23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against Capital One regarding their refusal to address and rectify an unauthorized charge on my credit card account. Despite repeated attempts to resolve this matter directly with the company, they have failed to take appropriate action, leaving me with a significant financial burden and unresolved concerns about the security of my account. 

On XX/XX/2024, I noticed there are 3 charges on my credit card statement that I did not authorize nor recognize ( Case Number : XXXX Date : XX/XX/2024 Amount : {$1100.00} ; Case Number : XXXX Date : XX/XX/2024 for Amount : {$6700.00} ; Case Number : XXXX Date : XX/XX/2024 Amount : {$810.00} ) Immediately upon discovering this discrepancy, I contacted Capital One customer service to report the unauthorized transaction and initiate a dispute process. I provided all necessary information, including XXXX history of the payments with the merchant, the letter that I sent to the merchant, and any other relevant documentation requested by the company. 

However, to my dismay, Capital One has repeatedly refused to acknowledge the unauthorized nature of the charge and has neglected to investigate the matter further. Despite providing ample evidence to support my claim, they have instead insisted that I am liable for the charge, leaving me feeling frustrated, helpless, and unfairly burdened with a financial obligation that I did not incur. 

As a consumer, I rely on the protections and assurances provided by my credit card company to safeguard my financial interests and provide prompt resolution in cases of unauthorized transactions. However, the actions of Capital One in this instance have fallen short of these expectations, and I am deeply disappointed by their lack of accountability and failure to address my concerns in a timely and satisfactory manner. 
Unfortunately, currently the merchant is now being investigated for fraud for the criminal charges that he has made, and you continue to accuse me of being responsible for. You have left me no choice but to hire an attorney and prosecute all involved in this situation. XXXX be seeking damages and reimbursement of all charges and fees. Civil charges seeking repair and reimbursement of damage to personal property that was in his possession at the time are also being investigated and documented. Active open investigation case numbers in all of the matters are available if requested by mail or my attorney. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene on my behalf to ensure that Capital One upholds its obligations to its customers and resolves this dispute fairly and expeditiously. Additionally, I request that appropriate measures be taken to prevent similar incidents from occurring in the future and to hold Capital One accountable for their handling of unauthorized transactions and customer complaints. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The following companies has violated my rights. 

XXXX. Systems - Acct # XXXX XXXX XXXX XXXX Acct # XXXX CXXXX XXXX Management - Acct # XXXX XXXX acct XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters to XXXX, XXXX, TransUnion! We have not heard a response in XXXX business days. By law if nothing is sent in 30 days they are to remove all accounts listed below. Also by law 15 USC 1681i says that there credit investigation would be done with a neighbor and they have not followed the laws. In my letters I stated I was take action. 

These are the accounts below XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove all Listed accounts from all bureaus.
Product: Mortgage

Back in end of XXXX XXXX, I contacted Planet Home Lending LLC in regards to putting my mortgage into forbearance due to financial hardship ( the basement ended up flooding due to an oversight on the company who inspected the home before purchasing, as well as vehicle issues ) that ended up taking almost all the savings that is put aside for my mortgage. During that phone call, everything was reviewed and I was told that I was eligible to be placed on short term forbearance until XX/XX/XXXX. To my understanding and knowledge it was during that phone call the change was placed- no follow up was needed. In early XX/XX/XXXX, I received a letter in the mail from a lawyer, XXXX and XXXX, stating that if I did not have over $ XXXX before XX/XX/XXXX, then my house would be put up for sale. I immediately called Planet Home Lending and asked if it was real and if so what in the world because that is NOT the conversation I had previously. The agent explained to me that I was never placed into forbearance, no communication was sent to me regarding this. I explained to her that this is absolutely ridiculous, she stated they never do a forbearance that long. I asked her why NO ONE has reached out to me by mail or by phone - no answer. I explained to her that something needs to be done about this right now because I am a single mom, and I have XXXX kids at home. We will literally be homeless. She explained to me that she is going to resubmit everything for underwriting and it will be placed on hold. XXXX day - today is XXXX. Yesterday I received YET another letter in the mail from XXXX and XXXX, stating my house will now be put up for sale on XX/XX/XXXX. Today is XXXX and now I dont even know what to do. First they wanted me to get the money by XX/XX/XXXX. Then they said it was going to be resubmitted for underwriting - Now they are saying my HOME- my kids HOME - is being put up for sale. After I have now talked to them more than once about this. I dont know what to do. Please help me. PLEASE.
Product: Student loan

This is in reference to my previous complaint #  XXXX .      XXXX / XXXX /  XXXX   - I contacted a CSR at Nelnet to find out the status of my student loans. I was told that my student loans had been put on Forbearance, from  XXXX  due to an error in processing my REPAYE recertification. At no time did I ever request that my loans be put on Forbearance as I am almost 5 years into my 10 year plan of  Public Service Loan Forgiveness  and I knew that a Forbearance would negatively affect my plan. I was never told that my loan was being put on Forbearance. I was done without my consent. Because of this mistake, I was told that my payments of {$100.00} were insufficient and more interest was added to my balance, bringing the grand total to {$95000.00}.
Product: Debt collection

Sometime between XX/XX/XXXX & XX/XX/XXXX ; I payed the loan back nearly entirely with less than {$50.00} remaining. To : Great American Finance ; For : Laser Tattoo Removal @ XXXX  At the end of XXXX XXXX early XX/XX/XXXX I was released from my position In XXXX I was contacted by a secondary company requesting {$900.00} total payment for missed payments in addition to the remaining balance. 
I informed them, Id need a little more time. 

In XX/XX/XXXX I informed the collection company that Ive fallen on hard times and Im now unhoused and living out of a hostel where I share a room with 9 other people. 
I asked them for more time to get situated so I can pay the loan back. 

I offered to pay the loan back by paying {$5.00} a day until I was able to afford a more substantial amount. They refused to accept the payment at {$5.00} In XX/XX/XXXX, they contacted my mother via phone and text XX/XX/XXXX they started calling everyday and texting XX/XX/XXXX, they contacted my mother again via email and text.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 on XX/XX/2022 provide the information about the identity theft to Experian XXXX XXXX XXXX {$17000.00}
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are both inaccurate and beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : XXXX Balance {$9400.00} Balance updated XX/XX/XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXXXXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX  Balance {$1200.00} Balance updated XX/XX/XXXXXXXX XXXX Balance {$2200.00} Balance updated XXXX XXXX, XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX Balance {$2900.00} Balance updated XX/XX/XXXX These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXX v. XXXX. XXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt collectors must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. 



In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. 



I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. 



Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. 



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

XXXX XXXX XXXX flagged my account as Collections on XX/XX/2023 and my XXXX Score decreased by XXXX points with XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX It wasn't my debt so I files a dispute and was notified it was removed from my credit report : Source : XXXX XX/XX/2023 Report Number : XXXX Now, the SAME DEBT is in collections and myFICO Score has decreased by XXXX points! This time ENHANCED RECOVERY CO XXXX has flagged my account as Collections on XX/XX/2023 : ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance : {$1500.00} How many times must I work to dispute THE SAME DEBT? This is predatory collection activity, happening to a senior citizen. The debt originated with XXXX XXXX XXXX, who I think is also culpable as its happened multiple times with XXXX XXXX XXXX and my credit has been frozen. XXXX XXXX XXXX is ruining my life with these fraud accounts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I marked as inaccurate. Fair Collections & Out.
Product: Debt collection

You guys have stated in the Letter from XX/XX/XXXX : " we believe the majority of their concerns were already addressed in our response to their previous inquiry ''. Which is not true. You guys never addressed the comment stated on my credit report, as to why if I qualify for FCRA the collection as a comment my credit report is still showing this account, and why this collection is still there. I am attaching the letter. 

Another thing, the last payment was made on XX/XX/XXXX meaning you legally have 3 more months to try to get this amount and then after that remove it, according to the state of limitation for collection agencies in FL. 3rd thing I am attaching is the last statements that XXXX XXXX provided via mail back in XXXX. I remember I requested a Credit Card and XXXX XXXX charged {$25.00} one time, and then charged that same amount {$25.00} the same month twice, then got the annual fee again from the previous month, with an increased amount without notice on a XXXX period. I got a credit protection fee I was paying and offered by XXXX XXXX which is stated there on my statement very clearly. So talking about XXXX XXXX, even tho I made that payment ; the next month I was charged a late fee, increasing 2 times the transactions, and raising the fees with me having a credit protection program that they offered over the phone ; in case of missed payments and not having the ability to pay the card. 

The last thing, my lawyer sent you guys is a desist letter, which according to the FCRA meets the requirements, and I am waiting for the response to my lawyer 's letter with a copy to myself from LVNV. Also, I got a notification from the Office of the Comptroller of the Currency to escalate this ; which is going to involve LVNV and XXXX XXXXXXXX. So if LVNV is going to cover XXXX XXXXXXXX on their fraudulent practices, which the statements are attached, and other proof that I am facilitating everything to the CFPB, OCC, and XXXXXXXX XXXX  attorney. If LVNV is going to continue this journey, LVNV is going to be included in this lawsuit for collaboration in fraud, deceiving, and lying practices as an accomplice with XXXX XXXX. 

Credit Protection, is in my statement from XXXX XXXX, meaning credit protection for the customer. So with this said, Good Luck in court and the Federal Agencies on this matter ; cause this is going to stop very soon.
Product: Debt collection

NATIONAL CREDIT ADJUSTERS has stolen my identity ( non consent is a form of identity theft ) and has continued to defame my character, causing mental and physical anguish including but not limited to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, adverse action from lenders including the credit unions that I bank with. I have no contract nor have I ever signed a contract with NATIONAL CREDIT ADJUSTERS for ANY alleged debt, and sending me a copy of an alleged credit card statement from an alleged creditor does not constitute as an alleged original contract between me and the alleged creditors. NATIONAL CREDIT ADJUSTERS sent a copy of a credit card statement from XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX with a closing date of XX/XX/20 which shows a XXXX BALANCE which further proves that therefore I OWE NOTHING. NATIONAL CREDIT ADJUSTERS has violated the FDCPA rules as follows ( SEE ATTACHED EXHIBITS ) : 15 USC 1692b ( 2 ) ; 15 USC 1692j ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at a recent copy of my credit report and I have noticed some fraudulent accounts listed. I have never open accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I have attached a copy of FTC Identity Theft Report with this complaint. Please remove this fraudulent information from my credit file,
Product: Checking or savings account

Dear sirs, Need your help I had the following Two checks deposit into one foreign Trade company in XXXX, they assigned the name of accounts as beneficiary with East West Bank in XXXX XXXX, California ( details will advise per request ). 

Both checks already withdrawal from my equity loan account with East West Bank. 

Here are the details as below : XXXX XX/XX/22 - {$200000.00} XXXX XX/XX/22 - {$22000.00} Confirmed with East West Bank XXXX XXXX were completed. But the dealer- XXXX XXXX in XXXX just said they received both but want me to deposit {$46000.00} more. If not, the deposit money of {$220000.00} will lost. 

Also with the companys information they provided, after phone conversation with the company in XXXX, no such person in their company. 

In the meantime, I already informed East West Bank the mentioned issues and they just told me today they are unable to help. 

Please let me know what can I do to recovery the money, details as below : No Date Amount Bank XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX : US {$220000.00} For the questions that you may have, you can reach me at my cell # XXXX. 

Also, please do not let my husband XXXX XXXX know, he have severe XXXX now and I will do my best to find the solutions first. 

Your help will be truly appreciated. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX account was closed and paid in full. There was actually a over payment that the company owed me. 

A collection agency is trying to collect on an amount that is not owed. In fact this is the second collection company that has tried to collect money not owed to XXXX. 

I have contacted XXXX to dispute and they supposedly checked and collection is correct. It is not! 

I have documentation to prove
Product: Mortgage

I have XXXX loans that I have partners. The partners were collecting the rents and making the mortgage payments with the rents. In XXXX of 2015 the partners stopped making the payments unknown to me and the loans are in default. I was never notified by Wells Fargo of the status of the loans. I only found out after pulling my credit report. I was contacted By an XXXX XXXX in XX/XX/XXXX telling me that Wells Fargo needed me to fill out some paperwork to re-fi the loan and get the payments lower that our partners had request this. He never told me that the loan payments were not being paid or ask for them to be paid. In XXXX 2015 I finally received the paperwork and as I began to read it I began to question what this paperwork was about because it talked about the loan in default. I immediately called and spoke with a gentleman whom gave me that status of the loan. I then contacted Wells Fargo office of the president and offered to pay off the loans if they would restore my credit since I was never contacted or notified by them that the payments were not being made. I followed all the necessary steps and I just received notice from the office of the president that they would not be restoring my credit and they they had no obligation to notify me that my loan was not current. I ca n't believe this to be true. they had my information and never sent me one thing. They only sent it to XXXX my partner. I just ca n't believe that the bank has no obligation to notify all parties listed on the loan if there is a payment issue. Is this the case?
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulently reporting on my consumer report without written consent ( signed contract ). XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.
Product: Debt collection

USA Discounters has illegally obtained a judgement against me in XXXX when the debt was made in XXXX. I was never notified of this civil claim and had no knowledge it existed until the XXXX County Sheriff 's department attempted to place a levy on me. I did not own any property so there was nothing to levy. This company forced me into a Chapter XXXX in 2009 because of their bully collections tactics. They called my job and harassed me by phone several times a day. I included them in the Chapter XXXX and they were paid 1/2 of the {$5000.00} they claimed I owed. Now they are pursuing a judgment, that is illegally obtained for {$10000.00} that I do not owe.
Product: Credit card or prepaid card

I used my Care Credit credit card and the Care Credit online payment portal XX/XX/22 to pay XXXX XXXX for services rendered XX/XX/22 in the amount of {$2800.00}. To date, my provider has not received payment. Care Credit has been negligent in delivering my payment to XXXX XXXX while continuing to charge me for the transaction. I have made calls into Care Credit Customer Service. XXXX XXXX has made calls into Care Credit Merchant Services. XXXX XXXX and I have even sat down together to call into Care Credit. Care Credit verified on their end that the funds did not transfer and had stated that they would internally re-route them to the correct account and that XXXX XXXX should receive the funds by XX/XX/22. XXXX XXXX has still not received the funds as of XX/XX/22 and Care Credit is continuing to charge me on the transaction. Customer Services states they can not help and it needs to be resolved on the merchant 's end.
Product: Mortgage

My mortgage is with Gregory funding previously to them XXXX XXXX had the loan and I guess Gregory funding got of hold of it ever since Gregory funding has had my mortgage I have had fees after fees my payments have gone up drastically to a point that its out of control also Ive tried to get help and they have not given me any options like a loan modification or try to restructure my payments noting and now Im afraid of loosing my home after 20 years.