23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Instatution, Bank Of America..Branch application taken out was XXXX, NY XXXX That was my only involvement with that branch.My loan was for a simple Lin of credit, it was taken out on XXXX XXXX2022 and dragged out for almost 6 Months never seen any business practices like this in all my 70 years. Ive had numerous loans and never had terrible treatment like this bank has given my wife and I, The individual handling my account was XXXX XXXX and her XXXX XXXXXXXX was XXXX, he was just as bad or worse with no answers that made sense the usual brush off. Never returns calls waiting and complying doing and giving what ever they needed which was getting completely out of hand. On XX/XX/XXXX I had spoken to XXXX numerous times in the months prior, XXXX, XXXX, XXXX, XXXX, XXXX, we also have numerous text messages, from XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all our conversations were all taped by XXXX. In all our life we never heard of line of credit taking 6 months to get and I have no depths at all. Including credit cards etc. with assets over a XXXX  dollars, how does this bank function with employees that give customers the runaround. I have documented proof they received all which was requested. They also had to run my credit for the second time because they dragged it on for so long. Also I want to mention I have a existing Heloc now for {$200000.00} and wanted to payoff mine at the time I received theres, so simple to figure out. Let me know how to resolve 6 months of grief. My wife and I are in tremendous disbelieve, excuse after excuse just hoping you will give it up the process. XXXX and her XXXX XXXX need better training. Remember Ive dealt with banks for manys and have a perfect score that can be documented if needed. I would love to know how that department makes money for its shareholders. Thank you for the time explain my grief in this situation XXXX
Product: Debt collection

Company says they dont see an account with my SSN but its in my transunion provided on document sent..

Subject : Cease and Desist Notice Unauthorized Access and Furnishing of My Consumer Report Under 15 U.S.C. 1681 To Whom It May Concern, This letter serves as a formal cease and desist demand regarding the unauthorized access and furnishing of my consumer report, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit report, I discovered that my personal and financial information has been accessed without my explicit written consent, particularly for insurance underwriting or other unauthorized purposes. Pursuant to 15 U.S.C. 1681b ( a ), a consumer reporting agency is only permitted to furnish a consumer report under specific circumstances, including when the consumer has provided written authorization. I have never given such written consent.

Furthermore, 15 U.S.C. 1681b ( f ) prohibits any entity from obtaining a consumer report without a permissible purpose. Any continued access to my consumer report without my express written permission constitutes a violation of my rights under federal law. 

Therefore, I demand that you immediately : 1. Cease and desist from any further unauthorized access, use, or furnishing of my consumer report.

2. Remove any inquiries or accounts that were obtained without my written authorization.

3. Provide me with the names and contact information of any entity that accessed my report without my consent.

4. Provide proof of my written authorization for any disputed inquiries or accounts. If no such authorization exists, the disputed entries must be removed immediately.

If you fail to comply with this cease and desist demand, I will have no choice but to pursue further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing civil litigation for FCRA violations.

I expect full compliance and a written response within 30 days, as required under 15 U.S.C. 1681i. This letter serves as formal notice, and failure to act accordingly may result in legal consequences. 

Sincerely, XXXX XXXX
Product: Mortgage

When Covid hit, my wife and I were both laid off. We signed up for the forbearance program offered by our Mortgage company, Specialized Loan Servicing. 
We're both full employed now, and have been making regular payments, however, Specialized Loan will not modify our loan. They want {$40000.00} or else they're threatening foreclosure. We clearly don't have {$40000.00} or else we would've made the regular payments all along. Additionally, they marked our credit as delinquent. This caused my credit score to drop XXXX points over night, this 'mark ' prevents me from refinancing. Interestingly, they downgraded my credit a week prior to rejecting our application for assistance. 
We can easily afford our home of 15 years, and Specialized loan continues to cash our payments. 
I'm looking for help with this situation, as I'm sure we're not the only people in this predicament. 

Thank you
Product: Credit reporting or other personal consumer reports

Equifax failed to inform me of a data breach back in XXXX Now I am able to file a claim to receive compensation for their failed attempt in keeping my information confidential. Ive been making complaints since the beginning of the year to remove my name, previous address, phone numbers, email address, and previous employers off of my credit report because since Equifax was hacked anyone could have gotten my information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX AFFIRM XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX
Product: Checking or savings account

At least XXXX ( XXXX ) unauthorized and fraudulent Virtual Debit Accounts created through XXXX withdrawing funds from BANK OF AMERICA XXXX Checking Account. 

XXXX ( XXXX ) fraud claims opened with Bank of America failing to perform due diligent investigaton, failing to provide data, reversal of credits without justification, lack of customer service, and denial letters received without proof or reference to sufficient fraud investigation performed.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agencies, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX to your agency, EQUIFAX, and I believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX Account # XXXX regarding this account should not be included in my consumer credit report. Furthermore, 15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. Requested Documentation : In order for XXXX XXXX XXXX Account # XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date. 2. Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe
Product: Debt collection

I purchased a used vehicle from XXXX XXXX in XXXX, IL. around XX/XX/XXXX. A week after the purchase I came to realized that it is a Used Lemon vehicle. The vehicle has been serviced by their auto mechanics 4-5 times in regards to the same issue ( Engine and Cooling system ) and had to pay {$350.00} deductible each time, it has been address to the company 's customer service along with the Finance Company ( TOTAL FINANCE, LLC. ) and the person and his manager that sold me the vehicle. I have already invested a little more than {$4500.00} in repairs for the same issue. It was sold to me at an interest rate of 29 %. Well getting to the issue, I have been trying to get in contact with the finance company ( as of XX/XX/XXXX ), to do a voluntary surrender of the vehicle, I already explained that I can no longer afford the vehicle payments and also can not afford to be making more repairs. They have been refusing to talk to me, after leaving voicemail messages to contact me, but have been calling my wife 's cell phone non-stop and also sending her text messages, and even threatening her that they are going to get a hold of her social security number to garnish her wages. She ( My wife ) was also told that they are not even interested in doing an voluntary surrender. As of today, she has received 5 phone calls from the company and so far 1 text message. The XX/XX/XXXX information clearly states that I 'm currently the 7th owner of the vehicle, and the rating is XXXX, the vehicle is only worth less than a {$1000.00} for trade in or to sell. My payment was due on XX/XX/XXXX, I 'm only 10 days late.
Product: Credit reporting or other personal consumer reports

I received a response from the credit reporting agencies stating that the investigation of these accounts was completed, verified, and updated. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) concerning the Method of Verification, I am entitled to understand the verification process conducted by your agency. I request a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite the investigations and updates, my credit report continues to reflect discrepancies. I request the removal of these inaccuracies from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights un 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX MY BIRTHDAY IS LISTED INCORRECTLY IT SHOULD BE XX/XX/XXXX BUT ITS LISTED AS XX/XX/XXXX
Product: Student loan

Fed Loan Servicing has violated my right to operate in commerce as a consumer, which is a violation of federal law. I have identified and made Fed Loan Servicing aware that my students loans are a consumer transaction. My social security card/number was used in order for this transaction to proceed. My social security card/number belongs to the Social Secuirty Administration and anything purchased with my social is the obligation of the United States Corporation according to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Therefore under this definition by law this transaction makes me the original creditor. The FDCPA 15 USC 1692 never uses the term borrower, because there is no such thing as a borrower. You can not borrow your own money, and if referred to as a borrower in any contract is a violation of 15 USC 1692. Fed Loan Serving is a third party lender/bank/debt collector, and can not loan money or extend credit let alone attempt to collect a debt. I have expressed these violation and asked for a sworn affidavit and I submitted a debt validation letter which was signed and dated by a Fed Loan Serving Agent which is breaking federal law. They did not provide me with any documentation or provided any of my requests on my debt validation. Instead again referenced me as a borrower and XXXX XXXX  as the authorized signature for the creditor. It is impossible for XXXX XXXX to be the original creditor and yet signed an official document stating otherwise. I have also requested the immediate cease and desist on reorienting to my consumer reports without my consent which is a violation of 15 USC 1681. Fed Loam Servicing has blatantly refused to acknowledge my consumer right in that regard and continue to report on my consumer/credit errors which is actively damaging my consumer reputation which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

CMRE T710IM HIPAA VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue with a financial institution which financed my auto loan. Account was paid as agreed without late history and/or late payments. The matter was brought up to the bank which understands that the history is inaccurate and explain that the credit bureau is to blame for the incorrect history. 
I contacted the bureau which states the information is being reported as accurate by the bank. Each company tells me the other is responsible for the error and the matter does not get resolved. 

I am asking for assistance as a consumer under the Fair and Accurate Credit Transaction Act and the Fair Credit Reporting Act. I am further asking that this agency help mediate the matter so that the entity reporting the inaccurate data corrects the issue with finality. 

Late history is reported thus : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Mortgage

I have a Mortgage Loan with SPS. I have been very very regular for many years. But the COVID Pandemic really played havoc with my XXXX XXXX, finances and rental income. 

I XXXX a XXXX in downtown XXXX XXXX XXXX, which is very badly affected by COVID. I spent about $ XXXX to fully renovate my XXXX from XX/XX/XXXX till XX/XX/XXXX. And the XXXX was closed during this time. From XXXX this year, I had to gain close down XXXX XXXX because of the rampant COVID in XXXX XXXX XXXX So there is ZERO XXXX  income, throughout this year. 

On top of it, my XXXX are not paying XXXX for the last 7 months. And because of the moratorium on evictions, my Attorney tells me that the eviction case will have to wait till XX/XX/XXXX, to be taken up by the Courts. 

So I am squeezed from all sides and it is becoming very very difficult to make both ends meet. 

But yet, with all these hardships, I have been paying my Mortgage regularly until 2 months back. As I exhausted all my savings I was forced to stop paying the Mortgage since 2 months. In fact, many of my friends already got Forbearance for 12 months. 

So I called SPS and requested their help. But they said I am not eligible as it is a private Loan. They sent me lengthy paper work asking me to fill up all that to see if I can qualify for any Loan assistance. 

I understand that under CARES Act., hapless borrowers like me are eligible to get Forbearance by just answering a couple of questions about the COVID Hardsip.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

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 XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. Upgrade : Acct # XXXX XXXX. XXXX XXXX : Acct # XXXX XXXX. XXXX XXXX  : Acct # XXXX
Product: Credit reporting or other personal consumer reports

CFPB ComplainXXXX XXXX XXXX fail to provide any documentation that I requested for them to provide. I really hate the fact that a company can respond to a complaint and isn't held responsible when asked for documentation to prove their response. Again I am asking for documentation that allows you to report consumer financial responsibilities to a third party. PLEASE PROVIDE DOCUMENTATION TO PROVE YOUR RESPONSE FROM COMPLAINT # cfpb XXXX
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing the following information items. 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 agency if the person knows or has reasonable cause to believe that that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Purchased a XXXX from Harley Davidson Financial, state law requires full coverage on anything financed, they put XXXX insurance on it. Accident occurred and insurance would not cover any damages. Now Harley Davidson Financial has charged off the account but yet failed to send me form 1099C so I can file with the IRS and pay the taxes to release the lien. Also still reporting a balance when they wrote it off on their taxes as a loss.
Product: Credit card

When I found out about Servicemembers Civil Relief Act ( SCRA ) i applied for it through Capital One only to find out they sold my account to a third party called XXXX. However, I can not get in contact with XXXX to discuss my account and its nothing that Capital One can do at the moment. I know my account went into default however, the account was opened prior to me joining the military. And I am entitled to SCRA benefits as I am an XXXX service member and have been for over XXXX years. When I called the number for XXXX I get no answer no matter what time I call.
Product: Money transfer, virtual currency, or money service

On the XXXX or XXXX of XXXX, I initialed a domestic wire from my personal account to my Business account. Upon entering in the numbers for the receiving bank, I noticed that I was able to enter all the account numbers. This prompted a call to Alliant, where the representative couldn't explain the error and referred me to Docusign. They still processed the wire and it was rejected by XXXX XXXX XXXX. The next day, we resubmitted the wire and the system allowed entry of all numbers. After being insulted by the supervisor and the system error, I deemed it appropriate to request for both fees to be refunded. They have refused. As a Former XXXX XXXX myself, I can't find a reason of why they wouldn't honor my request outside of being disrespectful even to the extent of calling me by my first name without permission. 

I'm requesting this agency 's involvement.
Product: Debt collection

Caller ID showed Unknown, I answered the call at XXXX XXXX  on XXXX XXXX, 2018. A woman calling from XXXX XXXX. This is regarding my XXXX XXXX XXXX and I am aware of the delinquency, have made a partial payment. Past due is LESS than 30 days.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts are in violation of not reporting 100 % accurate.