23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My fatherboat a car in XXXX and financed it through Chase Bank, my father got sick during the pandemic and lost everything financially, he had no choice but to file bankruptcy, the bankruptcy was filed XX/XX/XXXX and XXXX XX/XX/XXXX through the bankruptcy court my father requested a reaffirmation agreement which was never given to him, I was away in college and my father wanted me to keep the car, the car was originally a lease in XX/XX/XXXX and when lease was over my father bought the car outright so he financed it through Chase bank at the dealership, since I was away at college my father asked the dealer can we register the car in both names for insurance purposes and the dealer said yes no problem, so now I've graduated college and have a great job as a mortgage broker with a large company, I passed all background with them and took my state Exam and passed now I'm being denied appointments because the car is showing up on my credit report as charged off closed account with a balance of {$23000.00} and me as a, cosigner but when I pulled my credit reports its not on them, I never cosigned i was away at college, my father didn't request I'd be a cosigner just added to the registration, my father sent payments in which were never honored, he request come get the car, they haven't and when I asked which credit bureau they said XXXX but it's not on my XXXX, so I can possibly lose my career if this remains on my report, it's not fair to me and especially when my father tried at least 20 times since the discharge and never got a single response, but i honestly don't know if its an error because of the name or what, but I'm asking, pleading for your help, it's hard enough to come out of college and be fortunate enough to get a job and lose it because of an error on my credit report.
Product: Mortgage

I 'm filing a complaint against Chase @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX and XXXX XXXX XXXX, XXXX. @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, for wrongfully and illegally foreclosing and selling of my property @ XXXX XXXX XXXX, XXXX, TX XXXX on XXXX XXXX, XXXX. Both were given a copy via certified mail, of a Land Patent that has been brought in my name, and therefore they do n't have the legal authority to sell my property. A Land Patent is the  only form of proof of absolute title to land/property in the United States of America. Since neither has title to my property, how can they foreclose or sell the property? Also, in the case of foreclosure by a bank, the law is on the books today which says that any debts, which lie against the land, that existed prior to the land patent being issued, are removed from the land. There still may be a debt owed, but my house/property is off limits, lawfully. 

On XXXX XXXX, XXXX, I requested from chase the original wet ink signature copies of the Promissory Note and Mortgage/Deed of Trust in order to prove that Chase has the legal authority to foreclose on said property. I 'm challenging the debt that Chase claims I owe. I have demanded proof of standing to collect or foreclose and of the debt owed to Chase. To this date, I have not received any requested documentation of proof from Chase and therefore demand that Chase and their attorney immediately stop the sell of my property on XXXX XXXX of XXXX. 

I also challenge that I may not have received an actual loan, since the bank 's account was never debited, and my account was never credited, makes the loaning of credit only unlawful. All monies and interest that repay the mortgage are pure profit to the bank. Plus with the fact that the Promissory Note that I signed was sold without my permission, my mortgage debt to them is actually paid in full with that note. Therefore, non-disclosure by the banks, created by the bank of these important facts can be legal grounds to have my mortgage taken off the books and forgiven.
Product: Student loan

I was approved for the XXXX plan by Nelnet, but the company has not provided me with the information needed. They continue to ask me to take action to be enrolled, but will not tell me how much I owe under the XXXX plan nor the due date. In the meantime I continue to accrue interest at the standard rate, which is an undue burden according to the Department of Education. 

Attached is the letter I received on XX/XX/XXXX saying " The one-time Reduced Payment Forbearance payment amount you chose is. The payment is due on. '' Also attached is a screenshot of an alert I get when I log onto Nelnet saying action is needed and to refer to the letter that has incomplete information. Call wait times continue to be too long for my schedule, and none of my emails asking for help from Nelnet have been answered.
Product: Debt collection

In connection with the latest complaint ( XXXX ) the consumer has also found more discrepancies regarding the agreement of a credit sale within the Code of Federal Regulations. 16 CFR 433.1 Falsified character amounts on previous billing statements that have reflected a positive balance, On contrary Ally stated an amount was owed. This can not hold true as a negotiable instrument was presented by the debtor at the time of signing.

Ally and the consumer had an agreement incidental with a credit sale according to 16 CFR 433.1 Ally has not followed the Guidelines set in Regulation Z. During This Credit sale the consumer had given not one but 2 negotiable instruments My Credit card ( SSN ) and my Signatured ( Blank Endorsement ) Promissory note. I have not received any equity in this transaction, I was not Notified of an UCC-1 Lien paperwork holding security interest over the asset, and I have be coerced into deceivingly handing over legal tender not lawful money ( Gold and Silver ) as Ally has illegally Accepted it in connection with the alleged debt collection of this account. 

Ally Had adverse action towards the consumer by illegal repossession of the vehicle.
Product: Mortgage

This mortgage was recently transferred from XXXX ( XXXX XXXX XXXX XXXX ) beginning XX/XX/year>2025. Upon transferring my loan, all of my payment history was erased. My Payments were lost in transition. Before the transfer, I was making biweekly payments. The last payment to them was not transferred, and I was told by M & T bank that I had missed a payment and was about to be sent to collections. Putting my good payment history into jeopardy. 

I contacted M & T in XXXX to inquire about the payment and was told by a customer service Rep that my payment was misapplied and she worked hard to make corrections. However, after speaking with her the next month, my payments continued to be misapplied and still are today. When I previously spoke to the Customer Service Rep who assisted me, I was told that I needed to enroll in a flexible mortgage payment plan, which I did while on the line with her. 

Upon contacting them today, I was told that they do not have a biweekly program and that they would not ever have such a program. Her comments were both unprofessional and unhelpful to me as a customer. 

The purpose of enrolling in the program was to keep my account in good standing and as a strategy to pay my home sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Please remove these addresses that I have never lived or belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX HWY XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Checking or savings account

I ordered a auto part from XXXX XXXX XXXX. They told me the item would ship by end of day they gave me a XXXX  tracking but item was never shipped. I have email stating it would ship. Upon further evaluation I realized that the two address of the company out of XXXX were fraudulent. One was a house and the other was a place where people can work individual for a fee per month. none were a Wearhouse to ship auto parts. Upon further review the company has a F rating with the XXXX XXXX XXXX. I disputed the transaction with Wells Fargo and asked for temporary credit due to financial hardship. I need the part to get my car fixed. But Wells Fargo has claims open for me from over a month ago. I really need the credit to buy another Autopart
Product: Debt collection

Charged Off Account Requesting copy of 1099c for the charged off debt, for income tax purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account 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

I am filing a formal complaint against the following creditors for failing to provide a Form 1099-C ( Cancellation of Debt ) within the legally required timeframe after my request. Additionally, because these creditors have failed to comply with IRS regulations, I am formally requesting the removal of these accounts from my credit report due to noncompliance and failure to validate or properly report the debt cancellation. 

XXXX. XXXX XXXX ( Account XXXX XXXX XXXX {$3000.00} ) Creditor Name : XXXX XXXX Account Number : XXXX Original Balance : {$3000.00} Charge-off Amount : {$3000.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days XXXX. XXXX XXXX ( Account # XXXX - {$1800.00} ) Creditor Name XXXX XXXX XXXX Account Number : XXXX Original Balance : {$1800.00} Charge-off Amount : {$1800.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days XXXX  XXXX also sent a letter confirming that they sold the debit to XXXX XXXX XXXX, XXXX and continued not doxument it accurately ony credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


after this incident I no longer have peace there are many calls with offensive words that I am receiving daily I received many threats I am afraid to go out on the street because of these threats
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, XXXX XXXX have not reported accurately hard inquiries, score, & has claimed high credit balances that are erroneous to deny customer a higher score
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion online because they advertise a '' free credit report ''. I checked my bank credit card on XX/XX/19 and they are charged me XXXX a month and it says its a recurring charge XX/XX/19 XX/XX/19 -TU *TRANSUNION XXXX CA {$24.00} Merchant Info XXXX CA United States Merchant Category CONSUMER CREDIT REPORTING AGENCIES Recurring Transaction. yes
Product: Credit reporting or other personal consumer reports

To whom it may concern, According to 15 U.S. Code 1666b- Timing of the payments, these late payments are not valid and also are inaccurate due to how they are reporting the late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This information is not accurate and is a violation of my consumer rights. 


15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 



15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : XXXX ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
XXXX ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closing XXXX Asset Amount : {$0.00} Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Liability : {$0.00} Exempt Amount : {$0.00} *5 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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

this negative item does not meet the XXXX reporting requirements. i do not recognize how and why it is reporting delete immediately
Product: Credit card

I made a purchase for {$110.00} on XX/XX/XXXX. I did not recognize the merchant on my bill and called Citibank to verify the merchant. I was told the charge was from the XXXX XXXX XXXX XXXX of Courts. I did not make a charge to the XXXX XXXX XXXX XXXX XXXX so I disputed the charge and the charge was credited to my account. After further investigation I determined that charge was actually to a wine merchant that I recallled making a purchase from. The original credit was made by Citibank on XX/XX/XXXX. The credit was reversed on XX/XX/XXXX after I notified Citibank that I acknowledged the charge and was dropping the dispute. The charge was reversed again on XX/XX/XXXX. I spoke with Citibank on multiple occasions about the double reverse charge and they acknowledged the double reverse and said my account would be credited. I spoke with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. All representatives acknowledged the double reverse and said my account would be credited. The {$110.00}. To date my account has not been credited. This problem is purely the result of customer service at Citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

MS SERVICES LLC, acct.no.XXXX, A collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner according to the banks disclosure booklet, resulting in more than 10 @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business cutoff, and taking their time to credit the deposit which paid overnight, the unscrupulous bank self-generated about {$350.00} dollars in fees.FEDERAL RESERVE GUIDELINES FOR HOLDS WERE NOT FOLLOWED SO THAT THE BANK WHICH RECEIVED A DEPOSIT THAT PAID IMMEDIATELY COULD SELF-GENERATE XXXX DOLLARS IN FEES.THE ERROR PRONE, UNSCRUPULOUS BANK HAS NOW TURNED THEIR ILLICIT GAME OVER to the collector, MS SERVICES LLC who credit damages me in their extortion attempt.
Product: Credit card or prepaid card

Capital One failed to comply with my request. when they responded Capital one failed to validate the alleged debt. they included that my account with them is under Truth In Lending on Page 6 of their response. they failed to comply with all the request like my validation of debt pursuant to XXXX5 usc 1692g they have to send that information. they are acting as if they have any legal recourse to take against me with made me feel harassed and abused pursuant to 15 usc 1692d they failed to pay the invoice i sent them and zero out my balance on that account. My account was opened from my open-end credit plan pursuant to Truth in lending ( Regulation z ) Capital One is agreeing to cease and desist but not comply with the rest of my request. I know they have been acting as a debt collector and have to follow the Federal law as it was written. this is under mining my confidence in the banking system. Capital one cant take any legal action against me pursuant to 15 usc 1692i ( b ) debt collector cant use any part of the consumer protection act to bring harm to me. If I were to pay the alleged debt they claim that i owe that would put them in clear violation of Truth in lending Act 15 usc 1602 ( p ) because i would have received no benefit from using the card.
Product: Debt collection

XXXX XXXX is reporting two accounts that are inaccurate 1. {$3100.00} XX/XX/XXXX XXXX XXXX. {$430.00} XX/XX/XXXX I sent multiple letters to this company regarding inaccurate reporting and this company is still displaying different dates of last activity per bureau. The accounts are different throughout.
Product: Credit reporting 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 XXXX 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 XXXX 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 which is 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that the ONLY permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) court order. 
The following inquires are related to none of the aforementioned permissible purposes. 
XXXX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX