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

On XX/XX/023 I applied for an Auto Loan with Bank of America in which they denied me an extension of my credit for {$30000.00} for a Truck with 60 Month Term. This violates my rights as I am a consumer and natural person. This adverse action against a consumer is against the law according to the Equal Credit Opportunity act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 usc 1692k. You are subject to criminally liability for violating 15 USC 1691 as I have Proof that I was discriminated against by Bank of America due to the response I received. Bank of America is in violation of 15 USC 1642, USC 1681m and 12 Cfr 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit Card ) was used and I received No benefit. This is more proof of Fraudulent activity ( unauthorized use of credit card ) on behalf of Bank of America. If Bank of America fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Bank of America criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.
Product: Debt collection

Following was the sequence of events that happened to me with a purchase from XX/XX/XXXX Day after XXXX, opened a Red card from Target with purchase of XXXX dollars. Do not remember signing up for paperless statements, but I missed the XXXX statement, their rep called me on XXXX XXXX, I asked for a waiver on late fee, and they agreed to it, I wanted to pay it off in full. Since I was driving when she called did not remember the original amount, I just asked for full payoff amount which was she said was XXXX dollars, but she gave me minimum amount due. For next XXXX months I did not get any bill in emails or hard copy. I got call from collection agency in XXXX, that I owe XXXX dollars. Most of which are late fee. Now when I am disputing that I asked for full payment in XXXX, they are saying that it is only minimum payment, when I ask for voice recording, they said they can not provide. Since our agreement was only verbal, that is the only proof I have. Are there any other options for me apart from paying XXXX dollars which I think is totally not fair. 

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

Account number XXXX XXXX  This account was set up to help build credit. And a monthly payment is made and saved into a untouchable account till the XXXX is paid with 12 consistent payments. 
I was understanding that I could cancel at anytime. This was cancelled because I just suffered from a declared disaster from hurricane XXXX and now COVID. As I tried to cancel this and thought it was until it showed up on credit report
Product: Debt collection

To review with their client the debt was XXXX  by XXXX XXXX showing XXXX XXXX  balance the refussed to accept or acknowledge debt was cleared even though their client XXXX the debt was owed provided verification the debt was paid even after showing the Kansas counselors law firm the reciept invoice XXXX debt was paid and now reflects a XXXX XXXX  balance paid in full by XXXX XXXX XXXX XXXX XXXX I will attach the verification documents XXXX XXXX accepted letter as well as the verification invoice reciept from the debtor showing balance paid by their finacial assistance reflecting debt paid XXXX dollar balance so XXXX can remove this negative mark from my record along with XXXX and XXXX as the mark has been devastating to my credit and XXXX has also recieved these verification documents showing balance paod in full as has also refussed to remove the mark despite having on file the reciept invoice from the debtor showing the XXXX XXXX  balance debt paid in full so I am requesting investigation into the matter seeking fair credit Reporting I appreciate you taking the time to review the matter and tour advocacy to correctly reflect an accurate and fair credit report
Product: Vehicle loan or lease

Wells fargo took my car with my personal belongings with out notifications and I never got anything back. They sold my car on action for more then car worse but they was still trying make me pay, when I refused, they report and ruling my credit and live me strolling to get car or place to live. I would like to make them pay to what they done to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, Transunion ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( SELF XXXX XXXX  ) Making the report is NOT INCLUDED ON MY Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report! 

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX  XXXX XXXX  Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n
Product: Mortgage

It is the second time since I refinanced my mortgage with AFR. Since I got my very first statement, I tried to register my account on their website ( provided in the statement ) to set up automated monthly card payments. I keep getting " No Records Found-Error '' and unable to register my account. I have called AFR multiple times, spending at least five hours total on hold. I was told by at least four representatives that my problem will be resolved in the next 48 hours. During each conversation they prompted me to pay by the phone which I don't like doing. Still, after two weeks that my issue hasn't been resolved, I paid by phone. Now, a month later, I still am unable to register my account. I refuse to have to call AFR every month to make a payment and not have access to online payments as they state to view the status of my loan and set up automated payments. This is blatant disregard for the services they are meant to offer as a loan servicer.
Product: Credit reporting

I have XXXX related " hard '' inquiries on my credit report from " Factual Data '' relating to a sub prime business loan with XXXX XXXX XXXX. XXXX inquiry on XXXX XXXX 2016, and the other on XXXX XXXX 2016. This loan has been paid in full. I advised this company repeatedly to not procure credit status inquiries from me using this method but to use the more customary " soft '' inquiry method thus not impacting my credit score. They ignored my repeated requests, However a XXXX inquiry on or about XXXX 2016 was removed as a result of a complaint I made to CFPB.
Product: Debt collection

TO WHOM IT MAY CONCERN JEFFERSON CAPITAL SYSTEMS ARE REPORTING A FRAUDULENT ACCOUNT TO MY CREDIT REPORT THAT DOES NOT BELONG TO ME TO ALL THREE CREDIT BUREAUS. I SENT A LETTER ASKING FOR VALIDITY OF THE ACCOUNT IN QUESTION TO PROVE THIS ACCOUNT IS ACCURATELY REPORTING ON THE RIGHT PERSONS FILE BACK ON XXXX XXXX AND I HAVE YET TO GET A RESPONSE. I CLEARLY STATED THAT I WAS NOT ASKING FOR VERIFICATION OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVED NAMED TITLE SECTION OF THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec.809 ( b ). THAT THEIR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. AN BASED ON THE FTC SITE I KNOW THEY HAVE STRICT POLICIES IN REGARD TO YOU REPORTING CONSUMER DATA. I ASK THE TO SHOW ME PROOF THAT THEIR REPORTING IS 100 % ACCURATE. DO NOT SEND ME A GENERIC PRINT OUT OR A BILLING STATEMENT. PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE.
Product: Credit reporting, credit repair services, 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. 


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: Debt collection

we have sign up for waste connection waste removal with company they have never showed up on the day they scheduled to pick up we had to call days and many times this service to be completed even then still never done on timely manners one time they didn't pick up the dumpster on the day even 3 more days so we ended up receiving violation ticket for {$250.00} we have contacted with company but never resolved this matter at the end I aske them to stop service and remove the dumpster from my property even this act tokk 3 weeks and seems like they charged as well at the time I received my invoice was {$600.00} and I offered to pay half after deducting the paid city violation ticket but they were not willing to do that even it was their fault not sure how did they ended up {$1600.00} I have no such a bill and I only been with them 2 months contract was {$140.00} i do not agree this charges and accept any communications with this people they are horrible company
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false accounts with XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts have denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed late payment errors on my credit report, which are inconsistent with my payment history. Please make the necessary corrections and update my account. Thanks!
Product: Credit reporting or other personal consumer reports

I've contacted Experian on multiple occasions showing providing a police report and identity theft reports to the following accounts and they refuse to send verifiable proof that these accounts belong to me. They refuse to send me the requested information and do a accurate investigation into my identify theft. 

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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has pulled my credit and I have never used any XXXX XXXX service and the inquiry is fraudulent
Product: Mortgage

Mortgage was due for XX/XX/XXXX. Unable to make payment online due to account status staying in loss mitigation codes despite account being current. Had to make remaining XXXX payment of {$90.00} on XX/XX/XXXX. Was charged convenience fee of XXXX despite numerous attempts to make payment online and over phone to get fee waived since its illegal to charge processing fees for mortgage payment in XXXX XXXX. XXXX  days later the funds stayed in unnapplied equaling a full payment of {$1300.00}. Status still showing due XX/XX/XXXX online and unable to make payment for XXXX except over the phone. Was forced to pay processing fee which once again is illegal in XXXX XXXX.
Product: Debt collection

Block and remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to XXXX  or automated verification. I demand swift resolution to this matter. XXXX XXXX AUTO XXXX XXXX Date Opened : XX/XX/year> Balance : XXXX. Please delete this fraudulent account ASAP.
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 rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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- schools ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX 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 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

A creditor has changed the charge off date on my credit report. They have changed information on file for the past XXXX years and are now reporting that there was ND no data. They have changed the date that the report will be removed so that this will remain on the report for XXXX years. In the state of FL the statute of limitations is XXXX years. Experian agreed to remove this from my credit report just as it has been removed from the other two agencies but they have instead concluded their investigation without changing anything. They are allowing this creditor to continue to report false information and information that they actually have on file as accurate. They have changed the removal date from XX/XX/XXXX to XX/XX/XXXX which means that this account will be reporting for XXXX years. I have tried the dispute route with Experian and was given a dispute number over the phone. I was told that the account was being removed. They made a 3 way call to the creditor with me and the creditor was unable to find me in their system because the information has been removed. Experian told me that they do not understand what is going on so they were going to remove it from my report. They have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit card

XX/XX/2024, on a social media platform, XXXX XXXX, also known as XXXXXXXX XXXX, promoted his services stating that he is a certified paralegal with an XXXX license in the State of Delaware and knows how to help with court cases and Trust documents. He kept pushing his services on me, and since I have extenuating family circumstances, such as a severly ill family member, I needed assistance with my court case. XX/XX/2024, XXXX XXXX initially wanted to charge me XXXX, but then stated it will be XXXX via paypal with purchase gurantee, for the services. I tendered the payment, and thus he was supposed to send an agreement, with a gurantee clause with proof of his XXXX certification. Two days went by, and no response no paperwork by email. He was given all the information required. I then spoke with him, asking for the required paperwork. He gave me the run around. I then asked others on the social media platform if they have testimonies of his work ethics, and found out that he was blocked from other groups, because he had scammed others out of their money. I did some research and found he lost his cases and was not certified by the XXXX as a paralegal. I then submitted a claim to Paypal for the refund stating that I was a victim of fraud and a scam. I called them, and they stated it will take 10 days to complete the investigation, but this also means they are holding the funds from me. Claims of fraud and scam, by law, are permitted to be sent back to the customer. They are requesting the seller to send them a certified mailing number to release the funds to him, meanwhile, I alerted them he is a scam artist and fraud. I demand paypal to release the XXXX to me immediately. The funds are apart of Trust property, in such, the Trust will have rights to sue for each day the funds are withheld, up to {$5000.00} a day.
Product: Credit reporting or other personal consumer reports

I HAVE PLEADED WITH SECU TO PROVIDE ME WITH A 1099C FORM AND/OR CANCELLATION OF DEBT FORM.THIS CREDITOR HAS WRITTEN OFF THE ACCOUNT AND HAS NOT PROVIDED THE MANDATORY 1099C FORM, PER IRS XXXX NOT ONLY IS THIS COMPANY REPORTING INCOME AS DEBT, BUT ADDING LATE PAYMENTS ON A CHARGED-OFF ACCOUNT AS OF XX/XX/24. 

REPORTING TAXABLE INCOME AS DEBT AND LATE PAYMENTS IS IN VIOLATION OF 15 USC 1681E ( B ). THIS COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CREDIT REPORT. 
FURTHER REPORTING THIS INACCURATE INFORMATION AFTER WRITING THIS ACCOUNT OFF WITHOUT MY WRITTEN PERMISSION IS IN VIOLATION OF 15 USC 1681B. I AM LEGALLY SEEKING MONETARY IF NOT RESOLVED WITHIN THE NEXT 30 DAYS
Product: Credit card or prepaid card

I paid {$1500.00} as a down payment via Pentagon Federal Credit Union ( Penfed ) for XXXX XXXX XXXX XXXX ( XXXX ) to remove and replace my 11 year old master bathroom shower. The contract was sighed on XX/XX/2022 and a technician came to my home on XX/XX/2022 to take measurements. No one else from XXXX has been to my home since. I filed a credit card dispute with PenFed C/U, of which, I was recredited the {$1500.00}. In XXXX 2022, XXXX rebutted the charge by stating that they had completed the installation of the new shower. XXXX XXXX XXXX in the credit card dispute department reversed the credit she had given me because of their rebuttal. I had to go through the manager XXXX XXXX to have her call me to explain why the credit was reversed. She stated that she had sent me a letter explaining why, I never received any such letter from her! I asked for a copy of XXXX rebuttal which she finally sent to me. Besides XXXX stating that they had completed the project, they sent in a picture of my present 11 year old shower that their salesman or technician had taken. I took pictures of my current 11 year old shower and a new contract quote from another contactor which shows that the shower isn't new. Therefore, I filed another dispute which XXXX XXXX has refused to process or contact me concerning the issue although I've made numerous requests as far as the status of case number : XXXX. I'm now locked out of the contact with the manager, XXXX XXXX. I am a 100 % disable veteran on a fixed income and I need my {$1500.00}.