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

Harley Davidson Credit XXXX # XXXX Dear Customer Service : My credit report reflects an account with Harley Davidson Credit. This account was closed and vehicle voluntarily returned before I filed a Chapter XXXX bankruptcy. It was agreed that XXXX XXXX would remove this report from my credit history upon return of their collateral, a XXXX XXXX XXXX XXXX XXXX. 

Additionally, the loan which I received from Harley Davidson Credit was very unfavorable and the terms of the loan made it almost impossible for me to be successful. My interest rate was XXXX % and my monthly payment was {$470.00} over a XXXX period. At the onset of the loan, I questioned the very high interest rate based upon my current XXXX income and my debt to income ratios. I believe Harley Davidson Credit provided me with a loan product that was unsustainable and knew eventually theyd be able to recover their collateral and sell it for almost the same value which I paid. 

I am reaching out to you to request assistance in removing this item from all three credit bureau reports. This item is a blemish on my record and I believe had my income been examined more closely, it would have resulted in a payment that was affordable or the loan being denied due to lack of sufficient income. Unfortunately, this item has put me into a category which has led other creditors want to extend credit at very unfavorable terms. 

Please do not hesitate to reach me if you require additional details or further explanation.
Product: Credit card

I contacted Capital One to inform them that I lost job, unable to make payments for my account. Therefore, I was enrolled in the Hardship & Assistance Program. Initial enrollment details given were that program pauses the account for any fees and do NOT report to on credit report nor to credit bureaus for several months or cycles. However the information given was inaccurate and misleading of the program offers. After checking my credit report few weeks later I discovered it report so I contacted Capital One regarding the inaccurate info given that resulted in a poorly negative reflection on my credit report tremendously dropped approximately XXXX. due to the inaccurate information the product offered. Finally, I contacted Capital One to make an payment for the account. If the information was accurate and correct initially there would NOT be confusion and a payment would have been made, the customer service and Mgmt. Team they quickly understood the situation and responded quickly by disputing the inacurrate delinquent report but have yet to receive any correspondence. Since then, I have contacted Capital One on several occasions but was once told there has n't been correspondence recieved and instructed me to contact the credit bureaus. 

Thanks, 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Bankruptcy : Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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, credit repair services, or other personal consumer reports

YOU ARE BREAKING THE LAW!!! 

RE : Late Payment Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX I noticed that my consumer report has been adversely affected due to an inaccurate late payment. I believe XXXX, Experian, and XXXX are violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provides me with documentary evidence that clarifies this billing error. 

XXXX CFR XXXX ( i ) states that a consumer credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section. In accordance with Regulation Z, you can be fined for giving false and inaccurate information. I do not consent nor give these consumer reporting agencies permission to furnish this negative information pursuant to 15 USC 1681b ( a ) ( 2 ). 

No law under the Fair Credit Reporting Act requires XXXX, Experian, and XXXX to furnish negative information to my consumer report. Furnishing false credit information is a violation of federal law and a violation of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY. XXXX Im not residing nor do have any more information about the property or the residence of the site that this company claims to be issuing me a warning about usage of some sort of service. Im not sure they have noticed that services were not in my name and they have been non cooperative to show me a proof or provide legal documents that XXXX XXXX received or is legally allowed to receive US Mail for any notification at the above address. They have the intelligence to inform me that they have communicated with someone else on my behalf. They claim the conversation is on a call recording. Are you going to admit that you are braking privacy law? Did XXXX XXXX receive any certified mail by you?
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT ALL XXXX CREDIT REPORTING COMPANIES LETTERS TO VERIFY THE ACCOUNTS THAT ARE ON MY REPORT. XXXX XXXX, EXPERIAN, AND XXXX ARE REPORTING DIFFERENT THINGS ON MY CREDIT REPORT. NONE OF MY PERSONAL INFORMATION IS THE SAME. AGAIN I HAVE NOT RECEIVED A RESPONSE FROM EITHER OF THEM, I THEN SENT A COMPLAINT TO YOUR COMPANY ABOUT THEM AND YOUR COMPANY WHICH IS SUPPOSED TO BE FAIR TO THE CONSUMER THEN INFORMED ME OF THE COMPANY RESPONSE. FIRST, NEITHER OF THE CREDIT REPORTING AGENCIES HAS SENT ME ANY PROOF OF DEBT. I DON`T CARE WHAT A COMPANY SAYS IS MINES I WANT PROOF OF DEBT AND PROOF THAT I APPLIED FOR THE CREDIT THEY ARE REPORTING AS A INQUIRY. I SHOULDN'T HAVE TO GO BACK AND FORWARD WITH THEM ABOUT MAKING SURE THE STUFF THEY REPORT IS ACCURATE. YOUR COMPANY ALREADY KNOWS THE LAW SO I DON`T HAVE TO TELL YOU MY RIGHTS AS A CONSUMER. NOW, I HAVE STATED THE INFORMATION THAT IS BEING REPORTED IS INACCURATE AND FALSE AND I WANT IT DELETED. IF I NEED TO GET A LAWYER INVOLVED I WILL BUT YALL ARE GOING TO DO WHAT'S RIGHT BECAUSE YOU ARE OBLIGATED TO DO SO. THE FOLLOWING ACCOUNTS ARE INACCURATE AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND XXXX
Product: Debt collection

I was granted by a Providian Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX that hamper my movement at work and got layed-off. I informed the Providian Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to XXXX. It was Handled by Atty.XXXX with postal address at XXXX, XXXX XXXX. I was n't able to attend the hearing due to the XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX that has XXXX and the XXXX. And no hearing aid was advisable for me anymore. Except surgery w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the Providian Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of XXXX in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX. Now, I am XXXX with XXXX. But, Atty. XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The XXXX never gave me any last statement from the Providian Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the XXXX no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the Providian bank. Atty. XXXX never inform me that the XXXX was already dissolved and he is still representing the XXXX to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for 18th months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the Providian bank will proved that they have been taking monthly payment for Protection plan from me. the reason the XXXX Supreme Court had slap a XXXX fine at the Providian Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.
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. 

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

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

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

I have received an attempt to validate a debt in pursuant to 15 usc 1692g unless you are providing all 5 requirements the alleged debt is not valid. I am demanding my audit trail ( file 15 usc 1681a ( g ) ) send me my file. 

I've also overlooked the truth in lending disclusure and in pursuant to 15 usc 1605 the finance charge is the sum of all charges. Therefore if the amount financed which it very clearly states thats the amount that was provided to me on my behalf covered the finance charge, yet they used this deceptive form and language using adverb verb. The finance charge was {$160.00} and the amount financed was {$1000.00} the documents show everything but you guys misused my credit and have been collecting on something thats been paid. In pursuant to 15 USC 1692e false and misleading information I am demanding that you provide me with my file both on ledger and off ledger. You guys are double dipping and have already been credited, further more in your response you used a symbol and in pursuant to 15 usc 1692b ( 5 ) you guys are in clear violation of my consumer rights and I in pursuant 15 usc 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Therefore if no one is willing to comply I will start coming for redemption as you guys have already been credited because of the fact that I granted you guys this right. I can start coming for remedy I am simply demanding deletion for reporting late payments on my report even though the account Is already paid
Product: Mortgage

A lawyer and I have been work with Ocwen for about wo years trying to get thing done that they asked us to do and still have not gotten any where with them. This lawyer can not handle this he asked that I will get with you all to see what can be done. I have information to e-mail to you from his office and material to mail to you from him that you need to see. Please get with me as soon as possible so I can get this to you I can e-mail this to day or tomorrow in his note he said he will give you all information that is needed. Thanks XXXX XXXX, Yes got behind but did everything they asked us to do to sell this house. we have the process and steps I had done to get this house sold and also they ask me to give it back to them tried that. you have to look at what the Lawyer did.
Product: Checking or savings account

On XX/XX/2022 I went to Old National Bank in XXXX, Illinois to the bank atm located right outside in the drive thru to deposit cash into my checking account. The atm took the cash and showed a message stating that the atm could not take all of the bills and the message continue to show for several minutes. After this it printed a receipt was given stating to contact your financial institution. No money came back out of the atm and no money was deposited into the bank account. The teller as the bank stated they have never had an issue like this and told me I should have come in to make a deposit. In this case they should not have an atm outside to deposit cash. A dispute was filed with the bank.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I moved into a brand new house in 2022. I contacted XXXX secure XXXX alarms. Its located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX. In a nutshell, The alarm didnt work the following day was installed. I mustve called XXXX XXXX times and the XXXX himself who kept ghosting me. So for about XXXX months of paying for a service that did not work and no one calling me back. I took all the leads and central box off, put it in the bag and got a new alarm system. I tried numerous attempts to call the business in XXXX to drop off their equipment to no avail. Shame on me they got XXXX star review I shouldve checked and they have numerous complaints with the attorney general for the state of Arizona. I just saw XXXX XXXX XXXX and I thought it would be a trusted company. But this company is like a spinoff of XXXX. I dont know how they get to use their name. I disputed this claim with all the XXXX credit reporting agencies and one took it off and the other two didnt I dont know why. I am XXXX XXXX XXXX. Ive owned numerous properties and real estate and never had bad credit. This is a Sham company it lowered my credit score XXXX points for this nonsense. You could do a check on me and see all my mortgages have never been late or utilities. Please help me out in this. Its hurting my credit. I am retired. I cant have this. 
The name of the credit company that this sham XXXX uses is called account resolution corporation XXXX XXXX XXXX, XXXX, MO XXXX. Phone number is 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 XXXXXXXX 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 XXXX 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: Mortgage

In reference to my complaint number # XXXX I add as addendum the following ( 1 ) The Bank of America notification of denial for HAMP modification options and notification 45 days for me to move to forced short sale is based on the fact that the property is a rental and I do not live there as my primary residence. However according to the the government, the Home Affordable Modification Program and National Attorney General and Treasury Dept Settlement terms in addition to my medical bill burdens, " Owners of rental properties and homeowners burdened by XXXX expenses are now eligible for mortgage relief under a new expansion of the Home Affordable Modification Program ( HAMP ). '' " Changes announced by the Treasury Department extend eligibility for the mortgage loan modification program to several categories of homeowners who were previously ineligible. Along with owners of rental properties, the new guidelines expand the program to include homeowners with heavy debt burdens from medical bills, XXXX liens or other debts separate from their primary mortgage payment. '' ( 2 ) The bank letter further references designating an income for me of {$5200.00} for me but does not provide detail, breakdown or analysis of how this amount was calculated by the bank
Product: Payday loan, title loan, personal loan, or advance loan

Upon checking my credit report there were things that I noticed I did not do witch is causing my credit to be bad.
Product: Debt collection

Calvalry portfolio service at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Product: Debt collection

During my divorce 10+ years ago, my ex-wife ran up all the credit cards in my name and cancelled the ones in hers. One card was with XXXX XXXX XXXX  ; the amount owed was {$25000.00}. 

I tried several times to explain to Portfolio Recovery Associates the situation, but they continued to send me collection notices.

Since the original 1st missed payment was in 2009, the debt is now more than 10 years old ( definitely more than the 7 year statue of limitations ).
Product: Credit card or prepaid card

There were three charges on this Chase MasterCard credit card that were disputed around XX/XX/XXXX or XX/XX/XXXX. Chase acknowledged the dispute. However, they have done nothing to resolve the dispute or credit the charges. In fact, interest has been accumulating on these charges. I've reached out to Chase literally dozens of times in the past 2 years about these disputed items, and I always get a generic response or a response that the dispute is received and they are working on it. Chase obviously is doing nothing to resolve this matter. 

The charges are as follows : {$1400.00} on XX/XX/XXXX {$260.00} on XX/XX/XXXX {$870.00} on XX/XX/XXXX The total amount of the above charges is {$2600.00}. + INTEREST. A lot of interest has accumulated on these charges. 

Documentation is available upon request.
Product: Mortgage

The client is in review for loss mitigation. The client was approved for a forbearance in XXXX. A forbearance is meant to buy time and protect against foreclosure for those who can not pay their mortgage due to a temporary loss of income. This client has plenty of income to be reviewed for a permanent solution ; a loan modification. The client is able to resume making payments. There is no reason to throw a band-aid on this when the client meets the requirements for a permanent solution. Back in XXXX we explained all of this verbally and we resubmitted the file for review again in XXXX. We submitted a loan modification request along with a proposal. I am now told as of XXXX that the client was again approved for another forbearance. I was told that underwriting is asking for clarification on if the client wants the forbearance or not. Im concerned about why there is so much confusion when we have spelled every detail out for Movement. Even the first time we submitted the file for review on XXXX, that submission included a proposal and a request for a loan modification, so - exactly what the client was requesting- should have never been a question. I have requested call backs every single week and no one ever reaches out. The lender is ignoring the fact that we call them on a weekly basis and they are acting like they don't have all the information that they need. They are asking questions that are clearly spelled out in the modification packet. The lender needs to decision this file immediately and stop delaying.
Product: Money transfer, virtual currency, or money service

My money XXXXXXXX XXXX transferred on XXXX XX/XX/XXXX to my XXXX XXXX  account is still not deposited..they are saying it is compelted. but it is not deposited..I gave the bank statements as proof. 

I used Remitly to transfer the money..

Remitly marked my transfer as complete. but no money is deposited.
Product: Debt collection

Victim of identity theft. Submitted forms and identification, still reporting on credit report,