23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing a formal complaint against Capital One for engaging in unfair and deceptive business practices regarding my account number ending in XXXX. Despite my full compliance with a Debt Management Plan ( DMP ) through XXXX XXXX XXXX, this creditor wrongfully charged off my account, inaccurately reported missed payments, and failed to provide proper notification. 

Key Facts of the Complaint : I enrolled in a Debt Management Plan ( DMP ) through XXXX XXXX XXXX in XX/XX/year>. 

Capital One initially accepted payments through th

e DMP. I have made every DMP payment on time and in full sinc
e enrollment.

Despite my compliance, Capital One charged off my account.

I was never notified that this action was being taken. 
The creditor stopped accepting payments through the DMP, causing further financial harm. 
They are inaccurately reporting missed payments and the charge-off to credit bureaus. 

My credit report now reflects a charge-off and delinquencies that never occurred based on my DMP compliance. 
This unfairly damages my credit, making it harder to recover financially. 
This appears to be a violation of consumer protection laws. 

The Fair Credit Reporting Act ( FCRA ) requires accurate reporting. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits misleading debt collection tactics. 
Capital One may have also violated state consumer protection laws regarding failure to notify me properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit card

This is related to my last complaint XXXX. XXXX response failed to provide me with documentation showing I enrolled in the XXXX XXXX program. Their response also was filled with inaccuracies. 

You can find their response in the above previous complaint. I am including my response to their response below. They are acting in a fraudulent manner and need to reverse all charges.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Some one gained access to my personal information and ran a hard inquiry at XXXX XXXX XXXX XXXX XXXX XX/XX/2024. Also someone ran a hard inquiry through capital one the following day XX/XX/2024. I don't have capital one credit card anymore it has been years
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE DELETED, AND EMPLOYERS THAT ARE WRONG THAT NEED TO BE DELETED. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Dispute-Failure to Honor Insurance Claim and Filing a bogus and unsubstantiated derogatory credit remark. 

XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to fax Regarding the Item identified on the credit report as XXXX opened XX/XX/2020, date of last payment XXXX 2020, and as a charge-off for {$8400.00} with a past due amount of {$6300.00} reported by Capitol One Auto Finance XXXX I believe this is a false derogatory credit claim caused solely by the lender or creditor, identified as Capitol One Auto Finance ; and of no action, nor inaction of this lendee in total nor impart. 
Attached, I have supplied copies of communications supporting that the remaining, outstanding amounts or balance of said loan ought to have been satisfied by the Guaranteed Asset Protection Insurance Provider, in full effect at the time of the loss.

The attached documentation will support that unknowingly to this borrower, and while I was XXXX, XXXX, and XXXX from the XXXX XXXX  : Capitol One Auto Finance, after having received a total loss, pay-out from the insurer of the at-fault party and finding a remaining balance, did initiate a claim with the Gap insurance for the remainder of the balance owed. 
Capitol One Auto nor the GAP provider has contacted at any time this borrower, It is now alleged by the Guarantee Asset Provider that Capitol One never completed the submission of all necessary documentation to process the claim or to receive payment.

Capitol One Auto Finance Alleged that documentation competed.

To date, the amount remains on my credit report as a derogatory remark and failure to pay, this borrower did attempt on multi [ le occasions to communicate with the lender and the GAP insurance, only to be offered a settlement payment plan to satisfy the outstanding amount.

Also, the GAP insurance provider alleges that although this borrower took the initiative to collect all possible supporting documents and forward copies to both parties, due to the amount of elapsed time since the initial filing that the claim would no longer be considered for payment.

The premium paid for said GAP insurance at the time of purchasing this automobile has been and continues to be unreturned or reimbursed as requested. 

-- Sincerest Regards XXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Debt collection

I have been getting multiple calls from this company for a few months now and am requesting a cease and desist. I do not have accounts with nor owe anything to them for which they are seeking payment. I am asking for the contact to stop immediately. I have mailed and emailed them a cease and desist and they keep calling and harassing my ex-wife calling her as well as they assured me that they would not call her and remove her number and they are still calling her. Under the provision of Public law 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt or any other debts that you allege I owe.
Product: Checking or savings account

Everything you just said are lies and make up just to steal my money and keep it, I asked XXXX XXXX they said the money was refunded to the bank for Claim ID XXXX I have the proof of from them let me know if u need it This Claim ID XXXX too was for an artist XXXX page and the company wasnt able to do the work and they ran away so youre lying again here let me know if you need proof what about the XXXX too please give my money and stop lying you have it I pay a seller about {$850.00} for promotion and he couldnt deliver so I requested a refund which he did but chime havent send the money to me yet, I even attach the final ss of the dispute from the seller that the bank has my funds, another is the {$1000.00} for the same music promotion and XXXX page they couldnt deliver I open a case they got the money but refused to give it, the last was the XXXX XXXX XXXX said they refunded the money but chime havent given it yet please b4 you close my account can you write my {$2200.00} check? From my disputes I will attach the ss of each dispute I save it just in case you want to say Im lying because you can do something like that and let me know if you need more information or evidence this I will provide all the info I got them save
Product: Money transfer, virtual currency, or money service

Subject : Urgent Resolution Required for Missing Funds Transfer To Whom It May Concern, I am writing to formally address a long-standing issue involving a missing funds transfer initiated through my XXXX account to my personal bank account at US Bank XXXX The unresolved matter has persisted since XX/XX/year>2023, and despite numerous attempts to seek resolution, neither XXXX nor US Bank has taken appropriate responsibility to address this matter effectively. On XX/XX/scrub> 2023, at approximately XXXX XXXX, I initiated an instant transfer of {$990.00} ( with a fee deducted, leaving {$970.00} ) from my XXXX account to my US Bank account. I paid an additional fee for the instant transfer service, which should have ensured that the funds were available immediately. However, after waiting for over 30 minutes and not seeing the funds in my US Bank account, I contacted XXXX support for assistance. XXXX informed me that the transfer had cleared on their end and directed me to contact US Bank. US Bank, in turn, claimed they could not locate the transaction due to a lack of information, specifically the bank account number ending in XXXX, which both XXXX and US Bank have declined to provide, citing security reasons. As a result, the funds remain unaccounted for, and both companies have directed me back to the other, effectively leaving me without resolution. After further investigation, I contacted XXXX, the credential-obtaining company XXXX uses to link bank accounts. Plaid informed me that they would be able to assist if XXXX contacted them directly. Despite this viable solution, XXXX has refused to reach out to XXXX, stating it is not their standard procedure. At this point, I am extremely frustrated. It is not my responsibility to mediate between XXXX, US Bank, and XXXX to recover my own funds. The funds were entrusted to your services, and their misplacement is the result of inadequate coordination between your companies. Both XXXX and US Bank bear responsibility for resolving this issue and ensuring that my funds are returned. This situation has dragged on for over a year, which is unacceptable. I expect both XXXX and US Bank to take immediate, coordinated action to resolve this matter. Specifically : XXXX. XXXX must contact XXXX to obtain the necessary information to locate the transaction. XXXX. US Bank must cooperate fully with XXXX to identify and credit the missing funds. I trust that you will treat this matter with the urgency and seriousness it deserves. I look forward to a resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXX CO XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I lived at XXXX XXXX XXXX for 11 years from XXXX to XXXX paying rent as agreed. A portion of my rent ( 30 % ) was subsidized by XXXX XXXX XXXX XXXX XXXX ( section 8 ) who inspects the houses to make sure they are up to the Public Housing Agency ( PHA ) standards. 
After living here for 11 years and in order for me to continue living there, the ( PHA ) Housing Agent in charge of inspections requested that due to wear and tear, certain items needed replacement, a new carpet, new refrigerator and replacement of certain parts of the kitchen counter. XXXX XXXX XXXX administrator agreed to the replacements but then tried to charge me for the cost of these items. After many attempts for them to remove the charges, I seek legal aid and the resolution by the Judge was dismissal of all charges liberating me from the debt. After the judgement I did not renew the lease and moved out. 
Now that I am trying to rent or buy my own place, realized that XXXX XXXX filed an eviction complaint against me when I had already left the apartment per contract and on the date I was supposed to leave.This appears on my credit report as an eviction and as if I owe them for something I don't even know what it is. I believe this was in retaliation for the judgement in my favor. 
In the court documents attached please notice the date of the ruling from the judge in my favor is XX/XX/XXXX and the final judgment for possession is XX/XX/XXXX. 
I moved out XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection in the amount of {$3600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old from date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and is mandated that the account be removed. This false reporting of a collection/chargeoff account is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

This debt was paid on   X/XX/2016    . We have provided bank records with explicit description of payment to   Central Credit Services-   CHECKCARD  XXXX    CENTRAL CREDIT SERVICES    XXXX  MO, {$420.00}.      Central Credit Services-  specifically,  XXXX   XXXX   ,  Chief Compliance Officer- received our documentation and responded by telling me they could not locate the payment that my bank records show as paid to them. I called in response and  XXXX   XXXX  - c ollections supervisor- told me I must call with a banker online to give them an authorization number. We called multiple times with banker online and the calls were not answered nor were the voice mails returned. I had my banker deploy a 'tracer ' on payment and email results to email address requested by  XXXX   XXXX  . I have heard nothing in response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Discover has concluded that the tradeline item is verified, I requested details of their method of verification. Namely, I request a description of the procedure used to determine the accuracy or completeness. At minimum, I request the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnisher. I also request the persons name and address of furnishers of information contacted in connection with such information and the telephone number of such furnisher when you initially prepared that report. 
They do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that theyve prepared concerning me.
Product: Debt collection

After reviewing my credit report i noticed a student loan reporting by LVNV Funding LLC Account # XXXX I notified them that I never received any loan from them I also indicated that i am not liable for the credit item listed on my credit report I demanded that they investigate and immediately remove and block this account from my credit report The continue to report on my credit report causing me harm.
Product: Credit reporting or other personal consumer reports

These Account were Investigated by XXXX and XXXX XXXX and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX - Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to XXXX over the consumer?
Product: Checking or savings account

The Bank froze my account, they said I violated the agreement, which I did not, I request to close the account and send me my money back. They said I m not intitle to the fund, they could not give me a reason, they want to take the money without any reason.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report after submitting an investigation request into the accounts being reported inaccurately on my report. XXXX XXXX. The account is still reported inaccurately, I have never agreed to any consumer contract with this corporation and when I asked for the method of verification to be supplied I never received anything back. Now after submitting my CFPB compliant regarding this account the consumer reporting agencies stated that the account has been updated when in fact all they did was reset the start date and last report date which according to federal guidelines that's illegal because that would change the date for the 7 year term that an account is suppose to stay on a consumer report before being deleted. I have supplied a copy of the account in question which you can clearly see that none of the information matches.
Product: Debt collection

I borrowed {$20000.00} on a Visa to pay my Mortgage, it was a secured loan against my house. When the HOA foreclosed, they sold my house at auction XXXX XXXX for {$50000.00}. My attorney told me the HOA assumed liability of the {$20000.00} XXXX Lien. I called the lawyers for HOA and they say they asked for payoff from the XXXX XXXX XXXX collecting for the {$20000.00} Visa but XXXX refuses to give the HOA atty. a payoff amount. I called the XXXX XXXX XXXX and XXXX who I had spoken to before, suddenly adopted a sing-song tone and answered " I ca n't give you legal advice. '' I asked again, I 'm not asking you for advice I 'm asking what is your intention, why are n't you giving the attorney for the HOA a payoff amount and demanding payment? XXXX repeated " I ca n't give you legal advice. '' On XXXX XXXX, XXXX I wrote a letter and mailed by US Post Office on XXXX XXXX with signature required which I am attaching the letter to XXXX instructing them to give payoff to the HOA attorney. I need your help so they will not do a charge off which will hurt my credit. It is on my credit report as a current debt of {$25000.00} for Visa CACH but as of XXXX XXXX, XXXX we passed the date of redemption when the Deed was transferred to XXXX XXXX on behalf of HOA and the HOA assumed that XXXX Lien. 

Please do not let Mandarich Law Group do a charge off and if you can help please force them to demand and not accept anything less than the whole {$25000.00} that was due. I am also attaching their XXXX XXXX, XXXX receipt to me for my last payment of {$50.00} to Mandarich Law Group CACH on XXXX XXXX, XXXX. 

On XXXX/XXXX/XXXX my application could not be accepted to rent an apartment based on my credit report which shows this as a current debt. In order to rent a place I need this debt removed to help restore my credit. 
Thank you for your help to protect my credit and I gave permission to publish for people in a similar position to know the consequences to your credit and if the collection agent refuses to cooperate, the Consumer Financial Protection Bureau is our Champion.