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

I called them about my payments being high and i needed to refinance because the car was having XXXX  problems with just a year of use and i wanted to get a bette  workable car they reused to refinance me and i told them i cant afford it to take it back they refused to take it back and said they couldnt do anything about it so when payment was not recieved thery repoed me and sold the XXXX  i asked for how much they refused to XXXX  me and said i had a balace of XXXX XXXX  I told the i will not pay that and they kept harassing me with phonecalls at all hours of the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, the consumer agencies, Experian, XXXX and XXXX mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, Experian falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores Experian, XXXX and XXXX sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that Experian provided to me and the various credit scores lenders actually use. As a result, Experian, XXXX and XXXX  credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account XXXX XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported on my credit file Deleted from my consumer reports effective immediately.

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time.

Further more 15 USC 1666b ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Identity theft report to remove the fraudulent items from my credit report due to ID theft, requesting the items be blocked within XXXX hours due to fraud. The company refused to block the fraudulent items and refused to investigate the items. I am requesting in writing that the credit reporting agencies block the fraudulent inquiries and accounts from my credit file. 

The company refused to update the 30 day late on my credit file. I had covid 19 in XXXX of 2021. The mortgage on my credit report is reporting late I have a letter from the lender that I was on an extension and was never late. This is affecting my credit score and ability to obtain credit in my name. The XXXX confirmation number is XXXX, XXXX file number XXXX, I do not. have the Experian report number. I have been kidnapped and I explained that to the agent and they refused to removed the items. My social, drivers license was stolen during the time. The people who had it done went to jail but they sold my identity. I feel the credit bureaus are discriminating me because I been kidnapped.
Product: Credit card

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
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. 

Equifax, XXXX, XXXX, is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : DP OF EDUC : XXXX DP OF EDUC : XXXX DEPTEDXXXX : XXXX XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

I received a credit report a saw that Progressive Mangement Services of XXXX XXXX, CA has reported a debt and trying to collect on it, I had advised them in the past the debt is old and and the statue of limitations in California is 4 years and can no longer collect on it, when it was reported to the credit agencies there is no account number attached. I did send them a email asking that they remove the account.
Product: Debt collection

My complaint against Portfolio Recover Associates ( PRA ) is based on their inability or flat-out refusal to provide the original TERMS of my XXXX XXXX Credit Card # XXXX. I have disputed the amount owed since the very first phone call with PRA. PRA has stated over a dozen times that they have received all available documents pertaining to my account. They have only provided random statements and agreement. Any and all phone calls with PRA were recorded and available. The TERMS are included in the welcome package along with the Agreement and new credit card. The TERMS are specific to a borrower and will vary based on the borrowers credit profile. The Agreement is  a universal document that can easily found on the internet. The TERMS come in two pages and consist of the following : Credit Limit, APR for Purchases, APR for Cash Advances, APR for transfers, Penalty APR when it applies, Paying interest, Minimum interest charge, Annual fee, Transaction fee, and Penalty fee. The Agreement does not have any information specific to the borrower. It is my understanding after reading the CFPB procedures required by debt collectors, that one of many things a debt collector must do when purchasing debt from another party is to validate the amount due and determine whether any fees charged were permitted by contract with the original creditor. Question Onewithout having the Original TERMS to my specific XXXX XXXX account, how are you able to confirm that the balance youre trying to collect? Question TwoIve attached the XXXX XXXX statement with a closing date of XXXX which was 3 months prior to the charge-off. The statement includes total fees for XXXX of {$180.00}, can you confirm with 100 % certainty that all fees charged in XXXX were as-agreed to by XXXX XXXX when they extended credit? How about the {$58.00} in fees charged in XXXX? Question ThreeWhy would XXXX XXXX refuse to let PRA provide me with my Original Terms and Agreement? On XXXX I had a phone conversation with XXXX from PRAs dispute department. On a recorded line she clearly stated that XXXX XXXX didnt want PRA to send me my Original Terms and Agreement, why would they do that?
Product: Credit reporting, credit repair services, or other personal consumer reports

Being a victim of Fraud and Identity theft. I recently pulled my credit report and the accounts being reported are inaccurate and I havent had these accounts. Public Records Bankruptcy. XXXX XXXX. 

HARD INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX, I had took out a loan in the amount of {$15000.00} to consolidate by credit card debt which I was told that this would not be considered a 2nd mortgage that my home will only be used for collateral with XXXX XXXX XXXX at that time I signed a binding security agreement. for 15yrs. of 180payments in the amount of {$210.00} and 1 payment of {$260.00} with a 14.93 % interest rate total amount will be paid back {$38000.00}. XXXX has since sold the loan to Specialized Loan Services ( SLS ). I was recently sent a letter stating that my original loan is reaching its maturity date and I still owe {$9400.00} on this loan. I was told that I could try to refinance the amount or send the full unpaid principal balance XXXX by XX/XX/XXXX. As of today, I have fully paid my obligation to XXXX Specialized loan service. there is not indication on my original loan that I will be charged an additional {$9400.00} to close this loan out. I was told by agent from Specialized loan services that back in 2007when I took my loan out, companies were approving loans with low payments for affordability and my payments was not fulling my obligations, only a little over {$50.00} was going towards the principle balance and the remainder was going towards the interest since recently when they increased the amount from $ XXXX {$95.00} to the principle as of today, I have paid {$38.00}, XXXX I have fulfilled my debt of {$15000.00} balance. This type of act is illegal an therefore I do not feel I owe Specialized loan services any additional funds. I'm willing to take this action to Supreme court or file a class action law suite so no other consumer can be victimize with this unfair act. I'm requesting that my last payment of {$210.00} XX/XX/XXXX will consider this loan paid in full with a satisfactory agreement. I have attached all supporting documents.
Product: Debt collection

I have a collection account on XXXX Credit Report from Credit Bureau of Louisiana for ( XXXX XXXX ). At the time of service I was in the custody of the United States Marshall 's Service being housed at XXXX XXXX XXXX XXXX. The XXXX or XXXX Parish Sheriffs office is responsible for this charge. This is what I want to dispute I was in custody from XX/XX/XXXX until XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask for proof of these late payments that the credit reporting companies are reporting. And they did not provide proof. Its been over 60 days, I also ask for validation of those XXXX charged off accounts. Same thing no proof. At this time I demand all accounts be removed immediately
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of Identity theft and have found numerous Inquiries I have no knowledge of. Below I listed the inquires and the dates they were added on to my credit report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I also attached my identity theft report. Please remove these fraudulent inquiries from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support per law is only to be on your report up to 7 years from INITIAL delinquency date. I repeat, child support by law is only to be on your credit report 7 years from INITIAL, not last, but INITIAL delinquency date. Furthermore, you can not possibly have a " Last '' delinquency date when you have been delinquent since inception hence INITIAL delinquency date. I have been delinquent on child support since XX/XX/XXXX. I have enclosed a summary of account statement from XXXX XXXX XXXX XXXX dated XX/XX/XXXX which CLEARLY shows my delinquency of {$43000.00} as of XX/XX/XXXX. That is 11 years ago. This account needs to be deleted from my report immediately. Its in clear violation of the FCRA and my rights. This has cost me numerous adverse decisions when it should never have been on my report. I have been harmed irreparably by Equifax 's refusal to remove this item as they should. They have the obligation of reporting correct & accurate information on my credit report. The burden is on them especially when I have brought to their attention their error. I have tried numerous times to rectify with Equifax to no avail. It is their responsibility to have XXXX XXXX XXXX XXXX to dispute what I have furnished as being correct or they have no business reporting it. I was XXXX in XXXX for this delinquent account. Yes, in XXXX! Equifax has the nerve to argue with me and tell me that it has been delinquent since XX/XX/XXXX. Recap. XXXX delinquency date is XX/XX/XXXX, I have enclosed statement from XXXXXXXX XXXX XXXX showing the arrears at {$43000.00} BACK in XX/XX/XXXX. That is XXXX years. That is XXXX years past the time to report. Violation of my rights under the FCRA. I was incarcerated in XXXX over this delinquency, I would not have incarcerated if I was not delinquent BACK IN XXXX!
Product: Checking or savings account

Ally Bank has been contacted numerous times, dating back to XXXX to establish an IRA, rollover funds from a qualified retirement plan, and disburse funds into my savings account. At every step of the way, Ally has provided misinformation and incomplete information that has resulted in delay after delay in accessing my funds. Despite assurances that the process is complete and I would have funded by the close of business on XX/XX/15, Ally has not provided access to my funds. At this stage, Ally has informed me several times that I have completed all applicable paperwork, yet they refuse to process my IRA distribution request.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally address concerns arising from my recent hiring experience with Bank of America, which has resulted in significant frustration, financial hardship, and loss of valuable time. 

Background : I recently applied for a XXXX XXXX XXXX position with Bank of America through an external agency. After receiving positive feedback on my interview, I accepted an offer and began the on-boarding process. However, I was unexpectedly informed that my on-boarding could not proceed due to an internal red flag associated with the closure of my previous Bank of America accounts . Issue Description : My wife and I held checking accounts with Bank of America for ov
er two decades. Several years ago, these accounts were closed without explanation, and despite our repeated requests, Bank of America provided no reason, citing internal policy. Recently, during my on-boarding, I was informed that this previous account closure led to a hiring decision to rescind my offer, as my social security number was flagged in their internal system.

Impact and Resolution Sought : Based on the positive feedback and the signed contract, I left my previous position to prioritize this opportunity. The abrupt rescinding of the offer has now left me without employment, resulting in financial strain and a substantial loss of time invested in the hiring process.

The most troubling aspect of this experience has been Bank of Americas refusal to provide clarity on why my accounts were closed, especially given the red-flag associated with my personal information in their records. I was a loyal customer of Bank of America, and I am now left facing career and financial repercussions due to what appears to be a procedural oversight. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Letter of Dispute # 2 To whom it may concern, I want this account in full dispute. This company is not willing to provide me with validation of this debt. I spoke to this company after getting a phone call. They had the wrong address from conceptions of this account, and this alarmed me. The first call from me was back in XXXX, I pay all my bills and to say I had an open collection was alarming. This account is fraud and inaccurate. I demand proof of this debt. This company is so rude and does not listen to the concern of the consumer. I have given my address to them and yet again they still have the wrong address on the file. They are being super personal, willing and in feels super threatening me as a consumer trying to resolve this. I was on the line with 3 of them for 45 minutes. XXXX XXXX, who claims to be a supervisor is very unprofessional and wanted to argue rather than address my concern. I had disputed this account back in XXXX when I got the phone call. Sent in my dispute and now sending it again!! They have a wrong address, and my Driver licensee reflects my address. It is {$65.00} and is not okay to place this on someones credit report when this is not validated and has wrong address in the first place. Especially when I have been a victim of fraud why wouldnt I want validation this is mine? I am willing to resolve this if I get the proper validation and dispute process is addressed. They love to damage people and it shows. This agency needs to be reported. CCS is the name of the company. The phone number to reach them is XXXX. I would love to resolve this if this is my debt. I have updated with them twice asking to send me validation and they have failed to do so, as they claim have not got a written '' dispute even though given one verbally in XXXX! They are in violation of the FDCPA. I have a case # XXXX to reference also for the fraud case filed. XXXX claims in full dispute. If you need any further information needed from me, please do let me know. SO CRUEL AND JUST PLACES ANYTHING ON CREDIT REPORTS PRIOR TO EVEN VALIDATION. 

Thank you Respectfully,
Product: Mortgage

I fell behind on the mortgage due to COVID my customers ar hospitals and I am considered non essential. I am doing the best I can with 50 % off mu customers through COVID. As soon as the rules let up I will do great. 
I receved a notice saying to cure my default I need to pay XXXX by XX/XX/XXXX. I called on XX/XX/XXXX to make a payment and was told by XXXX Id # XXXX that the computer wouldn't accept the payment it now required XXXX I said I was instructed to pay the XXXX by XX/XX/31 and he said he was sorry but something must have changed. 
I can not pay XXXX in a lump sum
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and disputed old, obsolete, and addresses that are not mine multiple times in XXXX. They have been deleted 5 times but continue to reappear with no explanation. I have contacted all my active lenders and other bureaus and have only 1 address on file with them. Why Equifax continues to report false addresses is unexplained, unverified, and they have not provided supporting documentation for these and is a violation of FCRA to add items that have been deleted back on to a person 's report. 

7 addresses have been deleted and reappear 5 times to date. 

Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX As of XX/XX/XXXX they are again still showing. Confirmed by Equifax representative on call XX/XX/XXXX and copy of credit report XX/XX/XXXX
Product: Mortgage

Ocwen Loan Servicing is using insider relationships with its crooked law firm XXXX XXXX who is training fairly new lawyer XXXX XXXX to assist the pretender lender loan servicer with embezzlement white collar crimes so the pretender lender loan servicer can temporarily increase its revenue.. I will be filing a lawsuit again XXXX XXXX law firm and its crooked lawyer XXXX XXXX for assisting with fraud claiming to have looked at all the documents having personal knowledge using its cozy relationship with XXXX threatening me with trustee sale coursing me into hundreds of thousands of dollars in fraudulent increased modifications releasing Ocwen from liability denying me to have any rights to discuss Ocwen white collar crimes with Congress and others, attempting to trap me into a cornier during the time I was under physicians care. I have already consulted with personal injury lawyers who are currently working with authorities and my physicians on my matter preparing to file action against XXXX XXXX. I will never lay down to Ocwen white collar crimes and its shady relationship with XXXX XXXX who is assisting with embezzlement which has caused me and my family serious permanent extreme harm which can not be reversed.
Product: Checking or savings account

I had {$800.00} in eight {$100.00} bills to deposit into my Wells Fargo checking account. The ATM I used scanned all eight bills and only identified five of the bills as valid deposits. It rejected the remaining three bills and attempted to return them to me. It must have gotten jammed, as it tried repeatedly to dispense the three bills that it rejected. The bills were unable to be dispensed and the ATM eventually gave up and my transaction ended and I was logged out. The screen gave a notice that cash deposits were no longer accepted. Only {$500.00} of the total {$800.00} was deposited to my checking account. I called Wells Fargo customer service immediately to open a case regarding the transaction. They credited me the missing {$300.00} until they could investigate further. 6 weeks later I received a letter in the mail stating that my claim was denied and the {$300.00} credited to my account would be deducted again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violatated my federally protected consumer 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 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 items of information, other than recorrds of convictions of crimes which anteddates 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.