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

On XX/XX/2022 around XXXX XXXX  to purchase a vehicle that is dependable because the one I just got is not. I found a truck I really liked it reminded me of my old truck that i no longer have, it was a good truck. Then we went inside and filled out the application where I told him upon completion as I was signing for consent to run the credit check to only run it once. They assured me that they would then they ran it through TOYOTA XXXX XXXX as well as SOUTHEASTERN TOYOTA FIN as I learned through XXXX XXXX. At this point I was informed I would need a large down payment with the credit score they pulled. to which I handed them a copy of the following violations along with some definitions from this website and XXXX XXXX XXXX XXXX A SHORT LIST they took adverse action against me in denial of credit as codified in 15 USC 1691c and is also civilly liability under 15 USC 1692k. they are subject under criminal liability under 15 USC 1691 as I have proof that I was denied credit due to the response I received as well as the print out of denial. they are in violation of 15 USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not extended to me. Furthermore, my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SOUTHEASTERN TOYOTA FIN AND TOYOTA XXXX XXXX I have reached out to TOYOTA who reached out to TOYOTA XXXX XXXX and SOUTHEAST TOYOTA FIN gave me a run around. I am also aware they are in violation of 15 USC 1681n and 15 USC 1681o, along with a whole list of other violations. Thank you for your assistance in this matter.
Product: Debt collection

REQUESTED A CLAIM.I REQUESTED THE ORIGINAL CONTRACT I SUPPOSEDLY SIGNED WITH MY ORIGINAL SIGNATURE. I REQUEST THESE ORIGINAL DOCUMENTS AND ORIGINAL SIGNATURES TO SHOW IF OWE THIS DEBT. ALSO IF THIS DEBT WAS SOLD TO ANOTHER COLLECTOR. I HAVE NO PRIMITIVE CONTRACT WITH THEM EITHER. I REQUEST THESE ORIGINAL DOCUMENTS WITH MY ORIGINAL SIGNATURE IMMEDIATELY OR DELETE THESE DEBTS BECAUSE THE DEBT COLLECTION IS FRAUDULENT AGAINST MY RIGHTS AND US CODES IF I CAN BE DIRECT. PLEASE DELETE OR HAVE ORIGINAL DOCUMENTS. THANK YOU
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX - Phone # XXXX is reaching out to my wife, family and myself on a debt I do n't owe and never even heard of owning. This is the first time I heard of owing any money to this company or the original company they are trying to collect this alleged debt for. They are a third party company trying to collect a debt for an original company that I never owed money to. The company they claim I owe this money too is XXXX XXXX XXXX. The debt they say I owe is supposedly from an address I lived in over 7 years ago. This company will not stop calling my family on their cell phones, myself and any number that I am associated with. I am going to take legal steps into suing them for every time they called me starting from when they called my wife. I thought filing this complaint would be a better route to go as I do n't want any money, I just want them to leave myself and family alone as they are harassing us.
Product: Debt collection

On XX/XX/2020 I became aware of inaccurate information listed on my credit reports by Credence Resource Management , LLC. I requested validation, competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2020 I received a dispute acknowledgement - On XX/XX/2020 I received a dispute investigation response stating that the " creditor '' verified the account as valid. 

Credence Resource Management , LLC is listed as the creditor for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX credit reports. Did they reach out to themselves and verify the account status? On XX/XX/2020 I also received an itemized document to verify the referenced account. On XX/XX/2020 I responded with a second attempt requesting proof of the account accuracy at which point I never received a response. 

Credence Resource Management , LLC changed the name and creditor reporting to XXXX  resulting in additional harm to my credit scores after my first certified mail request. 

I believe that Credence Resource Management , LLC is acting in bad faith by attempting to collect a debt that is unverifiable.
Product: Mortgage

I am facing foreclosure upon that notification I decided to sell the property. I reached out to Shellpoint Mortgage company and they notified me that my home was eligible for a conventional sale because of the accrued equity. I was also told that if specific conditions were met that the foreclosure date could be stopped or extended. Those conditions were as follows : A signed contract on the home, Proof of funds provided by a bank and a HUD payoff letter confirming full payoff of the mortgage. I have provided this information to Shellpoint Mortgage company a total of 5 times both by email and fax however none has uploaded this information to my file and no one has attempted to assist me in moving forward with the sale of my home. I have yet to be assigned a direct point of contact that can answer questions or help me in any sort of way. I feel as though I am being discriminated against.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, XXXX # XXXX. XXXX # XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. & 1681c-2 ) that you. The XXXX and XXXX credit reporting agencies, block information on my consumer credit that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1 inquiry ( JPMCB CARD SERVICES ). Opened XX/XX/XXXX. A collection account ( XXXX XXXX XXXX ). A cellphone account opened XX/XX/XXXX with a balance of {$1300.00}. A collection account ( XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fraudulent credit report. I have attached a list of hard inquiries and collections in question. The aforementioned inquiries and collection accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. They are all a result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX, # XXXX, # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections also hard inquiries are a result of identity theft and fraud.
Product: Vehicle loan or lease

Ally auto financing I have a car loan through in XXXX after the covid 19 pandemic hit. I had lost my job. I had some late payments due to unemployment. Prior to the pandemic and after all my payments were made on time through auto pay. I've disputed these late payments with ally auto 3 times to have them remove it from my credit report since XX/XX/XXXX and they have not done so. It's heavily affected my credit score. I was re employed after about 5 months to the same company I worked for. Please look at my good standing account prior and after to the XXXX covid XXXX pandemic. Please have this removed. This should've been taken seriously and removed and or not reported to the credit bureaus. Please help me I have not noted the 3rd dispute reference number XX/XX/XXXX ref # XXXX XX/XX/XXXX ref # XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

i wrote to equifax and they still did not update my credit report these account need to be remove as soon as possible account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

i have give time to do so, please remove this account immediately i reported/deputed this XX/XX/2022 XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX, XXXX and Equifax ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX  XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reporting to XXXX and Equifax ) XXXX XXXX XXXX- XX/XX/XXXX ( reporting to XXXX and Equifax XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX XXXX  - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX - XX/XX/XXXX ( reporting to XXXX )
Product: Mortgage

I have a Mortgage with Chase Bank that is a XXXX account. I was denied a loan modification from Chase many times. I send all of the papers that they ask for and they continue to ask for the same information over and over again. Every time they deny my loan modification. Chase is impossible to work with. Now they are trying to foreclose on my home. I am a VETREAN XXXX. All I have been asking for is help from Chase. There are payments and escrow money missing and ca n't be accounted for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I read an FTC article stating that since 2018 requesting a Credit Lock would be for free ( both locking and unlocking ). With that in mind here is my situation. 
I am a customer of Experian for their free services. Previously, I was a paid member. One of the options as a paid member was to get a credit lock.

Now that I moved back to the free version to save money I can no longer do an Experian credit lock as an option on their website. I re-checked this today. The only way they allow this is for a free XXXX " XXXX '' membership. 
Since all three credit agencies should be offering this option as a free service ( if I understood the 2108 article correctly on the FTC website ), shouldn't we be questioning why Experian 's free service is NOT offering this as a free option? 
Any assistance would be appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX 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 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt or credit management

Everytime I try to use my Customer credit I get time turned down
Product: Checking or savings account

I applied for a online bank account with a company then got a debit card and account from another company and didn't know it might be a scam but I had put some cash on it and set up an account on their app and I payed for a few items but when I tried to get back on the app I couldn't login again, I tried several times and then to rest login info and still can't get back on, there's still some money on the card and account but I tried to order another item it wouldn't let me, it said account info not complete but I tried putting in the info and it still won't accept it
Product: Checking or savings account

( Because the layout format of the previous submission is messy, I resubmit and put all the content in the pdf attachment ) /n Complaints against BOA for alleged abuse of discretion and systemic discrimination : Im a XXXX  resident in the US . I believe I do nothing wrong. But just because of Bank of Americas misleading sales, abuse of discretions, and possible systematic discrimination against ethnic minorities, all my five well-run BOA accounts were closed. In this  difficult COVID-19 pandemic time, I cant pay online. I have to go out, again and again, to solve various financial and shopping issues for my family regardless of the risk, in the area with the highest number of infected in my state. /n Especially when I simply searched in XXXX and inquired about the XXXX  complaint data of BOA , I had to suspect that this was BOAs systematic discrimination against disadvantaged customer groups and malicious abuse of the discretionary power granted by the law, to maximize the BOAs own interests., Minimize their risk, and deliberately harm the interests of customers, as the similar discrimination cases of XXXX XXXX, XXXX, and XXXX XXXX in XXXX .... ( Because the layout format of the previous submission is messy, I resubmit and put all the content in the pdf attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN AND XXXX IN REGARDS TO THE FRAUD. 

I HAVE ASKED EXPERIAN TO PROVIDE ME WITH INFORMATION ABOUT THE ACCOUNT AND THE METHODS USED TO VERIFY THE SAID ACCOUNT. EXPERIAN HAS BEEN PROVIDED VALID POLICE AND FTC AND ID THEFT AFFIDAVITS. 
EXPERIAN DOES NOT VERIFY THE ACCOUNTS IN ACCORDANCE TO THE FCRA I HAVE REVIEWED MY CREDIT PROFILE AND NOTICED THE INACCURACIES AND/OR INCOMPLETE INFORMATION, AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FCRA SECTION 611 5 A OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE OR WHICH CAN NOT BE VERIFIED. 

ITS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681 EVREY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN NON COMPLIANT INCOMPLETE UNTURE, INCORRECT AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIREITY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETLY DELETED I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL WITH THE PERMAMENT DELETION OF THESE DEGRATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFACTION THAT YOU ARE ADHERING TO THE MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REULATIONS. 

THE FOLLOWING DEGRATORY ACCOUNTS ARE ALLEGATIONS ARE EITHER UNTRUE UNVERIFIED, INCORRECT, UNTIMELY, NOT MINE, NOT MY RESPONSIBLITY OR OTHERWISE NOT PROVEN COMPLIANT TO REGULATORY FEDERAL REPORTING LAWS AND STANDARDS AND MUST BE REMOVE IMMEDIATELY DO SO TODAY EVEN RIGHT NOW THE OBVIOUS INFRACTIONS AS FOLLOWS ALLEGING CREDITOR AS IS REPORTED ON MY CREDIT REPORT IS XXXX ACCOUNT XXXX THIS ACCOUNT IS FRAUD. EXPERIAN HAS BEEN GIVEN FTC REPORTS, POLICE REPORTS, ID THEFT AFFIVADTS AS PART OF FRAUD. 

XXXX XXXX XXXX ACCT XXXX EXPERIAN HAS BEEN GIVEN POLICE REPORTS OF FRAUD AND FTC REPORTS AND ID THEFT AFFIVADTS AS WELL BY THE PROVISIONS OF THE FCRA AND PER THE STANDARDS OF REPORTING COMPLANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX METRO 2 COMPLIANCE REQULATIONS, I DEMAND THAT THESE ABOVE ACCOUNTS MENTIONED DEGRAFATORY ITEMS BE INVESTIGATED AND PREMANTELY REMOVED FROM MY REPORT. 

I AWAIT YOUR REPLY AND WITH THE ABOVE REQUESTED PROOF UPOIN RECEVING IT I WILL CORRESPOND BACK WITH YOU BY CERIFIED MAIL
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX this month XX/XX/2022. My payments were not late and I do not have a past due amount. Home Depot did not report accurately to XXXX and cause my credit score to drop.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX and XX/XX/year> I have written XXXX, XXXX and Experian about late payments they are reporting on XXXX  XXXX account. I believe it is in violation of FCRA 15 USC 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. COOPER has destroyed my life and caused me more hardship than I can even begin to put into this statement. They are so incredibly fraudulent its sick. Currently however Im homeless, my credit is destroyed bc of them and my mortgage has been paid off now for years. It still shows open with a balance. I want anything to do with there criminal company off from my report including the bankruptcy I filed bc I thought I had to to keep them from wrongfully selling my home!!! These things have left me homeless and unable to get any financing or even a rental for my son and I. Please help! I know Im not alone in this! Theyre lucky I wasnt aware of the ways they were breaking the law and screwing me over all along bc theyd have a HUGE lawsuit on there hands. Honestly this is the least they can do!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. 

I filed a complaint with equifax and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. Equifax is allowing this company to destroy my credit report after they have removed the collection several times.