23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 


( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Debt collection

I filed a dispute in 2020 because this account did not belong to me so this account was brought by an collection company brought an account and trying to come after me for something that dont belong to me I asked for Verification and validation of this account that I own this account that was brought I asked for proof that yall was the original Owner of this account and that yall have a clear title of this account and something that shows I made payments to this account please provide this information if not please remove from all XXXX Credit Bureaus.What process did yall use to verify this account
Product: Credit card or prepaid card

I have a priceline rewards visa signature card which is serviced by Barclays. My rewards program says I get 2 % cashback on all purchases and when I redeem the cashback as a statement credit against travel purchases I get a 10 % redemption bonus. I have been using the card for several years and I get this bonus almost instantaneously as I redeem the cashback towards an eligible purchase. 

On XX/XX/XXXX I redeemed XXXX points ( {$120.00} ) against a hotel booking purchase and I was supposed to get XXXX points ( {$12.00} ) as redemption bonus as per terms of the program. I have redeemed against booking for the same hotel in the past and got the redemption bonus in the past. This time I didn't and so I called customer service within minutes of making the redemption. I spoke to operator with ID coeafr who assured me that I will get the bonus when my current statement closes - I questioned the operator as this made no sense as I used to get this bonus instantaneously in the past to which I was given no satisfactory answer and that I will get it once my statement closes. My statement closed but no luck so called again on XX/XX/XXXX and spoke to operator with ID XXXX who said I need to wait for another day for the credit to reflect. Again I asked why its not instantaneous this time and no answer. I called again on XX/XX/XXXX and spoke to operator with ID coemvm who said the same thing - wait for a few more days. This time I insisted a formal case be started as I can't keep calling back and its a drain on my time. The operator logged case number XXXX and promised me that I will get a response within 7-10 business days. Fast forward to XX/XX/XXXX, an entire month after the initial issue, no response on the case I had filed. I called customer service again. The first operator transferred me over to another operator with ID XXXX. The other operator said she can not do anything to help me with this case either and transfer me over again. 

Basically customer service is playing a game of passing the parcel until the customer gets fed up and gives up. I spoke to several agents and not one made an attempt to figure out what the issue is and just wanted to defer the issue to another time as that would involve another operator. I have already spent a lot of time speaking with customer service ( and waiting in line ).
Product: Debt or credit management

I signed up with United funding logistics based out of XXXX Texas approximately 19 months ago. 
I paid a flat fee for lifetime services for XXXX XXXX  and I of {$270.00}. 
Within 4 months they claimed they were being blocked by the credit reporting agencies from being successful and were pausing all challenges and litigating. After 4 months the owner began posting on XXXX that a huge FCRA complaint was being finalized and we should expect payouts soon. Payouts never came. Instead it became a bait and switch. Angry tirades began being posted on XXXX claiming adverse actions were going to be taken against us questioning where our settlements were. Essentially threatening people making negative or questioning comments online with being disqualified from settlement or putting toward the end of the payout schedule. A scheme of now requiring people to pay XXXX XXXX XXXX monthly to continue to receive services began. Threats and an actual website called XXXX for people complaining of now relief of services or settlements promised was put up highlighting people the owner believed deserved to be publicly shamed for challenging him. He also was abusive in his XXXX review comments against negative reviewers speaking in their private personal finance situations to publicly shame them. I have several recorded calls of the owner promising me services and then never following through with them. I have dozens of incriminating XXXX videos downloaded of unclear, false or bait and switch tactics this person has done that dispute the recorded phone calls I have promising me opposite services. After 6 months of receiving no services I began to check in my own searching on pacer, calling the cfpb, calling XXXX federal courts searching for a litigation case. There isnt one. Its all been a grand scheme to buy time for no services, construct a plan to charge for new services while using a mythical lawsuit to bait and switch people for more money monthly, positive reviews online and at the XXXX. Now Ive received an email for cancellation and a refund if I like. I have not submitted this to release the party from his liabilities. I was promised XXXX minimum. Plus an additional XXXX dollars for settlement funds. Now the owner no longer answers or returns my emails or calls. Hes closed his original XXXX but theres imposters reposting his videos still. 
This person who goes by XXXX XXXX online but real last name is XXXX XXXX with the XXXX  is defrauding XXXX XXXX XXXX XXXX XXXX across America for millions of dollars to support his lifestyle while being a predator to vulnerable people trying to restart their credit lives. 
Outside of 4 months of bureau challenges Ive received no services I paid for. 
He also charges a monthly credit monitoring fee I can not cancel. Ive had to lock that credit card to prevent charges because he wont answer the phone for me nor return emails. 
I have dozens of videos, and audio recordings, from XXXX & phone calls I can not upload as they exceed the file size requirements that directly corroborate the lies and misrepresentation he continuously purports to keep his scheme running
Product: Student loan

I paid off both of my student loans in XXXX of XXXX. I even have a certificate verifying that I have paid in FULL. After several months I started receiving statements saying : your payment is past due your payment is past due. So in XX/XX/2024 I called them to see what the issue was. They told me it was because MOHELA transferred to a new platform and none of my payment history or information had been transferred- therefore they have no record of me paying ANY amount off on my loans. They told me in order to fix this I needed to upload my bank statements of the payments. I quickly did that and uploaded it to the website where they asked me to. I never heard anything back from them. Several months go by I start to get these emails about missing payments AGAIN and this time my credit score is starting to go down saying my loans are increasing. In XXXX of XXXX  I call them again after waiting on the line for an hour just for them to say they never received any uploads of my bank information even though I did. And when I asked to speak with their manager they denied me. They lost my information with NO SYMPATHY and asked me to upload the information AGAIN. I did the exact same thing- again never heard back and my credit score is continuing to decline. This is the most exhausting, disrespectful experience I have ever encountered. I am a XXXX XXXX XXXX, who worked HARD to pay off those loans and for this business to try to say I didnt when I had to eat ramen noodles for months is crazy. Im so angry and I want this fixed
Product: Credit card or prepaid card

Capital One has sent me nonsensical and incorrect documentation in regards to fraudulent charges that were not made by me and posted to my credit card. I have been treated inappropriately by Capital One on numerous occasions, and I feel it has do with a XXXX bias against me. This issue involves fraudulent charges that I do not recognize and Capital One is refusing to remove. Capital One is the only credit card company I have ever had an issue with of my numerous cards, they are abnormal in their response and behavior and are not abiding with US Law. The Fair Credit Billing Act ( FCBA ) protects consumers against inaccurate or fraudulent credit card charges and other billing errors. 

XXXX has charged my card for {$120.00} total, I do not recognize these charges, and Capital One is refusing to remove them. I was charged on four separate occasions. I have submitted all information to Capital One, of which I have copies of, and they are still refusing to remove fraudulent charges from my card. They sent me the following communication : " We opened a dispute case on XX/XX/2022, because you stated that you were unaware what these charges were '' They are acknowledging that I reported fraud to them, and are doing nothing about it. Nor have they provided any information on their findings in the dispute process or how they arrived to their conclusion. They have provided no evidence or proof of anything- they are simply refusing to remove fraudulent charges because it benefits them financially. They have also stated " We issued a permanent credit on XX/XX/2022, for the XXXX XXXX XXXX that occurred on XX/XX/2022 '' This is incorrect, all charges totaling {$120.00} were put back on my card. They are lying directly to the CFPB. Also, how can they give a credit for a charge in XX/XX/XXXX that they said occurred on XX/XX/XXXX, XXXX month after? They are lying directly to the CFPB and not even making sense, it shows the lack of respect this company has and how it does not take the issue seriously. 
Capital One 's behavior is in direct violation of the XXXX Credit Billing Act. Here is the law directly from the FTC website : " If the issuer determines that you owe the disputed amount, they must tell you promptly and in writing how much you owe and why. You may ask for copies of documents that the issuer says prove you owe the money. '' I have asked them for documentation proof or evidence of these false charges and they have not provided it to me, as the law states they must. Capital One is violating consumer law, and I believe it is due to prejudicial bias against me. I am asking the CFPB and FTC to assist me against this predatory company. It is disgusting how poorly they treat the family of a veteran.
Product: Debt collection

AARGON AGENCY INC has yet to validate this alleged debt as belonging to me. I have sent certified mail asking AARGON to provide me with proof. I have not received any correspondence from them validating this debt they claim to be mine. I sent a certified letter XXXX and was delivered XXXX and still no proof of debt or signature belonging to me.
Product: Prepaid card

Purchased a Google play gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that.
Product: Credit card

On XXXX XX/XX/XXXX, I applied and was approved for a PNC Cash Rewards Visa Credit Card [ the XXXX XXXX ] I never received the card, thus I called PNC to cancel the card, as it was out there in XXXX XXXX XXXX I then applied for a PNC Cash Unlimited Visa Signature Credit Card. [ the XXXX card ]. That is when everything went off the rails. Background of myself= I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX  score was over XXXX [ before all the dings while applying for these credit cards. ] I have been a PNC customer since the took over from XXXX XXXX. I have a checking account and 2 credit cards issued by PNC bank, one of them I am an authorized used of my wife 's card.I have never had ANY late payments, collections, or anything negative on my credit cards. My credit report states that also.PNC DID ORDER MY CREDIT REPORT, so that is confirmed. I filled out my application and I have no mortgage, no car payments, and my total income from pensions and dividends come to around XXXX per year. PNC requested I send them a SSA 89 to confirm my identy Told them I had my Social Security direct deposited in my checking account, that proves who I am .But I did send the form in. 
They then requested a form 4506-c and my income tax form from XXXX. That is when I told them to forget it. They sent me a letter stating " If your situation changes, we would be happy to help me submit a new application. I thought my situation was in fine shape.I feel that the reason they are doing this is because of my age. Their is no other reason
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

I owed XXXX to chase at the end of the day my wages were garnished more than XXXX
Product: Credit reporting

Hi on my Credit Report there is about XXXX Loans took Out, XXXX is were I used a XXXX Times XXXX # Cards, up to XXXX $ the Co Ripped me Off, there Recording was Scrambled during the process # The man Lied to me, and Kept Hanging Up on Me after the end he said I Deliver the Money to your House? and Get this they Called Me, its on my Credit Report, The Co Name I, m Faint its been a While this is first Time doing this Today. that 's 1 Co, Ripped me Off for XXXX $ The Co I, m very Sure Embezzled Money, and Used my Name for Fraud Racketeering, and To have XXXX XXXX XXXX XXXX Call me and Try to Rip Me Off, Whos Behind these Crimes there All XXXX,? Very Scared Some times Plus the Cases I, m Next Sending to the FTC.Gov about XXXX .. Next there is about XXXX More Loans token Out or More? from Cyber Crime Theft s, I had XXXX Call me saying I Owe Them $ $ Money for Loans then theyde Hang Up? That 's Very Fishy There. I still Keep Getting these Go to XXXX XXXX Send Check to us Bla Bla and They Rip You off from the First XXXX XXXX Scams I, mPosative. My Name is Wrong on some and Adress etc XXXX, How Do I Get My Credit Score Up Help? Can you BELEIVE I, m involved in over XXXX Bank Rip offs and Still Going Hmm
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that there are inaccurate accounts listed. I ask that you investigate each account lawfully and provide a detailed description of the investigation process. Under Section 15 USC 1681 ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. The dates opened and closed on the following accounts are inaccurate and the amounts are inaccurate. You Can't provide the description of the investigation so remove these accounts : 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

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under XXXX XXXX. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Please update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. My name is XXXX XXXX and I have reviewed my credit report and found several errors which need to be rectified as soon as possible. 

Firstly, I would like to dispute the following bankruptcy cases as they do not belong to me : Bankruptcy XXXX XXXXXXXXdismissed Case Number : XXXX Bankruptcy XXXX XXXXXXXXdismissed Case Number : XXXX I request you to remove these items from my credit file immediately as they are not mine. 

Secondly, I would like to dispute the following accounts as I can not recognize them : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please investigate these accounts and delete them from my credit report if they do not belong to me. 

Thirdly, I would like to dispute the following accounts as they have incorrect information : XXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXXXXXX XXXX  Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX This account has never been paid late. Please update this account and delete the inaccurate information immediately. 
Fourthly, I would like to dispute the following personal information as they are incorrect : Account Number : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX This is not my name. Please delete it from my report. 
I urge you to comply with the Fair Credit Reporting Act ( FCRA ) law, and investigate these items in a timely manner. Please inform me in writing of any corrections made to my credit report. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Creditor call to settle for {$14000.00} its been  7  yrs still paying {$150.00} a mth and the statements show i owe {$21.00} i call only talk to  XXXX  person he said it will show what my balance was before they buy contract..never get actual balance.
Product: Credit reporting or other personal consumer reports

I received my credit report in XX/XX/2024 from XXXX, Experian and XXXX and noticed delinquent items, open accounts I never authorized and charges in my name that I did not give consent to contract with nor did I receive any credit or use of any goods or services. I did not give my permission or consent to XXXX, Experian or XXXX to report any inaccurate information pertaining to me or my property. According to TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. Code 1681 ( b ) ( 2 ) Permissible Purposes of consumer reports. NO CONSENT IS IDENITY THEFT.
Product: Mortgage

XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Struggling to pay mortgage Hello cfpb -- I submitted the above complaint. TD Bank did respond by sending our attorney a waiver in lieu of foreclosure releasing us from all liability. We signed the paperwork and returned it in a timely manner, but then received a letter that it would take " some time to do a revised deed search '' for the Bank to sign and return the papers to us. We have not heard from them. In addition, we've received a bill from the Bank for over {$32000.00}. This is so much stress on our family, especially with our daughter so ill. Please help us. Thank you. I'm at XXXX, XXXX and our attorney is XXXX XXXX. His contact information ind on our first complaint.