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

Hi! 
I have been attempting to reach a supervisor to cancel my trip, that I booked through Capital One Travel, since XX/XX/XXXX. I understand these are extraordinary times, and have tried to give the benefit to the company. 
I called on XX/XX/XXXX and waited on hold for 64 minutes prior to reaching a representative that informed me I would need to contact the hotel itself to get permission for a full refund and would then need to call back. I called the hotel on XX/XX/XXXX and received permission for a full refund. They made a note on my reservation. I then called back to Capital One and waited on hold for 2 hours and 20 minutes, during which a representative got on the phone and told me I needed to call back 3 days prior to my trip. I explained that I was a XXXX  on a XXXX  designated unit and have been working extra during the pandemic and would not be able to call during this time, as I work 12 hours. He stated that was what I needed to do. He transferred me to the supervisor, whom he said would tell me the same thing, and the line disconnected as I waited. I called on XX/XX/XXXX and waited 6 hours and 32 minutes before having to disconnect, so I could work in the morning. I called on XX/XX/XXXX from work and had coworkers help listen for an answer as we worked. I was transferred to a supervisor, my total wait time was 8 hours and 43 minutes before the line disconnected with no word ( I assume because the office closed ). XX/XX/XXXX I called Capital One as soon as they opened per their hours stated, waited on hold 2.5 hours and the call disconnected. XX/XX/XXXX I called the hotel to verify the full refund would be granted and again they stated my refund would be issued once Capital One cancelled the reservation. XX/XX/XXXX Since I was not getting anywhere from the multiple calls I made, I decided to mail a letter to the address on my confirmation for the trip to Capital One. I mailed a letter through XXXX  XXXX to Capital One Travel on XX/XX/XXXX cost was {$11.00}. I received a call on XX/XX/XXXX from XXXX  XXXX stating they would not be able to deliver the letter because there was no such address or building. I verified the address from the Capital One Travel confirmation and she stated that is the address they had on the envelope, but it didn't exist. I have attempted to cancel online and my " cancel reservation '' is disabled and the site provides the number that I have been calling repeatedly. XX/XX/XXXX I attempted again today to call and after 1 hour and 5 minutes, the call disconnected stating " system failure ''. I am at a loss for how to contact this company for my refund. I am asking for my refund. Every other company provides a form to fill out or answers within a reasonable time frame. I have had to cancel airline flights and other stays. This is by far the most mismanaged.
Product: Credit card or prepaid card

I agreed to 2 settlement offers ( XX/XX/XXXX and XX/XX/XXXX ) that Barclays Card company did not honor. When agreeing to these offers, I asked for documentation to be sent to me for my records which was not done. Representatives are telling me different things every time I call. They are also telling me that my account is locked and they can't provide any information. Even though they are unable to view my account I am still getting statements by email. They also claim that they are unable to pull call recordings for when I made the payment arrangement but pulled the recording when I disputed a charge in XXXX. I put in a claim for both incidents where my settlement agreement was not honored. No one has returned my calls, sent anything in the mail, left me a voicemail nor emailed me. they are also reporting to the credit bureaus about my account with them which is negatively affecting my credit score.
Product: Debt collection

Clear spring loan services called me several times a day trying to collect on an amount they ca n't prove I owe. I submitted a previous complaint XXXXand they responded by saying they need 60 more days. Why do you need 60 more days, you were trying to get me to pay some bogus amount immediately and now you want 60 days to get your act together. Either you can prove i owe the amount or you ca n't. Why do you need 60 days? Are you trying to find proof? If that 's the case you were illegally collecting from me this whole time and assumed i was some XXXX who would not ask for proof.
Product: Credit card

I have hard inquiries on XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank And I have hard inquires on XXXX XXXX XXXX XX/XX/year> Capital one bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called and started investigations on numerous occasions to have inaccurate inquiries on my report removed.  Company  still has n't removed inaccurate inquiries from my file.
Product: Debt collection

