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

On XX/XX/XXXX I financed a vehicle with XXXX XXXX 's with Auto Now being the lender. My down payment was paid via debit card and the money was debited from my bank account immediately. 

A few days later my card issuer, XXXX XXXX, contacted me in regards a to a suspicious transaction due to it being larger than most of my purchases. from a company under a different name than XXXX XXXX 's or Auto Now. Due to the company not being under the name I've heard of I stated that the charge was unauthorized. 

On XX/XX/XXXX I was contacted by XXXX from XXXX XXXX 's in regards to a chargeback that AutoNow received on my down payment due to the dispute XXXX XXXX opened for the charge. It was then made clear to me that the disputed charge was valid. 

After that point, I contacted my XXXX XXXX to let them I was withdrawing my claim and the charge was valid and the claim should be closed in favor of the merchant, which XXXX XXXX received and acknowledged. 

Everyday since XX/XX/XXXX XXXX from XXXX XXXX 's has called me for an update on what XXXX XXXX said and I have kept him up to date with every email. XXXX XXXX has stated that the claim is still being reviewed and will will be closed by XX/XX/XXXX. 

Due to my loan being with Auto Now I decided to give them a call on XX/XX/XXXX to discuss the matter. When mentioned the situation to the representative at Auto Now they stated there is no problem with my account and all payments are in good standing. Following this conversation I payed Auto Now a total of {$590.00} for the monthly car note, license plates, registration, and collateral insurance. 



Today XX/XX/XXXX I received a call from XXXX XXXX 's stating Auto Now would be repossessing my vehicle if I did not bring them {$2000.00} in cash by XXXX today. 

I have made all of my payments on time and they have taken my money with no problem. Now they're threatening to repossess my vehicle regardless of XXXX XXXX holding the funds and regardless of me making my payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize none of the following inquiries on my credit report and I do not recognize them. 

XXXX XXXX Consumer Portfolio Services XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.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

This debt collector engaged in abusive deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon, and I didnt sign an agreement on. A legal contact signed by two parties, and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make these unfair practices. According to the FDPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Debt collection

Collection company was paid completely, this was verified with the local courts using cause number. Debt collector is harassing my employer, now attempting to have a garnishment through the courts on my paycheck for exact same amount as was paid in full and verified. I also have the information from the courts showing this was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively disputing an account with XXXX XXXX XXXX XXXX for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, Experian, XXXX and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and XXXX are reporting a high balance of {$6600.00} on a closed account, and the Experian is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with Experian, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXX credit Services, yet XXXX is reporting. Please remove from my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my account for XXXX XXXX XXXX XXXX  account # XXXX was removed from my XXXX credit report and in accordance with fcra information should be the same across all accounts and verifiable so this account should be removed from trans union and experience as well
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX, OH XXXX. I request that my current address be updated accordingly and the previous update. 

XXXX. Employers : My current employer is XXXX. I request that my new employer, be updated as my primary.
Product: Prepaid card

THIS XX/XX/XXXX HAS DECIDED TO DEDUCT XXXX ON XX/XX/XXXX FROM MY ACCOUNT AFTER IT WAS CREDITED TO ME ON XX/XX/XXXX DUE TO SOMEONE USING MY CARD ON XX/XX/XXXX, IN WHICH I DID NOT AUTHORIZE IN THE AMOUNT OF XXXX. PLEASE HELP ME RECOVER MY FUNDS DUE TO SOMEONE USING MY CARD DETAILS
Product: Debt collection

During the COVID 19 Emergency, 1. ) ( SPS ) Select Portfolio Servicing ( AND XXXX XXXX XXXX Trustee ) has refused our request for Forbearance during the COVID 19 Emergency Period on ; XX/XX/2020, XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020. 
2. ) The foreclosing attorney for the Plaintiff, XXXX XXXX, XXXX  ( Trustee ) Select Portfolio Servicing on XX/XX/2020, XX/XX/2020 and XX/XX/2020 contacted us via email through our attorney offering us money to vacate our sole/primary residence. We did not ask for a relocation settlement/assistance as this a contested foreclosure. The repeated solicitations for us to vacate our residence using financial enticement of {$10000.00} during the COVID19 Emergency Period is abusive, cruel, reckless and has caused our family severe emotional distress. 
Servicer : : Select Portfolio Servicing ( Loan # XXXX ) Trustee : : XXXX XXXX, XXXX  ( XXXX XXXX XXXX Trust Services ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am in receipt of a Mortgage Statement dated XX/XX/XXXX which states that as of XX/XX/XXXX, I owe the amount of {$77000.00} on the loan. 
I am disputing this claimed amount for the following reasons : 1. The above stated amount does not take into consideration my ongoing dispute sinceXX/XX/XXXX with XXXX XXXX and then XXXX and now SPS regarding non credited payments which I made on my mortgage account and excessive escrow charges made on my accou8nt in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.  I have sent 196 pages of bank records to XXXX and now to SPS supporting my claim Still the only response I have had from SPS is to send me a payment history from XX/XX/XXXX onward which does not acknowledge my prior claim for the above mentioned years. These bank errors go back to XX/XX/XXXX when XXXX  XXXX made a loan modification on the loan. And now SPS is legally responsible for prior bank errors made on my loan and for mistakes made on prior modifications. And as I have pointed out before I have been disputing these bank errors since XX/XX/XXXX. I have made continual requests for someone from the SPS accounting department to reach out to me to solve this problem. So far no one has contacted me from the accounting. And since they have not addressed or credited my account the accrued interest due to me for excessive escrow charges made to my account or for accrued interest and capitalization charges made to my account, I am hereby disputing the claimed amount of {$77000.00} by SPS.

I view this as an unacceptable business practice and illegal because SPS bought the servicing rights to my loan from XXXX and therefore SPS is responsible for past bank errors on the account. 
The contention of SPS that since I signed a modification agreement in XX/XX/XXXX which brought my account current and therefore that I agreed to the modification terms does not excuse prior bank errors made on my account since XX/XX/XXXX because SPS by acquiring the servicing rights on my loan, acquired the prior liabilities of the prior loan servicer which was XXXX  XXXX and then XXXX. 
In addition to the above issues is the issue of excessive amounts capitalized into my mortgage balance since XX/XX/XXXX which amounts to {$170000.00} since XX/XX/XXXX. I have analyzed this account and have submitted extensive bank records to this effort and have determined that the amount of {$100000.00} is owed to my mortgage account for excessive interest, administrative charges, non-credited payments, excessive escrow and insurance charges plus applicable interest. And the fact that I signed a modification agreement on XX/XX/XXXX does not nullify the fact that errors were made on my mortgage account and does not render my claim as being invalid and the fact that credit is owed to my mortgage account for past bank errors made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I am filing a formal complaint against Unlock Technologies regarding serious issues I have encountered with their Home Equity Line of Credit ( HELOC ) process.

Diff

iculty Accessing the Closing Disclosure Unlocks website does not provide a clear or accessible way to locate my Closing Disclosure. As a borrower, I should have easy access to this document, but despite my efforts, I have been unable to retrieve it. Failure to Provide the Notice of Rescission I never received my Notice of Rescission, which is a required disclosure that informs borrowers of their right to cancel within the designated period. This omission has left me unsure of my legal rights and whether I still have the ability to rescind my loan. 
Lack of Communication Unlock has not provided clear or timely communication regarding my HELOC. I have reached out for assistance and clarification but have not received adequate responses. This lack of transparency makes it difficult to understand the full terms of my loan and any necessary actions I need to take.

I request the CFPBs assistance in investigating these issues and ensuring that Unlock complies with all applicable lending and disclosure laws. Specifically, I would like to receive a copy of my Closing Disclosure, my Notice of Rescission, and an explanation of my current loan status.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed Fraudulent inquiries that need to be immediately DELETED on grounds of IDENTITY THEFT, and Personal information that needs to be immediately UPDATED. Pursuant to 15 USC 1681c-2 I DID NOT originate nor authorize the following Inquiries.

Also, Pursuant to 15 USC 1681s-2 and 15 USC 1681e ( b ) please update the following personal information as well. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX 
DELETE FORMER NAME : XXXX XXXX XXXX, XXXX XXXX AbdullahMD. DELETE FORMER ADDRESS : XXXX XXXX XXXX, XXXX XXXX. ADD NAME : XXXX XXXX XXXX. DELETE INQUIRIES : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. SEE FTC ATTACHMENT
Product: Payday loan, title loan, or personal loan

I cosigned on a loan with my Mom to get her windows replaced. We were approved with two different lenders. The contractor ( XXXXXXXX XXXX XXXXXXXX ) funded the job from the wrong loan ( the Greensky loan ). I made greensky aware of this and they refuse to close the account. They have said I'm still liable for the loan even though XXXX XXXX XXXXXXXX made them aware of the issue and had my account credited for the {$6200.00} that was taken out. The balance is now {$0.00} and they still won't close my account. They also pushed back the " complete purchases by '' date without my knowledge.
Product: Checking or savings account

On XX/XX/XXXX I noticed XXXX was taken from my account leaving me with XXXX. Then locked my account so when the XXXX XXXX did come XXXX XXXX later I still wasn't able to access it. With XXXX threats, XXXX, and XXXX they unlock it. XX/XX/XXXX I woke up to XXXX in my account this time they allowed someone to take XXXX from my account. Account is locked again after verifying myself with XXXX, as well as XXXX XXXX Now I'm fighting for my XXXX. This in cause left me XXXX, unable to provide for my kids, as well as pay my bills.
Product: Credit card or prepaid card

Spoke to XXXX  from relia card she won't credit provisional the account for a dispute where it is infact in the card agreement that they have 10 business days to do so section 17. subsection D. I would like to have a provisional credit asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

YESTERDAY I SUBMITTED A REPORT WITH YOU GUYS REGARDING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT AND I HAVE YET TO HEAR BACK FROM ANY OF THE BUREAUS REGARDING THESE CIRCUMSTANCES.ALL OF THE DOCUMENTATION WAS SENT TO THEM. BELOW IS ANOTHER ACCOUNT THAT I FORGOT TO INCLUDE IN MY LAST REPORT. 

XXXX XXXX XXXX opened XX/XX/2020 {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX  # XXXX ), ( XXXX XXXX XXXXXXXX XXXX # XXXX ), ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  # XXXX ) ( XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested before that XXXXdept. of ed. to stop furnishing information about a student loan to my consumer report. I am demanding that they stop reporting to my consumer report/ credit file immediately. XXXX stated in a responds to me that, " we are also REQUIRED to report the loan status and balance to the national consumer reporting agencies ''. Please show me where in the ( fdcpa ), ( fcra ) OR FEDERAL LAW that states that you are mandated to report to the consumer reporting agency. Please send me PROOF. I requested this information before and you claim according to student aid/dept of edu that they require for you to report according to your contract with them. Since when company policy overrides the Law? That mean you and those companies are violating law. According to LAW 3.1.1 CFPB, it states that reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been.

Then you stated. " Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish to consumer reporting agencies is accurate. '' This statement is true but you need to be more specific about this statement. This statement claims in layman 's terms, IF any furnisher reports to the CRA 's it has to report accurate information, but no where does it says that furnisher 's are obligated to report. In addition, according to the FCRA, I have never given written instructions or permission to report to my consumer report/credit file. please send me proof that I gave written instruction. But I am giving written instruction to remove this from my credit file IMMEDIATELY. I am sending out an affidavit of truth to the email, through cfpb and via mail.
Product: Credit card or prepaid card

XXXX XXXX via TD Bank does not allow payments other than the minimum amount through their automated payment system. This forces anyone who only pays through this system to pay interest at the end of a promotional 0 % interest rate since charges for device protection are added to the account balance each month. I spoke with a representative who informed me that " the system is set up to only allow the minimum due to be paid automatically. '' I believe this practice is unfair, at best, since many do not have access to free bill pay and predatory at worst - the minimum amount is the amount that would pay off the balance in time when other charges aren't added.
Product: Checking or savings account

I received an email on XXXX stating that my Chime checking account was placed on hold. I emailed that back a couple of days later to see what I needed to provide to get my account unlocked. I didn't receive an email back till almost a week later asking for documents like proof of address, ID and statement for the incoming deposits. I get direct deposit from my employer into my account as well as my XXXX that I have open as well. I also get deposits from friends and families when they XXXX XXXX me. I provided all documents Chime had requested. I kept getting the same email over and over asking for the same documents and that they're sorry they couldn't complete the verification. I have called customer support and all they could do for me is " escalate '' the ticket and to wait 24 hours. I have given them plenty of time to verify my identity. I have rent this week and my employer had already submitted payroll this Wednesday so I was not able to cancel my direct deposit for this payroll. She had also messaged me this morning and told me that the direct deposit went through when the representative I spoke to at Chime said that " Since your account is on hold, any incoming deposits will be returned to the issuer in 1-3 days. ". Then why did my employer say it went through? I'm highly dissatisfied with Chime and their customer support. I can't access my funds I've worked for to pay for rent and will be evicted soon if I do not pay. How can I do that if my funds are stuck in an account that Chime refuses to unlock even though I've given the proper documents they've asked for. This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX DATE XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 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 ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Debt collection

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've iPlease Block and remove the inaccurate accounts being reported on my credit report
Product: Credit reporting or other personal consumer reports

This is my refilling of complaint to EQUIFAX for allowing unauthorized inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX