23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

PLS suggested to me to get one of their debit cards to hold my money on because it's safer I don't even think it was a day later I lost about {$3500.00} off of my card in about {$500.00} increments while i was sleeping when i noticed i called them stopped card and got a new one. They said no problem they would investigate it and refund the money. They investigated and never refunded the money. I asked them why and asked for a copy of my statement of all of the transactions I've never been able to access my online statement or their APP. But I didn't recognize any of the names on the statement. I filed a rebuild 5 times they finally claimed they just received my rebuttal after 5 times and now they are stating they need any supporting documentation whatever that means if it is a police statement they are talking about it's probably a little late for that seeing how it's been 2 months and they never said anything about needing any police statements then I'm not sure what it is they need. I'm a single father of a XXXX yo I just turned XXXX and this money that came up missing is a grant I received because I just found out I had got XXXX right around COVID I was trying to start a business to get myself off of social security because it doesn't pay well enough to survive. My statement PLS send me of all of the transactions are non legible starting on the day the money started coming up missing the names of the people who accessed the money names are double printed over so that I can't read who or what the charges or withdrawals are from. It almost looks as if it's an inside job. I only had the card 2 days before this happened. I've got all kinds of banking institutions and I've never had any instances happen like this. I'm running out of time on this rebuttal and seriously need help. I'm trying to reinvest this money so that I can take care of my child.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making on-time payments to Avant since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested Avant to stop auto-pay since I was severely affected but Avant still tried to process and take money form my bank account which did not have any money in it. I again contacted Avant and requested for a relief that was granted but Avant still reported late payment to credit reporting agencies. I contacted Avant and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.
Product: Student loan

I signed up for a private student loan for Chase Bank at the age of XXXX to cover my education expenses. Of course at that age I was extremely naive to the drawbacks of a private student loan. Years latter I received a call from Chase Bank telling me that the loan totaling {$21000.00} was due in full immediately. The gentleman I spoke to was extremely rude and told me that there was no way to pay the loan back in installments or a payment arrangement. He told me that the only way I could resolve this matter is by somehow coming up with the full sum of the loan and pay it back immediately. I found this odd because I am still in school and was under the assumption that the loan would be payed back upon graduation and through a payment arrangement like a traditional student loan. Now the loan has defaulted on my credit report, ruining my hopes of establishing credit and owning a home. If Chase Bank would be willing to negotiate some type of terms I would be more the willing to start paying back what I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/2020 and the second one was on XX/XX/2020 same dealer ship XXXXXXXX XXXX XXXX XXXX  XXXX, Kansas Phone XXXX, I also did disputes on Trans Union, XXXX  and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.
Product: Student loan

On or around XXXX XX/XX/XXXX Key Bank instructed XXXX to place my student loan accounts into a CO status after Key failed to timely process a forbearance and notify its servicer and midstream collections agent. As a result, Key 's negligence caused disparate streams of information to be sent to both the borrower and co-borrower regarding the status of the loan accounts. These issues were brought to Key 's attention on or around XXXX XXXX XXXX  in CFPB complaint XXXX. I suggsted as resolution, " Rehabilitate the loans and send them back to XXXX for servicing with same interest rate ( s ) and under the terms of the original loan agreement with an N-month forbearance that brings the loan ( s ) current backdated to the time of first deliquency. Release my co-borrower after six ( 6 ) months of on-time payments. '' Key responded to XXXX writing in part " Please be advised that KeyBank complies with the provisions of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing any information related to a consumer that KeyBank knows or has reasonable cause to believe is inaccurate to a consumer reporting agency. Any negative reporting of the Accounts during the payment extension has already been corrected. Our review identified no errors occurred after the payment extension ended and the Accounts charged off. Thus, for that timeframe we are unable to update or remove the reporting on your consumer reports. '' The applicable portion of law that Key is referring to in their response is 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). However, what they did not mention was the provisions outlined in 15 U.S. Code 1681s2 ( a ) ( 1 ) ( E ) which outlines rehabilitation of private student loans. Key did not address the issue of loan rehabilitation in their response to XXXX and instead claimed for the requested period they were " unable '' to change any negative annotations in my credit file. The excerpts from the Federal Code are attached.
Product: Consumer Loan

Complaint regarding a Retail Installment Contract and Security Agreement dated XXXX/XXXX/XXXX assigned to United Auto Credit XXXX by a Virginia auto dealer named XXXX XXXX XXXX XXXX. The used vehicle secured under that contract, a XXXX Toyota Camry, has not operated since XXXX XXXX, XXXX because of failure of the XXXX Liter, XXXX cycle XXXX XXXX XXXX engine. Total Cash Sale Price : {$7900.00}. I paid {$2000.00} cash down at sale. Financed {$5900.00} under the Retail Installment Contract for 33 months at 24.99 % APR. The dealers XXXX XXXX XXXX as of XXXX/XXXX/XXXX listed Final Loan Value as : {$5200.00}. The current estimate given to make the Toyota Camry fit for use because of the required replacement of the engine is more than {$4000.00}. I have paid all payments due to date to United Auto Credit XXXX under the terms of the Retail Installment Contract. I have maintained full comprehensive auto insurance covering the vehicle, and United Auto Credit XXXX 's security interest in the vehicle, through XXXX XXXX Company. The terms of the Retail Installment Contract state : " Any Holder of this consumer credit contract is subject to all claims and defenses which the Debtor could assert against the Seller of goods or services obtained pursuant hereto or with the proceeds hereof. '' A XXXX XXXX XXXX Bulletin, dated XXXX XXXX, XXXX for the Model XXXX engine, entitled " Engine Oil Consumption '', states, in part : " The piston assembly has been changed to minimize oil consumption. '' The dealership represented at the time of the XXXX/XXXX/XXXX sale that the XXXX engine was " brand new ''. The dealership knew at the time of sale that the piston assembly repairs required in the XXXX XXXX XXXX Bulletin had not been made to the engine. The Seller knowingly misrepresented the condition of the engine component on the Toyota Camry and knowingly misrepresented the value of the security interest in the vehicle for the Retail Installment Contract and Security Agreement.
Product: Credit reporting or other personal consumer reports

Take this complaint seriously, it is absolutely stressing me out and making me anxious on how could this happen. These companies pulled up my credit report without my authorization nor consent. I do not recognize these inquiries nor have applied for these.
Product: Credit reporting or other personal consumer reports

This account was charged off : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), on Transunion it is ( XX/XX/XXXX ) and on XXXX, its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit card

I used my Chase bank card to make a purchase using layaway for a puppy that I was to purchase in good faith. I paid XXXX for the layaway and I signed the contract that noted no refund. However, after my XXXX XXXX XXXX dog passed away 7 days later I went to go see the puppy that I placed in layaway and the dog was covered and smeared with urine so bad that the stomach was yellow. They had moved the dog to the back area since I was going to purchase and it was kept in unsanitary conditions according to my observation of the puppy. When I saw how filthy the puppy was I decided not to make purchase due to the XXXXiseases dogs can catch from other dogs urine called Leptospirosis. Remember I had just lost my other dog. I told the company I did not want the dog and that I would contact the bank. The company XXXX XXXX told me we don't give refunds. So I contacted Chase and they were assuring me that it would not be a problem in getting my money back after explaining this. In fact they gave me a temporary credit of the amount back to the credit card and in XX/XX/year> they reversed it back by charging me for the item. I never took the puppy, the puppy stayed at the business and I disputed the charge and Chase refused to give me my money back because they said I signed the contract. However, due to the defectiveness of the product not being as I observed it when I placed item on layaway I wanted my money back in full. I have disputed numerous times and they still refuse. I do not feel like Chase protected me after losing my other dog, I was going through grief considerably. I want my refund!!! The bank has copy of everything, I do not have any copies. It was purchase XX/XX/year> at XXXX XXXX for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( n ) the information is, in fact, inaccurate. 

I can go on and on. 
The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this NOW! They keep responding within one day of receiving my complaint, so I now feel as the consumer they are doing this to buy time and avoid from removing those discrepancies and in accuracies from my report. Can you please help. This is now a Demand Complaint.
Product: Mortgage

I would like a direct answer to my question be provided by Wells Fargo which to date has been dodged for two complaint rounds. 

What payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? 

In Wells Fargo 's response to complaint # XXXX XXXX XXXX XXXX  : " You've continued to assert there was no payment delinquency. There is no evidence to support your assertion. '' Wells Fargo needs to answer my first question what payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? 
After the missing payments are identified, by Wells Fargo, then it will be up to Wells Fargo to provide evidence that I did not pay the missing payments. 

Note that the market rate value of XXXX XXXX XXXX, XXXX NY XXXX is valued atXXXX XXXX {$650000.00} $ XXXX : as of XX/XX/XXXX. 



Wells Fargo stated in their response to my complaint # XXXX the following : " Regardless of whether you provide additional information, we are outside of the regulatory mandated timeframe in which we must respond. '' Is it Wells Fargo 's intention to be uncooperative within the CFPB complaint process? I have a question about the XX/XX/XXXX letter Wells Fargo inserted in their online response where it is stated " Our records indicate that your loan is in default for failure to make payments due. '' I disagree with that assertion and it is a desperate attempt by Wells Fargo to use their letter to distract from my research which proves there was no payment delinquency or justification for a payment increase. Since Wells Fargo has introduced this letter, the burden of proof of missing payments is on the bank. What payments were missing? Wells Fargo mailed me a letter dated XX/XX/XXXX which included an attached check for {$200.00}. Wells Fargo admitted an error may have occurred We apologize for any inconvenience this caused. Since Wells Fargo has admitted an " error '' had occurred '' and provided a check for financial acknowledgement, the error qualifies me under Section 28 of the Consent Order as a victim. Unfortunately, the {$200.00} check is not an acceptable amount to make me whole and will not be cashed. It is woefully inadequate to compensate me for the loss of my home which has a current market value of {$650000.00}. In addition, under Section 79 of the Consent Order, Wells Fargo agreed to help the Bureau determine the identity and location of, and the amount of harm sustained by, each Affected Consumer. Is Wells Fargo going to comply with the Consent Order and formally declare me as a victim to the CFPB Enforcement Officer?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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.

I need this information below. If you can not provide this information please delete these accounts from my credit report.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of The Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX Account # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX
Product: Mortgage

I have attempted numerous times to get straight answers from Nationstar and the lawyer they hired to foreclose on me in WI. After a lot of research and after finally getting documents from Nationstar I was able to prove that it was Nationstar that filed a fraudulent assignment with the Register of Deeds and with the Court. Nationstar likes to say they just get their documents from the MERC system, but if you look at the proof I am providing you will see it was a Nationstar notary who signed the assignment and the assignment took place in XX/XX/XXXX when they were servicing the loan. An assignment to XXXX Bank as trustee could not have occurred in XX/XX/XXXX because this particular trust closed in XX/XX/XXXX. Also Nationstar owns agencies that have been sendng representatives to my home to " break-in '' even when they do not have any legal right to be on my property. They claim that they determined my property was abandoned based on fraudulent information. Nationstar said they were taking my complaint seriously, but they never followed up and recently sent yet another person to my home, who came to my home at XXXX and he attempted to break-in until my dogs started barking. I am attaching all of my proof and I am contemplating filing a federal lawsuit against them. Any assistance you can provide is greatly appreciated. Please see attachments for further explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous item listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These item must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these item, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15U.S.C. 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

MEDICAL COLLECTIONS ARE ALSO PROHIBITED FROM VIOLATING HIPPA LAWS AND WITH WRITTEN CONSENT CAN NOT FORWARD ANY PERSONAL HEALTH DIAGNOSIS TO ANYONE
Product: Credit reporting or other personal consumer reports

Over a period of nine months, I have filed disputes against creditors and collection companies with Experian on the following XXXX ; report XXXX ; report XXXX ; report XX/XX/XXXX ; report # XXXX ; report # XXXX, I have forwarded dispute letters triggering account investigations on XXXX, XXXX, Experian report # XXXX ; XXXX XXXX, XXXX Experian report # XXXX, certified mail XXXX in XX/XX/XXXX ; XX/XX/XXXX report # XXXX, XX/XX/XXXX report # XXXX, and report # XXXX. Despite these disputes, Experian has conspired with creditors and collection agencies to violated the following FCRA and FDCPA statutes such as 15 USC 1681s-2 ( b ) ; 15 USC 1681i ( a ) ( 6 ) ; 15 USC 1681s-2 ( a ) ( 7 ) ; 15 USC 1681s-2 ( a ) ( 5 ). I am requesting that Experian provide me every investigation based on the disputed items in my inaccurate, misleading, or incomplete complaints. For nine months, Experian has not provided me with their findings and procedures as required by statute. Further on XXXX, Experian allowed the XXXX Police Department to use my personal identifiers to illegal open up an on line account as a Experian membership # XXXX to monitor my XXXX XXXX XXXX  account without my consent. Because of a previous lawsuit against Experian and the XXXX Police Department in XXXX, I believe my current problems with noncompliance is a result of retaliation due a federal lawsuit filed in the XXXX XXXX XXXX under cause # XXXX. Experian is a co-conspirator assisting my former employer to retaliate by having collection companies dump illegal and fraudulent debt on my credit report so I can't access the equity in my residence. I need all investigations to prove the conspiracy to delrive me of equal protection under law. I filed a police report on the car dealer representing XXXX XXXX XXXX under incident number, XXXX, on XXXX XXXX for falsifying a vehicle sales contract by putting down {$2500.00} which I never gave him. They were trying to sell a XXXX XXXX under manufacturer recall. I checked with the secretary of state and the XXXX that I initially gave XXXX XXXX went to XXXX XXXX XXXX XXXX which has no certificate to do business in the State of Texas dated XX/XX/XXXX.