XXXX XXXX XXXX via XXXX XXXX XXXX is stating that I owe a debt from XXXX and stop paying in XXXX Today I received an envelope from them. XXXX letter said I owed the debt and to call to settle the debt and the other letter stated it was a Default XXXX out of XXXX XXXX from XX/XX/XXXX. I did not move to XXXX XXXX until XXXX of XXXX and was living in XXXX XXXX at that time so how could I have a judgement in XXXX XXXX against me before I lived there? I called XXXX XXXX XXXX who stated that the debt was from XXXX and I stopped paying in XXXX and the debt was sent to them. She then went on to say that in XXXX I agreed to a settlement over the phone for {$800.00} of the over {$2000.00} but it did not go through. That never happened. She said I provided a XXXX XXXX XXXX  account information which I have had sitting at XXXX for years and use another bank. Ive never provided my bank information and wouldnt provide XXXX if I was going to. Then she said I was being garnished and thats why I set up the settlement but then later said I wasnt garnished and to avoid garnishment I set up the settlement. None of that ever happened. Again, this is XXXX  years after they say the debt originated. Then I was put on hold so a XXXX could listen to the conversation that was held last year and the lady came back on the phone and said it was me and how would I like to handle the account. The XXXX XXXX case number on the form is XXXX. This does not come up in public records when searched. On XX/XX/XXXX of this year I got an email from XXXX XXXX XXXX asking me how I wanted to settle the debt. If you got a judgement against me in a city I had never lived in at the time in XXXX why are you now sending me emails and XXXX XXXX letters. I believe this is harassment and borderline threatening garnishment on a XXXX XXXX XXXX account and also making up dates and arrangements to move the date of last activity date. I never received a summons to court in XXXX XXXX. Likely because its XXXX XXXX XXXX. Also, in court documents Ive seen in the past the copter does not put the case number as well as the debtors file number in the corner which makes me believe they manufactured this letter for fear tactics. I would like XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX investigated because nothing theyre saying or doing is making sense and I have never entered a settlement agreement or validated that this debt even belonged To me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past, I've had several student loans from the US Dept of Education from XXXX. Over time my student loans have been transferred to XXXX, XXXX, and XXXX I am currently consolidated with XXXX, and the previous loan servicers XXXX and XXXX are reporting my loans with the correct status, which is paid in full consolidated. US Dept of Education is reporting my student loan as Paid/collections, and this is simply incorrect. I have not done business with this loan servicer in over a decade, and this incorrect information prevents me from purchasing a home. I have spoken with two customer service representatives from the US Dept of Education and a supervisor resulting in no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX AUTO Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

BRIGHTWATER CAPITALC/O XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXXCA N'T FIND ANYTHING ON THEM
Product: Debt collection

I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with Nissan Motor Acceptance Corp. When I spoke to a representative from XXXX, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from Nissan Motor Acceptance Corp that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.
Product: Debt collection

Dear XXXX, I consider this matter to be of utmost seriousness and respectfully request that all communications be conducted in writing via the Consumer Financial Protection Bureau complaint portal. Once again, I explicitly do not authorize any telephone contact. In my previous correspondence, I have provided documentary evidence detailing the dates and times of your phone calls. I have attached an updated copy of that report for your further investigation. Should these communications persist, I must emphasize that they may constitute harassment under the Fair Debt Collection Practices Act, and I retain the right to pursue appropriate legal actions to ensure compliance and protection of my rights. 

Please provide verification of your claim, by providing me with true and certified copies ( Not photocopies ) of the Deed of Assignment ( NOT Notice of Assignment ) and Deed of Novation. Please also provide me with the name of the individual who is the duly authorized representative from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ), who has seen the Original Note and is certifying these assignments as certified copies and that XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) now has the Original Note ( Credit Agreement ) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account. Please also confirm the name of the individual who is the duly authorized representative from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ), who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Please provide this information and documents within ten ( 10 ) days from the above date, so that I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper ; you have no legal standing ; no first-hand knowledge of this matter ; your claim is fraudulent ; any damages I suffer you will be held culpable ; you agree to pay all fee schedules ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter any further. 

