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

The XXXX XXXX  was repossessed on XX/XX/XXXX according to Capital One Finance. This repossession has been reporting on my credit report as a collection/ charge off. 
I first called them in XXXX asking for these documents and they told me that they didn't have the 1099-C because they hadn't written the debt off yet even though it's reporting as a charge off. 
I also asked for a copy of the Notices to sell and resell letters and they said they don't have that. 

I sent my first letter to them dated XX/XX/XXXX asking them for ; 1. the original contract with signatures on it. 
2. Audit trail. 
3. Auction Information 4. 1099C They responded with a account history and a unreadable copy of the contract. 
I called them on XX/XX/XXXX and asked for the same documents again and for them to include a readable ( Larger Copy ) of the original contract and was told they would send all the information. On XX/XX/XXXX I received a letter titled Confirmation of repossession. On XX/XX/XXXX I received a letter titled YOUR CREDIT BUREA REVIEW REQUEST, another one titled YOUR REQUESTED DOCUMENTS, EXPLANATION OF CALCULATIO OF DEFICIENCY, EXPLANATION OF CALCULATION OF DEFICIENCY WITH NO READABLE CONTRACT. I also followed up with my 2nd letter to them dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries I do not recognize.
Product: Credit reporting or other personal consumer reports

I demand the reinvestigation of my XXXX, XXXX XXXX XXXX charged off transactions and I demand that you exclude all of the following transactions from my consumer report! According to 15 USC 1681 i7 Description of Reinvestigation Procedure- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I want to know the method used to verify my previous complaints of multiple violations! Who did you speak with pertaining to the inaccurate transaction amounts being reported? How was it verified that it was ok for a charged off ( dead /dormant ) transactions amount to continuously change on a monthly basis for the last 5 years on a consumer report as accurate? What was the position of the person whom you spoke with? How long was the conversations? What was the actual date and time of the investigation? Did you investigate with the IRS that these charge off transactions had already been filled on their taxes as previously stated? Did you investigate that the IRS considers charge offs as 1099c and as gross/ordinary income? Gross/ordinary income does not report on the consumer report, so why are these XXXX  charge offs being furnished as debt on my consumer report, now these become inaccurate under 15 USC 1681EB Maximum Accuracy Shall Be Reported, did you investigate this part of my dispute? Did you look at the proof I had previously uploaded with all the violations and inaccuracies I will be suing for violations of 15 USC 1681n Civil Liability for Willful Noncompliance. 
I DEMAND that you immediately exclude the following transactions from my consumer report according to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) Exclusions- a consumer report does not include ( A ) ( i ) transactions or experiences between the consumer and the person making the report
Product: Mortgage

I lost my job in   XXXX  , I contacted the Home saver program here in  XXXX   XXXX   I  was granted 24 months of assistance the Home saver program paid over {$22000.00} on my mortgage  to Wells Fargo, My balance on my mortgage as increased instead of deceasing. I am still havi ng a hard time making my payment. I will sent a letter fr om Wells Fargo st ating I will need to pay my mortgage  XXXX   XXXX . I called them to see how much I would need to pay per I got another letter stating my escrow was short by a few dollars and they were offering me  2 chooses, I wanted to discuss this, when I called I was told I was two  months behind in my payments. I applied for a loan forbearence only to be turned down. I would like my mortgage case looked at. I think something is going on with my balance owed and too see why they will not help me till I get on my feet. could  some one  please help me. I dont know the right words say but I need help.
Product: Debt collection

So, I wanted to close my cable/internet account with XXXX because I was moving, and they said in order to close your account you need to pay {$180.00} for the rest of the month. Then, next month, in my new apartment, I signed up for XXXX, and they billed me for something I already paided for, I tried to contact them and they would hang up on me and soon sold my collection to another company whom are charging me {$260.00}.
Product: Credit reporting or other personal consumer reports

I called all 3 bureaus in XXXX and XXXX informing them that are reporting things on my report that are directly effecting my life in a negative way. I informed them that they have unmailable addresses, incorrect names and multiple accounts I gave them no permission to put on my report ( 15 U.S. Code 1681b ). Multiple violations on the report.15 U.S. Code 1681c - Requirements relating to information contained in consumer report. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to your report without your written consent could be considered Identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
Again they need prior written instruction of the individual to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Lexis Nexus in XX/XX/XXXX because their report says that I have an at fault accident on my report from XXXX, but I have not had a car accident in 7 years. This accident is on my report, but it is not my drivers license/social security # and should NOT be on my account. The results of the dispute showed that the accident was not my fault, but its still showing on my report, and now EVERYTHING, connected to whoever is responsible is showing on my report as well. I want this corrected IMMEDIATELY. My car insurance has gone up to over $ XXXXmonth and I have been turned down for rental property due to this reportplease help me?!?!?!?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$320.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018, I received a call from my parents so who stated that they received a voicemail message left from XXXX XXXX of sterling credit corporation a debt collection service XXXX. This company had contacted me previously on my cell phone number and I told them not to contact me by phone anymore and only by mail. When I contacted XXXX, i informed her that I did not appreciate her contacting my parents and telling them that she was calling from a debt collection service and i don't know how they were able to obtain their number as I had never given it out to them and she didn't know, perhaps they found my parent 's number online as it is listed there. I told her that her actions were a direct violation of the fair debt collection practices act and she didn't seem to care much about violating a federal law and I added that I could sue her company for this. XXXX stated that her company could not get in contact with me, but that is a lie as we spoke previously on the phone before and that is when I told her to stop calling me and only send any correspondences to me through the mail as she already has my contact address! This company was hired by XXXX XXXX to collect an outstanding debt my a previous checking account I once had where I was scammed. XXXX only contacted me once when the account was closed and I informed the represenative that I was scammed and he never told me what I should do like file a police report, etc. Instead he was very rude with me and lectured me on being scammed like i wanted it to happen! It has been a year already and I'm only hearing back from the debt collection service now?
Product: Debt collection

VIOLATORS OF FDCPA, TCPA CEASE AND DESIST COLLECTION EFFORTS PAID ORIGINAL CREDITORS ALREADY
Product: Debt collection

I sent Chrysler Capital two dispute 's to no avail I've received absolutely NO response I've sent my dispute letter certified mail and noticed that Chrysler Capital is signing for my dispute letter but they're not honoring my dispute or the FCRA because they aren't responding. This is a direct violation under the FCRA section " FCRA Section 611 Part ( A ) ( 1 ) Failing to respond to my written dispute within 30 days. " But they've charged off my account over 61 times from XXXX to this present day! 

Chrysler Capital clearly is operating under illegal business practices. Seeing how Chrysler Capital blatantly is ignoring my request I've decided to shed light on their less than honorable business practices.
Product: Debt collection

I contacted XXXX to reschedule my payment when I realized my bank account was over drafted, due to another bill payment being processed early. I asked to reschedule my payment on my next pay period and was told that there was no way to stop their automated system from collecting they payment. I informed the rep that for each attempt, my bank would continue to charge me an over draft fee and that it would put me further in debt. At this time the rep informed me that the only way to stop the automatic attempt would be to file a stop notice with my bank. XXXX implied several times that I did not do my due diligence by contacting XXXX earlier. I let her know several times that I called as soon as I realized the issue and was trying to work towards a resolution so that I could meet my payment obligation. She continued to imply that I did not take the correct action and that the matter was out of her hands. I then contacted my bank to place a stop payment, as advised by XXXX. Today XXXX called to advise that I would be kicked out of the lower interest arrangement for failure to meet my payment date. Despite doing what I could to adequately make my payment, XXXX is now attempting to collect a payment that I can not sustain, without informing beforehand that their advised action would result in being kicked out of the program. I believe this is in violation of the Fair Debt Collection Practices Act Section 802a and 802c as no alternatives of payment were offered. This practice is highly predatory and deceptive.
Product: Debt collection

There are unauthorized accounts on my credit report that are wrong. Please remove and block them immediately.
Product: Payday loan, title loan, or personal loan

This is regarding a 2nd Draw PPP loan originally with XXXX XXXX  ( acquired by PNC Bank in late XXXX. ) PNC Bank is using an erroneous definition of maximum loan amount for XXXX XXXX owner-employees and therefore only applied for partial forgiveness of my PPP  Loan with XXXX. I corresponded with PNC Bank 's PPP loan specialists primarily throughout the month of XXXX. They took a position and didn't consider the information presented regarding their erroneous interpretation of XXXX guidance ( FYI- I'm a CPA with over 30-years experience in tax an accounting matters. ) Rather than look into the matter, they just kept informing me I could file an appeal with XXXX if I didn't agree. Their position was that for XXXX XXXX owner-employees, health insurance was not included in cash compensation or " gross wages '' and didn't count for purposes of determining the maximum loan - therefore XXXX 's loan to my XXXX XXXX was greater than the maximum allowed and the excess did not qualify for XXXX forgiveness XXXX The salary amount was small ; no were near the maximum salary threshold, meaning health insurance should have been included in determining " gross salary '' and/or cash compensation in calculating the maximum amount that can be borrowed. 


References : XXXX 's : Paycheck Protection Program " How to Calculate Maximum Loan Amounts - By Business Type '' dated XX/XX/XXXX and also their " Second Draw PPP Loans : " How to Calculate Revenue Reduction and Maximum Loan Amounts Including What Documentation to Provide '', as of XX/XX/XXXX.
Product: Debt collection

I received a bill on XX/XX/XXXX for {$2500.00} and I sent a letter of validation to Tri-State Adjustment. XX/XX/XXXX I received another bill with cost break downs, however, this is not just for me it is for my son and I never signed a contract for myself or my son. My ex-wife may have for my son but I did not, also in the amount due of {$2500.00}. These were sent to me in my name for myself and my minor son .Again in response to XX/XX/XXXX 's bill I sent a Verification of Debit Request this time via XXXX XXXX Mail XXXX XX/XX/XXXX. So XX/XX/XXXX I sent another verification letter asking for XXXX proof of the complete and signed contract for both myself and my sonXXXX an explanation of how all costs are calculated in the bill : XXXX to also provide me with copies of any and all documents, ledgers, spreadsheets etc., that showed I agreed to pay the costs that are being charged to me : XXXX To identify and accurately describe XXXX party costs for what I am being charged and that they have included the dispute amount along with a complete itemization of each charge : XXXX provide me with an affidavit that the statue of limitations has not expired on this accountXXXX show proof they are licensed to collect a debit in the state of XXXX provide me with your and your clients proof of good standing under the laws of XXXX and the Secretary of State along with information regarding your registered agent for service of process. 
Today on XX/XX/XXXX I received another itemized bill identical to the one I got on XX/XX/XXXX and is also time stamped the date printed on each page of XX/XX/XXXX, and not on of my questions were answered and I was completely ignored in my requests..
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666 ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S code 1681B Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I signed up with XXXX XXXX XXXX to help me reduce credit card debt. I paid them XXXX XXXX monthly. The agent stated that I had to stop paying my credit bill to start the program. I stopped paying the bills with resignation because my XXXX XXXX was XXXX at that time. 

XXXX got an a settlement agreement for me to pay half of the balance with Citibank in XXXX, to clear the balance, which I paid. However, I asked for the account to be removed from my credit report and both XXXX and Citibank have refused to remove it. It is now showing as below ; and negatively impacting my ability to receive credit for business. 

Paid profit and loss Dispute resolved-subscriber disagrees Settled-less than full balance Dispute resolved-subscriber disagrees
Product: Credit reporting or other personal consumer reports

This account has been removed once before and they put it back on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C and 1681 you have broken the law because these damages are fraud and I am trying to move forward.
Product: Credit card or prepaid card

Today I applied for a reapproval for Klarna and was denied due to them telling me that they can't identify my identity with XXXX. That's strange, because every time I try to apply for an account with them I get this same message. I think this bank discriminate against applicants that have a credit freeze on their credit and keep in mind that's in place to protect them. I was a victim of identity theft is the reason for the freeze. 

Mind you prior to applying I removed the freeze off of my credit report. Screenshots are attached. Normally if a freeze is on an applicant 's bureau the creditor would reach out to request it to be remove in order to process the application, but not XXXX this is a bias bank and I want them to run the credit as the credit bureau is unfroze. 

Any questions I can be reached at XXXX
Product: Debt collection

They keep calling me. Asking me to verify information. I have kept blocking them as well as changing my mobile number. I have called my mobile provider to block them.
Product: Debt collection

RESURGENT RECEIVABLES LLC how was this verified i didn't give them written consent. 
18 USC 8 tells us ALL obligations are for the UNITED STATES, not the natural person. 28 usc 3002 ( 15 ) tells us the UNITED STATES is a federal corporation under the Judiciary Laws.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX  XXXX XXXX, who represents National Credit Systems, is not licensed and bonded in the state of Texas to collect a debt from me, according to nmlsconsumer.org. I am willing to open up a civil claims suit for the number of times they have attempted to collect a debt while in the state of TX. They have falsified email records stating they are licensed to collect in TX, which they are not! Remove this collection from my credit report.