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

On XX/XX/2022, I made a payment in the amount of {$650.00} to Nissan XXXX towards account XXXX. I received confirmation from the Nissan XXXX that the account was now back in good standing and the car was no longer in repossession. I also made arrangements with Nissan XXXX to resume making payments, as I previously was doing. 

On XX/XX/2022, the day that my kids began their first day of school, I awoke to the horror that the car was gone. I contacted Nissan XXXX and I was advised that the car was repossesed. The only way to get the car back was to pay off the balance in the amount of {$24000.00}, as well as the Repossession fee of {$550.00}. 

Upon reviewing the Nissan XXXX Statements from the month of XXXX, XXXX and XXXX, I don't see the payment of {$650.00} that I made. This payment was debited to my account on XX/XX/2022 but was never recorded with Nissan XXXX. This omission of the payment is what led to unethical and illegal repossession of the vehicle, which also turned my life upside down. 

In the absence of the vehicle that was illegally repossessed, I was forced to resort to taking XXXX trips at a significantly high cost over the past week, as well as renting a vehicle for 2 days, in order to get around. In addition to this, the fact that there is now a repossession on my credit report, has made it virtually impossible for me to lease another vehicle. 

Needless to say, I feel extremely violated and taken advantage of by this entire ordeal. Whenever I spoke to Nissan XXXX, and they asked me why I suddenly fell behind on my payments, I explained to them that in the past few months, my expenses suddenly skyrocketed. My cost for gas, food, auto insurance, etc, increased to the point that made it extremely difficult to keep my head above the water. My plan, at this point, was to look for a 2nd job, so that I can still make ends meet and cover all of my expenses. 

I contacted the repo company, XXXX XXXX @ XXXX and I was advised that the XXXX XXXX is still at their lot at the moment. It has not yet been sent to auction. 

How could this happen in the United States in 2022??? I feel so let down by the system. I voted for President Biden with the hope and understanding that the economy would improve after the covid pandemic. I really hope and pray that you can assist me with making this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX Partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be last on an account that has a {$0.00} balance and {$0.00} past due.
Product: Credit card or prepaid card

I have been contacting my local chase bank and asked about a consumer product pursuant to title 15 United States Code 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. I contacted them and they meaning chase banks employees claimed to not know or understand what that is. consequently I visited chase bank ( video that I will provide later in this complaint ) in person to open this open ended product afforded to me by consumer rights. However, I was discriminated pursuant to 15 United States Code 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 

I was discriminated against by not being allowed to enforce my rights in good faith to open this account. I was asked if I wanted a loan every time I asked about this open ended credit plan, I said I was a consumer, I asked about the open ended product and they kept ignoring what that was which is not in the video but that is some context to why I came inside the office. I was given " back office '' numbers which turned out to be credit card payment customer services with nothing pertaining to what was requested. I was given an application at the very end of the conversation recorded with no explanation of what it was or if it was even what I asked for. These actions Caused injury due to chase banks misconduct of not letting me enforce my right to open this account and ignorance of the law and I kept getting the run around by telling me I needed to contact other people outside of my local bank to do who knows what because I do not know why. The employee ( s ) didn't even let me apply I was told they were not explaining the product at all to me and was asked to leave the bank in short. the video is about XXXX minutes long.
Product: Mortgage

My mortgage has been sold to  XXXX  from Bank of America. Bank of America had all paperwork for modifying th e three  months I am behind due to medical issues. B ank of American has all paperwork including but not limited to FMLA and medical records from my physician. I was unable to  work for three months because of an injury and subsequent  XXXX  to remove my   XXXX   XXXX  . Bank of America has all the paperwork I was verbally told this in  XXXX   of 2017 an d now I receive a letter stating they need additional paperwork.  XXXX  has my loan currently. I am making the regular monthly payments to  XXXX  currently. Bank of America dropped the ball ... .again. I want Bank of America to take care of this immediately. I was told by my loan manager they would add this arreage to the end of my loan.
Product: Credit card or prepaid card

Around XX/XX/2017 billing statement i received a notification from XXXX XXXX  that my credit score had gone down quite a bit. it was showing i had a XXXX missed payment from capital one. After looking at my account there was a charge for interest that i was never notified about. I did not receive a bill in the mail an email nothing. I had thought up to this point the balance was XXXX out or close to it. After reaching out to capital one they said they have no where in their policy that states that they have to reach out to tell you when a bill is due. I find this to be very deceiving and a terrible practice that i have not had a problem with from any of my other 7 credit card companies. I have submitted several complaints and will not stop until this matter is fixed to my satisfaction.
Product: Credit reporting or other personal consumer reports

I am reporting XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. When I attempted to get to my account online to get accurate information, I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to XXXX  for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to XXXX balance on credit with no lates. I am requiring this to be updated with 1. XXXX XXXX, XXXX, 2. Equifax, 3. XXXX, 4. XXXX, and 5. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Product: Debt collection

On XX/XX/2020, XXXX Leasing attempted to contact me from a blocked number, as they try numerous times each day. The company also sends me unwanted text and will not cease when asked. The representative on the phone conversation on XX/XX/XXXX did not inform me that it was an attempt to collect a debt and that the phone call was being monitored and recorded until approximately 1-2 minutes into our conversation. Thus violating my right and recording me without consent.
Product: Debt collection

I the consumer have asked XXXX XXXX XXXX to validate the alleged debt he claims that I owe, and all he has provided me with are statements to an Alleged account that he can not prove is mine. I never gave XXXX XXXX XXXX consent to use my private personal information for anything. I do NOT have a contract with XXXX XXXX XXXX or his company. 
This is the 3rd attempt and I still have not received the relevant paperwork that the law requires this debt collector to provide the me the consumer. XXXX XXXX XXXX and his company have violated my Consumer Rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
You XXXX XXXX XXXX ( Sessoms & Rogers ) failed to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. 

You are an attorney/debt collector is this correct? If so, I imagine you know the difference between a Validation and Verification of Debt Pursuant 12 CFR 1006.34c. 

This is all hearsay, what firsthand knowledge do you have? This is all false and misleading information. 

Furthermore, I request verification of the alleged debt, specifically, a copy of a CONTRACT or AGREEMENT. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 

An attorney can not be a debt collector and a debt collector can not be an attorney. You are claiming to be both an attorney and a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.0N XXXX I REQUESTED THE METHOD USED BY XXXX XXXX , XXXX  , AND EQUIFAX ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM EQUIFAX AND XXXX, XXXX XXXX NEVER RESPONDED. EQUIFAX AND XXXX  THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX  A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO XXXX XXXX , XXXX   AND EQUIFAX EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 

XXXX XXXX XXXX : # XXXX Also the address : XXXX XXXX XXXX XXXXroit, MI XXXX-XXXX Address ID # XXXX have violated my consumer rights. 

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords of convictions of crimes which antedate 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.

15 U.S.C.6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the inquires that are reporting to Trans Union and XXXX. I contacted all agencies about the fraudulent inquiries being reported to my credit report. There was inquiry done by XXXX XXXX on XX/XX/XXXX and by Credit Info on XX/XX/XXXX and I reported both inquiries to Trans Union and XXXX it but it was never removed after both written complaints. I added the fraud alert again for these inquires in XXXX of XXXX with FTC. XXXX and XXXX is still continuing to report these inquiries on my credit report. The inquiries are incorrect and are not mine and are continuing to report on my credit report. I want Trans Union and XXXX to remove the fraudulent inquiries from my credit report.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased the software from XXXX for protection of my computer. When it was loaded into my computer I could not use Internet because that software started to block access by firewall. I had to remove the software in order to get access to the Internet. When I saw the charge on XX/XX/2020 I called Discover Card and disputed the charge. I did so after calling XXXX who told me that they know about this problem and I was supposed to contact their technical support in attempt to resolve the issue. First of all, I did not about their technical support because their e-mail did not notify me about existence of such support, and then they told me that my request was supposed to be within 30 days. My call ion XX/XX/2020 was exactly on the XXXX day. Since XXXX refused to give me a credit I called Discover card and disputed the charge. Discover card gave me a credit but then I received my new statement that charge of {$39.00} was again posted to our account on the same day of XX/XX/2020. When I called Discover card XX/XX/2020 I was told by Mr. XXXX from Ohio office that I was supposed to have a written confirmation from XXXX that their software prevented me from accessing Internet and that my call on XX/XX/2020 was on 31 first day which is not true because by legal standards counting starts on the following day and XXXX had 30 days span. Mr. XXXX refused to give us a credit for that merchandise which does not exist on my computer because it was faulty.
Product: Money transfer, virtual currency, or money service

Sometime in later XXXX of XXXX, or early XXXX of XXXX, PayPal asked me for shipping information on products I was selling and I told them Im not selling any products, but rather I was partnering with a friend to sell a service and they seemed not to understand and then around XX/XX/XXXX I removed a card from the account and it seems they were unhappy about that. Consequently and apparently due to unsatisfactory explanations, they arbitrarily restricted my account and they are holding money that belongs to me.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed late payments on my account with XXXX XXXX XXXXIn addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the FCRA, as outlined in 15 USC 1681 e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have below. In addition to that late payments are considered transaction due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681 a 2 ( A ) ( I ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX on the dates below be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safe guard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX