -only Experian... .remove those late payment for the year XXXX under XXXX. I was under forebearance. 

Also I need to show a Final payment was made on XX/XX/XXXX,,, ,to close my Mortgage with XXXX. All the payment for my Mortgage got caught up and paid in Full on XX/XX/XXXX.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXXXXXX XXXX for the amount of {$500.00}. That bank merged with Wells Fargo in XXXX  Being as it is a retirement account meant for the future, I rarely used it. Fast forward to present day, I found a signed application by both me and the bank employee that included the contribution amount at the time of opening. I proceeded to go to Wells Fargo to check on the account at the beginning of XXXX, they said they had no record of it, and to contact customer service. On XXXX I called customer service with no help other than being told to write a letter to their " IRA Processing/Document Capture Department ''. On XXXX I sent a letter certified mail to the address they provided. While waiting for a response, I checked with Utah State Treasury office on XXXX as well, to see if anything was reported or received, with no record from them. Around the middle of XXXX, I received a letter back from Wells Fargo dated XXXX stating that they do not have record, simply stating to contact my tax consultant if I have questions. More less they just blew me off .... They never sent me a notice of account closure ; the state has no record of unclaimed funds. Legally, money can not just disappear without any sort of record or reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, act Receivable XXXX XXXX  XXXX # 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 an account without my written instructions
Product: Credit card or prepaid card

Was XXXX and had charges not aware of with NC XXXX XXXX XXXX. Have been victim of XXXX XXXX XXXX XXXX leak and ever since then I've had issues with fraudulent charges. They keep contacting me even though I file disputes. Even tried credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX  date opened XX/XX/2022. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Product: Debt collection

I filed a dispute with the credit bureau XX/XX/XXXX. They came back showing that I was right. They stopped reporting for a couple months but it has started back up again. They are reporting it as being late 30,60 days late. I filed another dispute today XXXXMy mom was the main person on this loan. They are reporting on my credit every month as if we still have the car. The car was repossessed before she passed away.My mom passed away two in a half years ago. The last payment was made on the car XXXX of XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I accessed my Equifax consumer report and did not recognize multiple credit inquiries on my report. Upon this discovery I decided to dispute these Inquiries directly with Equifax through their website. I requested a thorough investigation and to provide proof that I authorized these inquiries. Equifax DID NOT provide any information regarding these inquiries in their automated response that came 24 hours later and just started that all inquiries are factual information on a report which is false. The inquiries I did not authorize are as follows and I am requesting the company supply me with immediate proof that these Inquiries were in fact authorized by me or I demand they be deleted from my consumer report per the FCRA : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Credit card

WellsFargo Bank sent a card on XX/XX/year> as a replacement to the existing card that was set to expire in XX/XX/year>. This new/replacement credit card never arrived in my mailbox. On XX/XX/XXXX, I noticed multiple transactions on my card that happened between XX/XX/XXXX and XX/XX/XXXX. I immediately called the bank and informed that credit card has fraudulent transactions of purchases, online payments and cash withdrawals. None of these transactions are done by me. Bank agent did acknowledge that card is compromised and logged the case for further investigation. We were told that we will hear back in XXXX  days. On XX/XX/XXXX, Bank sent a letter saying that transactions are valid and closed the case. 
We called the fraud claim department and got the case reopened and provided bank with Police case number that we got registered. Also, we did inform bank that lately there had been mail theft issue in and around the community. After the XXXX round of investigation, bank again sent a letter to us informing that transactions are valid, and asked us to pay {$14000.00}. On XX/XX/XXXX, again called the bank XXXX department and requested to reopen the case. While going over the case with us, the agent confirmed that all transactions are done by the card that we never got. It is a clear case of theft and forgery. Bank asked us to provide additional information as evidence such as Mobile/Telephone bill showing our location ( this we provided along with other evidence too. All of this is attached here as well. ) XXXX XXXX concern is that a ) WHO/how the replacement card got stolen b ) How was the card activated? c ) WHY bank did not have any alert mechanism activated and allowed multiple huge transactions in XXXX weeks ( my purchase pattern had been only few XXXX dollars each month for last many years since I had the card ). d ) When we never got the card, why bank is making us liable to pay. Bank can easily verify the card that was used for transactions with its expiration date and other details. It can also identify the location, mechanism and other details that was used to activate the card. The transaction on card is done across the country where as I have been at my home throughout the duration when theft happened. ( I have attached mobile bills as evidence. I have attached multiple other evidence as well ) BANK is NOT doing its due diligence to identify theft and ASKING me to pay this huge amount for no fault of mine. I have been a customer with Wells Fargo bank for last XXXX years and have been using its credit card for last multiple years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX CO ) XXXX Open Date : XX/XX/XXXX 2019 Balance : {$1900.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX ) XXXX Open Date : XXXX XXXX, 2020 Balance : {$630.00}. 

According to FCRA Section 605B ( a ) the XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. 

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