23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital one has placed outdated collection information on my credit report, concerning the Payment protection settlement agreements. I never received compensation for the XXXX account I held with Capital One, concerning the Payment protection add on services. When I notified the previous debt collection company that they were violation of the Settlement agreement administrative proceeding file number XXXX and The FCRA laws by contacting me regarding the debt which arose from not being able to use Payment Protection on the Capital One cards,. I asked the firm who contacted which stated Captial one transferred the debt to them and I asked for information on the transfer process and was not given any information, on how the debt was obtained. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/Capital One then started a lawsuit against me for not paying the debt in Nevada State court when it should have been filed in Nevada Federal Court, concerning the original settlement agreement administrative proceeding file number XXXX and CASE NO. : XXXX. I explained and the debt demonstrated that I was protected under the class action lawsuit, so this should have occurred. The attorney should be sanctioned for not filling the case in Federal Court because it seems they were deliberately trying to hide the fact that I am a class action member and they did not care about the prior settlements XXXX prior settlements. I was told we must go into arbitration in the original terms and conditions and this did not occur as well. case number - XXXX Nevada justice court.
Product: Student loan

I received a credit score hit due to payment delinquency for a student loan XX/XX/XXXX. I reached out to citibank XX/XX/XXXX to request that they clear this issue given the circumstances at that time : 1 ) I never received the notification that XXXX XXXX was going to sell my loan to citi because I physically moved residences and therefore 2 ) I did not realize I had to re-establish an automated payment calendar with a separate entity which led to the 3 late payments before I took notice and paid. Given that I have a stellar history of making payments and had advance paid the entire amount in full, I requested that citibank take off the hit on my credit records. I started with calling the citi gold desk because I have multiple products with them ( e.g. checking, credit, mortgage, etc. ) and they indicated that i 'd have to reach out to the student loan department directly. Citi Student loan had no record of me, so I reached out to XXXX XXXX, who then routed me to XXXX, who then routed me back to Citi. 

Citi claimed that they do n't see the account being cleared, and said that they will leave an open dispute on my credit report. While i have paid the full amount of the loan, I still see a {$0.00} transaction log every month and neither XXXX XXXX, XXXX, or Citi is able to see or close/clear this account and are constantly re-directing me. 

My main ask is to take back the credit hit score since I have paid off the entire loan in full in advance and to close the account because I still see a {$0.00} ACH debit coming through even if the loan is paid in full. But no matter who I call, I get routed and no one is able to find my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DISCOVERBANK XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) 1XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX is reporting 2 account incorrect. The credit acceptance account is not my account and she be removed asap. The other account which is Chylser Capital she be reporting charge off. They have already repossessed car and sold it.
Product: Credit card or prepaid card

last year i started disputing a late payment with Bank Of America because i've never been late, so they closed my account since then and i have tried to correct the matter with them, they have send my account to a collection agency, the collection agency couldn't verify it, now its with a law firm and the law firm is not verifying anything. All i wanted was for the late payments to be remove.I feel like i'm being Harass Time after time dealing with this issue.I even have a letter from 2018 trying to get this verified
Product: Debt collection

Sent in a modification packet on XX/XX/XXXX to Carrington mortgage, then Carrington mortgage started a XXXX  while I was being reviewed for a modification, in XXXX that is called XXXX tracking, and against the law, this company has no regard to law 's, or filing fake documents
Product: Debt collection

Harris and Harris Collection Agency RE : Cease and Desist Letter for Account # XXXX Dear Sir/Madam, This letter serves as a formal notice to demand that Harris and Harris Collection Agency immediately cease and desist from all further communication with me regarding the alleged debt associated with account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby exercise my right to request that you stop all communication and collection activities. Any further contact from your company will constitute a violation of federal law.

Legal Basis for Cease and Desist : Violation of FDCPA : Under 15 U.S.C. 1692c ( c ), once a debt collector is notified in writing to cease communication, any further communication, except to confirm receipt of the request or inform the consumer of specific actions being taken, is a violation of the FDCPA. 

Supporting Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : The Supreme Court affirmed that the FDCPA applies broadly to all debt collectors, ensuring robust consumer protections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Debt collectors must adhere strictly to cease-and-desist requests issued by consumers. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Failure to honor a written cease-and-desist request constitutes a clear violation of the FDCPA. 

Dispute of Alleged Debt : I also dispute the validity of the alleged debt and demand validation under 15 U.S.C. 1692g ( b ). Until you provide sufficient evidence to substantiate the claim, all collection efforts must cease immediately. Failure to provide validation will be considered a further violation of my rights under the FDCPA. 

Prohibited Actions : You are hereby prohibited from : Communicating with me directly or indirectly through phone calls, letters, emails, or any other means ; Reporting or continuing to report the alleged debt to credit reporting agencies without proper validation ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX ) ) ; XXXX, transferring, or assigning the alleged debt to any other entity. 

Consequences of Non-Compliance : Should Harris and Harris Collection Agency fail to comply with this cease and desist request or continue to engage in unlawful collection practices, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Pursue legal action against Harris and Harris Collection Agency for violations of the FDCPA and other applicable laws, seeking damages as provided under 15 U.S.C. 1692k.

Final Notice : This letter serves as my final communication regarding this matter. No response is required unless you are providing validation of the alleged debt in compliance with 15 U.S.C. 1692g. Any communication beyond this without validation will be deemed harassment and a willful violation of my rights. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Current representative keeps calling on my cell phone frequently during my work hours while I am being consistent with my payments. Previous representative called the same way but rude and threatened to take legal actions, screaming and arguing with me over the phone.
Product: Credit reporting

This is not my account I do n ot have an account with XXXX Debt Collector Original Creditor Balance Owed Reported By XXXX. XXXX XXXX {$390.00} Equifax
Product: Credit card

I am writing to file a formal complaint regarding discriminatory practices I believe I encountered during my recent credit card application with Capital One. On XX/XX/2023 I was denied for a Platinum Credit Card with Capital One and after receiving their Adverse Action Letter I responding back in writing that they received on XX/XX/2023. On XX/XX/2023 I reached out to Capital One via phone call to verify the delivery of the response letter and was told they didn't receive it yet and the representative was willing to provide a second review that was ultimatley denied as well that same day. I reached out to Capital One again via phone call on XX/XX/2023 to which they still had no knowledge of my response letter and for any questions I had regarding the denial should be taking up with the credit bureau. I spoke with a supervisor by the name of XXXX and asked her may I just retract my application giving its been denied for a second time and she advised me that they must keep applications in their possession for 25 months before a retraction could be possible. Despite applying in good faith, having the capacity and creditworthiness to credit my application was still denied. This discriminatory action is a clear violation of the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of protected characteristics. I am seeking an investigation into this matter to ensure that fair and equitable lending practices are upheld as per federal law. Additionally, I request appropriate action be taken against Capital One if discriminatory practices are found to be true. Ill upload my response letter and other documentation supporting my claim.
Product: Student loan

I have been trying since XXXX of XXXX to get my XXXX consolidation loan forgiveness/discharged declined and reversed for the purpose of reversing them to consolidate them with my non-discharged loans for total forgiveness under the IDR counts for XXXX. I have messaged and talked to the Department of Education, who says this is all on Nelnet and they have to do it. I requested to the Department of Ed to opt out of the forgiveness back in XX/XX/XXXX. I have made complaints with the Dept of Ed Ombudsman about Nelnet 's lacking customer service. I have spoken to several people in Nelnet 's Solutions Department, some of whom have said they have escalated to 'Leadership, ' but yet my issue is not resolved. I have sent a written and signed request on XX/XX/XXXX ( after being told to do so by a Nelnet agent ) to decline the current discharge of my XXXX consolidation loans so they may be consolidated with my XXXX consolidation loans and then obtain total forgiveness under IDR counts in XXXX. This is a time-sensitive matter, yet Nelnet is dragging their heels and not acting on something that I was told should be able to be done within a month. I have spoken with agents in the Solutions Department on 5 different occasions, 2 times in XXXX and the last 3 being with XXXX ( XX/XX/XXXX ) - who said she was sending this to Leadership and she would call me back in 3-5 days ( no call yet ), XXXX ( XX/XX/XXXX ) - who said he was putting in a code for reversal and he wasn't sure this could be done, even though all other agents and the Dept of Ed said it CAN be done, and lastly XXXX ( XX/XX/XXXX ) - whom I notified that I had uploaded my ombudsman complaint case details. Since Nelnet seems to respond to CFPB complaints quicker than anything else, I am making a complaint here. I NEED this discharge reversal completed in a TIMELY manner - like immediately, since it has already been more than a month since my written request. Then I NEED my consolidation application to consolidate the two consolidation loans ( from XXXX and from XXXX ) reactivated and processed beore XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXXn, and XXXX. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
Product: Mortgage

I filed a Qualified Written Request/Notice of Error on XXXX/XXXX/15 and received a written acknowledgement of my QWR dated XXXX/XXXX/15 from my mortgage servicer. As of today, i have received no further communication from my servicer and my dispute has not been resolved.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 


There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Sincerely Enclosed : copy of State ID and Utility bill showing proof of address
Product: Credit card or prepaid card

ACCOUNT DETAILS Account Name SYNCB/LOWES Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XXXX XXXX, XXXX Account Status Closed Payment Status Charge-off Status Updated XXXX XXXX, XXXX Balance {$17000.00} Balance Updated XXXX XXXX, XXXX my social is XXXX im XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT all information which can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

XXXX reporting late payment from XXXX on XX/XX/XXXX for {$1000.00} Experian reporting late payment for XXXX XXXX XXXX on XX/XX/XXXX {$3500.00} XXXX reporting late payments for XXXX on XX/XX/XXXX {$3500.00} and XXXX XXXX XX/XX/XXXX {$1000.00} All are fraudulent accounts and need to be removed from credit report
Product: Student loan

The company is asking for additional documentation from the City of XXXX XXXX ( which I have now provided ) and continues not honoring a year of public service - 6 months of which were under the Loan Forgiveness program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mail a package to Experian because there are discrepancies in my credit report. In that package I mail a police report, a Identity Theft Victim 's Complaint and Affidavit that has been notarized, a document from the US Supreme court, and a name change with the supreme court. XXXX the representative stated that those documents were NOT sufficient and she ( XXXX ) and her department will NOT USE THEM. I contact the police department in XXXX county and the police officer XXXX over the phone explain that the " incident report '' and the police report are the same thing, that it was up to the police report at the time to choose how to file. She also stated that the " notoriety '' was insufficient and refuse to use these documents. In page 7 of the police report states that it can be sing in the presence of a law enforcement officer, a notary or a witness. She REFUSE TO TAKE ANY OF THESE LEGAL DOCUMENT. Stated that those were insufficient. She was yelling at me on the phone, talking over me and I let her know I do not want to speak with you I wold like to speak with your supervisor she stated they did not had any and I requested to be transfer to one. She put me on hold for over and hour. I also included documents form the US Supreme court and she also did not accept those. TWO other companies, XXXX and XXXX never had any issues with these LEGAL documents. I have contact my Attorney General office and they stated those document are sufficient. They have INCORRECT NAMES, ADDRESSES, COLLECTION THAT ARE NOT MINE. I HAVE SEND THE DOCUMENTS THAT PROVE MY NAME CHANGE WITH A US DISTRICT COURT AND POLICE REPORT AND THE IDENTITY THEFT VICTIMS COMPLAIN AND AFFIDAVIT.