23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom this may concern, This is a formal complaint about the shady tactics of Kinston Data and Credit. XXXX XXXX XXXX XXXX # XXXX, XXXX, ON XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX is the lady I have been dealing with. There are two main complaints about this company that I would like to state and address : 1. ) I Requested a debt verification letter shortly after I was aware Kingston Data and credit was after this alleged debt. I have documentation that I had requested this on XXXX XXXX, 2021. It was accompanied with a cease and desist letter/ request. I did not actually receive any verification of debt until more than a year later. As well, I was continued to be harassed and contacted even after this legal right of mine was exercised. This is most likely a common practice by this company to ignore consumer rights and laws. I will attach the request I made, and I doubt they have evidence they have sent me any sort of documentation they provided me, especially in the given timeline. 

2. ) I was requested to pay a large amount of interest that was stated no where in the original contract with the original creditor. The only opportunity I was given to pay this debt would have been an erroneous incorrect amount. This should not be allowed where collection companys put whatever amount they wish and force consumers to pay it. This amount was never correct until she reported me to the credit bureaus. 

I will also attach documentation that I was asked to pay more then the legal amount with interest on this collections account. The original contract has never stated anything about interest. 

I have paid this account because I didnt know what else to do at this point. However I believe I have grounds to have this collections removed at the very least based, on the unethical practices of this Company. Thank you for your time, and I hope to hear back from you
Product: Mortgage

I am filing a new complaint against Bank of America in response to my initial complaint ID XXXX which I feel was not researched adequately, which in turn, did not address the issue at hand. 


I received a written response from XXXX XXXX, a Resolution Specialist, from Bank of America. 
At the end of this letter, it states that " If you have questions or would like to discuss this situation further, please feel free to call me XXXX XXXX  XXXX, and I 'm available Monday through Friday from XXXX XXXX  to XXXX XXXX. Pacific. '' Since! I have made numerous calls leaving messages for her to please contact me, with no reply. I am now compelled to submit my query through this venue. 

In her response, she states " My research reveals that your application for the XXXX XXXX Agreement was  evaluated and approved under the stated income guidelines in XXXX 2002 ''. She also writes, " We have reviewed your claims of predatory lending. However, our research has uncovered 'NO ' reasonable factual basis to substantiate your claims. 

Therefore, we are unable to address your claim in detail at this time. 

If you wish to pursue this matter further, we will need you to provide factual detail in support of your claim and I will investigate the matter. '' My gross income, at the time, totaled less than {$37000.00} annually ( Soc. Sec. XXXX and Pension XXXX ). What also was not considered was my real estate taxes that were approximately {$15000.00}, home insurance and all other bills related to owning a home. Surely, had all these been considered this credit line of {$200000.00} never should have been approved. I feel I was duped into a 10 year interest only loan which now places me in the position of being unable to make the increased payments which will be more than triple my current monthly payments. 


The documents submitted to CFPB and sent to me by XXXX XXXX do not include a copy of the deed, copy of the stated income guidelines in XXXX 2002 (  which was part of the research that she claims my application was evaluated and approved ), copies of their income verification procedure and what was given by me as proof, copies of the the real estate tax and home insurance bills which were used as part of the loan process needed to secure the loan, and all other paperwork that was used to determine that I was qualified for a {$200000.00} interest only loan. 

I would like to receive these copies to show that, as she claims, her research has uncovered no reasonable factual basis to substantiate predatory lending. 


In fact, what was submitted to CFPB and a copy sent to me was a copy of the original loan from XXXX XXXX. 


Since this homestead is jointly owned, XXXX XXXX research overlooked the fact that the original XXXX XXXX loan was only signed by me. Why would this loan be granted without requiring both owners signatures. This clearly shows that this loan was made without taking the proper precautions of securing the loan and was definitely done through predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX XXXX  and Trans Union. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please these accounts don't belong to me. Please help Im not smart enough to talk to these people they scare me. 
XXXX XXXX Reported : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed Hide closed ( 4 ) Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report.

XXXX/XXXX Inquiry : XX/XX/XXXX + National Credit Card Cos.

( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Telephone Companies ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score.

XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX , XXXX  Reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX XXXX, XXXX Reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1800.00} - - Installment Negative XX/XX/XXXX You have 5 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX/XXXX/XXXX XXXX   {$950.00} {$600.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX/XXXX  XXXX {$0.00} {$400.00} 0 % Revolving Negative XX/XX/XXXX XXXX/XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to run my credit. These inquiries are all fraudulent. I sent out letters to XXXX and XXXX multiple times. This is fraudulent. I am sick of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I just reveiwed my credit profile for the first time and noticed unathorized inquiries and accounts that do not belong to me. I dont use credit and I am trying to figure out why there is inquriies and accounts that are not mine, this is causing me a lot of stress please help in removing this. I have served the country and its fustrating to go through this. XXXXXXXX XXXX - XXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Not mine15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX - 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX- Not Mine 15 U.S. Code 1681b - Permissible purposes of consumer reports INQUIRIES NOT MINE- XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXXXXXX due to an unauthorized account. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian.They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

for starters, I went to XXXX point XXXX and got a 2018 XXXX XXXX from them. I was told no initially and somehow magically they called back a week later and said I qualified to find out was the loan was predatorial, and I didnt have a good enough credit, so that was XXXX thing that concerned me. The second thing was concerning me was that when I did get the vehicle I went on XXXX XXXX trip couldnt go over XXXX mph. I take it to the XXXX dealer they tell me the XXXX didnt have their software to take the governor off and that no cars should be sold with the governor on it without the buyer Knowing. I told XXXX this after I was informed I told him I did not want to car. They left the car with me and created of debt of little over {$12000.00}. How can I get this {$12000.00} debt off my credit report because of the contract in the way it was sold to me, I dont feel they did right by the consumer in a number of ways and now that XXXX XXXX and trying calling XXXX getting the run around
Product: Credit reporting or other personal consumer reports

