23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The document included is to outline specific terms in the contract that XXXX XXXX XXXX has violated. This violation of the contracts deems the termination fee void. Therefore, the company does not have the right to seek to obtain the remaining fee of {$370.00} via the collections agency, Advantage Financial Services. A copy of the contract has been included for independent review as well. 

XXXX XXXX XXXX and I had a contract that lasted from XX/XX/XXXX to XX/XX/XXXX. I was an XXXX XXXX at one event, in which I personally purchased all the supplies for. Overall, I have received no monetary compensation, no advertising to assist me as an XXXX, and no confidential information that has personally benefited me as an XXXX. 

The collections agency received my dispute onXX/XX/XXXX. Allowing the 30 days for XXXX XXXX XXXX to reply to the dispute, I have been notified they deem the contract valid and will continue with the collection attempt. However, I disagree. Hopefully, ( as I have outlined ) both parties are at fault, and therefore, the contract is no longer valid. The collections agency has stated my only option is a lawyer. However, since I do not find the investigation adequate by Advantage Financial Services on my behalf, I am seeking an alternative solution.
Product: Debt collection

XX/XX/2023 Aspire Credit Card PRE-ARBITRATION SETTLEMENT DEMAND To whom It may concern : PLEASE ACCEPT THIS LETTER AS NOTICE THAT YOU ARE IN VIOLATION OF THE ARBITRATION AGREEMENT SECTION OF THE CONTRACT BY SELLING THE ACCOUNT TO THE THIRD-PARTY DEBT COLLECTOR, IN PERTINENT PART ANY BECAUSE OF THE BINDING AGREEMENT. NO ARBITRATION PROCEEDINGS HAVE COMMENCED THEREBY RESULTING IN A MATERIAL BREACH OF THE TERMS OF THE ARBITRATION AGREEMENT. 



I WISH TO SETTLE MATTER QUICKLY ON THE TERMS THAT YOU GET THE DEBT COLLECTOR TO DELETE THE INFORMATION FROM MY CREDIT REPORTS BECAUSE OF THE ILLEGAL ACTS. 

Also I wish to be compensated in the amount of {$2500.00} for Damages.
Product: Debt collection

All in all, my bank credit services from The Bank of America ( BoA ) have been less than satisfactory. It would be beneficial if inclined service fees were voided and interest was off set with monthly payments. I wasn't even extended a grace period during my time of unemployment even though I reported it to their organization. Although my scheduled payments aren't much, they are barely making a difference in my credit balance. My credit score has improved a little but I don't see traditional progress with the effort that I am extending. My statements for this year ( 2019 ) don't begin until this month although I have made payments of about {$100.00} XXXX in the months of XXXX and XXXX. My most recent payment of {$160.00} XXXX barely made an impact because of service fees and fluctuating interest variables. BoA threatened to terminate my account services if I didn't take action. If their financial specialists could consider more debt forgiveness that would be amazing, have a nice day.
Product: Debt collection

Greetings, to whom it may concern, XXXX XXXX XXXX XXXX, natural man, Consumer and Creditor. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information and I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ),  all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts THE BUREAUS may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

According to the Fair Credit Reporting Act, section 609 ( a  ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. 
Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide verifiable proof. 
I demand that the account be verified or removed immediately : In addition you are making false claims against my estate 31 USC 3729-3733. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Also, you will find viewable at www.pulaskiclerk.com recorded in XXXX XXXX XXXX XXXX records, instrument No. XXXX, NOTICE OF XXXX XXXX & XXXX No XXXX XXXX XXXX XXXX XXXX for the Secretary of the Treasury of the U.S Department of the Treasury and NOTICE OF XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX for State of Louisiana.. See Maryland Department of Assessments and Taxation UCC File # XXXX. 

Thank You
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. 


Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several inaccuracies that need to be corrected. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses that appear on my credit report and should be removed : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX The only address that should remain on my report is : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Additionally, I noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached a copy of my photo ID to verify the correct spelling. The incorrect name variations currently listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I request the removal of the following incorrect employer information : XXXX XXXX XXXX XXXX XXXX XXXX only employer that should remain listed on my credit report is : XXXX, XXXX XXXX XXXX XXXX The inaccuracies and incorrect information in my credit report are in violation of several federal laws, which are as follows : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft I kindly request that these inaccuracies be corrected promptly to ensure compliance with federal laws and that my credit report remains accurate and up to date. Once the incorrect information has been removed, please send me a copy of my updated credit report for verification. 

Thank you for your attention and assistance in this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

-While living in California XX/XX/XXXX - I leased a car through Kia Finance . 

-Moved back to my home state of Massachusetts XXXX XXXX. 

XXXX XXXX - Lease with Kia Finance ends - I purchased my lease in full for {$14000.00} via Cashier 's Check. Kia Finance gave me confirmation of payment received. 

XXXX XXXX - Kia tells me they sent my title to my insurance agency ( this is unheard of, - no car title is ever sent to an insurance company. ) Confirmed with liberty mutual that they never received my title, nor do they ever deal with Titles or state transfers. It is now essentially lost in the mail ... at the hands of Kia Finance. 

XXXX XXXX XXXX - California registration expires. I am now unable to register my car, as I am now the " owner '' but have no Title - and there is still a lien on the vehicle even after I have paid for it in full with cashier check. 

XXXX Weeks Later : XX/XX/XXXX - Kia lets me know they have sent in an application for a REPLACEMENT title with the California DMV headquarters in XXXX. Tells me it will be 6-8 weeks for me to receive my title, and then they will release the lien and overnight it to me. I have a tracking number to see that it has been delivered on XX/XX/XXXX. Great. 

Between XX/XX/XXXX - present day : I have emailed XXXX, as well as XXXX - over XXXX times. They do not respond, instead they have my case XXXX XXXX XXXX call me. She repeatedly tells me they will not check the status with the DMV " at this time ''. They tell me there is no way for me to check the status of my replacement title. They insist they will check the status after 8 weeks. Why 8 weeks? The DMV let me know it shouldn't take longer than XXXX. It has now been past XXXX weeks. I have not been able to drive my car for 2 months. 

XX/XX/XXXX - I called the California DMV headquarters to ask for the status of the application myself. They can not tell me, as I am not the lienholder. They let me know IT ONLY TAKES 4-6 WEEKS. NOT 6-8 WEEKS AS KIA TOLD ME ... .so at this point, they're lying. 

XX/XX/XXXX - I call Kia to let them know this information. I ask, and beg them to call the CA DMV headquarters so they can get a status of the replacement title application- they tell me they have to wait the full 8 weeks - why? The dmv already told me it takes up to 6 weeks. Not 8 weeks. It has now been 6.5 weeks ... ... Kia will not reach out to the DMV for me, no matter how much I plead.

Due to not having my vehicle registered and being unable to drive it - I have no transportation to or from work. I am on the verge of losing my job because of this.

Additional discrepancy : BILL OF SALE : Kia would not send me a signed Bill Of Sale until I emailed them SEVEN TIMES. They sent me an unsigned bill of sale TWICE. What would one do with a bill of sale that was not signed by the seller exactly?!
Product: Credit reporting or other personal consumer reports

My credit report lists hard inquiries that were not authorized by me. Please take corrective action under 15 USC 1681c-2 to have them removed.
Product: Mortgage

Loan # XXXX XXXX attempt at resolution. 

I was denied a va cash out refinance on the basis that I did not meet the Va occupancy requirement. my ID & bills have the address in question on it. The loan number in question is XXXX. The address is XXXX XXXX XXXX, XXXX Ga XXXX. I have attached a copy of my ID, water, & electricity bills to verify my residency.
Product: Credit card or prepaid card

I am writing to address a crucial matter regarding the credit limit reporting on my consumer credit report by Discover Bank. It has come to my attention that the reported credit limits differ across the credit bureaus. XXXX reports a credit limit of {$0.00}, while XXXX and XXXX report a credit limit of {$2000.00}. This discrepancy is causing significant damage to my credit report, as the reporting of a XXXX credit limit with a {$430.00} balance is misleading and detrimental to my creditworthiness. Therefore, I demand the immediate correction of this inaccurate credit limit reporting. 
The current reporting of an incorrect credit limit on my consumer credit report is resulting in negative implications for my creditworthiness and causing me harm. It is crucial that this inaccurate information is promptly updated to reflect the correct credit limit, as this discrepancy is causing significant damage to my credit report and potential denials on credit applications. 
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you promptly investigate this matter and take immediate action to correct the credit limit reporting on my consumer credit report. The reporting should accurately reflect the correct credit limit associated with my account.
Product: Credit card

I opened an account online through XXXX and purchased a bag of dog food thinking this would be a good way to build my credit. I never received a card or a single piece of mail. After requesting it be sent multiple times I actually purchased a po box to try to receive the card. When I called Commenity Bank to update my address they did not tell me at that time they can not send cards to a po box and updated it anyway. To this day I still have not received a card, a statement, or anything showing my account information or where/how to make payments. I have called multiple times asking to pay the actual balance and take off the late fees and been vehemently denied. This is fraud. This is ruining my credit and is completely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently looking to make a business investment and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX - XXXX... 
XXXX - XXXX... 
XXXX - XXXX... 
XXXX - XXXX... 
XXXX OF XXXX - XXXX... 
XXXX XXXX - XXXX... 
XXXX - XXXX... 
BANK XXXX XXXX - XXXX... 
XXXX - XXXX... 
XXXX - XXXX... 
XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Product: Credit reporting

i contacted XXXX on XX/XX/2017 about my account showing {$80000.00} were as just last month balance was {$79000.00}. There customer services rep said it was XXXX is what he see. my question to him was why on all XXXX credit report it showing the XXXX. He gave me a fax number which i fax to XXXX and they still refused to correct. the real question is who at XXXX trying to subitise my credit. this XXXX is more then what i started with after my modification. in the last 18 month never miss a payment and the payment goes up. please make them correct because its over my limit i started with and having a affect on my score.
Product: Mortgage

I had requested an early cancellation of my Primary Mortgage Insurance ( PMI ). This request was initiated in XX/XX/XXXX. At this point, Chase sent me a letter with XXXX XXXX as the primary investor on my conventional loan stating that an appraisal was required to ascertain value/loss of value in the home. The purchase price in XX/XX/XXXX was {$320000.00}. The appraisal value returned on XX/XX/XXXX at {$350000.00}. At this point, my LTV % was 79 %. Chase/XXXX XXXX DENIED my PMI Cancellation stating that the actual number was needing to be 75 % or less LTV. They are not stating facts clearly, or fairly. I requested Chase to send me terms of cancellation after 5 years ( which I cross my 60th payment on XX/XX/XXXX. They are demanding a new appraisal, AND STILL will not tell me CLEARLY what requirements need to be met in order for them to agree to cancellation of PMI. The appraisal is greater than 120 days ( just barely ) but they will not honor it, instead DEMANDING a new appraisal at MY expense.
Product: Mortgage

I want to convert a portion of my CitiBank HELOC to a fixed rate loan in accordance with paragraph # XXXX of my original HELOC document dated XXXX XXXX, 2006. 
I am writing to you after spending many weeks communicating my request with CitiBank staff and supervisor representatives in far-flung parts of the world. I have had in-person office meetings with my local CitiBank Loan agents and CitiBank branch managers to discuss my desire for converting a portion of my current HELOC loan. On every occasion I am referred to another CitiBank employee ( phone # ) who either has no knowledge of the criteria used in calculating the rate I will be charged on the $ XXXX amount I wish to convert, OR, the representative contradicts another employee 's explanation of how the rate is derived. All employees refuse to document their statements or provide a written estimate of fees and interest rate charges for the converted loan amount. 

Paragraph # XXXX of my original HELOC document dated XXXX XXXX, 2006 reads : " ... The Annual Percentage Rate for each Converted Balance is fixed and will be determined by the value of an index. We will take the index in effect on the date the Converted Balance is established by us and add a margin. The index we will use is the Federal Reserve Statistical Release XXXX " Selected Interest Rates '' Interest Rate Swaps ( 7 Year ) .... '' My current margin is XXXX %, The current index value is 1.51 %
Product: Student loan

I have contacted the ombusperson, and MyFedLoan ( current servicer ). I explained that there are payments that were made prior to my loans transferring from XXXX XXXX XXXX to my current loan servicer that are not recorded anywhere. I was able to obtain a record of at least one payment made in XXXX on my XXXX credit report that is not reported by the Dept of Ed ( they claim I did not enter repayment until XXXX which is incorrect ), showing evidence that the records of my prior payments made when my loans were under Direct Loan Servicing are incomplete. Given that I have been employed as a public service worker ( nurse, now nurse practitioner ) since XXXX for the same employer and my XXXX and XXXX plans are dependent on the number of payments made ( rather than the number of years given in service ) I require accurate records of my payment history. I was also placed on incorrect repayment plans in the past in error by my prior loan servicer. This is unacceptable at best, and fraudulent at worst. 

XXXX XXXX
Product: Debt collection

I have already got this XXXX phone bill delete off my account last year Becuase its not my account a years later its back with a different company name i need this off my account because its doesnt belong to me XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXXXXXX XXXX CHARGE OFF. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights AND HAVE COST ME CONSIDERABLE AMOUNTS IN CREDIT APPROVALS. I am demanding a DELETION of the following accounts : XXXX : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX XXXX BANK XXXX Equifax : XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Student loan

Submitted PSLF buyback request and it has been over 45 days and no response.
Product: Credit card or prepaid card

American Express closed my worker 's card in an arbitrary, capricious and XXXX. 
Because of this, I have demanded that American express refund my annual fee. 
I did it via a phone call to Amex customer service at around XXXX Pacific Standard Time on XX/XX/2022. 
Amex refused my request in the following manner : ( i ) customer rep XXXX ( who said he was based in XXXX ) insulted me by calling me a XXXX without any reason ; ( ii ) XXXX, a customer service rep in XXXX, North Carolina, with phone ID XXXX, insulted me by laughing at me and saying that I was talking funny. This was offensive and XXXX towards myself, an XXXX in the US with an accent. 
( iii ) XXXX ' supervisor XXXX XXXX in XXXX, North Carolina : ( a ) refused to refund my annual fee ; ( b ) refused to apologize for XXXX calling me a XXXX and for XXXX telling me I was funny ( c ) Insulted me by telling me that the things that I was saying were funny. 
( d ) refused to say why the credit card of my worker was closed Since Amex closed my worker 's card they must refund my annual fee. 
American express should also stop being XXXX and apologize to me for XXXX insults.