23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I sent my payment ( an endorsed negotiable instrument ) for the total balance due : {$20000.00} to Capital One Spark XXXX account ending in # XXXX. It was sent certified mail with return receipt so I have proof that it was received : that is Conditional Acceptance. At first they pretended they did not receive the payment but then they admitted they had received the payment but that they did not accept that kind of payment : UCC 3-104 Capital One did not return the instrument to me and did not discharge the debt : UCC 3-311 . Then they marked my payment as late and started reporting inaccurate payment information to all 3 credit bureaus. They have been ignoring my letters or phone calls until I filed a complaint with CFPB. They said they do not accept that type of payment. This is dishonor to my instrument. UCC 3-502 Also they did not return the instrument to me. On XX/XX/XXXX I sent my payment ( an endorsed negotiable instrument ) for the total balance due : {$2000.00} to Capital One Quicksilver account ending in # XXXX. It was sent certified mail with return receipt so I have proof that it was received : that is Conditional Acceptance. At first they pretended they did not receive the payment but then they admitted they had received the payment but that they did not accept that kind of payment : UCC 3-104 Capital One did not return the instrument to me and did not discharge the debt : UCC 3-311 . Capital One has marked my payments as late and I have been denied credit because of their fraudulent behavior. They have dishonored my instrument. UCC 3-502 Capital One is in breach of contract and breach of fiduciary duties. All information was pre-populated by the referring agency. 
On XX/XX/XXXX I sent my payment ( properly endorsed negotiable instrument ) of {$21000.00} to Capital on via certifed mail : they signed for it on XX/XX/XXXX. They did not applt the payment to my account ending in # XXXX. Also they did not return the payment to me. Capital one has dishonored my instrument. Capital One has stolen another promissory not from me. This is fraud!!! They have stolen more than {$40000.00} from me and are reporting fraudently to all 3 credit bureaus that I have not paid when in fact I did. I have been denied credit and also denied for a loan because of the fraud Capital one is perpetrating. 
On XX/XX/XXXX I sent my payment ( properly endorsed negotiable instrument ) of {$1800.00} to Capital on via certifed mail : they signed for it on XX/XX/XXXX. They did not applt the payment to my account ending in # XXXX. Also they did not return the payment to me. Capital one has dishonored my instrument. Capital One has stolen another promissory not from me. This is fraud!!! They have stolen more than {$3000.00} from me and are reporting fraudently to all XXXX credit bureaus that I have not paid when in fact I did. I have been denied credit and also denied for a loan because of the fraud Capital one is perpetrating. Why is there no remedy when Capital one is clearly breaking UCC 3-104, UCC 3-603 ( b ) UCC 3-502 and defruading its customers.
Product: Credit reporting 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. 

Account Name : 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 XXXXcount XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe were reported in error. 

XXXX XXXX XXXX : {$6900.00}
Product: Debt collection

In the beginning of XX/XX/XXXX, I was contacted by FCO ( Fair Collections and Outstanding Inc ) over a debt for a townhouse I was renting in XXXX. 

I cosigned a lease with a roommate that was from XXXX XXXX XXXX XXXX. 
Only XX/XX/XXXX, I notified the leasing office that I will be moving out at the end of the lease, while my roommate will continue to stay. On XX/XX/XXXX, the Leasing Office, my roommate and myself, all signed my vacate forms. 
-- -- I requested the debt collector provide verification as well as provide an itemized list of what I owe. What was produced was only an FCO made document outlining debts accrued in XXXX of XXXX. XXXX month after I have already left the property. 

After 3 weeks of attempting to get paper work from the leasing office, I was finally given my vacate form. 

After sending the signed vacate form, I notified the collector that I was not associated with the property during that time, and that my old roommate was the one whos name was associated with the lease at that point. I was informed by the collector that my vacate form is not good enough to show i dont owe the debt. despite correcting her and stating that the responsibility is on FCO to prove I owe the debt, she refused to remove my name from her list. 

I was then told by the agent that since the roommate was not responding to attempts to collect, they are communicating with me instead. This is illegal. 

I again asked them now a second time, to provide all documentation they have of me regarding this situation. What was sent back to me was the initial lease, and the Vacate form that was missing the signature of me, the property manager, and my roommmate. It also did not show the dates it was signed. The document is also supposed to be 2 pages long, and they only managed to display 1 of the 2 pages. This is illegal. 


All information provided by the Collections Agency lacks any evidence or proof I was on the property, associated with the lease for the debts. Infact, upon further review of what little evidence they provided, I sent notice of my leave months ahead of time, and left at the end of my lease. This was confirmed by all parties involved.
Product: Mortgage

Myloan care used to be my mortgage servicer. They stopped servicing the loan in XXXX 2015 and I didnt realize that until early XXXX 2015. My payment was made thru online bill pay at XXXX to them, instead of going to the correct, new servicer which is XXXX XXXX. I 've spoken to XXXX care multiple times, sent numerous emails asking that they refund my payment because it rightfully should have been sent and received by XXXX XXXX. They have been non-responsive to emails which they were supposed to respond to within 10 business days. I filed a ticket # with them Ticket # XXXX and sent proof to them back in XXXX showing where my payment had been made to them and they said they 'd research it and give me a refund. It is XXXX and still no refund. The XXXX check was for XXXX. I have also filed a ticket with XXXX and proof of payment made from my checking account is : For XXXX XXXX {$2900.00} Reference # XXXX and old account # XXXX ( mortgage account # with myloancare ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX XXXX XXXXXXXX claims i owe {$9700.00} and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have asked this third party company to validate this debt several times and I also asked for. a purchase agreement to be included in the validation process also an they refuse to validate the debt and I also sent a letter requesting arbitration also andth ey received it on XX/XX/XXXX and I have yet to hear anything from them and every time I call I get talked to very disrespectful and so unprofessiona I never gave XXXX my permission to share my personal in formation with anyone else I never signed a letter or gave my oral consent to share my information to an one else 15usc 1681 section 602 that I have the right to privacy and my privacy has been clearly violated by the unauthorized sharing of my personal information with a third party company that I have no knowledge of and that I don't have an account or ever done bussineees with
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$550.00} XXXX/XXXX  XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}
Product: Debt collection

This creditor ( RADIUS GLOBAL SOLUTION ) is stating because of the age of the debt, I can not be used. They sent a statement stating that I can renew the debt and the start time period for the filing of a lawsuit against myself if I take specific action such as making a written promise to pay. I did not take any action for this debt. I did not purchase or sign any contract for services from XXXX in 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the with fair credit reporting act XXXX  acount XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX mi XXXX Has violated my rights 15. u.s , c 1681 sections 602 A state i have the rights to privacy 15 u.s.c 1681 section 604 section 2 has also states a consumer reporting agency can not furnish a account without my written instuctions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX ... Balance : {$39000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX  XXXX XXXX  was properly investigated but how is that possible if the open date is inaccurate, payment history is in accurate, the date last active is inaccurate, and date last reported is inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit bureaus took more than 30 days to complete my investigation.
Product: Credit card

I have tried to use my American Express gift card with multiple online and retail stores, American Express claims the card should work at both, although I have tried to use the card over a dozen times the card or transaction is always denied. Retailers claim that a change by American Express is the cause and not and issue with the retailer. I looked online and found that this is very common with American Express gift cards. I have tried multiple time since the card was activated XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

XXXX I went to an ATM at Bank of America in XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX to deposit {$1000.00} into my checking account. The machine took a while and after that while, it said that it recognized {$1000.00} out of the {$1000.00}. It then asked me how much did I insert, I then told the atm, {$1000.00}. It started to count the money once again and said, we are unable to process your request and can not return your items. I then called the number and they told me to wait 30 days for a solution. I need this money for rent and bills and now Im on the verge of eviction
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is being reported to my credit profile and I have proceeded with the proper steps to resolve this issue. I need the items removed form my credit report asap.
Product: Debt collection

I am receiving repeated call from Portfolio Recovery. They are call from various numbers, don't leave any messages, and are calling on Sundays. I have sent the collection agency a cease and deist letter. This debt has been written off by the original creditor XXXX XXXX XXXX XXXX XXXX and was purchase by Portfolio Recovery. I do not have an agreement with this company.
Product: Credit reporting or other personal consumer reports

I am a 100 % XXXXXXXX XXXX and the joint account owner who was my caretaker informed me she was in communication with Regional Acceptance and that I had to make a payment or the truck would get repossessed. This was in XXXXXXXX XXXX XXXX. I called them and made a monthly payment XX/XX/2022 for the usual amount of {$770.00}. The customer service representative verified this would stop the repossession which was very important to me. Well they took the truck anyway without my knowledge right after that and didnt even allow me to get the thousands of dollars worth of personal property I had in there as I was preparing to move residences. It has really bothered me that they were so dishonest so I got some legal advice and if XXXXhis avenue doesn't produce results then a lawsuit is the next step which I would like to avoid because of the time it would take. They refuse to acknowledge my last payment date because then it would prove my case. That they basically repossessed my truck unlawfully but they refused to acknowledge that I had made any payments in XXXX. Well I finally have the proof of that payment which was the only thing my lawyer needed to move forward with full confidence. This affected me so much I went into inpatient treatment at the VA for almost a year following the repossession.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and I have noticed some items that do not belong to me. My fianc and I are having our first child and are trying to purchase our first home but these items have been hindering us. Please remove these items. 

Fraudulent accounts ( XXXX XXXXXXXX ) Fraudulent inquiries XXXX date of inquiry ( XX/XX/XXXX  ), XXXX date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/XXXX  ), XXXX  date of inquiry ( XX/XX/2022 )
Product: Mortgage

XXXXXXXX XXXX XXXX XXXX  of XXXX I reached out to my mortgage lender via phone to inquire on the process to remove the PMI from my loan. After speaking with the customer service agent I decided to move forward. The representative read me some brief disclosures and processed a payment of {$190.00} to complete the submission of the PMI removal request. 

XX/XX/XXXX XXXX the authorized person from the realty company came to my home to do the walk-thru inspection along with taking pictures for the review. XXXX XXXX  the realtor reached out to me and asked about improvements and I sent her a list and approximate dates the same day. 

A few days later I get a packet in the mail from Regions mortgage saying they denied my request to remove the PMI due to me being at 77 % LTV. I immediately called the mortgage company to understand if my current LTV is under 80 % what was the problem? She began to take me through details from the inception of the loan and not the current consideration of what was being asked. Finally she stated none of the improvements were included in the request when the realtor submitted. It was suggested to open up an appeal and submit the information there on the site.

The same or next day I submitted the documentation of improvements w/approximate dates and value based on a sheet the mortgage company provided on their website. A few days later I get a voicemail saying I need to submit a statement about the appeal, so I then provided that. A month later I get another denial ( paraphrasing ) saying the information was already included in the initial request. 

Please also consider when I submitted my request to remove the PMI none of the disclosures read to me stated the minimum LTV had to be at 75 % or less if your mortgage loan is XXXX XXXX XXXX. Had this information been stated or read to me I would not have given Regions Mortgage {$190.00} as it would not have been a reasonable or viable option for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, XXXX XXXX XXXX is currently reporting to XXXX that I had a lease with their company, which totaled in the amount of {$18000.00} opened in XX/XX/XXXX. I am not aware of who opened this account nor do I have any information outside of what was provided in the letters sent to dispute this account in XX/XX/XXXX.  Upon my knowledge of this fraudulent account, I immediately filed the proper reports to support my position of identity theft, on this account and several other items on my credit reports. This account was fraudulently open in my name. This has become very frustrating for me and is causing damage to my credit. I have made efforts to dispute this issue for a whole year and this is still hindering my credit. 
Pursuant to Fair Debt Collection Practices, XXXX has not been able to provide me with 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this fraudulent debt. 

They have been non-compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that they are liable for willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]. They have failed to provide a copy of any alleged contract or other instrument bearing my signature.

Lawfully I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act With regard to XXXX, they are continuing to give me a hard time with this account. XXXX, as well as XXXX were excellent in assisting me and understanding my concerns and have complied with my efforts in disputing this account as a fraudulent account and have completely removed it. I notified XXXX of the actions in XX/XX/XXXX that the other two bureaus have taken and they are continuing to keep this account on my credit profile. I have taken the steps to dispute the account on XXXX website and certified mailed letters regarding FCRA Section 605B. They are handling this request as a common dispute and had no urgency in complying with the law. 



Thank you for your assistance in this matter.
Product: Credit card

Discover credit card is reporting a open balance on my credit report for a charged off account that is affecting my utilized revolving credit card balance, impacting my credit report as a open charge Off and preventing me from improving my credit and securing a home. 

I called Discover to pay this debt and they have stated they will continue to report it with a balance and not allow me to pay this debt because they sent me a 1099-c. 

I have asked to be allowed to pay this debt so that I can resolve the open balance and they will not take payment for the debt. 

They state the debt is forgiven and refuse to work with me to resolve this issue.