23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is regarding deceptive practices involving a payment protection product for a Capital One credit card and for non-timely verification of a credit card debt. In XXXX, I had a Capital One credit card account. I had the account until XXXX when the debt was charged off. Capital One began a lawsuit in XXXX by filing a summons and complaint against me. I answered the lawsuit and requested verification of the debt, but that was not provided until XXXX. The lawsuit sat on the court record for about 10 years when Capital One by attorney XXXX and XXXX requested from the court, a default judgement against me. Even though the action was filed during the six year statute of limitations, they did not provide verification of the debt nor actively prosecute the action until close to 10 years, the statute of limitations in NY is 6 years. 
To the best of my memory, after opening the account, I was offered an additional product called XXXX XXXX which was a separate, insurance based product that would provide coverage should I be ill, unemployed, XXXX. The offer was made by telephone from Capital One. I was led to believe the benefit could be used one time only and the benefit would pay off the balance on the credit card if I were ill, unemployed, or XXXX. I have never received a copy of the XXXX XXXX XXXX. 
Late in XXXX, I utilized that benefit by calling Capital One due to unemployment. I can not tell if interest, late fees, or other fees were supposed to be charged on the benefit, or if the benefit was properly paid. Again, I never received a copy of the details of the benefit. The statements received from Capital One as part of the lawsuit show a monthly charge for the benefit. I also noticed that the benefit continued to be charged during the time I was unemployed and for months after the onetime benefit was used. All these fees and charges are incorporated into the balance that Capital One is seeking to collect through the lawsuit.

Capital one is the original creditor and should have been able to provide debt verification sooner than 10 years. I no longer have documentation regarding documents, notes, telephone logs or requests to/from Capital One as I believed that the debt was paid through the XXXX XXXX 
The CFPB determined that selling of the XXXX XXXX product was deceptive in CFPB Administrative Proceeding File No. 2012-CFPB-0001. Capital One was ordered to make restitution to cardholders between XXXX and XXXX, but the CFPB order came in XXXX, after my account was charged off and the summons and complaint was filed in court. I have no way of knowing whether I was entitled to any rebate of fees and charges under that order but had the card at least from XXXX to XXXX. 
My complaint is for non-disclosure of the terms of the Payment Protection Agreement, a claim for any applicable funds and refunds under the CFPB order and Capital One did not provide verification of the debt within the statute of limitations or reasonable timeframe. 
This complaint is made after a call to the CFPB call center as they could not advise as to whether the funds set aside for consumers had been exhausted.
Product: Credit card or prepaid card

I have been disputing with Capital One & XXXX for weeks on a rental car that I paid up front on and never pick up because they would not take my insurance ( and they wanted to charge an additional {$1200.00}, XXXX rental car ) but either company will not refund me in the amount of {$1300.00}. I picked up another car through XXXX rental car the same day all this took place with XXXX in the amount of {$1400.00} and they took my insurance no problem. It was around the holidays and I just wanted my money back ( {$1300.00} ) and would still like it back as I never picked up the car through XXXX to begin with. I have exhausted all my options. Ive spoke to different managers between both of the companies multiple times and nobody seems of help. 

*Capital One stated if I sent them proof that XXXX stated they would give me a refund with a fee they would be able to help me which I did and included now and they still told me they couldn't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else
Product: Credit card

The attached documents provide proof that the account balance of {$260.00} and a pending return for the same amount is a wash which equals to zero. However ; the attached proves that the business intentionally keeps a running balance on the account, along with asking for a minimum payment of {$30.00} due XX/XX/year> so that they can falsely charge a late fee. 

Process the refund, explain the intentional delay, as of this writing the account balance is zero.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX Amount {$38000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$9300.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$25000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$3900.00} TRANSUNION deemed these accounts as accurate, WHEN THEY ARE indeed INACCURATE they did not properly investigate these accounts during my disputes nor did they provide any evidence of a thorough investigation per my request.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX {$540.00} & XXXX There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan that has been CLOSED/CHARGED OFF at ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX accounts in collection/ closed account with ( XXXX XXXX XXXX XXXX XXXX a cable/utility account at ( XXXX XXXX ) and ( XXXX XXXX ) .It has several hard inquiries that needs to Be removed and deleted from ( XXXX  ), ( XXXX ) finance, XXXX  ( finance ), XXXX XXXX  ( bank ) XXXX  XXXX, as well as address XXXX XXXX XXXX XXXX XXXX OH, XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or closed accounts. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud I have attached A copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal trade commission that all of the aforementioned consumer credit INFORMATION HAS BEEN REPORTED and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  equifax and XXXX  has not currently updated my credit report I have documents proving yeah continental reflex and XXXX on the website stating dirty accounts are XXXX balance I notice accounts are closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached files that I am trying to get rid of in my report. They are not supposed to be there, they are unverified and inaccurate. I have already been writing to the bureaus bit wouldn't listen. I hope you guys can help me out on this
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

The fraudulent items in question, which include [ describe the items in detail, providing any relevant account numbers or reference numbers ], have been inaccurately attributed to my credit history. I have provided extensive evidence demonstrating that these items are the result of fraudulent activity and should be removed immediately. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( original creditor opened XX/XX/XXXX ) After carefully reviewing my credit report, I recognized there are several discrepancies. This collection account is reporting not only as OPEN but it also shows a PAST DUE amount balance of XXXX as of XX/XX/XXXX. 

