23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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: Debt collection

For over a year, Representatives from XXXX XXXX XXXX ( A debt collection agency ) have been making threatening and harassing phones calls to myself and distance relatives ( giving these individuals personals and private information ) in an attempt to force payments for a Sallie Mae Loan that they claim that I owe but when I asked on numerous occasions last year for them to produce a promissory note and a copy of such information they never sent it. But, they harassed my terminally ill father via telephone calls concerning a loan that he had no knowledge of and is not responsible for. This harassment of my terminally ill father ( who passed away last year ) and his family continue all of last year and now. XXXX XXXX XXXX representatives were told several times that I did not live and have not lived with my father for over 44 years but these individual still harassed him and his family and they even gave them personal and privacy information about myself. They have also claimed to be family members and government employees in attempt to gain my trust and to collect this student loan debt. They have also claim that the interest and fees on this loan grows daily and legal action will be made to collect this so-called debt. They have been informed that several years ago all of my student loans were consolidated to XXXX Success and I do not owe a Sallie Mae Loan. I have also asked them to stop any and all contact with myself and family members but now they are calling me from XXXX every day and night and just hanging up or not saying anything on the phone when I answer.
Product: Checking or savings account

On XX/XX/2021 I went to a local restaurant and bought my kids food At XXXX XXXX  and I must of dropped my debit card accidentally and noticed 25 minutes later it was completely gone I went on my banks app on my XXXX and turned the card off w the controls on the app about an hour and a half later Out of an abundance of caution I checked my account I noticed three charges {$8.00}, XXXX XXXX XXXX at approx XXXX XXXX  and XXXX  at approx XXXX XXXX  I called my banks XXXX number and spoke to a gentleman who indicates the computers werent working properly that day and therefore did not actually shut my card off and he promptly shut it down I then went to the XXXX  store where last used and called police and filed a police report I was assured once posted I would get a provisional credit when that did not happen in a few days I called the local branch and spoke to a XXXX  XXXX  who is of XXXX XXXX decent and explained the situation. I waited several days later and called the XXXX number as why my money was not returned. I was informed that there was an investigation and they determined they said the cars was in my position they said at the time of the incident ( not true ) i then called my local branch and spoke to mr XXXX and determines he totally mixed up my story and apparently led this bank to believe the card was in My position and it was not So I decided to go to police station Tuesday MY XXXX and get the police report and info was limited because this is now an ongoing investigation by XXXX XXXX police and they put the fraudster who took my card and distributes his picture throughout police in Minnesota I then went across street to BMO and showed them the police report and she sent it on to someone at corporate I have never got a provisional credit I shut my card down immediately and there computers were not working that day as they even had a recording when you call the XXXX number The police have pictures and video of the suspect using my card to buy tv and camera and dog food This is an injustice I want to be reimbursed immediately BMO Harris has a copy of police report Its not available as I write this to attach XXXX XXXX
Product: Credit card

XXXX XXXX XXXX {$550.00} XXXX XXXX {$460.00}. XXXX {$69.00} ; XXXX {$270.00}. XXXXXXXX XXXX {$560.00} Totalling {$1900.00} I first called XXXXXXXX XXXX XXXX XXXX on XX/XX/year> to notify the company to unauthorize anyone to use my credit card. The above transactions were not used by me and i did not travel overseas during the above periods. The above transactions may have been charged by my separated husband whom we started our separation on XX/XX/year> and i officially filed the divorce pettition on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists. 
I Have Addressed This Situation Multiple Times Of Unverified Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation # 1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation # 2 Also The Law Fcra Section 611 Part ( A ) ( 1 ) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation # 3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On XXXX XXXX 1997, Filed ( D.C. No 95-Cv-01743 ). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS CREDIT BEAURUS ( UNDER CFPB )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I contacted this company and asked them to furnish my consumer report, I was rudely told " No '' that the FDCPA does not apply to there organization. I am bewildered with anger no this is not the law. The company is furnishing TransUnion with information that infringes on my consumer rights. It is inaccurate reporting. XXXX is claiming I have 2 bankruptcies on XXXX being a chapter XXXX and the other a chapter XXXX.
Product: Credit card or prepaid card

I was charged in error by a hotel for a stay in which I used points to pay for my room. The hotel says they did not charge my card, or that they charged my card and then immediately reversed the charge, yet my card is still showing the debit of {$160.00} I have called Chase and they will not refund my money. They insist on me providing documentation of points being used for the stay, when the hotel could easily provide this information. I have a life, and have now wasted over a month of phone calls and emails to dispute something. It is clear their agenda is to get me frustrated enough to just give up so they can have my money
Product: Debt collection

XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX which I traded in my XX/XX/XXXX Volvo.I then signed contract and release of liability to the dealer.I still have the contract.Three years later I received a letter from a collection agency that I owe them XXXX dollars for the car I traded in, that was towed from XXXX XXXX XXXX XXXX said at the time the car was still in my name.So I went back to the dealer and the dealer before was sold to another company.I spoke with XXXX XXXX and did what they told me and it is still on my credit report.I am really frustrated on what I am going through.The collectors will not listen to me.What can I do.The agency is Dataline Collections in XXXX XXXX California.
Product: Debt collection

Good afternoon : I received a letter dated XX/XX/XXXX. Regarding a medical debt from an emergency service from XX/XX/XXXX. I have previously called when I received the bill last year and informed the representative that I was unable to make a payment because of my employment situation, the representative mentioned that my credit will be harm although I tried to request an extension. Today I tried to get in contact with the debt collection company, the first time I called the call they hanged on me, second time, somebody answered and I provided the ID number and my current the address, still the representative said I needed to provide my DOB, when I asked her why, she hang on the phone on me. I tried for the third time and I was unable no make any arrangement because the representative hanged on the phone on me. I am attaching evidence of the phone calls I have made as well as the letter that I received from them where they threatened me mentioning legal actions such as obtaining a copy of a judgment, I don't have an idea of any legal procedure going on. And finally the emergency service was called to my house on XX/XX/XXXX, the paramedics checked me and decided to take me to the hospital which I have understood it is a service that the city provides when they have to take you in the ambulance. I will appreciate if you could please look up on to my case. I have work really hard and I spent money to keep my credit clean. Also the representives behavior is very rude and they don't allow to speak they are just ready to hang on the phone on people. Thank you
Product: Checking or savings account

The credit union stop paying bills and I was not notified about fraud active or why they did n't pay my bills as scheduled, been set up for mouths and had been paid I want to know to mouth the fraud started I was told it was not normal to stop bill pay, the credit was asked to send letters to the reporting agency 's and they agreed they would and did n't, they sent me a email stating my copy was coming by mail, it never showed up and reason was the they sent it to the CFPB I never got the letters They sent me letters to send copy 's to the company 's claiming the did n't have the correct address how would know that how me the returned letters the address in the system is correct. They mess up my credit and no remorse are desire to help resolve the matter The money left the account so where did my money go I want to know where it went if bills was not paid They now paying bills prior to the due date after being told many times not and then when my money run the charge me fees without failed the credit union bill pay is out of control, with no caring to correct it they only about the bottom line. I want someone to tell me ; where my ; money went since it left my account for about five mouths, why and did they stop making payments and why was I locked out of my account, where did my money go and why was n't I notified what mouth did this start
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a item on my credit file with Experian, XXXX, XXXX that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.
Product: Student loan

I am encountering a number of egregious practices on MOHELA 's part to prevent me from qualifying for PSLF. I've been working for 10 years without a gap in employment in public universities and now that I have actually met the 120 qualifying payments, the first issue I encountered with MOHELA was they somehow missed counting 5 months of my certified employment ( which was odd since I saw the paperwork provided by my employer and dates were typed and difficult to misinterpret ). I called MOHELA 's PSLF department on and had my form re-processed on XXXX and on XXXX my PSLF tracker reflected 120 qualifying payments. The second issue, and the most egregious, is now that MOEHLA acknowledged my 120 qualifying payments and while I thought my account was being reviewed by the Federal Student Aid department, I was just notified ( XXXX ) that MOHELA put my account on an " Administrative Forbearance '' which was applied retroactively to my XXXX and XXXX payments ( which was previously a qualifying payment, I have documentation of this ) now putting me at 119 qualifying payments- coincidentally one payment away from qualifying for PSLF. I don't know how it is legal to put my account retroactively on an administrative forbearance, without any information or consent, and take away my qualifying payment?! I have copies of my 120 qualifying payments in their system since I printed the pages to pdf and documentation of the payments I made on time. I feel completely powerless against this lender and I will now sit for a day on hold trying to sort this out. I believe these actions are evidence of MOHELA 's attempts to prevent me, and undoubtedly others, from receiving student debt relief that they qualify for via PSLF.
Product: Checking or savings account

A deposit for my husband was allowed on my account for the amount of XXXX on XX/XX/2020. My husband has recently had another deposit sent to my XXXX account in an amount of nearly XXXX. They have been holding these funds. I have called many times to resolve this issue, I have asked what I need to do to have the payment added to the account since I am the primary holder and his name is not on the account. I have asked the to return the funds to the Veterans Government so they can deposit it into his account. I have explained that his money of XXXX had no issue being deposited into my account, but yet they can't allow this because it is in his name not mine, it is over the limit of XXXX allowed for daily deposit, but yet they can't explain how the first amount went thru no issues. I was told they will send the payment back to the payer but yet that has not been done, on the end of the 5 business days I have been waiting. Then I was told again they will send it back to the government but it will take 3-5 business days. I keep getting hung up on, ask to speak to someone that can properly help me and get the same run around. I will be placed on hold and then they hang up. They are playing with over 25,000.00 dollars of my husbands XXXX XXXX money and I can not seem to get anyone to help me get the issue resolved in any manor. They have been rude and non helpful. I had one agent that was actually helping and heard what I was saying and was attempting to help and we was disconnected. I called back waited the XXXX min asked to speak to that representative and was told they could not transfer calls like that. I offered to email the company in question documentation of my ID SS # Marriage License and Husbands ID to no avail. I even asked to add my husband they said I was unable to do so.
Product: Payday loan, title loan, or personal loan

My APR is 344 %. Arizona 's statutory maximum for consumer lenders is 36 %. I borrowed {$2000.00} and I have paid back {$3200.00} since XX/XX/2017. That interest rate is 116.93 % and the loan is void under Arizona law.
Product: Credit card or prepaid card

On XX/XX/2020, The Internal Revenue Service deposited funds from the Covid 19 stimulus payments in the amount of {$2200.00} via direct deposit onto my XXXX XXXX  XXXX American Express card ( The last 8 numbers on the card- # XXXX XXXX  ). XXXX XXXX  XXXX currently has these funds and has refused to make the funds available to me & has failed release to monies to me -yet XXXX XXXX XXXX continues to collect interest on this {$2200.00} everyday passing day that the money is held. I have called XXXX XXXX  XXXX customer corporate number at XXXX One hundred & forty seven times since XX/XX/2020. Each call XXXX XXXX XXXX system automatically forwards me to the IRS phone number which no live agent answers and hangs up after 2 rings. XXXX XXXX  XXXX is causing me extreme financial hardship. I am unemployed due to the pandemic & am in desperate need of my funds. XXXX XXXX XXXX is holding my monies without allowing me access to my funds. XXXX XXXX   XXXX is also refusing to provide an available banking agent to address my concerns by phone.I have also called American Express the card issuer who informs me to contact XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX {$15000.00} ] ACCOUNT NUMBER. XXXX OPEN XX/XX/2016 TransUnion : [ XXXX XXXX & XXXX {$15000.00} ACCOUNT XXXX OPEN XX/XX/2016 TransUnion : XXXX XXXX DATE XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
This account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 
15 USC 1666B This is a billing error always paid as agreed on time this is an error this account is in violation. They violated the United States Code Law 15 U.S. Code 1666b. Timing of 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. Also according to 15 USC 1666 ( b ), they should have adopted to ensure that each periodic statement is mailed to me certified mailed or 21 days before the payment due date, which I never received. I have disputed this account multiple times with the bureaus. One of the original creditors even sent me documentation proof stating it was a system malfunction. XXXX XXXX never provided documentation showing they sent mail certified or 21 days before the payment. Update the payment history immediately and remove the account XXXX XXXX account immediately. 
XXXX hasn't updated my credit report in over 6 months. Misleading False Reporting. This Account negligently and inaccurately reported failing to comply with 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request to the have the following complaint filed against Capita One Bank in reference to a credit card that has been reporting negatively for the years. This debt has expired and should no longer be reporting on my credit report.