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

During this Covid-19 pandemic many people were laid off, fireworks furloughed, I happened to get furloughed. Although I'm furloughed I continue to make my car payments, maybe not in full but I pay more than half and have never been more than 30 days late making my car payment. Instead of this company trying to help it's consumers it is tacking on late fees & miscellaneous fees without any explanation of what the miscellaneous fee is or why during this pandemic are consumers even being charged late fees when we're already struggling due to the pandemic! My late fees ( {$180.00} ) & miscellaneous fees ( {$60.00} ) total {$250.00} on top of an already {$510.00} car note! I feel that while we're fighting this pandemic this company should be trying to help it's consumers not trying to make extra money off of people during this difficult time! This company hasn't done one thing to help since this pandemic except call everyday to state the obvious that your payment was due 3, 4, 5 days ago not 30 days, not 2 weeks but a few days! I will never deal with this company again & will tell anyone who will listen to NOT get any type of loan through this company! They only care about money & have horrible finance rates & practices!
Product: Mortgage

Failure of XXXX XXXX XXXX to respond to documentation submitted dozens of times for a modification agreement. Failure of same company to provide me with the actual mortgage holder, the home insurance company or the coverage in place despite several requests.
Product: Credit reporting

experian dispute report came back with same wrong late payment when i was never late.
Product: Debt collection

In XXXX of XXXX I rented an apartment for {$2400.00} a month and I signed the lease the pandemic hit I lost my job but I kept trying to pay the rent once I got to XXXX of XXXX I was no longer able to pay {$2400.00} a month for rent I made an agreement with the realty company and the owners to pay only {$1200.00} due to my situation and the pandemic they agree now they're trying to collect the {$2400.00} per month for 6 months when I only owe them {$1200.00} as agreed for 5 months from XXXX of XXXX to XXXX of XXXX when I moved out making that only {$6200.00} I am willing to pay that off and make an arrangement but they refuse it this should be against the law
Product: Checking or savings account

Date : XX/XX/2024 Amounts : {$6500.00} Claim declined by the bank ( Wells Fargo ) Hi, CFPB : I am writing to formally express my dissatisfaction with the recent decision to decline my claim, referenced under number XXXX, which I submitted on XXXX XXXX XXXX 

I have made the phone call every day since i know the result, every time i have to wait for one hour or even more to taoke to the agent, but they kept saying the same thing : '' the decision was final can't change. ", and they refused to say why the claim was declined. 

I checked the trasacion date, they are both on the afternoon of XX/XX/2024, at that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and i am busy, it is not possible for me to make any purchase, and the website is not a well known website. When such a large amount occurs in the card, Wells fargo should immediately send me a text or an email, but i never got them. You can call my restaurant manager to see if i was there on XXXX XXXX. 

XXXX phone number : XXXX Given this information, I respectfully request a re-evaluation of my claim. I would appreciate it if you could review the additional documentation provided and reconsider the decision made. If necessary, I am willing to discuss this matter further and provide any additional information required to facilitate a fair resolution. 

Please confirm receipt of this letter and the accompanying documents. I look forward to your prompt response and resolution of this matter. Should you require any further details or wish to discuss this in more depth, feel free to contact me at my email address i registered. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also they have violated my rights under The Financial Privacy Act of 1978. 
Names Reported 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 Equifax, and XXXX have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish a account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

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 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 don't 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I borrowed {$800.00}. To date, through XX/XX/XXXX, I have paid {$1600.00} for this loan, over twice the principal. It is becoming a real hardship for me to have {$130.00} taken out every pay. Since I 've already paid back almost twice the principal, I asked for settlement onXX/XX/XXXX. They refused a settlement telling me I did n't qualify for a settlement, but could n't tell me why I did n't qualify for a settlement. They only offered to let me pay {$690.00} more by XX/XX/XXXX. The following statement in response to a previous complaint is completely false. " You agreed to settle your loan for {$370.00} on XX/XX/XXXX. You missed your first settlement payment due on XX/XX/XXXX. " They did offer a settlement of {$500.00} on XX/XX/XXXX. I countered with an offer of {$200.00} in 2 payments which they refused. They contacted me again via phone on XX/XX/XXXX. They then offered a settlement of {$370.00}. I countered with {$270.00} which they refused. I was basically coerced in accepting a settlement of {$370.00} paid in 2 installments.
In the meantime, I had done extensive research and consulted an attorney. I have also filed a complaint with the Ohio Attorney General. My findings : Payday/short-term lenders must be licensed by the state of Ohio in order to offer loans to its residents. ( See attachment of ORC 1321 ). Since this company has no license in my state, the loan contract is not valid. As stated, I have consulted an attorney regarding this and have been advised not to make any more payments on this loan.
Although I am not legally required to do so, I am willing to repay the principal balance of this loan. I received a deposit of {$800.00} on XX/XX/XXXX. To date, I have made payments equaling {$1600.00}. This actually results in an overpayment of {$830.00}. XXXX. I wo n't even include the overages I paid on previous loans.
I am not a member of the XXXX XXXX XXXX XXXX XXXX nor did I obtain this loan on tribal land. The mailing address is in Illinois. ( Spotloan is not licensed in Illinois and not authorized to loan to Illinois consumer per cease and desist order of XX/XX/XXXX from the Illinois Department of Financial and Professional Regulation. See attached. ) Why if the tribe is in North Dakota is there is a mailing address in Illinois?
I suspect this is a case of " rent-a-tribe '', a tribe being used by an outside lender in an attempt to get around state laws. The FTC argues that tribal jurisdiction does not apply. The loans are off-reservation activity because they were taken out by people who are not on the reservation. ( From an article in XXXX XXXX dated XX/XX/XXXX ). I can supply many, many articles regarding this and the lawsuits and court decisions concerning these issues.
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I have revoked authorization for ACH withdrawals and you have responded with an email stating that I have declined automatic withdrawals from my bank account. A copy of this has been given to my bank. ( See attached ).
Product: Debt collection

FIRSTSOURCE ADVANTAGE LLC They spelled my name as XXXX XXXX ( means dead person ) the STRAWMAN. I Sent them ucc codes for the bill which is a check. I asked for a confirmation of debt. The only only only legal confirmation of debt is wet signatures. This company said my debt was confirmed. I asked by who, what company, name of person, title and how was it confirmed by which method. As of today the question still is not answered. These credit card companies write the debt off XXXX percent and then they sell it and get paid again. Am I lost this is double billing. More fraud. The privacy act of XXXX states I must give my authorization or permission to publish my personal information and I did not. I sent a affadavid of all debts are prepaid. This fake credit swap needs to be zeroed out. What you call a bill is really a check. I am willing to go to court and represent myself. If a lawyer represents me it means I am a dead person. I am going to file a XXXX tax form as a whistle blower. You are all billing the bond and saying please send check or money order. You then cash the volcher and my second payment. This is double billing and illegal.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  was issued a cease and desist letter because they repeatedly violated consumer laws. This was when it was already in collections. They only remain on my credit for SEVEN YEARS I habe NEVER made any payments to that fraudulent company, or ant of the loteral 25 collection agencies they illegally kept selling and uncollectabke debt to. I've never communicated with ANY of them either, ever. 

I keep reporting to transnion that it is past the 7 year mark and they keep illegally leaving it on my credit. Bow they have allowed XXXX to be on my credit report TWICE and one with a totally false date on it. I disrupted and they close sit stating it's valid with XXXX PROOF AT ALL. 

It's OVER XXXX XXXX XXXX, everyone knows it and the same fake and fraudulent debt sure as heck can't be on there twice! It's like they aren't even doing their jobs anymore, just collecting our money to simply exist
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department Of Education along with Experian have falsely reported on XX/XX/XXXX on 3 separate accounts as current collections as of XX/XX/XXXX. This information is completely incorrect and inaccurate as these accounts were opened on XX/XX/XXXX, went into default in XX/XX/XXXX, were paid in full before collection and are almost 7 years old. This new information as Experian is calling it dropped my score 62 points! This is an outrage and completely unacceptable. Considering that a creditor reporting false or inaccurate information on a credit report is illegal I need all 3 of their trade lines permanently removed from all 3 credit bureaus effective immediately. I am consulting with my lawyer on damages on this matter pending removal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 card

I'm a international traveler who open checking accounts numbers globally locations international Around XXXX  calendar year I establish my credit score. I open department store credit cards account. 
The database computer record, department store credit cards account numbers throughout the united states. 
XXXX. State of Illinois, XXXX, a. XXXX. 
XXXX. State of Texas, b. XXXX. 
XXXX. State of Maryland XXXX XXXX. 
XXXX. State of Maryland d. XXXX. 
Finally. I want to request department store credit cred, disclosure statement, credit reports.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already dispted inquiries on my credit report with Equifax that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries. XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want those inquiries listed above removed immediately.

The responses I keep getting from Equifax is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, letters were sent to each credit bureau reporting agency requesting they verify the accuracy and authenticity of specific negative accounts I found on my credit report. Correspondences were sent certified mail ( see attached ). 

Upon conclusion of their investigations, the inaccuracies still remained on my credit report, causing irreparable harm with my interactions with creditors in trying to obtain loans and lines of credit to start my small business and also to obtain prequalification for a mortgage to purchase my first home. 

The Credit Bureaus stated the accounts were properly investigated but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy.

15 U.S.C. Section 604 A Section 2 - States that a consumer reporting agency can not furnish a account without my written permission.

Also the credit bureaus took more than 30 days to complete their investigation see attach for certified mail tracking info.
Product: Credit card

Chase Sapphire credit card - make it very difficult for customer to file a dispute. Got duplicate charge and tried to file a dispute over Chase App and phone calls. After 2 months of calling to get status update, I was advised that no dispute was filed! They are not allowing customers to file dispute thru their app even though they marketed that you can file a dispute online. Tried calling and none of their dispute team did anything! Still got duplicate charges and no resolution. They should check their phone record to see how many times I called.
Product: Debt collection

Received a suspicious call that seemed like spam around XXXX time frame regarding apartment resided in 1 year ago having balance to pay to collection. Called apartment and they verified no debt owed and stated was likely a scam. Noticed on XXXX XXXX collections on credit report. Called apartment again ( XXXX XXXX ) and they verified again, no debt owed and ccd me on email to XXXX XXXX  this needed to be fixed. Contacted Genesis and spoke with XXXX ( XXXX? ) XXXX he aggressively told me I owed money and wouldnt allow me to explain this was not true and I had statement of proof to submit and request how to submit. He said it was an excuse and I owed and knew how to login to a portal to pay because of communications and correspondence. Told him I never received notice which he said was a lie. He told me I was given a case number of sorts and I told him I didnt have because I never received contact and just wanted to submit the invoice I have stating XXXX owed. He was extremely rude and said I received calls, texts, phones calls and to stop playing XXXX and just pay. 
I tried to submit into their portal and couldnt because it asked for company. I sent inquiry via site and received no response. I called later in afternoon and spoke with XXXX who said only I could email her and they couldnt email me with contact info on how to submit via email. I called XX/XX/22 genesis and was connected to XXXX XXXX again and asked for update on dispute- he only stated how to pay and I told him I spoke with him yesterday and was unable to use portal as he stated I should be able to. He started getting rude so I asked to speak with supervisor as I was suspicious to their dealings and professionalism and he was rude and transferred me. I spoke with XXXX XXXX and told him my issues and he stated they misspoke previously about portal and I could send PDF to him directly. I asked him why I was never contacted about and only seen on credit report and he stated they could not call me until correspondence and said it was my fault I didnt provide forwarding information to apartment. I stated apartment was given and they clearly had all my information ( phone, email ). He then gave me email and phone number. I again iterated that asked to clarify that XXXX told me they attempted text, phone, email which was not accurate because XXXX just stated they couldnt without correspondence via mail first. He immediately retracted and tried to get off phone with me. I told them I was detailing and documenting any and all information going forward as I was sure their business practices did not align with federal laws. I attempted to send email to him with document of PDF with stating no balance and received an email back that stated his email was not valid and not able to send.
Product: Checking or savings account

IVE APPLIED NUMEROUS TIMES AT WELLS FARGO BANK TO OPEN AN ACCOUNT, TO GET TOLD I CANT, THEY ARE A SECOND CHANCE BANK, IVE NEVER HAD AN ACCOUNT WITH THEM, NOR DO I OWE THEM ANYTHING. I WOULD LIKE TO OPEN AN ACCOUNT WITH THEM, PLEASE HELP. THE INFORMATION I TRYED TO OPEN THE ACCOUNT IN IS AS FOLLOW. 

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

These accounts are inaccurate and these accounts are hurting from getting a home for family. The law 15 USC 1681states that all accounts has to reporting accurate. 

Accounts 1 ) XXXX  account # XXXX 2 ) XXXX  account # XXXX
Product: Mortgage

The Bank of America has responded but still the issues remain unresolved to my satisfaction. I want all the money I overpaid to reduce principal at their mistakes to me.It should repaid to my XXXX account at Bank of America so I can fund future normal payments.Not one dime has been refunded as of this date.They are burying me in statements but no money has been refunded.
Product: Debt collection

MCM # s XXXX, XXXX, XXXX, and XXXX. I have repeatedly sent validation letters to MCM in XXXX, XXXX, XXXX, and XXXX of this year 2018. I have disputed this with all 3 credit bureaus.

MCM continues to send me letters in response ( attached ) stating " they are uncertain what I am disputing '', and have yet to establish that the account is accurate and true in nature.

I have asked to see the original documents that I allegedly signed and they refused. MCM /Midland will not provide them. I never did business with this company. I do not owe them any money as I never signed for a credit card, have business, or a contract with them. 

They are refusing to remove this account from all three credit reporting bureaus in violation of the FCRA. 

I have attached examples of the replies from MCM and their lack of validation. I can provide proof of mailing if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I filed a complaint with Equifax, XXXX and XXXX about discrepancies on my report. I also sent court documents that I received from my bankruptcy discharge. XXXX just sent me an email stating that the creditors that disputed with them are showing as accurate and verified. I need help resolving this matter. I feel like my rights are being violated.