23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

THE COMPANY’S RESPONSE ADDRESSED ALL OF MY ISSUESNoADDITIONAL COMMENTSCFPB- in XX/XX/XXXXof last year, I came in from the jet ski trip, and being in a foreign country where safety can be a concern in incidents like this, spoke with the hotel (the hotel which confirmed in email (the 3rd party letter) to ensure someone was aware, other than the 2 parties involved. Then, I proceeded to my room and spent ~90 minutes on a call with a B of A representative who informed me that I do not need to be worried and that this was the only information she needed today. So, I was under the impression that I had covered all my bases in order to receive the credit back. Later on, when I was back in the US, I had to call for an update on the submitted claim which I believe took place in early XX/XX/XXXX. At this point, B of A tells me that I need to submit a letter from a 3rd party source that CONFIRMED THE DETAILS OF THE INCIDENT. Nothing was even mentioned about a technician being required that would confirm the jetski was, indeed experiencing technical issues that caused the sinking/smoking of the engine. These types of issues are rampant on the XXXX XXXX XXXX XXXX (or even XXXX  in general), so I am baffled that this is even being questioned. I have 3rd party confirmation of the incident taking place, and I am tired of discussing an issue that was reported the day it took place, no instructions were given to me on how to handle, and not until I was home did anything get mentioned about the 3rd party confirmation. Realistically, however, even if I had known I needed a technician to come view the jetski, do you really think the jetski rental spot would let this happen?! Certainly not. I expect my bank to fight on my behalf in incidents where me (the consumer) are being taken advantage of by companies in foreign countries. I covered the bases I was aware of while in Thailand and while back in the US. Now, I want B of A to do their job.I UNDERSTAND THE COMPANY’S RESPONSE TO MY COMPLAINTNoADDITIONAL COMMENTSI understand what they are saying, but it STILL does not align with the communication between B of A and myself on the day of the incident.THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINTNoADDITIONAL COMMENTSSee above
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you will make further actions regarding this matter. I called TransUnionXXXX after I purchased a credit report from XXXX XXXX on XX/XX/XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate informations on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them removed from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items needs to remove : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed XXXX {$180.00}.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : Complaint regarding Vehicle Purchase and Repossession Vehicle : XXXX XXXX XXXX XXXX : XXXX Contract Date : XX/XX/XXXX Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the purchase, financing, and subsequent repossession of the above-referenced vehicle. I believe there have been multiple violations of consumer protection laws and unfair practices. The key issues are as follows : 1. Improper Repossession Notice : XXXX XXXX XXXX sent the repossession notice to an incorrect address ( XXXX XXXX XXXXI XXXX XXXX, instead of XXXX XXXX ). This failure to properly notify me violates the Uniform Commercial Code ( UCC ) requirements for repossession and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ( 6 ) ).

2. Lack of Redemption Opportunity : I was not provided a reasonable opportunity to redeem the vehicle before it was resold, violating my rights under consumer protection laws and UCC 9-611.

3. Potentially Predatory Lending : The contract shows an Annual Percentage Rate of 19.20 %, which may violate the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ).

4. Vehicle Defects : The vehicle 's motor failed before the contract was paid off, indicating a potential breach of implied warranty of merchantability under the Magnuson-Moss Warranty Act ( 15 U.S.C. 2301 et seq. ). 

5. Failure to Address Known Issues : I made several attempts to inform XXXX XXXX about ongoing problems with the vehicle, which were ignored. This demonstrates a lack of good faith and may violate the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

6. Improper Credit Reporting : The repossession may have been reported to credit bureaus without considering the improper notice, potentially violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Given these serious issues, I request a full investigation into this matter. I believe the repossession was unlawful, and I am seeking appropriate remedies, including but not limited to : - Invalidation of the repossession and sales process - Compensation for the improper handling of my account and vehicle - A full accounting of all payments made and the current status of the account - Investigation into the dealership 's practices regarding the sale of potentially defective vehicles I have documentation to support these claims and am prepared to provide it upon request. I look forward to your prompt attention to this matter and a resolution that addresses these serious concerns. 

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

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/ 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XX/XX/2016 amounts : XXXX I reached out to lender that's still reporting information from 7 years ago. I tried reaching out to have account removed from credit file. There's also inquires showing on my credit file that needs to be remove.
Product: Vehicle loan or lease

On XX/XX/XXXX I got in my car to go run errands and prepare to go to work and my car wouldn't start due to a kill switch. I purchased my XXXX XXXX XXXX last XXXX of VIN # XXXX at US Auto Sales at the XXXX branch on XXXX XXXX on XXXX XXXX. 
Ever since my purchase i've experienced multiple problems with their payment system & reps. The system continuously says " IT DOESN'T RECOGNIZE MY INFO '' even causing me to pay late because the system wont allow me to move forward to make a payment. I can not use my phone during work hours which renders me relegated to the after hours or online portal which has given me problems as well. I called all the associated numbers to no avail ( XXXX ) XXXX, XXXX spoke to sales rep XXXX XXXX who answered the phone giving the name XXXX, i recognized his voice and addressed him accordingly & manager XXXX who presented a number as corporate with a live rep yet was a recording, as well as the " XXXX XXXX' system ( XXXX ) XXXX spoke with a rep who acknowledges my note as paid fully yet says I don't know why they didn't update your account i don't know what to tell you '' instructing me to wait until Monday morning at XXXX XXXX. when i must be at work XXXX and have my child at school prior to that. 

This constitutes a violation of my sales contract and agreement, my consumer right under F.C.R.A. as well as constitutes a DE-FACTO REPOSSESSION. 

I have net all the obligations of my sales agreement yet they ARBITRARILY grant access to my vehicle rendering me incapable of enjoying the unrestricted use of my vehicle as dually agreed upon and bound under the provisions of my sales contract. i know this is common practice for them as i've had the unfortunate awareness after speaking to quite a few people who have experienced this and worse due to their shady business practices. 

I want the system corrected to prevent this type of incident in the future, i want the XXXX XXXX XXXX  REMOVED FROM MY VEHICLE IMMEDIATELY BY XX/XX/XXXX AS IT CONSTITUTES A VIOLATION OF MY RIGHTS under F.C.R.A. AND IS A DE-FACTO REPOSSESSION, and i want to be COMPENSATED the equivalent of XXXX  monthly payments credited to my account in the amount of {$490.00} for the months of XX/XX/XXXX and XX/XX/XXXX. I also want a full letter from US Auto sales acknowledging its wrongdoing in killing my starter/ignition on my car with an apology and payment/credit for XXXX  months car note to my account paid immediately. 

My confirmation numbers for my payments are XXXX for {$300.00}, XXXX for {$130.00} and ** XXXX for {$68.00}. I will attach a photo of the payment confirmation sent from U.S.Auto servicing as proof. as well as my current screen showing next payment due and date due establishing me as current on all payments.
Product: Credit reporting

Bureau is reporting an account with XXXX a student loan supplier as being over 180 days late ... .account has been in deferment for a number of years and has never been late, yet they claim to have validated the debt which I previously supplied documentation showing that it has been in deferment and never late. The derogatory information being supplied by Transunion is completely inaccurate, I want all derogatory items removed immediately because they have NO first hand knowledge of any of those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested a copy of a credit report from XXXX. I received a copy of this report on XX/XX/2021. 

On XX/XX/2021, I submitted a request via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter dated XX/XX/2021 that XXXX contacted XXXX XXXX XXXX to determine the accuracy and completeness of the information they are reporting. However, they did not verify the information to be reported 100 % accurate with the US Bankruptcy CourtXXXX XXXX I also verified with the US Bankruptcy CourtXXXX XXXX in writing that they do not verify or validate information with ANY Credit Bureaus or Credit Reporting Agencies such as XXXX. 

On XX/XX/2021, I sent a second letter via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy CourtXXXX XXXX to be listed as 100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter from XXXX that they were unable to process my request at the time. 

As of XX/XX/2021, XXXX continues to provide Bankruptcy information to Credit Bureaus and have not verified said information to be 100 % accurate with no missing information with the US Bankruptcy Court-XXXX XXXX. 

Furthermore, the information is not being reported accurately & correctly with all Credit Reporting agencies. 

This inaccurate information has a negative marking on my credit and is affecting my ability to obtain credit as well as my credit scores. 

I would greatly appreciate it if you can make written contact with XXXX and request that they verify with the US Bankruptcy Court-XXXX XXXX in writing the information they are providing to Credit Bureaus to be 100 % accurate & complete.
Product: Mortgage

My mortgage was assigned, sold, or transferred to XXXX XXXX, serviced by Shellpoint Mortgage Servicing, effective XX/XX/2021. As of XX/XX/2021, Shellpoint Mortgage Servicing has still not provided me with notice of the transfer. I've repeatedly contacted Shellpoint in order to make payment on my mortgage and Shellpoint has no record of my loan. Shellpoint is unable to provide me with my loan number in order for me to make timely payment of my mortgage.
Product: Debt collection

Repeatedly calling. 34 calls from Commenity in past 7 days. They call about 4 to 5 times per day. I would like them to stop calling me please.
Product: Checking or savings account

I called the fraud department in XXXX once I noticed the XXXX dollars i deposited was so low i knew something weird was going on. Not only that this money came from my father that passed away XXXX its something I wouldn't of blew thru. I spoke with a lady named XXXX in fraud claim in XXXX also but she turned me down on the help I needed because I didn't have the transactions to depute besides saying this wasn't me. I went into the bank a few time made police reports been and still homeless due to this transactions aren't accurate they denied 2 appointments I made they moved my money without permission or notice then lied saying no they didn't. All I want is the proof besides the fake listing of inaccurate transactions that's not showing me accurate name nor amounts on a few transactions I'm the costumer why not give me what I need if everything accurate why dismiss 2 appointments why a manager lie saying we went over everything knowing I was emotional and the 1 1/2 was more of that til I was exhausted and called it a day went over a few transactions in XXXX when everything started in XXXX why XXXX XXXX didn't reach out for 2 months inside work being done they keep trying to cover up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report 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 Original Creditor : XXXX T XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

Capital One claims they been having issues since Wednesday but I got an email Thursday night of them barley telling me. I usually get paid on Thursday and today is currently Friday XX/XX/XXXX and still not money in my account. I really need the money for bills and food also it is a holiday weekend.