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

Dear CFPB Representative, I am submitting this formal complaint regarding the **unlawful repossession** of my XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ** by XXXX XXXX and XXXX XXXX XXXX, in violation of federal and state consumer protection laws. 

# # # **Incident Summary** On XXXX XXXX, XXXX, my vehicle was **wrongfully repossessed** from the **XXXX parking lot in XXXX, XXXX XXXX, while I was **inside the store**. I was **not notified** of the repossession beforehand, and I only learned about it from bystanders after the vehicle was taken. 

The repossession was conducted by **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ** at the direction of XXXX XXXX XXXX Despite multiple attempts to obtain clarification and documentation regarding the repossession, both entities have **refused to provide a written explanation**, failed to show proof of the required **Notice of Default and Intent to Repossess**, and have denied me a fair opportunity to reinstate my loan. 

# # # **Impact of the Unlawful Repossession** This repossession has caused **severe hardship** due to my **medical condition, disability status, and financial obligations** : - **Medical Needs : ** I recently **XXXX XXXXXXXX XXXX** and require ongoing medical care. The vehicle is essential for my **doctors appointments, treatments, and therapy sessions**. 
- **Disability Protections ( XXXX Violation ) : ** I suffer from *XXXX XXXXXXXX, and XXXX XXXX ( XXXX ) **, which qualify as XXXX under the **Americans with Disabilities Act ( ADA ). ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX are also ADA-protected** and rely on the vehicle for medical and daily living needs. XXXX XXXX failed to offer a **reasonable accommodation** before proceeding with repossession. 
- **Employment Impact : ** I recently secured a **new job** and **depend on the vehicle for transportation** to work. The repossession has jeopardized my ability to fulfill my job responsibilities and maintain financial stability. 
- **Lack of Due Process : ** XXXX XXXX XXXX*never provided a legally required Notice of Default or Intent to Repossess**, which violates my rights under consumer protection laws. 

Conclusion This repossession was **conducted without proper notice, in violation of consumer protection and disability rights laws**, and has caused **significant harm** to my health, employment, and family. I request that the CFPB **intervene immediately** to prevent further damage and ensure that my legal rights are upheld. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at XXXX or XXXX if further information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regard to my previous CFPB complaint XXXX beginning with acct # XXXX, I exercised my God given right to cease all communication about this alleged debt. I am refusing to pay this alleged debt ( see attachment ). You stated that the account was secured with collateral using saving from my Credit Builder account. I am aware that federal reserve notes are the United States form of currency but it is not money. And legally you can not pay debt with debt notes. According to HJR 192 of 1933 this act removed the ability to of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. I am going to need all payments returned in a check or money order to my place of abode immediately. If not you will be violating 15 U.S. Code 1692h. You stated that statements were uploaded to the account. Statement does not clarify this billing error. A validation of debt is requested and I will need this within 5 days of this complaint. ( See Attached ). You stated in the response that I need to contact the credit agencies directly for their specific reporting guidelines and that the information has been reported correctly and can not removed from my credit report. I am aware that a financial institution may not disclose non public information to non affiliated third-parties. Also since I was never given an option to opt out of such reporting this is my written consent to opt of credit reporting for account beginning with XXXX. Also I never gave consent of reporting this alleged debt, which is known as debt parking. If my instructions to opt out of credit reporting for this account can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15. U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15. U.S. Code 6823 ( a ) to fines under title 18 U.S. Code 3751 with fines up to 500,000 for a felony by an organization.
Product: Checking or savings account

Theres banks on my consumer like XXXX  XXXX and XXXX Ive had 2 banks My entire life
Product: Credit reporting or other personal consumer reports

These tenant screening companies are reporting an alleged eviction. I would like to know how this information was obtained.
Product: Mortgage

I mailed the XXXX XXXX XXXX, my negotiable Instrument to " set-off '' this debt and other requests, via registered mail ( # RR XXXX XXXX XXXX XXXX ). It was delivered on XX/XX/XXXX  @ XXXX, per USPS tracking. He has REFUSED to set-off this debt, as stated by law, UCC XXXX XXXX if an attempt to tender payment is done in good faith, and refused, then that amount attempted to be tendered, is discharged from tbe principle of debt! He is an evil person, I have sent many requests to this man, and never receive what I request. I have been requesting these things since XXXX. And I have no idea why he will not tender my security. Please help! Now they are threatening me with foreclosure!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX ) XXXX Balance : {$450.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I submitted a previous complaint : Ref Number XXXX The company who is handling my student loan ( RAB Inc ) said the dispute was resolved and it is not. They admitted to me by phone that whomever they bought my loan from finally gave them the records that I was always on time with my payments and not in default. My credit was extremely adversely affected by no fault of my own. Bringing my credit score from XXXX to XXXX. I want RAB Inc to submit a letter to me saying that they will take the derogatory marks off my credit through all XXXX bureaus immediately. I want a letter in writing. This company is ridiculous.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5000.00} U S DEPT OF ED/XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$5100.00} U S DEPT OF EDXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

Reference Case number : XXXX Account number ending XXXX Closed Charged off. I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX. This letter was pertaining to fees that were charged per the letter " when a restraint was present on the account. Per the letter, " the restraint may have prevented deposits to and/withdrawals from the account ''. Per the letter, " As a result we ( XXXX XXXX ) are enclosing a check for {$730.00}. The letter had a contact number that I called in between XXXX XXXX XXXX. I spoke with XXXX at XXXX ( XXXX ), she directed me to call XXXX XXXX at XXXX, I spoke with XXXX XXXX XXXX XXXX customer service agent ), he offered me an additional {$500.00} for the inconvenience, but I declined. XXXX XXXX incorrectly reported that the closed checking account ending in XXXX with a balance owed, thus, damaging my XXXX XXXX. I believe that I am entitled to relief, for each XXXX ( XXXX XXXX XXXX ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I ampunitive damages due to gross negligence. I have spoken to a number of Executive Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to EWS ( Early Warning Services ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to EWS ( Early Warning Services ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB levy a substantial fine against XXXX XXXX and satisfy the open invoice as it relates to my research of this claim.Both XXXX XXXX XXXX XXXX along with EWS ( Early Warning Services ) have violated my rights- In accordance with the fair credit Reporting act XXXX Account XXXX XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Recently I contacted Bank of America in an effort to refinance my house and get out of the ridiculous rate of interest that I was currently paying on my first mortgage and my home equity line of credi t. (  8.625 % ) 4 years ago, I got divorced and went from a  XXXX  family income to a single person income, and I fell behind in my mortgage and home equity line of credit payments, but eventually caught up and have made both payments regularly fo r four y ears now. Due to the fact that four years ago Bank of America issued me a foreclosure letter on my current property, but nothing since then, I was refused a " Cash Out '' refinance option that would allow me to roll the first and second mortgage into  XXXX  and reduce my interest amounts considerably. When I asked my agent to provide me with the reasoning behind why I did n't qualify for the " Cash Out '' option instead of just qualifying for refinancing the first mortgage, he stated that because I had received that foreclosure letter four years ago, that according to Bank of America 's guidelines, I did n't qualify for combining the first and second mortgage. I asked the agent that I was working with to provide me with a written explanation of why I did n't qualify for the combined mortgage option, and he told me, " Bank of America 's legal team advised him against sending me anything in writing to why I was n't being considered for the " Cash Out option. '' He also stated to me, " since I was being considered for the refinance of just the first mortgage, that Bank of America does n't send out explanations unless the loan for which you are currently being considered is n't approved. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have alerts on my credit report that prevent unauthorized requests hard and soft. Ive had it for over 6 years. My Credit report shows no delinquency in the past 6 plus years, no charge offs, however within the last 2 years have been denied consumer credit services by Equifaxs reporting information as having the following : Key factors that affected your credit score were as follows : Key Factor 1 SERIOUS DELINQUENCY Key Factor 2 % OF BALANCE TO CREDIT LIMIT TOO HIGH ON REVOLVING ACCOUNTS Key Factor 3 PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH Key Factor 4 NUMBER OF ACCOUNTS WITH DELINQUENCY Because 3 out of the 4 factors were alarming and a shock, I checked all credit reports agency for to verify - Loans, I only have 1 active car loan and its reported as paid and on time ; I have Student Loans which are under PLSR but deferred because Im actively in school ; the consumer credit cards that are actively open are all paid and on time and have not delinquent for over 6 years. Theres no option to dispute credit discrimination other than using this outside source. Equixfax only offers dispute of what is currently showing on the credit report and not what they are basing their decision on. If the decision is based on the facts above ; this is inaccurate and i would like for them to provide proof of the said factors used to deny. For the purpose of repairing my credit, I have limited and I enacted financial responsibility to assist in rebuilding and repairing my credit worthiness for 6 years plus time. I believe this is credit discrimination. 

There is no reason for said response to consumer credit requests to be a denial based on the factors they listed other than the factor listed as proportion of loan balances to loan amounts to high. 

This isnt the first incident that this has occurred this is just the final incident that has caused reasonable suspicion that financial discrimination is occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with a company by the name of XXXX XXXX, in XXXX, California. 
Their shady and legal business practices include but are not limited to, calling references and revealing what the nature of their call is, calling work place multiple times, etc. 

I included this loan in my Federal Bankruptcy, that was charged off fall of last year. 
This file and loan was to be reported to {$0.00}, which it eventually was. 
They edited my file this week to show the account is open and listed payments deferred due to natural disaster-COVID19. I called and informed them legally this cant happen, the loan was discharged about inquired why theyre fixing their books to show more loans than they have to qualify for covid assistance from the government and I was told to prove it.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I notice I have fraudulent accounts on my credit report. I want the fraudulent account to be remove from my credit report immediately because it hurt my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan information appears on my report. The amount has been offset with my Federal Tax refund. In looking at my credit report this student was opened in XXXX I graduated from the school in XXXX. Big discrepancy. How can a loan be granted when I was not in school and had already graduated. This loan has been on my credit for years and now I see it was opened after I was already out of school.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Transunionis violating the Fair credit reporting act laws. I am requesting monetary relief. 

XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] I HAVE A RIGHT TO PRIVACY. 

XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I DID NOT GIVE Transunion ORAL OR WRITTEN PERMISSION TO PUT A BANKRUPTCY ON MY CREDIT REPORT NOR WAS I NOTIFIED WHEN THE BANKRUPTCY WAS PUT IN MY REPORT. 

XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ]. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing ANY of the following items of information : ( XXXX ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 


XXXX. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] THIS BANKRUPTCY WAS NEVER DISCLOSED TO ME. 

XXXX. Compliance procedures [ 15 U.S.C. 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 REQUESTED XXXX TO CHECKED THE ADDRESS THAT WAS REPORTING WITH THE BANKRUPTCY TO VERIFY THE IF THE BANKRUPTCY WAS MINE. XXXX DID NOT VERIFY THE ADDRESS. 

XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 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. 
AS YOU CAN SEE THIS BANKRUPTCY SHOULD NOT BE REPORTING DUE TO INACCURATE INCOMPLETE AND CAN NOT BE VERIFIED BY ITS ADDRESS. 


XXXX. Requirements on users of consumer reports [ 15 U.S.C. 1681m ADVERSE ACTION WAS TAKING WITHOUT NOTIFYING ME WHEN THIS BANKRUPTCY WAS PUT ON MY CREDIT REPORT.
Product: Credit card

AMERICAN EXPRESS ALLOWED A CARD TO BE OPEN UNDER AN OLD BUSINESS I HAD. I DIDNT SIGN ANY DOCUMENTS OR GIVE PERMISSION TO OPEN THIS ACCOUNT.
Product: Mortgage

We generally pay our mortgage at the end of the every month, the month prior to when it is actually due. We do this to ensure that it is on time. So, we payed XXXX 2013 mortgage in XXXX 2013. In XXXX 2013, my mortgage provider transferred my loan to a new service provider. We paid our XXXX 2013 mortgage to the new service provider as directed. However, they told us that we were one month behind because they did not receive our XXXX 2013 payment. We told them that it was paid to the old service provider and they said they would research it. Finally after many phone calls, they confirmed that my XXXX 2013 payment was paid. However, then they started saying that that other payments were late. Every time I talk to the representatives by phone they give me a different story. One representative will say one thing and another representative will say something completely different. The reason that I have endured so long with them in trying to get the problem fixed is because I know with 100 % certainty that I have made all my payments on time and believed that they would recognize their error and correct it. To date that has NOT happened. I have made my payments on time and have records that prove I 've made these payments to include bank statements which shows that the mortgage company cashed every single check. The mortgage company representatives have given me the " run around '' year after year citing one reason or another that my account is past due. Again, I have five years of records proving that I have not missed a payment and that my payments were made on time. The mortgage company has called me at work repeatedly and reported adverse information on my credit report. After years of trying to get this straightened out, I have finally reached my limit with them which is why I am filing this complaint. The mortgage company has caused me both financial as well as emotional distress and it must end.
Product: Checking or savings account

I had multiple unauthorized charges and then one day they took my card for me for a full year! Ive been banking for over 15 years with Wells Fargo. Just recently I had an order that never was received and cant contact the company so I called my bank to reverse the funds. 3 months later the money was taken back out and still no outcome to resolve this. Even before they reversed something saying I recieved double credit from something on XXXX which was like {$300.00} and I didnt and it never got resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS THREE TIMES WITH 40-60 WAITING PERIODS IN BETWEEN EACH INQUIRY.

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE NOTE THAT I HAVE ONLY UPLOADED ONE RESPONSE RECEIVED BY THE BUREAUS, EVEN THOUGH I ATTEMPTED TO REACH THEM THREE OCCASIONS. 

PLEASE INFORM THIS CREDITOR THAT, IF THIS MATTER IS NOT RESOLVE WITHIN REASONABLE TIME AFTER THIS CORRESPONDANCE, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Addressed This Situation Multiple Times Of Unverified  Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation  #1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation #2  Also The Law Fcra Section 611 Part(A)(1) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation #3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On June 9Th 1997, Filed (D.C. No 95-Cv-01743). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS :

SHOWS ON ALL 3 BEAURUS:
 XXXX XXXX XXXX       XXXX

SHOWS ON EXPERIAN AND XXXX:
-XXXX  XXXX XXXX XXXX
-XXXX XXXX XXXX XXXX
-XXXX XXXX XXXX XXXX
ONLY SHOWS ON EXPERIAN
-XXXX XXXX XXXX
ONLY SHOWS ON XXXX: 
US DEPT ED
XXXX