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

On XX/XX/XXXX I purchased a vehicle with an extension of my consumer credit. At that time, I was not aware of Federal law, my rights as a consumer, or what " money '' is in general. Almost a year into the contract, I realized there are multiple violations in this contract with Capital One Auto Finance. Violations that would have never stuck out to me, if I didn't sit down and study, for months. 

On XX/XX/XXXX, a certified letter of my right to rescind the contract was delivered to Capital One, ( XXXX XXXX XXXX XXXX, TX XXXX ), as well as a copy of the contract with the violations I have found. 

VIOLATION 1. 15 USC 1692e- False or misleading representations VIOLATION 2. 15 USC 1635- Right of rescission as to certain transactions ( NEVER DISCLOSED TO ME ) VIOLATION 3. 17 CFR 260.11b-6- Definition of self-liquidating paper in section 311 ( b ) ( 6 ) VIOLATION 4. 15 USC 1605- Determination of finance charge VIOLATION 5. 12 CFR 360.6 ( 2 ) - Treatment of financial assets transferred in connection with a securitization or participation. 

VIOLATION 6. 15 USC 2- Monopolizing trade a felony ; penalty XXXX XXXX claimed I could n't drive off the lot/get approved unless I had a down-payment of {$10000.00} made out to them. Also, the contract buyer name and the name on the account for Capital One Auto Financing do not match up. My right to rescind the contract was not disclosed to me either. What am I supposed to pay when the law clearly states there is no money? And there is no way to " pay '' a debt? Only promises to pay? Gold and Silver is the only lawful money and that can't be used in Commerce. Why is there an additional interest in MY property that came from MY consumer account tied to the UNITED STATES? I'm aware this contract is a promissory note and has already been cashed, and God knows what else, traded 10 times already? This vehicle is already paid. I did not agree to a commercial contract either. This is not for buisness purposes. It is for personal, family, and or household use. All debt is the obligation of the United States. A total of {$14000.00} has been paid onto a piece of property that's already paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding Credco/quicken. They placed an unathorized inquiry on my credit on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX &XX/XX/XXXX19 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX-19.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Disclosure Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  * Account Number : XXXX * Last XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX * Account Closed : XX/XX/XXXX, XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Debt collection

I am XXXX XXXX XXXX, currently residing in XXXX XXXX XXXX, XXXX, XXXX XXXX, NJ-XXXX. I had signed up for a Gym membership with : XXXX XXXX XXXX located atXXXX XXXX, XXXX XXXX ; which advertised for {$580.00} for 6 months, sometime in summer XXXX. When I signed up their contract and came back home and checked the contract, I found they misrepresented and they wanted to charge me an exorbitant amount of {$580.00} for a month! I rushed in the next day in the same physical location and wanted to cancel my account. They did not cancel my account. I asked them how come you put me in a contract but can't cancel my contract. They said there is no way to cancel the contract! They gave me an address and told me it is up to the discretion of the Account manager to cancel my contract or not! I sent a certified mail at that address ( I neither have that address or the proof of that certified mail now, it's been so long ) but did not get any response. They did not even have a phone number where I could call to cancel. They basically posted a fake number, which automatically went to voicemail. They already charged me {$580.00} for the first month on my XXXX XXXX XXXX Credit Card. I called XXXX XXXX to dispute this charge and they also couldn't deal with XXXX XXXX XXXX. They blocked the charge. Every month XXXX XXXX XXXX tried to charge my XXXX card unsuccessfully. Soon after, I had lost my job and was going through tumultuous times and had to move to XXXX for my next job and before that had to go to my home country XXXX to get my visa stamped. I kept on calling the number, but no one would pick up. In XXXX XXXX XXXX XXXX   put ~ {$3500.00} on collection. After I tried to resolve it with Omega RMS, the debt-collection agency ; they couldn't get it resolved with XXXX XXXX XXXX. Then I had filed a consumer complaint and the account went away from my credit report. In XXXX, again, the account came back out of nowhere and again went to my credit report as a collection and again hammered my credit score!
Product: Debt collection

This is a continuation of Complaint ID XXXX. Although the company responded and it appeared that my issue would be resolved, I have continued to receive bills for services that I already paid for. Long story short, I paid my required co-pay for XXXX separate visits to my child 's XXXX  but the payments were not applied to my account. As such, I have received a bill for each visit every month for the last 7 months and counting. I have provided the company with proof of my payments twice now and they still refuse to apply the payments to my account and continue harassing me for payment. Attached are the receipts of my payments as well as my credit card statements showing the payments I made that were not applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance corp is reporting a settled and closed account as open almost 2 years after the settlement took place
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : My consumer report contains data that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. I did not make a factual misrepresentation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. 

The transactions that have been detected don't pertain to any transactions that I, the consumer, have made : XXXX XXXX XXXX {$2700.00} 2. National Credit System {$3500.00} 3. Hard inquiries Within five days after the transaction, you must comply with my request and prevent these transactions from being included in my consumer report. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I consolidated about XXXX credit cards with consumer credit services I paid them entirely off and Experian is not removing all of them all Saying they are charged off or a bad debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 close account and still show on my XXXX  Still open, I call all this creditor and they confirm me this account is close Dispute it on XXXX  and they remove and add this account at the same moment, try and tired to call XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act The list of Accounts below have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Equifax, XXXX, XXXX all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX XXXX.action with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.
Product: Student loan

I graduated from law school in XXXX of XXXX during the beginning of the Covid outbreak. After graduation I am entitled to a six month grace period before debt repayment is to begin. However, due to the Covid student loan relief program ; I am not due to enter the repayment phase until XX/XX/XXXX. 
Despite these forbearance against student loan collections until XX/XX/XXXX, I have been contacted by phone several times by my loan service provider, Nelnet, starting as far back as XX/XX/XXXX at XXXX. The calls that I chose not to answer because of the forbearance program were then followed with voicemail. The calls come at inconvenient times and are erratic in nature. 
For instance, I was contacted and left a voicemail at XXXX on XX/XX/XXXX ( my birthday ), XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX ( today ) only to discover that it was an automated recording that I have heard during each and every voicemail, as they must think that I am incapable of remembering the information the first time I received it. 
I am currently studying to take the Uniform Bar Exam again in XXXX of XXXX. The calls have been significantly distressing and only serve to exacerbate an already extremely stressful period in my life. To make matters worse, the calls seem to coincide with the period where I was studying for the XX/XX/XXXX Exam, and the day after I had received news that I did not pass the XXXX exam. 
The continued unsolicited communications by Nelnet have furthered my stress to a point where I am worrying about the next call, as well as their increasing frequency, rather than focusing on studying and I fear that this harassment will only increase as the deadline approaches and I should be solely focused on passing the exam. 
I have been losing sleep, and having anxiety attacks from these harassing calls and I fear that they are having a detrimental impact on my mental health.
Product: Checking or savings account

Regions Bank Corporate Office XXXX XXXX XXXX XXXX, Alabama XXXX My father died in XX/XX/XXXX. He had purchased CDs from Regions Bank in XX/XX/XXXX totaling {$40000.00}. Regions name was XXXX XXXX XXXX at that time. Regions says that they have no record of these CDs. In XX/XX/XXXX, I wrote the Alabama State Banking Dept and Regions told them that they dont keep records on inactive accounts for more than 5 years. I then received a call from a Regions employee telling me that they dont have that money and not to contact them again about it. 
They say that they dont keep records past five years but dad also had an inactive checking account that was opened in XX/XX/XXXX and they had record of that account .so they do keep records.
Product: Credit reporting or other personal consumer reports

My wife requested an secured loan at One Main Financial, I was placed as co-applicant. My wife was having problems making the payment since we had some financial difficulties therefore, she requested to have the loan modified to request a payment extension. She was granted the extension but they continued to mark the loan as 30 day late on our credit report. I have made multiple attempts through experian to remove the negative information but it always return as " update '' and no changes.
Product: Debt collection

The company I.Q. Data had a male representative speak to me with an aggressive and bullying manner. This caller from this company refused to accept that I was not the person he was looking forward and refused to hang the phone up and also refused to head my request that they stop calling this number. I had to speak to his manager about they verbal abuse received by this person.
Product: Credit card or prepaid card

in XXXX I made 2 purchases from merchant XXXX XXXX  CHARGE 1 : {$1600.00} and another CHARGE 2 : {$1300.00}. I then filed a dispute for both charges, for the CHARGE 1 : {$1600.00} charge I disputed {$1500.00} REF : XXXX and for CHARGE 2 : {$1300.00} I disputed {$1300.00} REF : XXXX .Later I was credited by the merchant XXXX  XXXX, they credited me {$1100.00} for CHARGE 2 : {$1300.00}. I then received communication from AMEX that I had won the dispute for {$1500.00} from CHARGE 1 and I was credited. Later, I received communication from AMEX that my dispute for {$1300.00} from CHARGE 2 was closed because the merchant XXXX XXXX had already credited me {$1100.00} towards CHARGE 2 I then filed a dispute for the remaining {$170.00} REF : XXXX that I was missing from the {$1300.00} dispute. I once again won the dispute and everything was in order. 

6 MONTHS later, I received communication from AMEX that since the merchant XXXX XXXX had already credited me {$1100.00} and since they had credited me {$1500.00} it meant that I had double credited. Which makes no sense since the merchant originally credited me {$1100.00} towards CHARGE 2 and AMEX credited me {$1500.00} towards CHARGE 1.Now If the AMEX is claiming that the credit XXXX XXXX in the amount of {$1100.00} was towards CHARGE 2 is really meant for CHARGE 1 then that means that my original dispute of {$1300.00} for CHARGE 2 was never credited as AMEX had originally claimed and was closed incorrectly. I tried multiple times to get someone from AMEX to understand this issue, they claim they do and the customer service rep agrees with me that this should not have happen and I should not be rebilled {$1100.00}, But every time the dispute goes to their back end team, I receive an automated response stating the same thing every-time, completely ignoring my issue and they don't even bother to look at the proof I'm providing, where you can CLEARLY see that the product for CHARGE 2 {$1300.00} was sent back to the merchant because XXXX was UNABLE TO DELIVER. Its completely ridiculous that AMEX wants me to be liable for {$1100.00} for product that I don't own. Very stressful situation that AMEX is putting me thru and to make matters worse, this is going to heavily affect my credit score by putting me at an utilization of over 50 %.
Product: Student loan

Aidadvantage website never works you can sign in attempt and then goes error please come back later. Whether its during day XXXX.. middle of day. Night. Day of weekend. How do they expect me to set up my payment each month before its due. They also got rid of their app and website is always down. Very inconsistent and stressful having to try different times day a week prior til due to make a payment or view anything in my account!!
Product: Mortgage

My 15 year mortgage was taken over by NewRez mortgage comp. of XXXX Tx. about four months ago and being serviced by shell point mortgage ever since. 

In my original contract with XXXX, I signed up for maintaining my own escrow account and have been paying my taxes and insurance for last 20 years. I have never been delinquent or behind payment of any kind. I have sett up auto pay from my XXXX  XXXX XXXX account, it is paid automatic. Taxes and insurance are paid when its due and never been late or delinquent. 

All on a sudden, I received a notice from the Shellpoint mortgage company that I am delinquent on my taxes and they had to pay my taxes for me to City and county, although my taxes were not due until XX/XX/2019 and XX/XX/2019. They went ahead and paid the city and county and sent me a bill for that. I went ahead and paid them whatever they billed me and the payments were duplicated. Now, they are adamant about their mistake and asking me to maintain an escrow account with them, which is not in my contract. 
I have all the document to prove the above facts. Which have been provided to them as well. I need help to go back and set up my account as it was and dont want to maintain any escrow account with them. I have contacted them and XXXX talked with the manager, with no relieve. I need help, I am XXXX years old and cant deal with them any more.
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 Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Formal Complaint Regarding My Mortgage Experience with XXXX XXXX and Supreme Lending Dear CFPB, I am writing to express my frustration and concern regarding my recent experience with Supreme Lending and my loan officer, XXXX XXXX. I initially began the process with XXXX under the impression that I was applying for an FHA loan for my home purchase. I completed all the necessary paperwork, but things began to take a troubling turn as the process continued. 

At one point, my realtor informed me that XXXX was working to secure 100 % financing for me. I agreed to this arrangement. However, XXXX later instructed me to use my down payment funds to pay off four credit cards, sell my car back to the dealership, and use the remaining funds to cover the upside-down balance owed to the dealership. I expressed my concerns that this would deplete all of my reserves and down payment money. XXXX assured me that 100 % financing would cover everything else. 

XXXX conducted a rescore, but my credit scores did not meet the required threshold. He initially told me I would close around XX/XX/XXXX, but that date passed without any closure. Then, he set a date for XX/XX/XXXX, which also came and went. XX/XX/XXXX was another date he gave me, but that did not happen either. Finally, he gave me a closing date before XX/XX/XXXX. When I called to follow up, I received no response. My realtor later informed me that XXXX was once again delaying the process. 

This ongoing uncertainty and lack of communication have caused significant emotional and mental distress. Since XXXX, my life has felt like a roller coaster. The stress level has been overwhelming, and I was unable to enjoy my family during the holidays, especially XXXX, which is my favorite time of year. This situation has led to sleepless nights, headaches, and emotional turmoil. 

The situation worsened when I received a call and an email from a new company stating that XXXX had transferred my loan to them. I did not authorize anyone to send my file to another company. I was shocked to learn that XXXX had left Supreme Lending the very day I was supposed to close, and that he had taken my file with him without my permission. 

As a first-time homebuyer, my experience with Supreme Lending has been horrific, and I am extremely disappointed by the lack of professionalism, transparency, and communication. I am also concerned about potential violations of privacy laws, as my file was shared with a new company without my consent. I dont know how many privacy protections were breached during this process. 

I do not want anyone else to go through the same ordeal Ive experienced. I request a full explanation of what occurred and how this situation will be rectified. I am also seeking clarification regarding the potential violations of privacy laws and my rights as a consumer. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX