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

I maintain an account with Capital One which is a credit card account. This card earns rewards and I have have approximately {$300.00} in rewards fairly earned under the Card 's Terms and Conditions. Approximately XXXX weeks ago I received a notification that the card had been cancelled and the rewards had been taken from me by Capital One. Although Capital One via " XXXX id XXXX '' states I was provided notice of these potential cancellation, I did not receive any notification of the pending cancellation and forfiture of the rewards points. XXXX further mentioned that I supposedly had received a letter but she had no proof of that and when I requested the Terms and Conditions she stated that she had " Technical Issues '' prevented her from accessing any options to retrieve these and unless I held on indefinately she would not provide this information. 

It appears that without warning or justification Capital One took the opportunity to confiscate fairly earned rewards. Furthermore they can not document that they wrote or communicated with me their intention when it could have been remedied and lastly they can not communicate me a process or any other means to validate their notification or other requirements to forfeit rewards while the card was in good standing. I have spoken to XXXX and others at Capital One and they tell me their decision is irreverrsible and the points forfeited.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Report, I identified discrepancies regarding late payments reported on accounts where I have consistently maintained on-time payments. I rely on Consumer Reporting Agencies to ensure the accuracy of my financial history, as it reflects my commitment to responsibly managing my obligations. 

The accounts in question are as follows : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account XXXX XXXX  Account Number : XXXX I respectfully request a detailed investigation into these discrepancies. If there is evidence to substantiate the reported lateness, such as account statements, I kindly ask that it be provided. However, if no such evidence exists, I demand these accounts be updated immediately to accurately reflect my consistent, on-time payment history. I've reached out to the Creditors and the Bureaus to have these payments updated and removed but nothing has changed.
Product: Mortgage

My mortgage transferred from XXXX XXXX XXXX to XXXX XXXX   effective XX/XX/2018. XXXX made my last bi-weekly payment of {$530.00} towards principal instead of a payment ( documents to show proof ). This caused my mortgage to be delinquent with Loancare in the amount of {$530.00}. I have called to correct this issue several times. Most recently I have talked to XXXX XXXX and XXXX on XX/XX/18. I also called on XX/XX/18 to resolve the issue and talked to XXXX. XXXX transferred me to leave a voicemail for the supervisor, XXXX XXXX. I have never gotten a call back from ANY supervisor or any other CSR. I have also emailed documents ( bank statement and mortgage payments ) on XX/XX/18 to help correct the issue. As of this statement, The principal payment of {$530.00} has not been corrected to a regular monthly payment and I am still showing delinquent for XX/XX/XXXX payment. I have paid on time every month but now I am being charged a late fee because of this issue. Loancare has done nothing to help me fix this issue. Please help.
Product: Debt collection

My complaint is against XXXX XXXX XXXX XXXX in the amount of {$1400.00}. This debt has not been validated as I have asked before. I need validation of this medical bill, they are not the original owners of the debt. I will not take verification. I also had XXXX so the debt need to be submitted correctly for XXXX can pay it.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with XXXX and Equifax for Account Name : XXXX XXXX XXXX Account Number : XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX in regards to the following charged off account listed below : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$680.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX XXXX XXXX part. Delete this account from my credit report immediately for inaccuracy!
Product: Credit reporting or other personal consumer reports

I attended a work event in XXXX of XXXX where our purses and wallets were stolen by hired event staff. Police reports were made. I begin to monitor my credit report in XX/XX/XXXX, and I have noticed accounts being reported to my report that I have no affiliation with or knowledge of. I began to research the creditors. I contacted the CRA ( XXXX, XXXX, Equifax ) requesting that these accounts be verified in XXXX. After XXXX correspondences via mail and phone, non-verifiable accounts are still being reported to my credit profile. Furnishing this information to profile is in violation of 15 USC 1681B. Not once have I given any written permission or consent for these accounts to be reported to my profile nor did I have any knowledge of them. These accounts with creditors listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never had any accounts with. Furthermore furnishing accounts to my profile resulting from identity theft violates 15 USC 1681 C-2. These accounts are affecting my credit preventing me from accessing any new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you ONCE AGAIN about the compromising of my social security number and personal information. I am the victim of Identity theft and I am writing to REQUEST an identity BLOCK of items on my credit report that are not mine which resulted from the crime. Please BLOCK the following fraudulently created information from appearing in my credit report included in this letter. These companies are in violation of 18 U.S. Code 1028A. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
* 15 USC 1681 section 602 A states I have the right to privacy.