Should you provide adequate evidence that I owe your organization any outstanding amount and that you have been properly assigned to collect this debt, I am willing to settle any verified claim in full. 
Yours sincerely
Product: Debt collection

I received calls and texts from Sunrise Credit Services telling me they are attempting to collect debt. I received XXXX document from them stating that I have 30 days to file a dispute by a certain date, which I did 13 days prior to the stated deadline and sent it to the email address provided in the sentence " We accept disputes electronically at *company email address* ''. They have failed to provide any proof that I owe the debt or a debt validation. Additionally, they have continued to call and text without providing any of the information required. 

After reading consumer rights, it appears that Sunrise Credit Services is breaking multiple federal laws : XXXX. Continuing to contact me without providing any required information after I filed a dispute. 

XXXX. Harassment by a debt collector by calling without telling who they are. Their callers do not leave voicemails identifying who is calling, and caller ID shows up as " Sunrise '' and possibly " potential spam ''. When it showed up as " Sunrise '', there was no further identification of who the caller was and numerous companies use the word " sunrise '' in their company name so it is not a reasonable identification. I can think of at least XXXX local companies that go by " Sunrise '' and are not this company. 

XXXX. Validation notice. I have yet to receive any sort of validation of debt from the company after requesting
Product: Credit card or prepaid card

My identity was stolen in XXXX as part of the XXXX XXXXXXXX XXXX data breach. My Truist Credit card was used to make 7 fraudulent charges on XX/XX/XXXX and I reported these charges to Truist immediately ( claim # XXXX  XXXX ). Within days, 6 out of 7 of those charges disappeared from my statement in response to the fraud claim and my money was " refunded ''. However, one {$120.00} charge to XXXX XXXX. XXXX remained on my statement despite Truist claiming that they " refunded '' me. I reopened the claim in XXXX and had it escalated due to the fact that 90 days had elapsed and {$120.00} was still appearing on my credit card statements ( claim # XXXX ). I received a third claim # XXXX  XXXX for the second escalation on XX/XX/2023. I am now being charged interest on those unpaid statements related to the fraudulent charges. 

In total, I've made calls to Truist on the following days over the last 6 months trying to resolve the issue : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Each time these calls last at least an hour and each time supervisors are unable to resolve my issue- the most they can do is escalate this with their fraud department.
Product: Credit reporting or other personal consumer reports

Hi, My name is XXXX XXXX. In XX/XX/XXXX, I received notice from a loan company that a loan had been taken out in my name. This loan was taken out in XXXX in XX/XX/XXXX near an apartment that I had moved out of in XX/XX/XXXX ( months prior ). I can only suspect that someone used my misrouted mail to steal my identify. 
This was done through a company called XXXX XXXX, and the amount was for {$2400.00}. 

I called the XXXX XXXX Police Department and reported identity theft, providing them all of the requested details where I would be connected to a detective. The detective requested any documents from the loan company that I could gather. 

I reached out to XXXX XXXX via the phone and asked that they provide me any documents for the account to me so that I can provide them to the police department in their open investigation. They provided me a check with a signature in my name that I did not write as well as a false email address associated with the account and fingerprints of the assailant. I provided this to the detective. 

I called XXXX XXXX and provided them the details of the case and asked that the account be removed from my name. Verbally, they agreed and said it would be lifted. 

In XX/XX/XXXX, I received information from a debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXXXXXX XXXX and asked it to be removed and explained the above. They requested an email with the police report and a description of the details. 
I obliged. No further action was taken by this collector. 

On XX/XX/XXXX, I received information from another debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXX and requested that this removed from my name and explained the above. They requested an email with the police report and description of the details. I obliged and followed up on XX/XX/XXXX and XX/XX/XXXX. No further action was taken by this collector. 

On XX/XX/XXXX I submitted a dispute through XXXX XXXX ( who submitted to XXXX ). I received those results on XX/XX/XXXX as denied. 

I have been affected in my loan applications and my credit. Now I am looking at buying a house and moving forward with my life, but I can not until this is resolved, as it is affecting my credit. 

On XX/XX/XXXX, I opened a dispute through XXXX XXXX ( who submitted to XXXX ). I am currently awaiting the investigation for this dispute. 

I did not realize that being a victim to identity theft would result in being ignored and affected for several years. This is a small loan amount, yet it affects major life choices and decisions. I did not request this loan and my identity was stolen. I have proof that this loan was taken out fraudulently ( through the perpetrator 's fingerprints and signature ) as well as have taken action through law enforcement and formal requests to the collectors. 

I would simply like for this to be removed from my credit history. 
Thank you for your time, XXXX XXXX
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am filing a complaint regarding deceptive business practices by XXXX, a cryptocurrency exchange. On XX/XX/year>, I made a purchase using my debit/credit card on XXXX platform. Before completing the transaction, I was not informed that my funds would be subject to a 72-hour withdrawal lock. However, XXXX still charged me an instant transaction fee, which led me to believe that my funds would be available immediately. 

This crucial restriction was never disclosed prior to my purchase, which I believe constitutes an unfair and deceptive business practice under U.S. consumer protection laws, including the FTC Act and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). Had I been aware of this lock beforehand, I would not have proceeded with the transaction. 

I have attempted to resolve this matter with XXXX customer support but have not received a satisfactory resolution. I am requesting that XXXX either : 1. Refund the transaction fee, as the service was not provided as expected, or 2. Immediately release my funds instead of enforcing an undisclosed restriction. 

I urge your office to investigate this matter and take appropriate action to ensure XXXX discloses such policies transparently to all users before transactions occur. 

Please let me know if you require any additional details regarding my complaint. I appreciate your time and assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I hav

e the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Equifax is re aging a collection account purposely causing my credit score to go down. I do not even own this account and I have disputed this with Equifax several times. Not only are they re aging they are falsely reporting.
Product: Credit reporting or other personal consumer reports

I have tried to contact Credit Karma via phone and online customer service. The site is reporting outdated credit information. I have tried to reach them to complain that my subscription to the service is not serving me. The credit report is pulled from XX/XX/year>. They are unreachable. They do not provide customer service to their subscribers and are very shady in their practices. I want this information corrected and updated. I would like better customer service for the consumer who is having problems with the site. This is frustrating and discouraging.
Product: Credit card or prepaid card

Chase card company regarding an XXXX account. I am sure I am not the only person being frauded against. I ordered a book which was somehow placed on a credit card. Only {$50.00} was placed n the card. I returned the book And was only given {$30.00} credit. I did not want the credit card. Returning the item unopened should have resolved the issue. It did not. I ended up months later with a bill up to {$400.00}. How is it I returned the item unopened. And continued to be charged. I want it off my credit. And will work on seeking legal action if need. I have tried to communicate with the company but have been refused to find a solution. I want this off my credit. I don't owe them anything. I told them I didn't want the card. I have one secured card with my bank. That's all I want.
Product: Credit reporting or other personal consumer reports

I am dissatisfied with TransUnion 's handling of my dispute because they failed to provide verification for an account that does not belong to me. I requested proof of the account 's accuracy and validity, but TransUnion did not supply the requested information. Despite multiple attempts to resolve this issue, TransUnion has not conducted a thorough investigation as required by Section 1681o of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681o.

TransUnions failure to verify the disputed account and its negligence in properly investigating the matter have resulted in a continued error on my credit report. This has caused financial harm and has not been resolved despite my efforts.