23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A tow truck driver arrive to my spouses job and did not follow the LA state laws of removing a movable vehicle peacefully. She called me frantic after going to the parking lot in the hospital where she worked and another patient told her the tow driver just left with her car. She received a theft alert on her phone so she had to leave where she was working to rush downstairs to see who was breaking into her car. This is ridiculous. Chase Bank hired these people and should be held liable. They violated several consumer laws and should be placed out of service for good. I have called JP Morgan chase multiple times since the repossession of the vehicle and tried to pay them XXXX the same day to reinstate the loan and allow me to catch up. They told me my account had been charged off and they could only accept the full amount of the vehicle which was XXXX or try to get financed through another financial institution. I called and got another bank to get me approved. I immediately called chase back and told them I just needed a letter on their letterhead or a bill of sale to give to the new bank. Every time I called they stated it would take 48 hours at least. I have called them multiple times every day since XX/XX/2023. Every single representative gives a different answer. In Louisiana, you have to notify a consumer about the right to cure prior to redemption of their assets. Also, repos have to be performed PEACEFULLY and it was not. The police were called and everything. My credit report says written off as a bad debt but Chase says it was charged off. They want me to give them the money after an illegal repossession proceeding according to my state law then pay them XXXX back after they have already written this debt off with the IRS on their business taxes. This has to be illegal. If CFPB cant help solve this then big lenders like chase will continue to run over the very same people who trust them with their money.
Product: Money transfer, virtual currency, or money service

Dear all. I would like to denounce you an issue that happened when i exchanged cryptocurrencies at COINBASE inc. and I loss 55 % of my capital due to its responsibility, without giving me an option to cancel that transaction. 

I have opened three cases about that issue to Coinbase help and support department, but unfortunately they have just sent me some typical general answers, without any focus to my issue. After that they closed the first two cases without explanation. The third one is still open but they have stopped communicate with me. The cases number are : 1.CASE # XXXX at XX/XX/2020 2.CASE, # XXXX at XX/XX/2020 XXXX. CASE # XXXX at XX/XX/2020 In details at XX/XX/2020 at XXXX ( XXXX ), I traded the amount of XXXX euros of DAI ( stable coin ) ( XXXX coins ) with a price of XXXX per DAI coin at the specific time ( XXXX ) in XXXX with the reference code XXXX transaction ( XXXX ). After the trading in the system XXXX mobile app and coinbase url ) appeared that I had only XXXX euros in XXXX,. That is meaning that dissapperead the 55,09 % of my initial amount of exchange or XXXX euros. As you can see at XXXX they calculated in their own decision with a value per coin DAI about XXXX, when at specific time and general time ( DAI it is a stable cryptocurrency ) the price was XXXX euros per DAI coin ( XXXX XXXX. I would like to inform you also that at the time of trading the XXXX was in an increasing phase and took about 500 % increased. 
All the images that i am sending you there are screenshots from the official coinbase app or site. Also for your checks i am sending you the XXXX that is the value of XXXX at the specific time. Of course you can check the same values at any site for the specific time. 
I would like to thank you in advance for the time that you are going to spend for my case, as also to resolve that issue that is illegal and leads to the lost of cofidence at a big company in US, the regulator of it and of course of the new economy market. 
Kind Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent request for " Description of the procedures of re-investigation '' was received by Equifax on XX/XX/2022 for several accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within 15 days. I do not give consent to extend this time. in addition my Full XXXX File was requested Not completing both request is a violation of my Federal Rights Also, Equifax did NOT block information under section 605B of FCRA. Equifax has my proof of Identity from previous dispute letters. Also, I gave specific information that is a result of the identity theft AND i submitted an Identity Theft report
Product: Credit card

I opened AMEX premier reward gold credit card using the promotion code sent specifically to me. The mail contained XXXX or XXXX pages of document explaining all the great benefits/offers and highlighted XXXX bonus points as welcome bonus. I applied for this credit card mainly for that welcome bonus. AMEX approved it and I completed the requirement for the bonus offer. But AMEX did n't honor this because I have had this product previously. I claimed that AMEX never should have sent me this offer if that was the rule and they were completely silent on that. This is completely a marketing scam and luring customer with all the great promotions they will never honor. I 'm not talking about the general fliers or internet ad which targets anybody. This promotion and advertisement specifically targeted me in a mail with my name on it. They already knew I 'm not qualified for the promotion but AMEX lured me to open the credit card. I do n't expect this bad business from such a big company like AMEX.
Product: Credit card or prepaid card

I received a gift card ( Visa debit ) about a few years back for {$50.00} from XXXX, with an expiration date of XX/XX/XXXX. A few months ago I tried to check the card balance on the company 's website. It could not locate my card and was also unable to register the card. I tried to use it at a store in case it worked their, but that was unsuccessful. I tried the site again today with the same result, and then called the number listed. I spoke with a representative who said she could not find the card, which meant she couldn't tell me anything that happened with the card. No transaction history, date of purchase, when it was closed, etc. So at some point, the card balance was depleted and my gift resulted in zero.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, never gave XXXX, XXXX or TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL 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.

As a consumer, I am demanding deletion of the following accounts : XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX
Product: Student loan

I graduated college on XX/XX/2022. When I login to XXXX XXXX, a message pops up saying I have 1298 days until my first principal and interest payment is due on all of my loans. When I click each individual loan that it says I am in a grace period for XXXX more days for, it says my first principal and interest payment is due XX/XX/2022. This information is misleading and they should not be allowed to tell me false information on when my payments are due.
Product: Mortgage

I have been trying to get BANK OF AMERICA as Successor by merger To LaSalle Bank certificate holders of XXXXBack Certificates Series XXXX XXXX Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save family and myself, from becoming homeless. Bank of America created a fraudulent assignment from XXXX XXXX XXXX who filed for bankruptcy before the assignment was created. Bank of America and its attorneys have refused to offer me an affordable modification under HAMP. Bank of America has refuse to discharged the debt and is still moving to remove me and my family out of the property. The state court has ignored my pleas in Illinois circuit court case XXXX. The Illinois appellate court case number XXXX XXXX have not ruled. I have went as far to seek relief in the United States Bankruptcy XXXX XXXX of Illinois Case number XXXX Bank of America has fail to comply with the law. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have 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 lateforanypurpose.
Product: Mortgage

I had a mortgage through Bank of America. I was told by B of A that if I stopped making the payments for 3 months they would modify my loan and lower the payments, after not making the payments like I was advised B of A stated I did not qualify for a modification and actually raised the house payment to where I could not make the payment. I knew other people that had this same situation and they just stayed in the house until the bank forced them to leave. I left this was not right and I left the house and moved into a rental ( have supporting documents to show I was not living in the house ). Over the years I kept receiving phone calls and correspondence from multiple banks and/or mortgage companies wanting me to pay what I owed. I stated several times that I had left the residence and to please just foreclose on the property that I was not moving back in. In XXXX my husband and I were looking into purchasing a home. The mortgage company involved pulled my credit and stated I owed XXXX on my house. I stated that I no longer lived there and the house had since been sold and people were living in it. I contacted the mortgage company that was listed on my credit report and told them they had since sold the house so how could I owe them any money. I also stated that I had not been at the residence since XXXX and why was in not showing foreclosed? They stated they had just taken over the loan and that they showed the house did actually foreclose back in XXXX XXXX and they would update it on my credit, I also asked them how come it did not show a foreclosure sooner since I had left the residence back in XXXX? They stated they did n't know why they had just taken over the loan. My credit was updated and it reflected that the house foreclosed in XXXX. I tried to complain to the Mortgage company that I left the house in XXXX and that it caused me further delay to purchase a house because they missed foreclosing when I actually left, but no one would help me. I was then told I could purchase in a house in XXXX XXXX because it would have then been 3 years since the foreclosure, so once again I went this week to purchase the house I have been living in for 3 years and was advised that a mortgage company filed an Mortgage Insurance claim in XXXX XXXX for the me leaving the house. NOW I am being told I can not purchase a house until 3 years from that date? B of A has actually taken a foreclosure that should have only effected me purchasing a new house and know has make it to where I can not obtain a house for 9 years. This process should have been resolved and showed foreclosed back in XXXX and now I am being told I can not purchase a house until XXXX of XXXX. I will be forced to move from the house I am in with my children because of this and do not feel this is right. I was honest and moved out and did not live there for free. I need to know what action can be taken if any?
Product: Payday loan, title loan, or personal loan

I applied for an SBA loan with Huntington Bank and the representative took my information and submitted the application supposedly to underwriters on XX/XX/XXXX. The issue that I have with Huntington Bank is their representative lead my business partners and I that the loan was still being reviewed but was already decision without a notice or letter of denial which is a violation. I called on XX/XX/XXXX and spoke with another representative in the branches stated it was denied and reasons did not fit my financials. SBA loan originators need to viewed by the government to vet their lending practices because they are making it hard for middle class and small business owners to utilize this product from the government. They advertise that they help out veterans and minorities and yet the loan originator stated that they treat everyone the same to avoid " prejudices '' or " treat others indifferent '' how can that be when they advertise it means they really dont believe it and they really dont understand the business practices that the SBA lender guidelines require. The government really need to look at their lending practices they also stated that the industry " coffee '' is high risk supposedly when it is on the SBA lending approval. The company needs to revisit their business practices and go by the guidelines set by the SBA also there should have been a letter of denial explaining the reason for the denial. I'm not for sure how we were denied my credit was not pulled and he gave me scores from one bureau that did not reflect an inquiry from myself or business partners. This experience has felt very prejudice, biases and insensitive to people trying to start a business that will benefit the economy.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts over the last year to get Equifax to update my legal name on my credit report, but they have refused to do so. Specifically : - On XX/XX/2024, I disputed my name change with Equifax. 
- I followed up with another dispute on XX/XX/2024. 
- I then called Equifax on XX/XX/2024 to dispute the name issue. 
- Another dispute was submitted on XX/XX/2024. 
- I called them on XX/XX/2024 to dispute my name- Most recently, I disputed the name again on XX/XX/2024. 

Despite these repeated efforts to correct the information on my credit report, Equifax has failed to update my profile with my legal name. As a result, my identity has been stolen several times using my old name. This has caused significant problems for me. 

I need your assistance in reporting Equifax 's noncompliance to the appropriate federal agencies so they can be held accountable for their refusal to properly update my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report in XX/XX/2018, I learned a company, XXXX XXXX XXXX, had reported a debt in XX/XX/2018 and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and USPS returned the mail undeliverable. I submitted online disputes with Transunion and XXXX. No investigation responses were received from them either. I wrote to other addresses I found for XXXX XXXX and have never received any response. I sent letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 to XXXX. The online disputes were submitted to the credit report agencies during that time and again recently. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by XXXX to contact me.
Product: Credit card or prepaid card

Let me first say Target has poor customer service. I got hung up on by a supervisor and lied to by a specialist. I will No longer give them my money! 

The company is going against my consumer rights. 
Violating US codes 1681a 2 ). ( i ), US code 1666b ( a ), US code 1681e ( b ).

According to US Code 1681a 2 ). ( I ) report containing information solely as a transaction or experience between the Consumer and the Person making the report. My experience is the relationship between the transaction and the creditor or the person of the corporation that extends the line of credit that is used at a particular time of the account. Which is the consumer, which is me and the person making the report. 

Moreover, US Code 1666b ( a ) states A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

Stated by the Internal Revenue Service ( IRS ) Instruction for forms 1099-A and 1099-C. A 1099-C must be filled regardless of whether the debtor is required to report the debt as income. Income does not get reported on your consumer report. Therefore, a consumer of a charge-off being reported on your consumer report is illegal because it is ordinary income. If a charge off is being reported on your consumer report it is not accurate and reasons to believe the whole account is fraudulent according to the IRS from instruction form 1099-A and 1099C. 

Lastly, US Code 1681e ( b ) explains, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
This statement explains doing so will presume a 1099-C, that must be filled according to the IRS as mentioned above. The status of a charge-off is an inaccurate account and it must be deleted.

Under 15 US Code 1681b ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted Immediately.
Product: Credit reporting

On XX/XX/XXXX I submitted a case ( XXXX ) concerning fraudulent information on my credit file with Experian. Experian responded and was very helpful in helping me fix and permanently correct these numerous issues. On Saturday morning, XX/XX/XXXX I noticed that one of the accounts had resurfaced and is reporting again on my credit file. I tried to all the fraud department but they were unfortunately closed. So, I figured since Experian was so helpful via this venue in the past, it would make more sense to go back through the CFPB portal. To date, everything appears to finally be accurate with the exception of the following account : XXXX XXXX - Acct : XXXX, Date opened : XX/XX/XXXX, Balance : {$7000.00} I am attaching the response letter I received form Experian confirming that this along with several other accounts were in fact deleted to better help expedite this process. I am also attaching my previous drivers license as well as my now new " temporary '' license that reflects my new and current address. I am attaching both to help confirm my identity especially since it takes up to two weeks to receive the " hard '' version of this state 's drivers license. 
Thank you for your help with this matter. 

Regards, XXXX XXXX XXXX
Product: Debt collection

Re : Filing Complaint Against Jefferson Capital Systems , LLC Collection Agency for Failure to Provide Debt Validation for ( Reference JCS Reference # : XXXX ) Original Creditor- Acct # Ending XXXX Debt Amount : {$3300.00} Dear Sir/Madam, I have sent you two letters on XX/XX/2024, and two separate letters via Certified Mail Return Receipt during the month of XX/XX/2024, requesting the verification of the alleged debt mentioned above from Jefferson Capital Systems , LLC . However, Jefferson Capital Systems , LLC Collection Agency has failed to validate this alleged debt. 

The reason the alleged debt is NOT valid is I have not received any documentation or proof supporting the existence of this debt. Without proper verification, it is impossible to validate the claim that this debt is legitimate such as the following : A full detailed list of the payment history on this account. 

Original signature that I agreed to on a contract for this creditor for this debt. 

Signed purchase agreement on this account. 

The debt insurance claim filed on this debt by the creditor. 

The chain of title you have to collect on this debt. 

Date of the first delinquency. 

Provide full account number. 

Full account summary and itemized calculation of alleged debt. 

Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by Fair Debt Collection Practices Act ( FDCPA ) law. 

Jefferson Capital Systems , LLC is unable to provide the above identifying account information. Therefore, they must close my file and terminate all collection action. They must also notify the credit bureaus to delete this derogatory information from my credit file. 

I believe your collection agency to be illegally reporting a fraudulent debt to the three credit bureaus ( XXXX, XXXX, and XXXX ). The account in question remains on my credit report, negatively impacting my credit and causing financial harm. I am requesting the immediate removal of this account from all three credit bureaus, as it is unverified and violates consumer protection laws. As such, I am filing a complaint with your organization. This collection agency is practicing fraudulent and unlawful behavior and I demand that they remove this account from my credit reports, because this account was never verified, and I have not received the required validation for this debt. 

Despite my efforts, including written correspondence, the problem remains unresolved, and the inaccurate information persists on my credit report. This debt collection agency did not follow the rules of the Fair Debt Collection Practices Act ( FDCPA ) and have engaged in illegitimate and illegal practices. I am requesting that you, please investigate this matter. 

Please review the uploaded documentation with five attachments for proof of my claim about their fraudulent and unlawful practices. 

I appreciate your attention to this serious matter and look forward to a prompt resolution. 

Sincerely, Thanks