ADDITIONAL COMMENTS Prosper cancelled my automatic payment method due to closing my account do to the company lowering my credit limit due to my credit score lowering following a purchase of a vehicle. A payment plan with automatic payments was set up with their representative which has been confirmed with 3 representatives for a payment of each month until XXXX XXXX XXXX until the balance is paid in full. My payments are being issued as late because the full balance isnt paid off and a payment plan has been set up with THEIR REPRESENTATIVE as I do not have access to set up autopay any longer unless it is the full balance due to closing the account. Their representative made two automatic payments in XXXX that was collected and a scheduled a payment for each month of {$200.00} until XXXX XXXX XXXX so the balance can be paid in full which is scheduled automatically to come from my bank.If my balance was reported to a collection agency I would like the documents in which I signed allowing my personal information to be transferred to a 3rd party. This company did not note the payment plan that was set up with their representative that was made due to a sudden lowering of credit limit as it is not feasible to pay full amount immediately. If two payment were made in XXXX how is my account 60 days past due? How
Product: Credit reporting or other personal consumer reports

I was notified by Experian that I must OPT OUT of receiving 3rd party solicitations. 
Opting out is bad enough but they want my SOCIAL SECURITY NUMBER to OPT OUT???? They also want other personal information that is NOT NEEDED to OPT out of basically advertisements. On top of that it was very difficult to get to the right page to opt out. I want to OPT OUT WITHOUT PROVIDING UNNECESSARY PERSONAL INFORMATON. This should be an OPT IN NOT an opt out!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX  XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$90.00} XXXX  XXXX Balance : {$31.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Axos Bank ( aka " XXXX '' ) reported a 30 day late on my credit for XX/XX/XXXX. 

I mailed a check to Axos for {$7000.00} on XX/XX/XXXX. This was for two payments : one which was due on XX/XX/XXXX and XX/XX/XXXX. They didn't process this until Monday, XX/XX/XXXX, after the holiday weekend ; resulting in a 30 day late on my credit report. 

Historically, my checks sent via USPS to Axos were processed within 3 business days. I sent my check on XX/XX/XXXX -- providing ample time to accommodate holiday related disruptions with USPS and Axos staff on vacation. 

Given my check was processed on Monday, XX/XX/XXXX, it is evident the holiday weekend paired with USPS holiday congestion/Axos work hours were an unfortunate confluence of events that have penalized my credit dramatically. 

I spoke with an Axos representative who assured me this minor error would be forgiven with goodwill considering the obvious " force majeure '' effects of a COVID holiday and reduced Axos staff / banking hours. 

NOTE : I have since paid Axos off in full, and no longer have an open account. I'd like to do business with them again, and I'd expect some goodwill here considering the circumstances.
Product: Credit reporting

This is my final time filing a dispute against this agency. My patience is thin and I have had it. For some reason Experian allowed XXXX other SSN to be attached to my profile. How does that happen? They removed some of it but not all of it because I believe that some of the information is tied to my credit report and they will not remove it or certain addresses. I have amended my complaint in XXXX County to include them trying to make me responsible for someone elses debt, them adding addresses on there that do not belong to me, with their refusal to remove them, and their refusal to remove accounts that do not belong to me after disputing them continuously since XXXX of 2016. There has already been a court date set and I am prepared to go after the maximum amount that the law allows if this accounts and addresses are not removed off of my account immediately. Experian has shown that they can not be trusted when it comes to reporting accurate information. I have detailed every single person that I have spoken with, certified letters, and I am very serious with this moving onward.
Product: Payday loan, title loan, or personal loan

Ive payed over XXXX for a XXXX loan in almost 3 years & theyre saying I still owe more and I cant afford this anymore its hurting me so much financially! Came to a settlement & later was told that there is no settlement & that there is still a balance!
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration regarding the unauthorized hard inquiries on my credit report. Despite multiple attempts to resolve this issue, I continue to see these inquiries on my report. It is concerning that my personal information was provided to these companies without my consent, violating my rights as a consumer. 

XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I currently have XXXX cable, internet & phone services. My account is current. It is approximately {$260.00} each month. I received a collection notice from a company asking for {$93.00}. I've called XXXX, no definitive answer. I asked how is it I would have current services if I had never paid you {$93.00}. Further more, over the past 12 month period alone, I've paid approximately over {$3000.00} to XXXX. It baffles me how my services remain on & I make payments each month, but somehow this {$93.00} in collections is on my credit report and impacting my score negatively. It has contributed to increased interest rates with other lenders & even credit lines decreased as well.
Product: Credit reporting or other personal consumer reports

Hello. After being contacted by my bank for an attempt to use ach payment I immediately notified the creditor GREAT AMERICAN FINANCE H ( thru XXXX furniture ) that I had set up a reoccurring payment with. I was charged 3 insufficient funds fee even though I had the funds but payment was did in error. I corrected error & notified this creditor. I was told that I would get fees reversed & credited & would not be reported to credit report for any late payments that may occur because of this error. When I checked my credit report my score dropped XXXX points for the {$50.00} fees that I incurred for my payment error that was corrected. I have reached out and sent 2 messages asking for grace & mercy since this ach was done in error but still no response even though I have kept my payment history positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 
XXXX XXXXXXXX Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX non specific XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, XXXX XX/XX/XXXX Experian XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX  Tenant Screeners ( Reseller ) XX/XX/XXXX Experian XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX was notified this was fraud and never did proper investigation to get this removed off my report