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

Today I called Westlake Portfolio because I was advised that was who took my vehicle that I purchased from American Car Center. I have several XXXX XXXX XXXX and spend a lot of time XXXX. Months at a time. So I explained this to the very rude representative. I also was hung up on, I think his name was XXXX. He told me he would send the car back, push all loans back and give me a discount of 20 % twice so 40 % for an ach set-up payment. This was before he hung up. They were NOT willing to honor my previous contract from American Car Center at all. But me being very sick and knowing I have to have a XXXX XXXX soon I tried to work it out. I was given a payment of {$400.00} due XX/XX/2024 and I could get my car back. Even though I was still receiving a bad deal. He hung up on me and kept talking to me like less of a human being. So I asked for a supervisor. He refused me a supervisor and hung up in my face. I called back from a different number and he put me on hold and came back pretending to be a manager. So I simply asked for another supervisor and he hung up on me. Im extremely sick and just went to an XXXX XXXX XXXX  dealing with such disrespect from a company that I never agreed to do business with. Im in the XXXX for months at a time. I tried to resolve this sketchy deal that I dont even have a contract from and they repoed the vehicle off of private property so I can have a way to the XXXX. And was treated and talked to like a dog each time by the same person. 
This company needs to be held accountable for its viciousness and atrocities committed against original American Car Center and US Auto Car Center customers. Even if they took over the debt and contracts, where are our new contracts if youre NOT going to uphold our old contracts. And Im not elderly but Im extremely XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX through the atrocious customer service and being hung up on. Not to mention my intelligence being played with. After being held accountable and sued they need to be closed down for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Con man name XXXX XXXX XXXX DOB-XX/XX/XXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them XXXX and XXXX XXXX them. 
I am one of the many victims. 

I have a loan for {$6000.00} with XXXX XXXX  A credit card that is max out $ XXXX XXXX XXXX  And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XX/XX/XXXX I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

Sincerely XXXX
Product: Credit reporting or other personal consumer reports

I have a few inquiries that i did not authorize. The only inquiries that should be on there are from my open trade lines. XXXX ( Bank ), XXXX ( Bank ), XXXX XXXX  ( Finance ) ( 2 ) of those, SYNCB/XXXX ( Bank ). Nine of these accounts i have applied for. I filed bankruptcy and i have been very careful on applying for anything.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed a unauthorized and fraudulent account on my Transunion credit report and even after sending disputes with proper documentation and also a identity theft report from the FTC Transunion has failed to block the fraudulent account from my credit report and this has caused me to be denied housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX, XXXX XXXX  TX # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Debt collection

On XX/XX/2018, XXXX XXXX XXXX ( Notary ID:XXXX   Cert. GG XXXX, Exp.XX/XX/XXXX, Bonded by XXXX  XXXX XXXX XXXX  ) deliberately notarized fabricated documents on behalf of Mortgage Electronic Registration Systems ( MERS  ) and Bank of America ( BOA ). The mortgage assignment documents assigned from MERS to BOA thru e-recording on XX/XX/2018 have no book #, no page #, and XXXX XXXX XXXX under Florida Statute Section 117.107 ( 9 )  never identified the signer was present with notary at time of signature, Failed to Confirm the Identity of the Person Who Signed under Florida Statute Section 117.05 ( 5 ),  Notary misconduct left Substantial Portions of the Jurat of the Instrument Blank Prior to Notarization under Florida Statute Section 817.107 ( 10 ). 
Please note attachments that support my complaint.
Product: Debt collection

XXXX, XXXX XXXX SOC  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX : # 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 an 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: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 
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
Product: Mortgage

I started the modification ( RMA ) process with XXXX in XXXX of XXXX After processing reams of paperwork, all of which were redundant items asked for over and over again, a modification was given in XXXX of XXXX. I was put into a 3 month payment trial which I lived up to. In XXXX regular modified payments began. I was sent the modification agreement to be signed and notarized in duplicate. I signed and had notarized both and sent it in, but put a note on the bottom stating I was signing under duress as I was told this would be a principal reduction. It was a standard modification. They called and told me they could not accept this with the note and would not do the mod with the note. They said they would send XXXX more forms for the original mod agreement. After 5 days I called and they said they had sent it. The woman I spoke with, XXXX XXXX on XXXX/XXXX/XXXX asked me if she could fax it to me. I agreed, she faxed the form, I made a copy of said form and proceeded to have both notarized and placed my original signature on both. Sent it in through regular mail and they in turn called to say they do not accept fax copies! The form itself was a fax sent by them! The signature and notarized RAISED stamp were original. I said you people sent the fax. What are you talking about? Well, the person faxing should have told you we did n't accept faxes. Why would she have faxed me then? Here we are after being told they were OVERNIGHTING another mod agreement XXXX, said which never came. Called again and was informed I have been put back into foreclosure!! Something untoward is going on here. The only explanation that makes any sense to me is they are attempting to get out of doing the mod already offered and payments accepted until the last XXXX I sent and they received on XXXX XXXX. They refused the XXXX XXXX payment ( of which I have proof of them receiving on time through XXXX XXXX ) so now they can claim I have n't paid, I guess. After nearly three years of being put through a ringer when I qualified from the very beginning and to now have them pull this kind of under-handed game with the roof over my head is reprehensible and unconscionable.
Product: Mortgage

On XX/XX/XXXX, we made an additional payment of {$1200.00} towards the principal of our BOA mortgage. Due to a BOA system glitch, this amount was double posted and then incorrectly reversed twice, instead of once. Since then, Ive been calling BOA customer service numerous times and the wait was almost 2 hours each time and the need to repeatedly explain the same story. Some reps could easily understand the issue but some couldnt. However, they all needed to create case # to escalate this issue. We had received 4 cases # on the same issue because some of them were closed without any resolution. 

After 3 months of back and forth, this issue was still not revolved by XXXX when we refinanced our mortgage with another bank. In the past two months in XXXX, we even went to our local BOA branch seeking for the managers help. However, BOA mortgage department now claimed they couldnt do anything since our mortgage account has closed. BOA may consider {$1200.00} not a big amount for them, but its critical for me as a retiree especially during the current pandemic. The key issue Im fighting for is our customers right. We desperately need your help to resolve this for us. Thanks.
Product: Credit reporting or other personal consumer reports

I received notification of my personal score going down and after investigation XXXX XXXX XXXX started reporting a monthly charge off on an account that was paid in XXXXXXXX XXXX XXXX. I spoke to the director of the company numerous times and it still has not been corrected. It is my understanding that there should be no MONTHLY reporting of a charge off once paid. This has caused my score to drop XXXX points and is creating a hardship. I have called and emailed the company and they are continuing to erroneously report on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 a account without my written instructions. 
15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

All of my XXXX accounts were deactivated on XX/XX/2022. After XXXX calls and XXXX hours on the phone with Ally and XXXX, this issue remains unresolved. I was told that one of the people who sent money to me was suspected of fraudulent activity and consequently my account was also deactivated. As a consumer, at no point was I asked for information or provided any opportunity for discourse, refute or evidence. Furthermore I'm notified that I'm no longer able to use XXXX NOR ACH transfers.

How a transaction from one party to me can effectively shut down my usage of online banking is ridiculous. Am I now being restricted to technology from the XXXX XXXX, wire transfers to move money and not to mention, the sweet fee 's that banks charge for that type of transaction? Where are my consumer rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive been monitoring my credit report for some time through MyFICO. I pay almost {$40.00} a month. Multiple times my score has went down due to the credit card company charging interests but failed every time to update when my balance went down. Therefore Ive come to the conclusion that these companies are doing this purposely. Im reporting them all for improper reporting. Ive never witnessed them report my payments correctly and I can literally see $ XXXX $ XXXX {$3000.00} huge payments reported as {$100.00} or {$200.00}. How is this legal at all. Ruining peoples credit purposely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is still regarding the previous case with Wells Fargo Bank with CASE # XXXX. 
They called and promised they will correct the wrong information placed on my XXXX  credit profile, and correct the late payments, and the " paid, closed, {$1800.00} written off " placed on my credit Profile. Since this was not part of the loan, but erroneous insurance charges of {$1100.00} that caused the problems and overcharges by them, as a way of delaying the loan. 
I have all the insurance at that time and provided to them, while they promised to resolved it and credit me. They are supposed to refund my credit as they promised earlier, but they refused crediting me, and insisted they will correct their mistake on the credit report placed on my account but will not pay credit me.I refused to accept their offer. I have not heard from them since XX/XX/XXXX, 2019. my credit profile has not been corrected, my credit for insurance has not been paid. I need this issue resolved or will file for damages against them. 
This was fully paid with XXXX balance.Needing my credit from them.
Product: Debt collection

In XX/XX/XXXX, I sent a handwritten letter via certified mail requesting additional details to confirm the account and the amount owed. I also reached out to the account representative to discuss payment options, as I had already made payments to the apartment and leasing office related to this account. Despite my efforts, I did not receive a response to my letter. 

In XXXX, I attempted to contact their offices again, only to be informed that I owe this debt and must pay it immediately. Upon further investigation, I discovered that other parties on the account were contacted and offered a deal : if they paid the balance, they would be removed from the account and receive a 10 % discount for immediate payment. These parties complied, paid the balance, and were removed from the debt and account. 

However, the remaining 10 % of the balance was subsequently added back to the account and is now being attributed to me. This tactic is deceptive and dishonest, as the other account holders were led to believe that their payment would close the account entirely for all parties involved. Instead, the account remains active, leaving me unfairly responsible for the remaining balance.
Product: Debt collection

This company named " Sierra Outsourcing Solutions '' based on XXXX XXXX XXXX at XXXX XXXX XXXX, # XXXX, is insisting in collect a amount of {$130.00}. The first letter I received is dated on XX/XX/2024. I do not recognize this debt since I was victim of " medical scamers '' before. 
I mailed a letter to this company on XX/XX/2024 requesting their proof that the statute of limitations has not expired ; proof that they are licensed to collect in the state of Nevada ; license numbers and registered agent and nothing was provided. They returned my letter on XX/XX/2024 with my sent letter attached and NONE OF THE INFORMATION REQUESTED. It's my right to request those information under the Fair Debt Collection Practices Act ( FDCPA ). 
I respectfully request that my rights be granted and to remove any attempts of collection from this company that DID NOT proof being legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. Please investigate and delete the following false accounts : 1. XXXX XXXX account XXXX