23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX of XXXX, Capital One XXXX XXXX Card charged an annual fee of {$100.00}. We did not have a running balance on our card and did not receive statements. We did not know that there was a {$100.00} annual fee. Since we didn't have a balance and since we didn't know there was an annual fee, we didn't know we needed to make a payment. When the late appeared in our credit report, we immediately called Capital One to resolve the outstanding balance which was due to the annual fee, and late fees compiled with interest charges from the annual fee. 
- We paid the balance and requested two things. 
- One, to put us on an auto-pay so that we didn't run into the situation again - and two, to remove the credit late on our credit as we were not aware of the annual fee. The credit was resolved and we also thought the auto pay was established. 

Fast forward to the following year, in XXXX of XXXX, another annual fee was charged, however, the auto-pay was not established as we had requested previously. We found out this when we received an alert from XXXX XXXX. By then, the credit late, due to the annual fee, was already reported. 

I immediately logged into the Captial One portal, paid the outstanding balance due to the annual fee, and personally established the autopay. 

We are small business owners and we rely heavily on having great credit. We requested for Capital One to reverse the credit late recently added to our account for two reasons : 1. we asked that the auto pay be activated last year when this happened. We asked them to review the call recorded session from the prior conversation with the customer service representative. They said they would.

2. They auto payment was not activated by the customer service representative.

3. We disputed the credit lates but was denied and we will given the circumstances, it unjust.

Please kindly delete all credit lats with all credit agencies.
Product: Debt collection

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. I have reviewed my insurance statements and even my personal health chart and I never saw any dr XXXX XX/XX/22 as they have falsely stated on my report.
Product: Mortgage

My complaint is regarding my mortgage loan, and my unsuccessful attempts to achieve a loan modification or a short negotiated pay-off. 
Since the origination of my mortgage with XXXX, there have been several transfers, both in the owner/certificate holders, as well as the servicers. A securitization audit was completed, to find the current owner of the mortgage. After the dissection of the securitization audit, it was discovered that XXXX did not follow the proper chain of title. 
The loan originated on XX/XX/XXXX. The XXXX for assets to be transferred to XXXX XX/XX/XXXX XXXX, was XX/XX/XXXX. According to courthouse documents, the transfer took place on XX/XX/XXXX, in XXXX, New York. The assignment misses the cut-off date by XXXX years. 
In addition, I was never notified by XXXX, that my mortgage is now owned by their certificate holders. It is my understanding, that by law/regulations which have been established by the government, I should have been notified by the new owner, within the first 30 days. It is by these same practices that XXXX and other banks were fined billions of dollars for the improper transfer of mortgages, and not following the proper chain of title. 
Below you will find an excerpt from a website which lists the guidelines required by the government. 
Transfer of Loan Ownership The ownership and servicing rights of your loan may be handled by XXXX company or XXXX. If ownership of your loan is transferred, the new owner must give you a notice that includes : the name, address and telephone number of the new owner of the loan the date the new owner takes possession of the loan the person who is authorized to receive legal notices and can resolve issues about loan payments where the transfer of ownership is recorded. 
The new owner must give you this notice within 30 days of taking possession of the loan. It is in addition to any notices you may get about the transfer of the servicing rights for your loan. www.consumer.ftc.gov/ ... XXXX Furthermore, upon one of my many inquiries to XXXX XXXX in my attempt to find the current lien holder, I was sent a document with a notice date of XX/XX/XXXX. The notice explained that effective XX/XX/XXXX, XXXX, would be the servicer of my mortgage. This is very strange, since I have never received correspondence from XXXX. This is yet another discrepancy which has taken place, which shows the lack of proper business etiquette and compliance/adherence to the established laws. 
At my request, from XX/XX/XXXX-XX/XX/XXXX, XXXX separate XXXX did extensive research with their XXXX. They could find no record of my mortgage which was associated with XXXX or in their data base.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and all of these negative items appears on my credit report. According to the laws 15 U.S.C 1681 law damage on my report. Remove all fraudulent account immediately. This is a defamation of creator. This for XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I paid off the remaining balance on my fouXXXX XXXX XXXX XXXX XXXX accounts with XXXX XXXX XXXX XXXX XXXX ) totaling {$2200.00}. In XX/XX/XXXX, my FICO score was XXXX and XXXX in XX/XX/XXXX. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX. In addition to the negative scores, my online credit information from XXXX and XXXX XXXXXXXX XXXX indicated the factors damaging my credit were : Serious delinquency Presence of serious delinquency on one or more accounts TransUnion and XXXX to remove and correct all inaccurate information and any references to the negative reporting of Adverse or Negative and Maximum Delinquency of 60 days and NOT_MORE_THAN_THREE_ PAYMENTS_ PAST_DUE on all 4 XXXX XXXX XXXX tradelines from my credit file. The negative reporting on all 4 XXXX student loan tradelines are incorrect for several reasons : a. Existing information on XXXX website ( Loan Details ) cites 0 Days Delinquent during term of student loan repayment. 
b. The OK/Current payments recorded in TransUnion and XXXX Tradeline Payment History XXXX XXXX XXXX 0 Days Delinquent information indicated in the Loan Details from XXXX website XXXX 
XXXX XXXX XXXX Summary Details for Account Status , labels all XXXX XXXX tradelines as being NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE, and TransUnion of 60 Days Past Due Date XX/XX/XXXX, contradicts the OK/Current data recorded in the Tradeline Payment History chart sections for both credit reporting agencies. 
d. In the XXXX and TransUnion XXXX XXXX XXXX XXXX, the XX/XX/XXXX ratings section is omitted ( this is the month the loan was paid and closed ) and instead the Tradeline Payment history chart ends XXXX XXXX is marked with OK payments for XX/XX/XXXX and ALL months prior. 
e. My account can not be 60 or 30 days ( both less than XXXX payments ) past due in XX/XX/XXXX when the prior months of XX/XX/XXXX and XX/XX/XXXX are deemed OK/Current ( Due date on XXXX accounts were the XXXX of every month ( there are only 30 days between XX/XX/XXXX, and XX/XX/XXXX ). 
TransUnion and XXXX should have immediately flagged the errors and inconsistencies by requesting XXXX to validate or provide the correct data before incorrect or false information is added to my credit file. My credit has been irrevocably damaged causing me great harm. With poor scores and negative information in my file, for the next XXXX years or XXXX I will be unable to secure credit, a lower interest rate, any additional lines of credit, a mortgage for a home, or obtain an auto loan. On XX/XX/XXXX, I was already denied a loan from a company with whom I previously had a line of credit which I paid-off in XXXX of XXXX.
Product: Debt collection

I sent a request of ownership for this debt, as it was obtained illegally. I have never done business of any kind with this company nor is it reporting on my credit report.
Product: Mortgage

XXXX XXXX XXXX has failed to correct their record even after I have notified them of the Notice of Error. The responses that was provided is incorrect.
The attached record will provide proof that XXXX XXXX sold the mortgage to Dovenmuhle Mortgage Inc ( who claim to be the servicer of the loan ) on XX/XX/XXXX ( see attachment ) before I signed the Loan Modification which is illegal. As a result, Dovenmuhle Mortgage added an extra XXXX and set up an escrow account as well as a suspense account to to the mortgage onXX/XX/XXXX in an attempt to recover money they claimed that they lost, once it was transferred from XXXX XXXX XXXX, the previous servicer of the loan ( See attachment ) Dovenmuehle Mortgage contacted XXXX ( my insurance company ) and provided false documents so that they could set up the escrow account. The attached documents will show a clear violation of the contract sign on XX/XX/XXXX. In a letter dated XX/XX/XXXXfrom XXXX to the Insurance Company RE : Mortgagee Clause Change Endorsement Request to change from XXXX XXXX XXXX to Dovenmuehle Mortgage INC effective immediately since the mortgage was transferred on XX/XX/XXXX. The only records that Dovenmuehle Mortgage keep presenting is dated XX/XX/XXXX. Can you, Dovenmuehle Mortgage INC or XXXX XXXX XXXX explain why the Insurance need to change if the mortgage was not sold? Why does the statement showed a new mortgage? Why does the statement show a 2nd mortgage once it was altered if I only have one mortgage? Is this an effort to cover up the truth by all departments involved?
Attached is the letter received from the escrow dept for the taxes showing that violation was corrected from the Notice of Error without admitting it : Dovenmuehle Mortgage INC fail to show the signed documents which caused them to set up a new loan on XX/XX/XXXXwhich was used to make changes with XXXX XXXX. I want such proof An escrow is only necessary to pay for taxes and insurance. If the insured is paying for their insurance and the property is tax exempt why is Dovenmuehle Mortgage the Servicer for XXXX XXXX XXXX charging extra money ( overcharging ) me on the mortgage payment and you the CFPB is allowing it in violation of my consumer rights?
Product: Debt collection

On the morning of XX/XX/2022, I received a phone call from XXXX XXXX XXXX ( XXXX ) stating that I had an outstanding debt of {$500.00} from a payday loan with Speedy Cash that would soon be sent to collections and repaid through wage garnishment. I did " settle '' this debt and paid {$200.00} through XXXX XXXX XXXX. However, after receiving the email stating I paid my account in full, I believe this was a scam. The email address they emailed me from was not a business email, but rather a XXXX email address ( XXXX ). Additionally, I have not been able to find any evidence of a XXXX XXXX XXXX at the address provided. I have attached the document emailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these accounts will be corrected. 

XXXX XXXX Balance Owed : {$85.00} ; XXXX  XXXX Balance Owed : {$4900.00}
Product: Credit card or prepaid card

I was in the hospital and missed my credit card payment because I was unable to log in and change my bank account info. When I paid my bill in full using my debit card, I noticed that the app said my count was restricted. 

I called to ask how to unrestrict and they said I could not do it because they closed my account. They said there was nothing that I could do. 

I paid the bill in full that day. Now I am being charged interest? So now the want another {$7.00}. Why am I being charged interest on an account paid in full and that they closed? If I had deleted the app, I wouldnt have known they added on more interest after I har already paid in full. 

I believe they should remove the interest and that my credit report should not be negatively impacted. I called 3 times about the original issue and was denied an issue escalation because they said reopening an account was impossible. I should be allowed to speak to a supervisor and escalate an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent a letter to XXXX, and Equifax XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This a violation of my rights.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have had a severely detrimental impact on my financial standing and have caused significant distress. 

I have diligently followed your company 's established procedures for reporting fraudulent activity, provided all requested documentation, and submitted detailed explanations of the discrepancies. However, despite my best efforts, these fraudulent items remain on my credit report. 

I want to emphasize that I have acted responsibly and in good faith throughout this process. I have promptly reported any suspicious activity, cooperated fully with your company 's investigation requests, and taken every possible step to protect my financial reputation. 

I am formally requesting the following actions to be taken as a matter of urgency : A comprehensive and thorough investigation into the fraudulent items on my credit report to establish their inaccuracy and fraudulent nature. 
Immediate removal of the fraudulent items from my credit report. 
A written confirmation of the resolution, including the date when the fraudulent items were removed. 
An apology for the undue stress and financial harm caused by the presence of these fraudulent entries on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors. It is my firm belief that addressing and rectifying these fraudulent items is not only in my best interest but also essential for upholding the integrity of the credit reporting system. 


I sincerely hope that such measures will not be necessary and trust that your company will act swiftly to rectify this situation. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a Tax Lien on my Equifax credit report maintain under my social security reported by the XXXX Recorder 's Office. I have contacted the Recorder 's office and I do n't have a Judgment legal item. The Recorder 's office stated to me that they do n't provide information to credit reporting agencies, nor do they ever validate a public record due to privacy laws. On XX/XX/XXXX I received a letter from the Recorder 's office advising me to contact Equifax indicate on my letter to clear out my Federal Tax Lien. On XX/XX/XXXX,XX/XX/XXXX I sent Equifax certified letters asking them how did they validate and verified this public entry record with the XXXX Recorder 's Office and to please permanently delete this Public Record immediately along with a copy of the letter from the Recorder 's office. In my letter I stated according to the Federal Credit Reporting Act ; Section 6099 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through physical verification of the original signed consumer contract-any and all accounts /public records you post on a credit report otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I received a copy of my credit report Equifax on XX/XX/XXXX stating the tax lien information has been verified. I sent another letter on XX/XX/XXXX to Equifax asking them to provide the name, address, and telephone numbers to each person contacted at the XXXX Recorder 's Office and I formally requested a copy of any documents provided by the Recorder 's Office bearing my signature. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. On XX/XX/XXXX I sent Equifax another letter certified along with a copy of the recorded lien withdrawal certificate from the XXXX. I have reviewed my Equifax credit reports from XX/XX/XXXX,XX/XX/XXXX and Equifax still reporting the TAX LIEN I requesting this information be permanently deleted from my credit report.
Product: Credit card

am writing to formally dispute and express my concern regarding fraudulent activity involving my Capital One account that appears to have been replicated or misused by Credit One Bank and XXXX XXXX XXXX. I have identified unauthorized accounts or transactions under my name that I did not open or approve.
Product: Checking or savings account

In accordance with the Fair Credit Billing Act please provide the information in accordance with FTC regulated laws and the proof that was used by the merchant to verify the charge in the amount of {$280.00} as authorized. This is a request for all documentation provided.
Product: Debt collection

DATE XX/XX/XXXX THE AMOUNT is XXXX, XXXX DATE XX/XX/XXXX THE AMOUNT IS XXXX I am writing to formally dispute the inclusion of a medical debt on my credit report that does not belong to me. This request is in accordance with the Consumer Financial Protection Bureaus ( CFPB ) new rule finalized on XX/XX/XXXX, which prohibits the inclusion of medical debts in credit reports used by lenders I have tried to have this debt removed. This medical debt is for a man of a younger age.
Product: Debt collection

I sent a letter to IQ Data in XX/XX/2016 requesting a verification of debt, what I received on XX/XX/2016 was an itemized bill which is not a proper verification of a debt and they are not the original owners of the debt per the information received from the company.
Product: Money transfer, virtual currency, or money service

I called PNC to let them know that I was having issues transferring money from my PNC account to my XXXX  account. The customer service agent told me that it was times  fault that PNC spot that everything that I needed to do on PNC site set up and all I had to do was transfer my money and that I could also do a transfer from PNC to XXXX  if I couldnt connect my PNC account to XXXX  on my XXXX   app. However I am now finding out the PNC has lied because theyve done things to make sure to make it to where I can not transfer money out to XXXX  at all this seems deceptive and its not a way to keep a customer and its very inconvenient to their long-standing customers and something needs to be done about it!
Product: Debt collection

Pnc is blatantly breaking the law. They incorrectly charged my account overdraft fees, then sent them to collections. These were disputed off as they were illegal. Pnc then recieved a payment to the closed account, and is holding the whole thing XXXX if {$300.00}. Pnc, specifically XXXX, refuses to speak to me over preferred methods. They are in blatant violation of the law.
Product: Debt collection

on  XXXX / XXXX / 2017 , threatening phone call to my cell phone and place of employment. Company represented themselves as a law firm and threatened to call my friends and family in an attempt to garnish my wages. Called my place of business after being told I withdraw my consent to be contacted at that number. Continued to call and threaten to contact my payroll department for a wage garnishment even after being told to stop. Refused to identify themselves or provide an address or to send written verification of the supposed debt.
Product: Credit reporting or other personal consumer reports

I have requested twiceonce in XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX provide validation for this account. Each time, the companies has failed to provide the required debt validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g within the 30-day period and when they finally responded on XX/XX/2025, I did not receive the following information as requested. 

When a consumer disputes an account and requests debt validation, the company or debt collector is legally required to provide documentation proving the debt is valid. If they fail to do so within 30 days, they must cease all collection efforts until proper validation is provided. If not, the account must be removed from your credit reports. 

Required Debt Validation Documentation, but not limited to : XXXX. Proof of the Debt : - A copy of the original signed contract or agreement that created the debt. 
- Documentation showing a breakdown of the balance, including principal, interest, fees, and any other charges. 

XXXX. Creditor Information : - Proof that the creditor legally transferred or assigned the debt to a collection agency ( if applicable ). 

XXXX. Payment and Account History : - A detailed record of payments made and how the balance was calculated. 
- Evidence of late fees, interest, or penalties added to the account. 

XXXX. Legal Authority to Collect : - Documentation proving that the company attempting to collect has the legal right to do so.
Product: Debt collection

We have no debt, other than our mortgage ( which we have always been current on ). We get a call from Reliant Capital Solutions about once a week. I do not want to interact with them in any fashion. We are not in arrears on anything and I am not interested in discussing our finances with them.
Product: Debt collection

Apparently, this company REFUSES TO REMOVE THE DISPUTE REMARKS, AND TAKE MY PAYMENT!!!!!! THEY HAVE DIRECTED ME COUNTLESS TIMES FROM ONE PHONE AGENT TO THE NEXT!!!! THEY SEND ME COUNTLESS COLLECTION LETTERS, YET, THEY DO N'T WANT TO RESOLVE THE ISSUE/TAKE A PAYMENT, BECAUSE THEY KNOW IT RUINS MY CREDIT AND IN TURN, MAKES IT DIFFICULT FOR ME TO OBTAIN A MORTGAGE!!!!! I 'M TRYING TO CLOSE ON MY HOME, AND THEY 'VE MADE IT DIFFUCULT DELIBERATLEY!!!!!!