* 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.
Product: Debt collection

I requested this XX/XX/XXXX and they are refusing Request to Validate Medical Debt XXXX XXXX Common Wealth Financial XXXX XXXX XXXX  # XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX PA XXXX XX/XX/XXXX XXXX Amount of debt : {$1200.00}. Account Number # XXXX Date of Service : XX/XX/XXXX Email : XXXX Provider of Service : XXXX XXXX XXXX  XXXX Dear collection agent, I received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Plus the information release without mu authorization is from a minor. I hope to hear from you as soon as possible. 

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

Credit Bureau Associates-Northeast Inc ( CBA ) is reporting information illegally on my credit reports. Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only ( this law provided below ).

209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17.

( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name.

940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( 21 ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor CBA has placed their name on my credit report in attempt to collect a debt which they have failed to provide ownership of in violation of MGL Chapter 106 UCC 9-405 in that proof of ownership of the account via a valid assignment agreement.

( c ) Proof of assignment. Subject to subsection ( h ), if requested by the account debtor, an assignee shall seasonably furnish reasonable proof that the assignment has been made. 

In XX/XX/2020 I sent them a certified document informing them of MA laws and their current violations as well as asking for validation of their claim to ownership. Under MA law they had five days to provide this validation. They failed to reply with validation of ownership and failed to address their illegal reporting whatsoever. 

In XXXX XXXXI sent a second certified notice informing them of their continued illegal reporting and failure to validate in accordance with state and federal law. They failed to reply whatsoever. 

They have continued to report illegally. They can not prove ownership of their account.
Product: Vehicle loan or lease

This Creditor sent me a letter stating that they have the car but has not ever resold it. More importantly its been 7 years and this should have been off my credit report. This car was bought in 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem 1. 
i woke up to a XXXX point drop in my credit score. When u called trans union they explained to me that XXXXXXXX XXXX  reported i owed them XXXX dollars. But they reported that back in XXXX, and dropped my credit score then. It should not now be randomly dropping my credit score again months later and definitely NOT XXXX points. 
So then i asked about that the rep then continued on to say i was over my credit limit on my XXXX XXXXXXXX XXXX. Well thats Not true. Then he says well this Was back in XXXX, last year. Again, my credit score was already dropped last year because of that so why now randomly out of the blue youre saying Im over my credit limit. 
I fought covid in XXXX and for three months struggle to get things back. 
You can not drop my score at the time of the changes and again now almost a year later. 
I have a XXXX XXXX on there from XXXX. In which i disputed because my contact with them was for XXXX dollars a month and they continued to charge over XXXX a month. They breeched that contract not me. You dont get to sign a contract for a specific amount and then charge whatever you want. Life dont work that way. 
I had XXXX XXXX removed from my credit score back in XXXX  and now theyre back on there. 
Trans union could not explain to me why i was being dinged for things that Ive already taken a hit for. My score was XXXX before covid and i cant continue to take songs on my credit at any random time for any random reason. 
I accept that my credit score tanked when i had covid. I dont accept being singed twice for the same things. And for XXXX whole points. 
I called and the rep could not answer any of my questions, just kept reading off some script of how the credit system works. Im XXXX i know how the credit system works. Then rep hung up on me when i got upset. 
If you have customer service reps who cant deal with upset consumers then they should not be working in that field. Im upset, deal with it, its literally your whole job. Now my credit score is so low that i cant even provide a roof over my kids head. STOP DOUBLE DIPPING MY SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair Credit Reporting Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states 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 under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. 1681i, which mandates a reasonable investigation of disputes. furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NoXXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company multiple times for a signed affidavit to file a police report for identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and your assurances, these fraudulent charges persist, causing me undue stress and financial concern. 

The prolonged existence of these fraudulent charges not only damages my financial credibility but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is unacceptable that despite my repeated efforts, these fraudulent charges remain unresolved. 

I demand immediate and effective action to remove these fraudulent items from my account permanently. Additionally, I expect a thorough investigation into why previous attempts to rectify this issue have failed repeatedly. 

Furthermore, I insist on being compensated for the inconvenience, stress, and potential financial harm caused by the persistent presence of these fraudulent charges on my account. 

I urge you to prioritize this matter and take all necessary steps to resolve it promptly. Failure to do so will leave me with no choice but to escalate this complaint to relevant regulatory authorities. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Regret to say instead of refunding funds the U.S. BANK said : To comply and meet regulatory guidelines, implementation of any policies or procedures does not occur without the most careful consideration. Our policies are designed to protect our customers, as well as ourselves, from unnecessary losses. At the same time U.S. BANK added few more best WORDS reading as " Please consider, since we are unable to verify the funds that were remaining in your account, we are unable to fulfill your request to have these funds returned to you. WHEREAS U.S. BANK 'S own Uni-Statement of my checking account ending in XXXX of XX/XX/XXXX very clearly showing starting Ending Balances from XX/XX/XXXX till XX/XX/XXXX. Oh yes too on XX/XX/XXXX at the time of closure of account outstanding remaing positive balance funds of {$1800.00} was not only taken out BUT have had VANISHED from the bank 's PREMISES soon after the WITHDRAWN instead of sending me CASHIER 'S Check evenafter I asked by FAX where is my MONEY but didn't taken little troubles for to respond. Yes asked U.S. BANK HOW AND UNDER WHAT CIRCUMSTANCES OFFICIALS OF YOUR U. S. BANK WAKEUP FROM FOOL 'S PARADISE after LAPSES OF VERY LONG PERIOD not only for to send me CASHIER 'S Check and to make phone call? Lastly let me say further here that NO ANY BANK OF WORLD IN GENERAL AND OF XXXX XXXX XXXXXXXX do the fraudulent practices and games in particularly similarly WHAT U.S. BANK committed both Civil and Criminal OFFENCES TOO there is a XXXX XXXX CASE AND TOO ALSO XXXX XXXX EVIDENCES AGAINST XXXX BANK.AS SUCH AND IT SHOULD NOW TO GO THE NEXT LEVEL. XXXX Bless XXXX.
Product: Debt collection

In XXXX of XXXX my divorce was finalized and my ex-wife was awarded a vehicle in the agreement that she later in XXXX didn't want, stopped making payments on it and voluntary surrendered it even though both of our names were on the loan. There was over {$16000.00} still owed on the loan and now I'm being sued for the balance plus court fees and filing fees which is now around $ XXXX even though the vehicle was awarded to her in the divorce decree signed by the XXXX XXXX Clerks office . I had to seek legal council to represent me since the XXXX XXXX, who is suing me, stated she could not be located or served, even though I gave them her home address, work address, phone number and new maiden name. Before I acquired representation in XXXX of XXXX I was getting calls every other day to rectify the debt saying they were going to sue, maybe even liquidate assets or contact my company and put a garnish on my wages even though the automobile that had the debt on it was awarded to her which includes all debt involved with the vehicle, its in the divorce decree. I am now in a holding pattern with my lawyers and the lawyers representing XXXX XXXX. This has negatively impacted my credit enormously and caused me significant stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states it uses XXXX as a third party vendor. My XXXX report has been on freeze for a long time and Equifax is not able to Verify a bankruptcy from them. Equifax state clearly on my reinvestigation that they verified my second request with XXXX. This is completely untrue and they must Delete the Bankruptcy. I had the same issue with XXXX and they simply deleted the Bankruptcy. I also have a letter from the court house stating that no information is ever shared with Third party Vendors. Equifax is lying that the investigation was ever done and they must delete this from my credit report.
Product: Student loan

I have a student loan with Great Lakes. In requested a {$0.00} dollar payment plan in XXXX as I was unemployed and working with a XXXX ( XXXX XXXX ) and unable to make my {$650.00} dollar loan payment. I sent them a request and copy of my pay stubs from XXXX XXXX. The repayment plan was never initiated ( although XXXX did ). I then changed employers three months later to another XXXX ( XXXX ) and submitted another request for a {$0.00} based payment plan. Upon their Great Lakes request I sent them a copy of my pay stubs and that requested was still pending as of XX/XX/XXXX. Again I contacted them about my pending application and Great Lakes stated they needed a copy of my Income Tax Return for XXXX which was faxed to them on XX/XX/XXXX at XXXX from the XXXX Office # XXXX. As of today I am still waiting for the payment plan to be approved. Every time I log into my account with Great Lakes it gives the status that my application is being processed. They recently put my account in forbearance but I am being charged over a thousand dollars in interest that would not have occurred if I had gotten the payment plan ( which the DOE / XXXX ) stated would be {$0.00} a month based on my income for 1 year and no interest accrued. It seems to be that Great Lakes is pulling a XXXX XXXX to get additional money from me that I ca n't afford. Can you help?
Product: Student loan

XXXX XXXX 's student XXXX XXXX Washington XXXX XXXX College XXXX Instructor : XXXX XXXX Graduation completed Honor Roll G.P.A. XXXX XXXX No proof of deferment of Stafford loan through financial institutions Sallie Mae No proof of certification is available for transcripts of educational data or credits XXXX XXXX XXXX