Nothing happened.
Product: Credit reporting

THERE ARE SEVERAL CREDIT INQUIRES XXXX, XXXX BANK XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX and Transunion that I was ( 30 ) days late in XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) On XX/XX/2020 I sent a letter to the XXXX XXXX  Dispute Center ( please see attached for reference ) and requested they withdraw the negative credit information reporting. I outlined in detail the facts surrounding our lease return of the vehicle. The return of the vehicle had been accepted with no issues. During the entire term of my lease on the vehicle there was never any missed payments. The lates that XXXX is reporting is for a missing key payment, which I specifically addressed in my letter to the XXXX XXXX Dispute Center. I was not aware that XXXX had reported this account late until I obtained my most recent copy of my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried on multiple occasions to reach a representative at XXXX as well as the bureaus to remove these lates however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this false reporting is causing a hardship on my family to obtain a home mortgage loan. I graciously request, again, that these lates reporting be removed.
Product: Mortgage

We have initiated a short sale request with the XXXX Lien holder CIT Bank XXXX in order for to get a review for a Short Sale Approval from the XXXX Lien holder they have requested we provide them with the payoff from the XXXX Lien holder. A payoff was requested Monday, XXXX XXXX and the turn around was 5 days or XXXX, 2016. In our follow up they moved the completion deadline to Monday, XXXX XXXX, 2016 and CIT Bank set another deadline to Tuesday, XXXX XXXX, 2016. During our follow up yesterday, XXXX XXXX XXXX, 2016 they said they could n't provide a payoff because the loan number was incomplete. We compared our request to the loan number on an old statement and the loan number used to initiate the short sale and they all match. We have made several phone calls and have been transferred multiple times and we have no cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

send me copy of my credit report they dont let me login to any of the free accounts either
Product: Mortgage

My attorney called XXXX of Well Fargo to let her know I was going to sign the Loan Modification after accepting it by paying and continuing to pay the new payment of XXXX. When he called she told him the deal was off the table and I would have to refile for a new modification which I did in XX/XX/XXXX. Since sending in the papers no one contacted me. I called to check on the paperwork and they said according to the CFPB that you can only file within 3 years. I filed for my first modification in XX/XX/XXXX and now in XX/XX/XXXX. How can they get away with Taking my home when they said I qualified for the new modification and took it off the table?
Product: Student loan

MOHELA has me listed as still being in school, but I graduated in XX/XX/year>. This is affecting my ability to go into repayment for my federal student loans and make qualifying payments towards PSLF. I have confirmed with my school 's registrar that my correct enrollment information was sent to XXXX back in XXXX, but MOHELA claims they never received such information and can not view it. My call log and written notes show that I have called MOHELA more than fifteen times between XX/XX/XXXX and XX/XX/XXXX, and my wait times/hold times to reach an agent have been up to 94 minutes each. Once I reach an agent, I often have to wait again ( frequently for an even longer amount of time ) to reach an advanced agent. I have received inconsistent and inaccurate answers from agents regarding how to fix this issue, or no answers at all, as sometimes the calls dropped before I could reach an agent and other times the agent would tell me they couldn't view the information and then failed to provide other solutions. I have also tried reaching MOHELA to resolve the issue via email in my MOHELA portal. None of the responses ( which take several days to a week to come in ) have answered my question or resolved my issues and have been boilerplate responses telling me to call MOHELA if I still have questions.
Product: Credit card or prepaid card

On XX/XX/2021 I contacted First Progress in an attempt resolve my issue concerning the inability to access my online account. After over 3 calls to their customer service reps, who were ALL very rude and discourteous, I was repeatedly told to " follow the steps ''. 

I tried accessing my account using the " Create A New Account '' option I was instructed to use SEVERAL times. Each time I received the same outcome - not being able to access my online account. 

All I want is to do is to be able to access my online account and this company REFUSES to assist me!
Product: Debt collection

I leased a Vehicle from JD Byrider ( CNAC ) and the whole process was fraudulent feeling, and Wrong id later find out. They over charged me on a XXXX XXXX XXXX that was faulty basically rigged up for the sale. But i ended up paying XXXX XXXX XXXX  for a vehicle i only gotten to drive for 4 months or so. I called multiple times to fix the issue and was bullied and and taken advantage of bc of my lack of knowledge of cars and buying cars. They knew it was my first vehicle and i was desperate bc i wasnt having very good luck with finding my first vehicle. They tried to charge me XXXX dollars plus intrest on a vehicle that blue booked XXXX to XXXX XXXX in great condition ( the vehicle i leased was not close to good condition ). I ended up paying XXXX dollars the majority while the car was broke down in my driveway for way too long. I was told they would fix it or trade in if i could drive the broke down car to them from 5 hours away which they knew and had only said that after i told them i couldnt and that car was my only transportation. ThSo i was threatened about my credit and intrest on my loan if i didnt contenue making payments on the then broke down car. So i did for way to long. They finally towed the vehicle back to the shop after 7+ months of us going back and forth. They had no attentions on letting me trade it for a diferent vehicle or fixing it and letting me continue making payments like they said and said was their policy they kept the vehicle then hit me with the bills like they had planned when they shook my hand on the " sale ''. Next thing i know im in debt with them no vehicle and credit took a hit and havent been able to get a vehicle from a decent lot in years bc the mark on my credit. I want my money i spent on XXXX XXXX XXXX  repairs and payments on a haunted house with new fancy curtins. They could have atleast traded the vehicle for a different pos like they said they would. Ive been denied more times then i can count or over charged bc of CNAC JD Byrider. Killing my credit lost my job bc of transportation and draining my pockets. This was in XXXX through XXXX in XXXXXXXX XXXX  at JD Byrider my name is XXXX XXXX