23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Mercari et al has refused to be legally/lawfully compliant & has willfully & purposefully been malicious negligent prejudice discriminated retaliated mislead misrepresented conspired by not upholding ALL of my Constitutional rights to privacy that was noticed to them under UCC 1-308 UCC 3-501 UCC 1-103 UCC 1-201 ( 31 ) UCC 3-419 UCC 1-304 UCC 3-505 ; privacy act of 1974 public law 93-579 as codified at 5 usc 552a California Civil Code CA CCP 22.2 ; 8 US Code 1401 ; Title 15 section 1681 FCRA/TILA ; 42 USC 1983 deprivation of rights ; 15 US 1692 ( a ) ( F ) ( 8 ) ; 42 US 408 ( a ) social security ; 4th amendment to US Constitutin privacy ; 18 US CODE 701 identification ; Rights with California address..Mercari et al has illegally and unlawfully demanded I provide them with a government Id and social security number that is illegal and unlawful to do theyve further more refused to provide obligatory information under the privacy act. Theyve refused to compliantly legally and lawfully respond and have instead retaliated by threatening me and to shut my account down if I do not give them this illegal and unlawful demanded information that they are not authorized to collect.I am a publicly recorded private common law non U.S. citizen American national civilian that is no subject to ANY US Citizen laws whatsoever nor may I be threatened coerced or forced under duress to be subject to. Mercari et al is aware of this and has continued prejudice discrimination conspiracy wanton negligence malice misrepresentation misleading but not limited to and has refused to produce any jurisdictionally proper legally lawful standing law that would or could support their claims allegations or demands otherwise and or any alleged contracts. I have never willingly knowingly intelligently intentionally consented agreed given permission or contracted to anything whatsoever that would or could waive my constitutional rights that must otherwise be done willingly knowingly and intelligently as th Supreme Court has ruled that is standing law.
Product: Credit reporting or other personal consumer reports

I DON'T RECOGNIZE THESE INQUIRIES ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ON EXPERIAN-XXXX XXXXXXXX XXXX
Product: Debt collection

To whom this may concern I was a victim of Identity theft on XX/XX/2018 by a Potential employer They requested my XXXX  Docs and I did provided to them. I do have a Police report number with XXXX the incident # XXXX Date the report was filed XX/XX/2018. I have a open collection with National Credit systems for over 9 K that I didnt open nor have knowledge of. Please correct this Thanks. If you have any questions please feel free to reach me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX I identified a discrepancy with account listed under XXXXXXXX XXXX XXXX and validation was requested as this was an account that I did not recognize and it is affecting my credit report. I sent a letter via USPS certified mail to all 3 credit bureaus but my credit report is still negative with items I did not authorize. I checked my credit report recently there are still accounts there that investigation did not remove it from my credit report In accordance with the fair credit reporting act, everything has to be 100 % Accrate on my credit report and Under 15 U.S Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) these Accounts are in violation and not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts/ disputed with no results and lack of commitment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. In according to the fair credit report act everything must be 100 % accurate on my credit report. 

The Credit Bureaus states my account was properly investigation but how is that possible if open dates are inaccurate, the date last active is inaccurate, and the dates last reported is inaccurate these grounds for removal they also violated my rights. 

15 U.S.C 1681 section 604 A I have the right to privacy.

15 U.S.C 1681 section 604 A sections 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


I sent a letter out on XX/XX/2024, XX/XX/2024 XX/XX/2024 to XXXX, XXXX, and Equifax. I have copies of all Letters. However, its been more than 30 days and the credit bureaus failed to send me my investigation back. This does not make any sense. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and consumer notifies the AGENCY directly or indirectly through a reseller, of such status the dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-days period beginning on the date on which the agency receives the notification of the dispute from the consumers or resellers
Product: Credit card or prepaid card

In XX/XX/2020, I went to my dentist. One ( 1 ) of the dentist 's billing assistants discussed with me opening a credit account for the dentist to charge for work not covered by my union 's dental insurance benefits. On that day in XXXX, no dental work was performed that was not covered by my union 's dental insurance benefits. I did sign papers in the dentist 's office for future financing. I asked for copies of the forms that I had signed but was told that they were cleaning the office for COVID 19 and would give me a copy after they cleaned the office. I went to my car and called to the dentist 's office for my copies, and was told that they would mail me a copy of the forms that I had signed. I was concerned so the next day I called and I told the assistant that I did not want to go forward with the treatment. Since I never received copies of the finance application in the mail, I assumed that my wishes were followed and not financing was applied for. There was a subsequent appointment scheduled for XX/XX/2020. I cancelled the XX/XX/2020 appointment in XX/XX/2020. 
In XX/XX/2020, I received a statement from Comenity Capital Bank ( XXXX XXXX XXXX XXXX ). It appears as if the billing assistant went forward with the application even though I was clear that I did not want the dental treatment that we had discussed which would require financing. I did not authorize a transaction to be charged to this line of credit. On the XX/XX/2020 statement, that I received in the mail from Comenity Capital Bank, was a {$3200.00} charge on XX/XX/2020 by " XXXX XXXX XXXX  XXXX  XXXX  Purchas -XX/XX/XXXX-MA. '' I did not know why " XXXX XXXX XXXX XXXX  XXXX  Purchas -XXXX-MA '' charged my account {$3200.00}. I called Comenity Capital Bank to complain, and they referred me to XXXX XXXX XXXX  XXXX. When I spoke with XXXX XXXX XXXX XXXX, I was told to contact my dentist. In the meantime, Comenity Bank refuses to remove the disputed charge placed against my account by " XXXX XXXX XXXX XXXX XXXX  XXXX  -XX/XX/XXXX-MA. ''
Product: Vehicle loan or lease

They restricted me from making a payment online and wouldnt respond to me. Said if I didnt make the payment they were repoing the car. It is less then 2 months behind and Ive been making payments. Then they suspended me from using the online portal to make any payments at all.
Product: Credit card or prepaid card

XX/XX/2020 I filed for my XXXX and was granted benefits. Shortly after I became employed and was getting paid every week. I forgot about the XXXX claim due to my focus on work. 
Around XXXX time my family was talking. About XXXX fraud and I remembered that I had never received my card so I asked my landlord for any mail if any that he may have still been retaining. He said no and therefore I called bofa bank of America to see what was the status on my account. I learned that my XXXX had been activated and drained of all my benefits. And not only that but they were certifying for future benefits.. I put a stop to the card and I filed a. Claim for fraud they asked me to file a police report and so I did They denied my claim. And I gave up on ever seeing the money I couldn't worry about a maybe as far as income goes so I just focused in work
Product: Mortgage

Wells Fargo continues to delay an application for refinancing. I talked to a woman named XXXX and she indicated that I would receive phone call this week and so far I have not received call. Our application started in XXXX, Wells Fargo continues to provide excuses. The last excuse is that the last loan processor was at wrong desk that 's why we did not receive call. It seems they keep delaying the process so applicant has to get hire rate.
Product: Student loan

I've been traveling outside of the country for some years now. And for some reason I checked up my credit and its been a lots of negative in there, Which I did not commit. 
I believe my name has been use in fraudulent activities, I want to get my credit back on track so I can organize my life. It has been a disaster for me to get anything under my name because of my credit. Student Loans, Credit cards and etc. I wonder how I can get some help please.
Product: Debt collection

As the consumer, I hereby dispute the accuracy and completeness of the contested information. I categorically refuse payment for the accounts associated with CREDIT ACCEPTANCE CORP, specifically account # XXXX. My primary concern lies not in validation and verification but in the existence of inaccurate data within my consumer report. 

Pursuant to UCC Article 9, the lender is obligated to furnish certain notices pertaining to the repossession and disposition of the collateral. Non-compliance with these notice requirements may have implications on the legal validity of the repossession. Notably, I have not received any deficiency notices.

I wish to assert my right to challenge misinformation, substantiated by evidence exposing questionable practices. These practices range from the use of inappropriate language intended to harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to engaging in deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ).

Failure to address this matter within the next 20 days will compel me to escalate the issue to the United States District Court. While I prefer an amicable resolution, the urgency of the situation necessitates swift attention to avert legal proceedings.
Product: Mortgage

I tried to contact Shellpoint Loan Servicing Mortgage Company on/around XX/XX/2020 to request an additional extension for a forbearance, emphasizing the importance that i would like my payments added to the end of my loan from my first request. I was informed by the first representative that all payments are due in one large sum once the forbearance is over. By the fourth representative and the constant change in stories and whats required on XX/XX/2020 after inquiring why payments were not added at the end of my loan and why they are asking for a balloon payment and in addition what happened to my second request of an extension. Its been 45 days and i have yet received a response regarding approval for my second extension nor a letter regarding my XX/XX/2020 payment. The fourth representative inquired about completing a hardship letter, my bank statements and where will i get money from to pay the bill since i did not receive any money from XX/XX/2020 til XX/XX/2020. I also complained that i am unable to access my account online. Why haven't this information been required before? In addition to my concern that i did not receive anything in writing stating my payments will be added at the end of my loan to avoid a one large sum payment, my representative is never available and i was told i can not change her, I received a foreclosure notice and my account number was attached to a man with a different address. I am concern that predatory lending/ fraud is occurring where they tell people there is help but if they cant pay they will foreclose on people homes. When i agreed to forbearance/ push my loan to the end, i read all the government information and requested the assistance accordingly. Please advise how i can obtain something in writing and ensure my loan payments is applied to the end of my loan and avoid request of one large balloon payment.
Product: Payday loan, title loan, or personal loan

I called to apply for a loan at Navy Federal Credit Union via phone with a live agent. The purpose of the loan was to consolidate credit card debt. Once the details of the loan were explained, I verbally asked the agent for clarification if I was understanding correctly that interest would not accrue until XX/XX/2022. I intended to pay a significant portion of the loan before the date provided to avoid major interest. I made the decision to go forward on the load based on the information the agent providedprimarily the fact that I wasnt accruing interest until XX/XX/XXXX. I would like for this issue to be resolved by XXXX XXXX taking responsibility for the information its employee provided by waiving the interest until XX/XX/XXXX as I understood it would be based on the information given. 





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

The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor XXXX XXXX, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. According to my credit report, the above account was noted as a repo. How can XXXX XXXX, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report. According to my file, XXXX has this account as closed as of XX/XX/2023, I WANT THIS ACCOUNT DELETED TOTALLY FROM MY FILE. If this account is not removed within 7 days, I will hire an attorney and bring suit in the amount of {$15000.00}. This amount is {$3000.00} per each violation. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) View full complaint
Product: Payday loan, title loan, or personal loan

I filed for bankruptcy, chapter XXXX, and it was discharged. This account with Navient was opened over 11 years ago, and it shows that I owe more than the original loan. I have not paid in years ( since XX/XX/2017 ) This installment loan should be charged off and deleted from my credit report based on the years it has been open and unpaid. Instead it just sits in my report negatively impacting me for years without end in sight, gathering accrued interest. I will never be able to pay this, and do not plan to pay this account. I filed chapter XXXX because of an abusive marriage and divorce, and now am a single working mother with full custody and no child support for XXXX young children. Navient has never been open to working with me in years past to resolve this, so I am asking for it be closed and removed from my report so I can try to clean up my credit and move forward in my life financially.
Product: Mortgage

In XXXX of 2020. My mortgage lender. Started a escrow account without my knowledge or my permission. ( Chase Mortgage ) I have been told by my Bank this is an illegal action. I am current with my mortgage payments. I've never been late with a mortgage payment. Chase Mortgage bought my mortgage. Or about 10 years ago. I have always paid for my own home homeowners insurance and property tax. When Chase Mortgage bought my mortgage. They bought a credit card debt. Which was in my name but used by my ex-wife. 
Chase Mortgage hounding me with at least 24 applications to refinance. I told him over the phone several times to stop sending me application to refinance. Prior to ... I sent a check for an additional payment on my principal of the loan. The regular mortgage payment and payment on the principal Separate Checks. When I did not find out ... through my bank statement that my principal payment check had been cashed they told me with my principal check had been eating by their machine. Chase Mortgage. Both checks were placed in the envelope side by side if it chewed up one check it should have chewed up the other one. I am a senior citizen and the way I was treated. I felt like they thought I was old and I couldn't do anything about it. In any event they started an escrow account in XXXX of 2020. Whereby they created their own home insurance policy. And I have homeowners insurance. I know for certain you can not have two insurance policies on the same property. already had my own homeowners, so Chase in fact took out their own homeowners insurance and created a escrow account without my knowledge. Then they put a lien on my home. What they were trying to do was collect the credit card debt that they bought when they bought my home mortgage. Or I couldn't go elsewhere and refinance my home with another lender. This can not be proper and just ... for Chase Mortgage to take this action against me since I was not behind on my payments in my mortgage. Chase Mortgage has in fact violated my rights ... as a consumer. Chase knows in fact that I can not hire a lawyer to fight my case so they think they can treat me any way they please. Well, this is an outrage to treat a senior citizen and such a horrible manner. Mainly I want to know what can be done about Chase Mortgage. I found out for my banker that they can not start an escrow account without my signature on my consent. Chase Mortgage did in fact break the law!!! They in fact have the lowest satisfaction rate..of any mortgage company across the USA ... Chase mortgages rating with their consumers is in the 60 % range. For I am definitely not the only person. That has their problems with Chase Mortgage. Please advise on what I should do or how I should proceed with this matter. I live alone, I have no one to help me whatsoever. Chase Mortgage is trying to intimidate me. Or bully me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a request for {$300.00} on Venmo from a friend who I had previously exchanged money with on Venmo. The request came from the same name, profile picture, and unique username as my friend 's account so I accepted the request. I later found out that my friend never initiated the request. The request never showed up on my friend 's account and the money never went into their account. I contacted Venmo once I found out the charge was fraudulent. After a brief email exchange with a venmo representative, I was told that venmo would not reimburse the money that was fraudulently taken from my account despite the fact that the information on Venmo 's service was inaccurate.
Product: Debt collection

I have been a customer of XXXX for many years, with consistent on-time payments for the duration of my relationship with them. While continuing to make regular monthly payments for my internet and television service, I received a collection notice for {$59.00}. At no point did I receive a billing statement for this amount from XXXX and several attempts to obtain a billing statement from the company after receiving the collection notice ( my first contact about this amount due ) were fruitless. XXXX representatives repeatedly told me I had to find out from the collection agency, while representatives from the collection agency were referring me back to XXXX. To this point ( XXXX XXXX ), I have been unable to get a billing statement outlining what this amount is for and I have not been provided an opportunity to challenge this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account undersea open end consumer credit plan as late fr purpose.