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

XXXX sold me a XXXX low mile car for XXXX for 72 months with American credit acceptance as my lender. They didnt explain anything to me at all for example my 26.66 % apr. I happened to be an out of state buyer from New York. They didnt help with getting it registered like they do for all there customers. I believe since I was an out of state buyer I had to do it on my own which made it tough after my temp tags expired. Because I was a first time car buyer I was extremely taken advantage of. They put me in this vehicle when I didnt have the right insurance to align with the state dmv registration procedures. Then when I called for them to help change my request away from my home state they couldnt get me florida registration. This process has been so bad for me after 60 days its been constant paranoia and stress that I was going to lose the car from law enforcement ( as I was constantly being pulled over ) or repossession but On XX/XX/XXXX it was reposed from me for nonpayment. I paid close to XXXX to get it back and when it was return I had a check engine light on and it wasnt running as smooth. Even took it to XXXX for a service they charged me XXXX for the check engine light and brakes even under the XXXX warranty coverage. Just 5 months in and the check engine still appeared on the dash. After a tough first 13 months with the car they had it repoed again for non payment. And the car was still unregistered and put me in so much issues with Florida law enforcement. Another thing they didnt tell me is that I would have to pay the old state I was living in taxes to just to register it and that cost close to XXXX.
Product: Student loan

In XX/XX/2004, I began taking out private students loans to attend XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX however I was unaware that they were XXXX XXXX XXXX. I was informed by XXXX XXXX XXXX officers that the XXXX XXXX I was receiving was all part of the XXXX programs. I have been struggling to pay those same XXXX XXXX  to this date, almost 20 years and XXXX XXXX XXXX XXXX XXXX in interest later. 
Thousands of XXXX  were scammed by Navient into taking out predatory XXXX XXXX  to attend for XXXX XXXX  such as the one I attended. XXXX XXXX XXXXXXXX are no longer in business due to these predatory practices. 
Because of the numberous claims of fraud and misconduct perpetuated by these for XXXX XXXXXXXX, I was able to file a XXXX 's XXXX claim with the XXXX XXXX XXXX 
I am aware that Navient was sued by XXXX state AGs regarding their predatory lending practices and that XXXX XXXX/Navient were the " preferred '' lending company in a " deal '' with those XXXX during the early XXXX. 
I am aware of a " pilot '' program by which Navient is sending out " applications '' to " select '' XXXX who may have filed XXXX XXXX claims against their XXXX and were approved. This application is a sham. Why do we need to prove anything? Navient has all of our information. Under the XXXX " XXXX XXXX '' Navient is liable for giving predatory loans in connection with for XXXX XXXX 
Time is running out for Navient to do right by XXXX who were scammed into taking out XXXX XXXX XXXX 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ChexSystems and requested information in which I have yet to receive a response. ChexSystems is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, XXXX  Report attached below, shows that XXXX XXXX was deleted from my credit file and unlawfully reinserted back on my file almost an year later without notice. Therefore, Im demanding that this account is blocked and permanently removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Last spring I uploaded all the documents to the Dept. of Education website for student loan forgiveness because I was a teacher for 13 years at Title 1 schools, and then worked at a non-profit for 4 more years. The department of education never informed my loan providers that my case was pending. I also clicked the button to put my loans in forbearance. Only to find out that neither actions were comunicated to my loan providers. When I called, the representative told me I should have never uploaded my doicuments onto their website. When you log on the website, the instructions cleary state that the information should be uploaded to them. They failed to do what they were supposed to. Then in XXXX, my loan provider said I was late and my credit score was dinged 7 times for essentially one combined loan. Therefore, my credit score went from an XXXX to a XXXX in minutes. I am in the midst of getting a home and now that has to take a back seat for another year until my credit is restored. All we have in this country is our credit score. And because of their negligence, I have to rebuild my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to honor my request to place a security freeze on your personal credit report based on the information you entered. I entered everything they asked for. I think they are purposely being difficult so I'll buy their monitoring product.
Product: Credit card or prepaid card

I have a chase sapphire reserve credit card since XX/XX/2020 with annual membership fee of {$550.00}. In XX/XX/2020 chase put out a press released that any one getting a fees charged between XX/XX/XXXX to XX/XX/2020 will get {$100.00} fee refund as members are not able to use travel benefits due to covid. I got fee charged on XXXX but havent got {$100.00} refund. I spoke to customer service and supervisor and they both refused to issue the credit because as per them Im not impacted by covid and voluntary signed up for sapphire this year. But in XXXX when I signed up there was no pandemic situation so I believe its unfair to not refund {$100.00} as Im also not able to use benefits of reserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im currently XXXX year old about 2 months ago i got a copy of my credit report and there were accounts and subsequent inquiries on my credit report I contacted capital one to have them removed they did three investigations and said that it was vaild each time but the credit bureaus too it off my reports because i sent actual proof my id social security car my ftc report and a written statement it was removed not today they said the creditor requested the information be unblocked i sent legal government documents proving im a minor and they countinue to jeopardize my future and for what other than to be just nasty I should not have to go threw this im a XXXX i should be focused on school not my credit this isnt fair they fix my problem the put it right back on there it disgusting behavior from captal one and the three major bureaus To be doing this to a XXXX  the accounts were opened in 2019 a quick look at the documents i sent would confirm that but they choose to be difficult
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of XXXX  law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXXXXXX.
Product: Debt collection

On XXXX, I noticed a collection entry on my credit report. On XXXX, I wrote a debt validation letter addressed to National Credit Adjusters, XXXX XXXX XXXX XXXX, XXXX, KS, XXXX via certified mail. The letter was delivered on XXXX to the Front Desk/Reception/Mail Room according to the USPS tracking information. As of XXXX, I have not received any communication from National Credit Adjusters regarding the validity of this debt. On XXXX, I disputed the information with XXXX via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX
Product: Debt collection

Keep receiving calls from a caller id Americanexpress showing phone number XXXX ( XXXX ) XXXX unknown They say they are calling from American Express. I have repeatedly told them not to call me and that it can get me fired from my job and that if they can reach me by mail if they have something to discuss. Then I have hung up. Today XX/XX/XXXX at XXXX, they called, I told them again, he said " thank you for telling me this, but now that I have you on the line... '' and started to ask me identifying questions.
Product: Credit reporting or other personal consumer reports

FCRA Section 605C Consumer Submission XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX, XXXX & Experian URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a XXXX XXXX XXXX XXXX, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Please refer the complaint # XXXX dated XX/XX/XXXX. 
On or about XXXX XX/XX/XXXX, I received the letter from Chase that they are closing my account ending in XXXX. I have no idea why they did that as this card was very active with the transactions as current as this week. I always made on-time payment. I am having credit score of XXXX. Never missed any payments or delay payment. Very little debt ( mortgage on rental property ). 
Letter states that account is closed due to : Too many requests for credit or reviews of credit This account and/or related account was closed at the banks request. 

I some how feel differently. I strongly feel that chase is doing it deliberately as I had reached out to CFPB in the past about Chase. Please refer another CFPB complaint XXXX on XX/XX/XXXX. 

Called Chase and had around 30 minutes of discussion about the same on XXXX XX/XX/XXXX. First with XXXX and customer Service ( XXXX, TX ) According to XXXX, within 12 months - 4 credit card accounts are opened by me plus my another chase account ( XXXX ) which was closed by Chase are the two reasons for the closure of my account. 

This is a serious issue as every time a card is opened or closed - there is an impact on person 's credit score/history. If people like me are facing these kind of situations - what this fraud bank will do to others who are neither having such a high credit score or knowledge about finance/credit card industry.
Product: Debt collection

CENTRAL FINANCIAL CONTROL/SYNDICATED OFFICE SYSTEMS HAS A DEBT LISTED ON  XXXX ,  XXXX , AND  XXXX  .THE   DEBT  IS FROM ABOUT 5 YEARS AGO FOR  HOSPITALIZATION  AT  XXXX    XXXX   XXXX     XXXX     XXXX  IN  XXXX   CA.The ac count number is  XXXX  .I unde rstand that CFC has  a    XX/XX/XXXX  CONSEN T ORDER and that my case i s one of  them from   XX/XX/XXXX - XX/XX/XXXX   that  CFC was required  to forgive and send abo ut 100 dollars t o me of the  XXXX  dollar portion of the fine they were required to pay for not doing debt validation notices.CFC HAS NOT DONE THAT and has verified recently with the credit bureaus ... .so they continue the same behavior during the consent order supervision period.
Product: Credit card

XXXXPaid off the balance in full over the phone ; I have never been able to logon after the XXXX time. 
XXXXReceived statement w/balance of {$60.00} ; it also show a charge that was not mine. 
XXXXSpoke w/XXXX  to dispute the charge ; she said that the Resolution Dept would help me and then. XXXX, XXXX, in Resolution Dept removed the fraud charges sent me a new card. I asked her about the new balance and pretended to transfer me to customer service but instead hung up on me. It was already to late to call back. 
XXXXRecieved statement w/balance of {$67.00} that included a {$30.00} late fee and {$1.00} Interest XXXX-I called to Waive the {$30.00} late fee and interest, and was denied. I paid the {$67.00} balance in full. 
XXXXReceived statement w/balance of {$1.00} Interest on interest and fees. 

It is not enough that they me an enormous amount of interest but want to pay amounts on the fraud that is committed. These people are the ones who are committing fraud.
Product: Credit reporting or other personal consumer reports

The Mortgage Loan that I had with Wells Fargo Home Mortgage has already been paid in full. 
Wells Fargo Home Mortgage has failed to meet their fiduciary obligations Due too poor communication and breach of contract and dishonor of promissory note and security fraud and protection of my information. The law says that it is the policy of CONGRESS that each financial institution, those that extended lines of credit or loans have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers done public personal information.. 
It has come to my last resort and final option to file a lawsuit against Wells Fargo Home Mortgage and sue for compensating damages. 
upon request, no original promissory note was ever provided. 
The consumer reporting agency and the " lender '' have both violated my rights under Title 18 242 Deprivation of rights under Color of Law refusing to cease and desist upon request refusing to comply with my request to revoke power of attorney from Wells Fargo Home Mortgage and appoint a personal attorney.
Product: Credit reporting or other personal consumer reports

In sum, dismissal on the stated ground that XXXX had failed to comply with a XX/XX/XXXX order to amend his complaint is unsupportable because the order referred to did not in fact order XXXX to file a new complaint. Dismissal with prejudice was inappropriate because the amended complaint stated nonfrivolous claims and sufficed to give defendants notice of the substance, and many of the details, of XXXX 's claims. Further clarification of his claims may properly be gained through discovery. We conclude that the district court 's dismissal of the amended complaint was an abuse of discretion. 

We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion. 

Costs are awarded to plaintiff against those defendants who have been served. 

Simmons v. Abruzzo, 49 F.3d 83, 88 ( 2d Cir. 1995 ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof.

( June 25, 1948, ch. 646, 62 Stat. 945. ) Writ of XXXX XXXX XXXX never served by clerks and Writs never signed and sealed
Product: Mortgage

Contacted Shellpoint so I can take over escrow. Numerous excuses, stalling reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$1700.00} XXXX XXXX {$350.00} XXXX  XXXX XXXX {$460.00} XXXX  XXXX {$800.00} XXXX   XXXX {$3000.00} XXXX   XXXX {$4000.00} XXXX  XXXX {$9900.00} XXXX  XXXX XXXX {$2700.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$2000.00}
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  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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

XXXX XXXX is reporting closed and paid in full XXXX XXXX card to all credit bureaus Equifax, XXXX and XXXX as missed payments which drops my fico scores dramatically keeping it in the negative with other possible financial creditors. Why is this reported four times its paid its closed. XXXX XXXX is saying that XXXX XXXX gives them the information to report and they do it and get paid for it. This is unprofessional and fraudulent activity. As a woman this is discriminatory toward my gender and a person of XXXX as I have on many occasions as for a resolution and the answer is not resolved. These practices must stop. Iam asking cfbs to take the most aggressive steps to stop is egregious behavior towards correcting my credit accounts reported as I final step I will seek legal action for assistance.