23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

unlawful credit card claims made by XXXX XXXX for passing business credit cards ending in XXXX and XXXX and engaging their law firm in collecting a false claim. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, none was produced since they do not exist. Instead piles of credit card statements were sent that proved XXXX XXXX engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were Plum Card, a business credit card for businesses with large cash flow an XXXX XXXX XXXX XXXX issued to XXXX XXXX XXXX XXXX, a C corporation and XXXX XXXX XXXX. XXXX XXXX own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. I have attached these proofs to show XXXX XXXX unlawful conduct
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 Account Number : XXXX Account Name : XXXX Account Number : 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 XXXX 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

I submitted my insurance docs to the hospital and the the collection agency. I drove down to the hospital many times and each time they told me they do n't have any insurance on file and no attempt was made to file a claim with insurance. I have XXXX and they 100 % cover this bill. 
after one year they can not bill my insurance anymore. THEY NEED TO BILL IT NOW!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraud account from XXXX XXXX XXXX opened XX/XX/XXXX on my credit report. I have tried to fix with company contacting them several times speaking to XXXX I even asked the company to validate with an instrument bearing my signature that I signed anything with this company. I even hired a company to dispute this fraudulent account to no avail. I recently learned about the FTC and filed two ID theft reports XX/XX/XXXX and XX/XX/XXXX and went to two different police jurisdictions to file an identity theft report. I have submitted the Identity block request, FTC ID theft report, Two Police reports to validate the theft as well as Fair Credit Act pursuant to my situation to a person named XXXX with no help stating to me they are closing the complaint as NO FRAUD The account number I do not have but the amount is estimated around {$1300.00}. 
Same with SANTANDER CONSUMER USA there is a AUTO LOAN for approx {$38000.00} that was opened XX/XX/XXXX Have disputed with company as well as credit bureaus and sent FTC report and police reports This has been nothing but a nightmare this is identity theft I have disputed with credit bureaus as well
Product: Credit card or prepaid card

In XXXX I contacted CapitalOne to request assistance with payments due to hardship caused by covid19. Although I was told both card accounts would have their payments deferred and would not accrue interest or fees only one account was actually setup. In XXXX I paid off both accounts through a title company. 
The title company mail checks, received copies of the returned checks and was able to verify CapitalOne cashed the checks but capitalone never credited my accounts. In the end I had to file a complaint with CFPB. The original checks had to be canceled and new checks cut. After months both accounts had finally been resolved. 
Unfortunately today XX/XX/2020 I was notified that CapitalOne has closed both accounts. 
This will drastically impact my credit score and cause unrepairable damage to my credit profile. 

I have no history of late payments or anything that would put my credit worthiness in question. 
I have done nothing to violate my credit agreement with capitalone. 

I have reached out to numerous departments within CapitalOne but no one has been able to explain the closing of the accounts. 

I believe CapitalOne has vindictively closed my accounts to cause damage to my credit profile in retaliation for asking for assistance due to covid19 and filing a complaint with CFPB.
Product: Student loan

On approximately XX/XX/XXXX, I refinanced my student loans. My loans were previously serviced by UAS ( https : //www.uasconnect.com/ ). 

The new lender made a larger payment than the balance on my loans to UAS. Therefore, UAS is supposed to refund the overpayment back to the new lender. 

However, they did not make any such payment and quietly updated the balance on my account from a negative number ( reflecting the overpayment ) to zero ( suggesting that they did not owe me/ the new lender anything ). 

I called UAS and they claim to have sent out the funds. I called the new lender and they said that they have not received anything. I called back UAS and they said that they have to do " research '' for an extended period of time. 

After that extended period of time ( 15 days to 1 month, can't remember exactly as I had marked it on my calendar ), I called up UAS. UAS claims once again that they sent the check ( again ) on XX/XX/XXXX. 

I spoke with the new lender again. Once again, the new lender has not received the check. 

The new lender is being very cooperative and transparent but UAS is not providing any information. UAS is unable to provide any proof of sending the check. They are not able to provide the mailing address to which they sent the check. They are not able to provide the check number. They do not have any tracking number either. They keep changing the information when called. They now claim that it takes 30 days for the check to go via USPS. I've never heard of anything taking 30 days via USPS and I am increasingly suspicious that they haven't actually sent the check and are simply trying to pocket the money and hoping that I will forget. 

In summary, I am losing money over UAS failing to send the refund check. It has been more than 6 months since I have refinanced my loans. I am not sure what the next best steps are. If this path ( a complaint to CFPB ) is unable to result in a successful resolution, then I'm thinking I file a claim in small claims court.
Product: Credit card or prepaid card

I have tried and tried to get another credit card from american express over and over and since i complained before i have been shot down absolutely ever time. i do believe I'm being singled out and discriminated against. i would like the cfpb to investigation and back my lawsuit against american express.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am contacting you because you have a bankruptcy reporting on my consumer report that is not accurate and has not been validated. 
According to the FCRA If the credit reporting agency can not validate with the ORIGINAL CREDITOR the information must be removed from my consumer file. 
you are saying that the US bankruptcy courts are the furnisher of this information but the bankruptcy courts do not report to any credit reporting agency and Lexis Nexis has provided me with documentation that they could not validate this public record information. You are also false and misleading by stating that the furnisher of this bankruptcy is the U.S. Courts Your company is not upholding your grave responsibility to report, fair and accurate information, because you have never validated or verified these public record entries on my consumer report, which is a violation of 15 USC 1681a ( e ). Your company is committing FRAUD. 
Because of these many violations and fraudulent activity. I have suffered greatly by not being able to extend credit, as well as not being able to sleep at night. Because you have failed to validate, verify, and uphold federal law, this bankruptcy needs to be permanently deleted from my consumer report immediately. 
Your company has 30 days by law to comply with what l am asking of you. Failure to comply is willful noncompliance and your company will be held civilly liable. 
Thank you for your attention in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX says it has investigated the below dispute. BoA says they charged-off XXXX on my credit report. This was a secured credit card of XXXX that they retained. Unknown and not communicated to me was the XXXX fee that they said I owed. After finding this out the fee was paid. This has been going on since XXXX. BoA will not return my calls. 

Please help, Thanks, XXXX XXXX Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Details Account Details Payment Status Account Number XXXX Name BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type revolving Loan Type SECURED CREDIT CARD Balance {$0.00} Original Amount {$1100.00} Original Charge-off {$1100.00} Credit Limit {$1000.00}
Product: Credit card or prepaid card

Please UPDATE the following accounts from my consumer file as I don't have any late payments, though it's showing 3 late payments in 2016. So unless you can furnish a detailed ledger of late payments with proof that it was late for this closed account, updateto paid on time. If this account can't be verified with original signature it must be deleted. 

WELLS FARGO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of XXXX XXXX  and XXXX XXXX. I want all items that's not correct deleted from my report. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went a dealer to get a car and they told me they were only running my credit for one lender which was XXXX. They lied and now I have unauthorized inquiries on my report. Tried to file a dispute through XXXX, Equifax, and XXXX and was unsuccessful. The system would not take the dispute and even when I called them they stated that the inquiries would be removed between 24 -72 hours. Nothing happened. Also In accordance with the Fair Credit Reporting act. The List of companies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX EQUIFAX : 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 Financial Consumer Rights being violated : 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.
Product: Payday loan, title loan, or personal loan

They 're waiting for updated from Bank of America to give me my loan and you guys have n't sent them updated
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1601 1681b2 6802 Consumer privacy laws state confidential information such as transactions, history utilization and statements are excluded from Consumer/Credit Reports . Please delete cease and desist XXXX. Delete XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX as well as Any Collections.
Product: Debt collection

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
COMPANY 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: Student loan

This is one of many complaints that I have had to write about Sallie Mae. After refusing to help me with my monthly payments they have decided now to blackmail me with the credit bureaus by claiming that I am past due on my payments when actually I have been making payments to the accounts. I pay what I can but they want me to {$450.00} which I can not afford.
Product: Credit card

I requested that since I was never informed about my account being delinquent, I made my payment upon finding out but my card was closed and even though I made a payment for XXXX, it was reported as late to the bureaus and my credit score has fallen. I have never had a late payment since moving to the U.S. in the XXXX. My credit has been otherwise stainless. Bank of America has basically gouged me for fees and make it incredibly hard to set up autopay on a their website. I am hoping you can advise me on a class action in regards to the same if there exist others with the same issue. I dont believe I am alone in my frustrations with this bank. 

I have recorded the call with the agents permission and you will see she does little to help. I asked her the best way to move remaining money from my account and I asked her about my debit card pin, which she was extremely unhelpful about. I feel like publishing it on XXXX would be the way to go if there is no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX  was charged off and purchased by XXXX XXXX XXXX in XX/XX/XXXX. This account was settled, for a total of {$1100.00} in XX/XX/XXXX, yet XXXX XXXX is still reporting this account as negative. I recently submitted a dispute with Experian to have this account updated and they added another charge off in XX/XX/XXXX ; this incorrect reporting has had a profoundly negative impact on my credit score and my ability to secure potential new lines of credit and housing.
Product: Debt collection

Over the past two years numerous times I cancelled my membership with XXXX XXXX - XXXX. Despite repeated written cancellations, refuse to cancel the membership and have continued to charge my debit card account each month causing my bank to recommend issuing a new card to stop the automatic withdrawals. They sent a bill for {$97.00} and are ruining my credit by charging a phony balance due. When I spoke with them on the phone they refused again to issue a cancellation of the account. I informed them that I would file a complaint with your agency for assistance in getting the account cancelled, my credit restored, and the balance mentioned cancelled and credited.
Product: Credit reporting or other personal consumer reports

I've been trying to apply for a XXXX XXXX credit card for over a year and was denied for the second time recently so decided to take a look into why, since my credit score is good and have had no issues regarding my credit. When they sent the letter describing the reasons why it only listed " length of credit history ''. This did not make sense since I have had my credit opened for a while now. So decided to call the credit bureaue 's as instructed on the letter and did not receive any substancial information from XXXX or XXXX but when I called TransUnion they informed me that they had no information on their end regarding any credit, basically to them it was as if I had not credit at all. I let them know that I have had my XXXX account open and active for quite some time now and that doesnt make sense but they contiously stated that there was no information and to contact XXXX XXXX So then proceeded to call XXXX and they told me that they have been reporting my information to TransUnion. I ended up going back and forth with XXXX and TransUnion numerous times over the course of a week but not really getting anywhere as one is contradicting the other. I also decided to get my credit reports on my own from XXXX to see for myself what they had, and XXXX XXXX XXXX both had a good amount of information regarding my credit history but TransUnion did not have anything at all. So just want to be able to have it so that TransUnion has all of my information reported to them like XXXX XXXX XXXX I think that is the reason I keep getting denied credit at other lenders. Which would explain the " length of credit history '' being the sole reason for denial, even though I have had my XXXX account for some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track. I don't want my kids to keep helping me they have a family to support as well.
Product: Mortgage

I was in trouble with my mortgage late XXXX. Was able to bring it current. 

I sent my payment to PNC in XX/XX/XXXX in the form of a cashiers check to their online listed overnight address. It was confirmed received and signed for. This past week, I asked for a stop payment on this check, and reissue the funds to me. Am happy to send to PNC when I receive- the process, my financial institution said, will take 7 days, so I should have the funds reissued. 

I sent my XXXX payment to PNC in XXXX in the form of a cashiers check to their online listed overnight address. It was confirmed received and paid for. I am paying XXXX {$100.00} each time I send- an doing this because I am serious about keeping my mortgage current and paying via cashiers check ensures the money is out of my account and PNC knows the funds are guaranteed. The check has never been cashed/payment applied. 

3. I am now getting calls from PNC and they show me 4 payments behind, I am prepared to bring my mortgage current AGAIN, and keep it current. It does feel as if PNC is setting me up to fail. 

Note that the last picture attached is a copy of a cashiers check issued to me and I signed over to PNC in XXXX i have done this before and its been accepted. This is the check I put a stop payment/reissue. I can deposit and resend but then I need grace as my bank puts a very long hold on funds ( XXXX business days ). 

Also note that because these checks havent been applied, I received a distribution from my retirement for the $ XXXX owed. I will place a stop payment on XXXX check as well if needed and if PNC can not find. But again there is a XXXX business day hold on funds over $ XXXX, so itll be end of XXXX before I can express the remaining full amount. The best solution is for PNC to apply XXXX, and let me send the rest via cashiers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my 3 credit reports are reported as charged off when actually all of the accounts were discharged in Chapter XXXX Bankruptcy on XX/XX/2018 Case Number XXXX. In my previous dispute I submitted Bankruptcy Declaration and Discharge to prove my claim. I'm attaching more supporting documents with this new  claim