23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I began contacting Capital One Auto Finance in XX/XX/XXXX XXXX written letter sent certified mail ) advising them that they were incorrectly reporting information on my credit report ( incorrectly reporting it as a charge off, incorrectly reporting an amount due, and I requested that the repossession be removed from my credit report based on the Servicemembers Credit Relief Act protections ). To date, they are STILL reporting my account as a charge off, still reporting an amount owed when there should be done, and it is nearly impossible to speak with someone regarding the issues I'm having with this loan because once your account is closed they only allow you to speak with their collection agency. Unfortunately, the collection agency doesn't have the information/tools to deal with the problem I'm having but when I contact COAF 's customer service they can't help because I no longer have an account. 

After experiencing financial hardship, Capital One Auto Finance repossessed my vehicle in XX/XX/XXXX & sold it at auction. Once the proceeds from the sale of the vehicle were applied to my account, COAF began reporting a balance due of {$2200.00} in XX/XX/XXXX. I was advised of certain rights & protections available to military servicemembers & their dependents/spouses so in XX/XX/XXXX, I contacted Capital One to request protection under the XXXX. To their credit, Capital One did retroactively apply XXXX protections & made adjustments/credits to my loan account to reimburse me for fees, penalties & interest that I was charged during the covered period. They issued a total of {$2200.00} in credits to my loan account ( see attached photo ). This should have closed my account with a paid in full status but instead, COAF has continued reporting this as a charge off account with an outstanding balance of {$1200.00}. I also requested that the repossession be removed from my account since it was done without court order which is a requirement under the XXXX. 

Capital One Auto Finance has not responded to any of my communications, both written & by phone to resolve this issue. I have no idea what else I can do as I have already given them all of the details & they still refuse to correct this. This problem has been ongoing for over 2years & causing a lot of damage to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report found unverifiable, invalidate, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ONE BANK Reported : XXXX XXXX, XXXX {$710.00} Closed Overview You're currently using 75 % of your account 's limit. 

Balance {$710.00} Credit limit $ 950 Monthly payment {$36.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 92 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX A XXXX XXXX XXXX A XXXX O XXXX D XXXX XXXX XXXX XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$200.00} Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Product: Bank account or service

I filed complaint number XXXX because Chase charged numerous overdraft fees on my accounts after I had responsibly made sure there was enough money in them to cover all pending transactions ... I did this based on the information their mobile banking services provided me. 

It has been almost 2 weeks and Chase has not even responded to my complaint. THE FEES keep piling up. 

I went into a branch and was told that since I 'd had fees reversed in the past ( my XXXX account was once hacked into and caused debits to my account, as well as reversals which the bank granted me because I complained about their fairness ) that I would have to just eat these ... that they have no power ... it 's the policy ... XXXX, XXXX, XXXX ... .clearly the policy is to steal from people who ca n't afford it ( people with low balances ) This was not my fault. Even had it been, the amounts that were overdrawn were very small, XXXX or XXXX dollars ... And I deserve to have hundreds of dollars in fees because of this. It should be illegal. 

More and more fees are accumulating now because of pre-authorized debits that would have been covered but now ca n't be since my accounts are over XXXX dollars in the red. 

It 's literally a scam ... .Chase is going to make off with hundreds of my dollars. How is this legal??
Product: Credit card or prepaid card

I called Global Cash Card on XX/XX/2018 to check my balance and noticed my money was not available so i spoke to customer service and was advised of recent transactions in which i did not reconize 2 transactions for the total of XXXX I didnt understand how this was possible as i have the card in my possesion and I do not give out my pin #. The customer serive rep took a report and said someone will contact me. I recieved a letter onXX/XX/2018 from the dispute dept stating no error found. I called customer service once again and was advised to write a letter asking for records as to why or how tjey found no error so i did I recieved a response on XX/XX/2018 stating they finalized thier investigation and no error was found so once again i called customer service and was told there is nothing they can do the complaint was finalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are all reporting XXXX XXXX that are not mine, and never happened. I had a XXXX XXXX XXXX which filed on XX/XX/XXXX. XXXX XXXX provided relief I was seeking. Yet, the 3 bureaus are reflecting additional XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies immediately.
Product: Student loan

In XX/XX/2024, I received a partial payment of my student loans via the XXXX versus XXXX ruling. I am still awaiting the remaining {$15000.00} payment to completely pay off these loans, per the attached letter. MOHELA has taken over the loan company, and is continuously sending me emails and calling me regarding non-payment and interest fees that are accruing for the remaining payment, in direct violation of this ruling. I have contacted MOHELAs customer service and advise them of this ruling and they stated they would not charge me interest rates on the remaining payment while it is waiting to be dismissed ; however, I have still received numerous communications from them regarding this matter and stating my payment is overdue.
Product: Debt collection

We are going through financial hardship and have chosen to debt consolidation rather than bankruptcy. We are two months into this process and one creditor ( One Main Financial ) is harassing us. They have found where I work ( an elementary school ) and have called the front office daily harassing the administrative staff. I could care less if they called my cell phone, but calling an elementary school office ( not even my extension the main office ) repeatedly after being asked to stop multiple times is harassment. They are aware of the debt consolidation and have been contacted by our attorney, but they refuse to listen. I dont know what to do at this point. They call me on various phone numbers 3-4 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

About two weeks ago, I wanted to purchase a refrigerator from XXXX. Doing the on-line paperwork I intended to use our XXXX XXXX that has a credit limit of {$14000.00}. XXXX offered XXXX dollars if I signed up for their credit card. I did and was told I only qualified for a {$1000.00} limit, half the amount. Called Experian and was not given coherent answers. Called XXXX, same result. Ordered a financial profile from Experian and they said " lenders may see you as very reliable ''. I made clear to XXXX and Experian that I owned my home, had no debts ( always pay off credit cards ), good bank account etc. Maybe they were worried I was too old-XXXX. Received an unsigned letter on XX/XX/XXXX, dated XX/XX/XXXX. The letter said my credit score was XXXX. Our bank, XXXX XXXX XXXX XXXX lists credit scores of XXXX for past 6 months at least and XXXX XXXX says our scores are at least 800. This was extremely sloppy research and neither XXXX or Experian attempted to call me. Bottom line, XXXX lost a {$2000.00} sale because of the incorrect credit score. XXXX credit reference reference number XXXX.
Product: Credit card or prepaid card

On the date of Tuesday XX/XX/2022, I made a purchase on my Capital One credit card and booked a Hotel stay at the XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX, CA.The initial booking was scheduled for checkin on XXXX XXXX XXXX check out, however I left the same day I checked in. For instance, once my wife and I arrived and checked into hotel suite I noticed a numerous amount of health hazards in the room such as an odious stench from fungus growing out of AC vents, stains on the carpet and bedding sheets, hair and feces in sink and shower form previous guest. Once I noticed all of these things I made a complaint to the front desk associate and requested to be switched to another room. Once we moved to the next room we noticed the same conditions if. not worse in the very next room that we were placed in. Furthermore, these types of hazardous conditions caused my wife to have an allergic reaction to the air the she was breathing due to her XXXX XXXXXXXX. Next, we left the room to get some air and went to the pool area and noticed that the hot tub area had XXXX floating. Then we packed up our things and checked out that same day. Before leaving we requested a receipt from the front the manager on duty, but were rejected since the booking was done through XXXX. Then he said he would notify XXXX XXXX of a refund that was due and I would notify my credit card company of the cancellation of the transaction. Since then I have been disputing this charge because I was charged for staying at a hotel that I checked out of the same day I checked in. I submitted pictures of all of the unhealthy and hazardous living conditions of each room I was placed in which justified my same day departure from this establishment. Since then I have not been refunded my booking for the check in at the XXXX XXXX
Product: Money transfer, virtual currency, or money service

I use PayPal as a method of payment with my XXXX Shop - I sell vape cartridges. I have plenty of positive feedback and nothing I do is illegal - I'm only selling a part to those that want to purchase it. I had ( 4 ) Returns that must've sparked something at XXXX ( customer trends perhaps ) - but PayPal has been illegally holding my money ( {$1900.00} since before XX/XX/XXXX ) - they have limited my account ( can not do anything - especially take the money ) - Reference ID : XXXX. 

I have tried to explain that I have NOT violated any terms of their user agreement ( which they reference ). 

I have done nothing to deserve " You Can't Use PayPal Anymore '' message. 

And Holding my money for 6 months??
Product: Credit card or prepaid card

I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX Safe at Home order. This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but XXXX and XXXX for Bank of America has made it a mission to harass me and go around the law to win their motions. I need this summary hearing postponed. 

Also, the last bill I receive the amount I owe was {$4200.00} but XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Va XXXX ) are charging more and claiming no interest was added which is not true. 

XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX XXXX   XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 5 late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record. 

Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am a XXXX XXXX XXXX XXXX XXXX, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Debt collection

Subject : Formal Complaint Against XXXX XXXX for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding XXXX XXXX ' unlawful actions : XXXX. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : XXXX XXXX has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 

2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt.

3. False, Misleading, and Deceptive Practice : XXXX XXXX has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 

4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : BULL CITY has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

Given these violations, I am formally disputing any and all debts claimed by XXXX XXXX. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 

In my previous correspondence with XXXX XXXX, I have requested the following without receiving any satisfactory response : 1. Debt validation. 
2. The purchase agreement between XXXX XXXX and the original creditor.

3. Proof that XXXX XXXX is licensed and bonded. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that XXXX XXXX complies with all applicable laws and regulations. Furthermore, I request proof of mail receipt for my records. 

Thank you for your attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought a camera from a woman on XXXX, she said that the app to use to send her the money was Remitly as shes from the XXXX. I went and tried to send her the money and Remitly told me the transaction did not go through but they STILL took money out of my account. Thats fraud and Ive never seen any money transfer service deny a transaction but still take money out of someones account. There is absolutely 0 reason why the transaction shouldnt have gone through. They refused to tell me why my transaction didnt go through and why my account was deleted. They said Id get my money back in up to 10 days but multiple other people had this same issue and said they never got their money back or waited up to 3 months. I contacted their customer service team and they were no help at all. Thats absolute ludicrous!!! They are a scam company and apparently they engage in money laundering!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a credit increase with my XXXX credit card XXXX. Capital one denied me several times. Capital one reason was I was making low payments which is not true. My current balance is {$590.00}. My credit limit is {$3500.00}. I always make payments on time and way above minimum. No late payments. Excellent credit score. I want a significant credit increase based on my excellent credit worthiness.
Product: Checking or savings account

On XX/XX/XXXX someone from Navy federal Credit Union number called me and explained that some fraudulent activity has been noticed on my account in XXXX XXXX at that time the person placed a credit to my account in the amount of the transactions in which they had some of the transactions wrong, and as I informed him that a few of the transactions were made by me he calculated those transactions and asked me to transfer that amount back to the fraud departments managers account whos name is XXXX XXXX a navy federal member in the amount of {$2800.00}. He then began to tell me that they also noticed that someone had opened XXXX other accounts for a loan in the amount {$4000.00} and I informed him that I didnt open any loan accounts and he said that he would take care of it and he then deposited {$4000.00} into my account and asked me to use XXXX or XXXX XXXX to send it over to the loan department so he could close the account out for me in which I informed him that I could do XXXX XXXX and the person sent me a request for the {$4000.00} to my XXXX XXXX in which I did and then he asked me to hold on for a second so he could confirm and left me on hold for quite some time in which I called the XXXX  department on another line to ask about this and the female informed me that it was a scam and that there number apparently was spoofed and began to reset all my passwords and closed the account out. The bank gave me a temporary credit for the {$4000.00} and the {$2800.00} and opened up a new account for me. They later removed the amount of {$2800.00} from my account and explained that the claim was denied but the {$4000.00} is still pending but they also took that money out of the new account so its left with a negative balance.
Product: Debt collection

Back in XX/XX/XXXX 2015 I XXXX and due to being on a collection XXXX ended up going to XXXX. There I did give my information ( medicare ) and I got my XXXX XXXX XXXX XXXX. The morning after the XXXX had already come off ( shoddy work ) and after a days work I only had XXXX left ( I ended up having to XXXX myself ). Month or two later I get a bill XXXX where they want {$340.00} from me. I promptly respond to the bill asking them to explain. What I got from them was what I am including as an attachment ... .i.e. a very cryptic itemized invoice that explains nothing. It does show the XXXX ripping off medicare for XXXX and me for the rest! I wrote them back telling them thats not going to work. That was the last I heard from XXXX. 
Later I get a letter from RCMC ( collector ) asking for the money. I go through the same process of writing to them and last week I get notified they have added this to my XXXX credit file.
Product: Credit reporting or other personal consumer reports

A fraudulent account was opened on credit karma with my name and personal information, except the phone number and email used to open the account and attached to the account belong to the person whom stole my information and I have attempted multiple times to file a complaint or report with them and have not had any success. The only way to contact them is through the website since they do not have a customer service number and I'm not able to get anything accomplish because I don't have access to the phone number or email attached to the account because they do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not getting any responses from the credit bureaus despite of several dispute I sent them for the past few months. These are the accounts I sent them for dispute : XXXX  XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX | XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent the last month trying to get Experian to correct all the incorrect information being reported on my credit report. My name, address, phone number, employment, date of birth are all inaccurate. I was told all information in my credit report is attached to a name that is not mine but even with submission of license, social security card, utility bill, DMV report, mail from XXXX they refuse to delete inaccurate information and update my credit report. Multiple representatives have told me all accounts on my credit report are attached to a name that is not my name or never been my name. Experian refuses to update my credit report and delete all negative items it is reporting even though it is all inaccurate and I have provided all requested documentation. I am unable to access my Experian credit report through XXXX or Experian directly. I am unable to lock my credit profile until this issue is resolved. I am unable to do anything and they have not fixed anything.