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

Capital One Bank ( USA ), N.A was grossly negligent in XX/XX/XXXX with following the Federal Statue of The Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX ( " Credit Card Act of XX/XX/XXXX'' ) and has caused harm to me. Capitol One Violated Public Law 111-24, SEC.  150 of The Credit Card Act of XX/XX/XXXX which states : " A card issuer may not open any credit card account for any consumer under an open end consumer credit plan, OR increase any credit limit applicable to such an account unless the card issuer considers the ability of the consumer to make required payments under the terms of such account. '' In XX/XX/XXXX my Capitol One credit card had a credit limit of {$500.00}, on XX/XX/XXXX Capitol One had increased the credit limit of XXXX ( APR 29.40 % ). The extension of with no request from me was 11 times greater than the original limit which was maintained since XX/XX/XXXX. Capital One gave no consideration to my ability to make payments and by doing so violated the federal statute. During XX/XX/XXXX my income was {$6700.00}, in XX/XX/XXXX my income was {$5500.00} and in XXXX it was {$2700.00}. During this time I received public assistance in the form of the SNAP program, fuel assistance and at times was involved in the " Jobs First '' program. <P/>In XX/XX/XXXX I questioned the validity of this account but was told it was too late to file a complaint. After having trouble making a much higher monthly payment I did as Capital One promotes on each statement, " We 're just a phone call away to HELP you, we have solutions. '' So after speaking with a Capital One agent I began and made consistent agreed upon payments of {$220.00} from XX/XX/XXXX through XX/XX/XXXX, This effort to pay off this debt NEVER touched the balance on this account with an interest rate of 29.40 % how was it ever, after 7 months of payments I stopped as Capitol One had no solutions to work with me on getting out of this vortex of XXXX. This account is pulling down my credit score because Capitol One practiced sub-prime predatory lending. I believe this should be nulled as Capitol One engaged in fraudulent and illegal actions under the Credit Card Act of XX/XX/XXXX. It was not legal for them to increase my credit limit 1 % let alone 11 % in one billing cycle. SEC 150 " Ability to pay '' of the Credit Card Act was established to prevent situations like this from happening. Capitol One disregarded the Ferderal Statute in accordance with public law and has nulled any claim against me. This Capital One is too large for me to fight and they have an unequal advantage I am requesting the CFPB help me. <P/>I do not have the means to sue Capital One but they hired a lawyer to sue me, and I responded with basically what I wrote here to you and all my XXXX 's and social service paperwork and credit report. Thier lawyer withdrew the case after I submitted my answer to the court and asked for a counterclaim. Capitol One broke the law, and should be held accountable! I will provide documentation but I have to mail it or fax it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I had a loan which is {$28000.00} opened XX/XX/XXXX and was paid in full without missing a payment. the company XXXX XXXX XXXX XXXX closed the account after it was paid in full on XX/XX/XXXX. 

The reason I'm writing to you is in fact is the way this credit reporting agency reported on my score. Dropping my score 58 points when account was PAID IN FULL. please help me and see what you can do. 
Thank You XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Consumer financial protection bureau I applied for credit to purchase a mattress and bed on XX/XX/XXXX. I was not aware the item I was interested in applying for credit would be sent out. Within the next week I found out that an approved application meant that XXXX would immediately send out the item shown interest. I received a call to make a payment for {$25.00} for processing etc. that call was followed up with an email from XXXX asking for more money. I began calling and disputing asking to stop the shipment. XXXX informed me that there was nothing they could to stop the shipment. I repeatedly called to let XXXX know that I was applying for credit not asking for goods to be sent without my consent. XXXX told me that they would return the bed and mattress. However, the delivery was made within a few days. I was at work when the delivery was made and the bed and mattress were left at my home. Over the next year Ive called and emailed XXXX over 20+ times asking for return labels. Eventually XXXX emailed me and informed me that they sent a XXXX return labels in XX/XX/XXXX. More than a year later! The link to the alleged return labels never worked. They could not be printed or even viewed. I asked for them to be mailed to me because the XXXX link they included in the email did not work. I never received those return labels. I then continued to send pictures of their brand new product still in original shipping packages unopened and never used. My last email was in XX/XX/XXXX asking for return labels to be resent again. My subsequent conversations have been on the phone. However XXXX continues to be unfair as I have made attempt after attempt to return this item. As of XX/XX/XXXX, XXXX has sold a balance to Monterrey Financial and it is showing a balance unpaid, late, and in collections. I have attempted to correct this error. XXXX says they can not speak with me because my account has been sold. XXXX says they can not correct the situation because they can only collect a balance I have to deal with XXXX. This puts me at at unfair disadvantage to the companies who are very hard to reach and even understand. There is a language barrier with 85 % of the customer service representatives. The hold time and time needed to speak with a supervisor is seldomly under 30 minutes.
Product: Student loan

In XXXX, I submitted my application for the XXXX  program, expecting to have my student loans forgiven after having paid towards them for at least 16 years at that point. It was at that time I was told I wasn't in the " right '' program and would have to start over, making another 10 years of payments or a minimum of 26 years of payments. This is in direct conflict with what my servicers had told me in XXXX when the XXXX  program began. 

In XXXX of XXXX, I learned that the XXXX  waiver program had been established. On XX/XX/XXXX I re-submitted my application for the XXXX program. I was told that someone would contact me to help me through the process but I only received notifications stating that I was not eligible for the program ( even though my colleagues at the same agency had their loans forgiven under the XXXX program ). No one contacted me to go through my application. 

In XXXX of XXXX, having heard nothing from anyone regarding the status of my XXXX application, and while continuing to make my monthly student loan payments, I reached out to my Senator 's office who claimed it would help me resolve the issue. They did not. They advised that the Department of Education had no records on me. When they finally found my records some months later, I was told they would then investigate.

In the meantime, I was advised by someone else who worked with me that they had to " re '' consolidate their student loans to a new company but once they did, the loans were forgiven under the XXXX program. So I " re '' consolidated my loans and went to the required servicer MOHELA in XX/XX/XXXX. The letter I received from MOHELA stated it could up to 90 days to process a PSLF application. Sometime in XXXX of XXXX, I finally received an email from my Senator 's office stating that the Department of Education claimed I still had my student loans with my old servicer and therefore was not eligible for forgiveness. Except I had consolidated to MOHELA months before the Department of Education letter was written. I told my Senator 's office that but nothing happened. 

On XX/XX/XXXX, I contacted the Department of Education Ombudsman XXXX XXXX. She copied XXXX XXXX. They said they were going to help me get the matter resolved. I have been working for the State of New Jersey since XXXX of XXXX, and have paid on my student loans thousands every month since then -- more than 2 times the actual amount I've borrowed. 

On XX/XX/XXXX, I received a letter from MOHELA telling me I've only made XXXX payments towards my student loans ( the correct amount is well over 200 -- much more than the 120 required for the XXXX forgiveness ). The letter is dated XX/XX/XXXX, 6 days before I reached out to the Department of Education Ombudsman 's office. 

Why am I not being granted the XXXX relief I'm supposed to be entitled to that my colleagues have gotten? 

One of the most egregious parts of this entire situation is that, when I " re '' consolidated in XXXX XXXX XXXX, all those years of payments on my student loans were wiped off my credit report. My credit score dropped almost 40 points as a result!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 XXXX XXXX and Equifax are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the account completely from my Credit Report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX  Acct # - XXXX XXXX Acct # - XXXX XXXX  XXXX  Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 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 XXXX XXXX credit reporting. I have evidence to prove my case
Product: Student loan

I requested a refund on XX/XX/22 and was told I would receive a refund within XXXX weeks. Called again and was told refund request was approved on XXXX. 
Called back earlier this month and was told my request had been mistakenly sitting in queue with no representative handling it or processing it. Have called XXXX  times since, so XXXX total. XXXX business days and no balance change ( Aidvantage ) and no refund received.
Product: Mortgage

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC.

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE.

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX 1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items 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. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$17000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$190.00} If you feel there is a possibility these accounts 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: Mortgage

In the process of selling my house and need a lien release from Bank of America. A formal request was sent on XX/XX/XXXX. Have a closing date of XX/XX/XXXX and they still have yet to send the release. They have been contacted numerous times by the title company, the real estate company and myself and so far no resolution. Time is of the essence because of nearing closing date. Bank of America has had ample time to send lien release that I may sell my house.
Product: Money transfer, virtual currency, or money service

XX/XX/2022, I have transferred {$1000.00} via wired from my XXXX XXXXXXXX XXXX to Scammer 's bank below. 
Scammers banking information and located in NY XXXX. 
Bank site : http : XXXX Santander Bank Account nameXXXX XXXX XXXX Account number- XXXX Routing number- XXXX XXXX code- XXXX Business address- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Bank address- XXXX XXXX XXXX New York XXXX NY XXXX Scammers misused XXXX XXXX XXXX XXXX and business XXXX Scammer XXXX XXXX XXXX has own Business website : XXXX : XXXX Scammers has used bank web : Bank site : XXXX XXXX XXXX Scammers has used business web : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scammers created shipping tracking web : http : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

T
rans Union XXXX XXXX XXXX XXXX, PA XXXX Dear Trans Union : The credit inquiry named XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX  2016 If you can not provide such documentation, you are obligated to remove the offending inquiry at once.
Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, Equifax, and XXXX  ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 days. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in apply to new credit, housing, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX XXXX - misreporting on Experian, XXXX, XXXX XXXX XXXX XXXX XXXX - misreporting on XXXX Additionally, I have informed the credit bureaus ( XXXX and Experian ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Consumer Loan

Good Afternoon, My name is XXXX XXXX, I am a United States XXXX Veteran who has been attacked by the company DriveTime constantly calling my work place and harassing me over a car that was repossessed in XXXX. A back story, after going through a very hard transition period getting back from XXXX, I became homeless in XXXX XXXX. I called DriveTime and told them I could not make the payments as I could not even afford my rent payments. I told them to come pick up the car and gave them the address and location. That was 2 years ago, all I had on me at the time was a cell phone and as I was sleeping XXXX I was still receiving countless calls at all hours over this car. I have been awarded a XXXX rating of XXXX through the department of veterans affairs and I finally got my life back together. I am now trying to purchase a home for me and my newly wedded wife and I can not because DriveTime has a collection on my credit account for XXXX/XXXX/XXXX which is absolutely ridiculous. This is a false time frame and it is seriously impacting my credit score. I am trying to finally be able to buy a home and I am currently in the position to do so but these people are fraudulently recording the date of collection on this car and it is dramatically affecting my credit. I have asked them to correct the date for which this repossessed and they have yet to do so. It is clear through the Department of Veterans Affairs that this car was repossessed way before XXXX XXXX because I went to the Department of Veterans Affairs in XXXX of XXXX and they set me up at the XXXX XXXX and XXXX XXXX located at XXXX where I was able to take showers etc. I was at fault for not being able to pay for the car but they took the car back, and I am still unable to live a life two years later because they have inaccurately and reaged my credit information. I would like this fixed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete all phone numbers from my consumer report. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 


Please remove all information highlighted in yellow from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my husband was laid off, at the suggestion of the credit union, we modified our loan agreement to make lower payments  ( we were paid ahead ) in case we had difficulty making payments. My husband got a job  a few weeks later. We were never late or deficient. We moved and paid off the mortgage completely in  XXXX ,   XXXX  .     TransUnion continues to show that account as " Paying Partial Pmt Agmt ; Closed '' which reduces o ur credit score and re sults it being flagged with " Serious Deficiency ''.     They have continued to do this even after we have disputed it, even after the bank has provided a letter stating the facts of the matter, and even after MORE THAN 7 YEARS after the supposed " delinquent '' account has been closed.
Product: Credit reporting or other personal consumer reports

I never received my statements, which is a Regulation Z violation.