23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used the Capital One credit card to make advance payment instalments to a Contractor company for a kitchen remodeling project in my home. After the original 50 % cost was paid in XX/XX/XXXX, I paid two more installments ( 25 % and 20 % ) in XXXX, XXXX using the credit card. The contractor abandoned the project 6 months after starting, and I am now trying to open a dispute with Capital One ( XXXX XXXX : XXXX ) regarding the last installment of {$7900.00}. 

Capital One refuses to honor the dispute saying that the payment was made more than two months ago, and should have been disputed earlier. How can you dispute a service that takes more than 3 months to deliver within 2 months of paying the advance? In my case, the contractor worked very slowly on purpose and abandoned the project after 6 months. I took some time to make some unsuccessful attempts to reach out to the contractor. Now that the contractor has refused to complete the project, I am disputing some of the payments made using the Capital One credit card.

As a consumer, I pay using my credit card with the expectation that my payment is secure and I have recourse with the credit card company, if the service is not completed. There are so many things for which we pay more than two months in advance before the delivery is completed. In this case, initially Capital One kept asking me continually for more documentation. After I provide all they asked for, they tell me that the time to open the dispute has run out. Their dispute supervisor tells me that there is no way to escalate the issue higher up within Capital One.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Debt Collector, I recently received a debt collector notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1. The name and address of the original creditor and current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information.

I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I returned my leased vehicle to XXXX XXXX XXXX. I had the car inspected using their inspection company. When I got the final bill, the inspection amount was not accurate so my wear and tear insurance could not pay the claim. They notified me of this and I immediately notified XXXX XXXX and they said they would fix it and send me a new bill right away. I called almost every day for 2 months asking for the updated bill and was given the run around. Until FINALLY one day a rep sent me the updated bill via email. That same day the bill was paid by the insurance company. They noted on my credit report that my account was late 30 days. But it was late because of them!!! The amount they quoted and what the inspection company reported were 2 different amounts and they have to match in order for the claim to be paid. Not sure why they would not fix the bill and I had to call them 1000 times before it was done. They need to remove that late payment from my Trans union and XXXX account. I already spoke to a manager back in XX/XX/XXXX and he told me it would be removed from all 3 bureaus. It was only removed from XXXX.
Product: Debt collection

Time Finance Service charged off the credit account on XX/XX/XXXX with the Charge off amount being {$840.00}. They have been increasing the balance of the account after it was charged off. Every month there is a charge of {$6.00}. The credit bureau reported on XX/XX/XXXX that the account balance was {$1200.00}. On XX/XX/XXXX, the account balance went up to {$1200.00}. An increase of {$6.00}. I understand that the account can be updated month to month but the balance isn't supposed to keep increasing after its charged off. I called the company on XX/XX/XXXX and asked them for a 1099 that shows the month to month balance of the account and they said " We don't pay you ''. I tried to get a copy of it, but they don't know what a 1099 is so it couldn't be provided. But I did provide attachments from the credit bureau showing these changes.
Product: Debt collection

I called the company XXXX. ago & was told that they can't find this debt in my name. Told XXXX  this & they still say its mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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  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 XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing two bankruptcies on my credit report for several months. 
I have requested that the XXXX delete the incorrect information showing for both of these bankruptcies. The identification # for both are XXXX and XXXX. They are both showing the case as dismissed which is incorrect. They were both voluntarily withdrawn before the completion of any judgement. They should show the correct information. I have requested for XXXX to validate with the bankruptcy court that the information is showing correctly. I contacted the court myself and was notified by the Court Clerk for the XXXX XXXX XXXX court that they DO NOT verify any court cases with the credit bureaus. This is false information is causing harm to my reputation and damaging my financial credit worthiness. I have requested in several letters to XXXX asking for proof that they have validated the information showing on my report. XXXX  sends my dispute back as verified but unable to provide me with information on how they verified or validated the information. I am requesting that they either provide me proof from the court that the information is validated. If that information can not be provided then I am requesting both cases be removed from my credit report immediately or I will be forced to file a lawsuit against XXXX for the providing incorrect/false information to companies that request my credit report.
Product: Mortgage

I have been trying to pay my mortgage for 3 months the mortgage was sold to another company I've called that company for different times and told him my address to send me a statement they still have not done that.
Product: Credit card

I applied for the XXXX  XXXX and was denied based on non factual data, misrepresentation, deception, theft and inaccurate information. Please see attachments.
Product: Mortgage

I have been doing a short sale with this company and they will not communicate with me. I have called repeatedly and emailed repeatedly. I have called to escalate and still nothing. They have already lost one great offer due to their lack of communication
Product: Debt collection

XXXX XXXX, 2017 XXXX XXXX XXXX, Texas XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on all 3 credit files that is inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify theaccuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification : Conns Credit Corp XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX
Product: Credit reporting

Preventing steering, XXXX sever the essential linkbetween the price and sales XXXX by denying merchantsthe opportunity to influence their customers ' payment decisions andthereby shift spending to less expensive cards. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX To whom it may concern : I was just looking over my credit report and found some addresses thatappear to be incorrect. I enclosed documentation providing proof of mycurrent address, as instructed to do on your website. To make your process ofdeletion easier, here is a list of the incorrect addresses that I am currentlyseeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX Nc 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 There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX Nc, XXXXXXXX XXXX XXXXXXXX I also noticed that my name appears to be misspelled on my credit report. Myname only has one correct spelling, and there should be no variations listedbecause my name has no variations. My photo ID is enclosed to show thecorrect spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Please remove inaccurate employers as well as listed below:1. XXXX XXXX XXXX. 


Once you have deleted the inaccurate names and addresses from my creditreport, please send me a copy of my updated report. 
Thank you, XXXX XXXX
Product: Debt collection

When I pulled up my credit report I noticed I have a collection account from XXXX XXXX in the amount of XXXX. I have never received a loan from this company or signed any kind of contract. I have tried to log into the website and it states there is no account under my name. I have inquired to experian and the rep states the acct was opened XX/XX/22 and now in XX/XX/22 it was already sold to an Attorney ( Vance and Huffman ) for collections. I have no inquires from this company on my credit report. My credit isn't good enough to get a loan in that amount without collateral. I own nothing. I would like them to send me a copy of signed contract and amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a MASSIVE SECURITY BREACH of sensitive information that has effected 1/4 million accounts with the CFPB. This has happened nearly a month ago, and no one has attempted to reach out or say ANYTHING. All of the sensitive information has been requested to be destroyed, by an employee, which still offers no personal guarantee that everything has since been DESTROYED. Since then, the NEGAVTIVE ITEMS that I had has CONSTANTLY BEEN UPDATED DUE TO THE SECURITY BREACH. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX /XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX This is indeed a Violation of Title 15 USC 1681k. I demand these accounts be removed IMMEDIATELY. If not, I will File a Complaint with The, FTC, and the CONSUMER SENTINEL NETWORK, and I will also be filing a lawsuit. I can not have my rights violated anymore and I refuse to any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Bank account or service

Please try to open an account online with HSBC. They are asking for ridiculous amounts of information no other bank asks for when opening an account online. They are saying the Patriot Act requires it which is simply a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$620.00} ; CONVERGENT OUTSOURCING XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; 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 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 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 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 XXXXXXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Product: Checking or savings account

On Saturday XX/XX/XXXX at roughly XXXX I visited the Truist Bank branch at XXXX XXXX XXXX XXXX XXXX TX. 

I went to the same branch and tried to close my accounts before, CD, Savings, Checking. This was my second visit to try to close my accounts, but the banking staff refused to do the transaction both times. 

These are collected funds that have been sitting idle for over a month. 

On Saturday, there was only XXXX teller. I told the teller I wanted to close my accounts, but was refused. I was told, " I'm not waiting on you. You're trying to intimidate me with XXXX eyes. '' The person was having some kind of XXXX XXXX, and refused to allow me access to my own money. 

I have and had absolutely no interest in this person 's emotional problems, but I never expected the to freeze my accounts because a teller was feeling moody.
Product: Debt collection

I get 3-5 calls a week from a company- they start off asking me to verify my address as... ( I refuse to do it ). Today she said " have a nice day '' and hung up. This is the text they send after the call : XXXX XXXX, XXXX Collector. Put your tax refund to work. Visit https : XXXX or call XXXX to take advantage of 30 % off your XXXX XXXX ( XXXX ) balance. Credit Management , LP has been issued NC XXXX XXXX. XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX by the XXXX XXXX Department XXXX XXXX XXXX XXXX : https : XXXX To optout txt STOP They are calling from : XXXX which is a XXXX XXXX, NC number
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : SELF / LEAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This not my account. Please remove or provide method of verification and original instruments of indebtedness. 

XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I Have wire transferred a sum of {$30000.00} USD to Coinbase via the wire instructions listed to purchase additional vitrual currencies. I have used them in the past but this was the first time sending a larger sum of money. My funds have not appeared for since XXXX XXXX 2018, which was the date of the transfer. My bank has confirmed the funds were indeed sent, the deposit bank acknowledged the funds have been recieved but it is up to Coinbase to settle the issue. Ive submitted a request a few days after with no response excpet that they will review. It has been a full week with no contact from coinbase.com or any resolution.
Product: Debt collection

I have no agreement with this company, Portfolio Recovery Associates ( PRA ). Any agreement would be fraudulent, as I have never formed any kind of agreement with PRA. I have repeatedly asked for proof of an agreement between myself and PRA, and for about one year now, and PRA has been unable to provide any proof of an actual agreement, all PRA sends me is a copy of a a sheet showing a balance, they have yet to show me a contract or anything remotely close to an agreement. Yet PRA continues to fraudulently report two accounts that are NOT mine. Simply saying someone or some group of people owe money for an account should not be reason enough to publish on a credit report or such a like. Proof of an agreement should be required, which shows a meeting of the minds to form a contract. None of these requirements have been met by PRA, and furthermore these requirements have been requested and PRA has had approximately one year to provide the requested information and PRA has failed to provide any documentation or a like of any agreements between myself and PRA, as such these two accounts should be removed from all credit reporting. PRA has failed to meet more than two requirements of the FCRA. I will continue to file a complaint every 30 days, and in doing so the law will force PRA to use and lose their assets to try and explain their lie. I do not owe PRA anything and PRA will never get anything from me.
Product: Debt collection

the company which is trying to collect a debt on already deleted file from my credit score, they are debt buyers and purchased a false debt which has been resolved in the past and since they saw my credit scores go up as i have worked so hard to get it they posted an already settled, deleted file as portraying to be different lender or different loan on the same issue from 7 years ago. so far they have only posted on XXXX and i have disputed that yesterday but now my scores went down significantly and it is hurting me due to their illegal report and deceptive practice. 
the claim is already false as i was an employee of the represented company and lived in the company provided accommodation and some equipment was in counted for which was retrieved by them from another employee and i was cleared of the issue. however that company went into different owner ship and the subject was triggered gain with this false claim.
Product: Debt collection

I checked my credit report and saw a debt from a collector named XXXX XXXX XXXX XXXX. I didnt know what this was until I contacted the agency. I found out it was a medical bill but didnt know when it was from. I have not received any written notification or bill from anyone prior to me getting a collections on my report. I contacted the agency and found out where it was from. It was from a hospital visit where they contract a private doctor to see patients. Well the hospital has my insurance information but apparently they do not. They could have easily went to the hospital and got my information but nope, they automatically report it as delinquent to my credit without contacting me about it.