23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I contacted XXXX XXXX about a charge that I was 2 days late. The payment showed submitted on my end, yet didn't complete on theirs. As I am in the XXXX XXXX I know how this can happen. I was told by XXXX XXXX that if I paid ( this was 2 days after ) they would refund the late fee and all would be well. I was told to pay over the phone. I did so. As I don't ever use this card and haven't for years, I normally do not look at the account every month. 

In XXXX of XXXX, my credit report was pulled. As a result of my credit score, the lender did not offer a favorable interest rate. When asked, they said my score wasn't that good, and I had a 60 - 90 late note. I was shocked. 

I pulled my credit and saw that once again XXXX XXXX was the reason. Although I had been told back in XXXX, the problem was paid for and fixed, it was not. I complained and after a few minutes a Supervisor refunded everything back to XXXX XXXX, even the interest. 

I filed a dispute with both TransUnion and XXXX. These people did not do their diligence to investigate the claim. I was immediately told via writing, that the credit report was true. I sent pictures of the account which showed a XXXX balance, as well as the reversal of charges all the way back to XXXX XXXX. Even with all this evidence the " investigation '', was deemed to be correct. In other words I am lying. 

I have suffered because of this, I have received a less favorable interest rate on a loan, based off of this information. I have tried to contact all three parties involved only to be told that " the report is accurate ''. Well I would have to say that if they looked at my screenshots and actually investigated this, it would show that this was not correct. 

I have screen shots of the account, credit reports, etc. I will also be filing with the FTC, as this is incredibly wrong to do to someone. I am not sure when their last compliance audit was, but based on this, I would say they are overdue for some oversight. 

Thank you for your help in this matter, and facilitating this complaint.
Product: Credit card

I was a signer on a corporate credit card, ( American Express ), for a company that I worked for, however, I never signed or accepted any kind of personal guarantee. The company became insolvent and was dissolved by the state trustee. I have explained this to American Express and they refuse to remove this record from my personal credit. I have asked them to provide proof of the guarantor, which they have refused to provide. This incorrect reporting has cost me time, money and has negatively affected my profile for years.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Formal Complaint Regarding Unlawful Repossession, Breach of Peace, and Taking Vehicle from Paid Parking Spot Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Exeter Finance , regarding the unlawful repossession of my vehicle, a [ XXXX XXXX XXXX XXXX. This repossession occurred on XX/XX/XXXX and was conducted without proper notice, in violation of California state law, and in a manner that breached the peace. 

On the date of the repossession, I had no prior notification ( calls, emails, or letters ) from the lender, despite my attempts to resolve my account. The repossession took place while I was at home, and I was unaware that the repossession was imminent. The agent took my vehicle approximately XXXX hour after I went upstairs into my apartment. This repossession occurred without providing me the opportunity to rectify the situation, nor was I given a chance to retrieve my personal belongings, including irreplaceable items such as my mothers ashes. 

Furthermore, my vehicle was repossessed from a paid parking spot at my apartment complex, which I rent and am entitled to use. According to California law, taking a vehicle from a paid parking space, where I have a legal right to park, without proper notice or consent, further exacerbates the violation of my rights and breaches the peace. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX repossession agents are prohibited from conducting a repossession in a manner that disturbs the peace, including removing a vehicle from a paid or restricted area and preventing the owner from retrieving personal property. The actions taken by EXETER FINANCE and the repossession company violated these laws and caused significant emotional distress and financial hardship. 

I am requesting the immediate return of my vehicle, as well as compensation for the lost personal belongings ( including my mothers ashes ). Additionally, I seek a reduction or waiver of the fees associated with this unlawful repossession. 

If this issue is not resolved promptly, I intend to take further action, including filing a complaint with the XXXXXXXX XXXX XXXX XXXX XXXX and potentially seeking legal counsel. 

I would appreciate your prompt attention to this matter. Please contact me at XXXX XXXX XXXX XXXX for any further information. 

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

I chose the " missing information '' option because there was not option to fit my situation. I have requested a copy of my consumer report as well as a security freeze from Advanced Resolution Service after finding out that this company compiles information on consumers. 

On XX/XX/XXXX I mailed a copy of my drivers license, Social Security card and a recent utility bill to verify my identity, Social Security number and address along with the letter requesting the freeze and copy of my report. 

In response I received a letter dated XX/XX/XXXX demanding income information they are not entitled to. Their letter requested " Proof of your identity - Please send a XXXX, paystub or tax return showing your full social security number '' On XX/XX/ I mailed another letter refusing to send financial documents and asserting the my drivers license was sufficient proof of my identity and the copy of my Social Security card was sufficient proof of my social security number ( and in fact is the only legally valid verification of a Social Security number. ) Today,XX/XX/XXXX, I received a telephone call that I did not answer as it was from an odd 6 digit number ( XXXX ). A voicemail was left by a female who did not give her name stating she was calling from Advanced Resolution Service. She stated that they had received my second request for a copy of my report and a security freeze, and stated " in order to process your request we do need a copy of a XXXX, pay stub, or tax form showing your full Social Security number. We do not need your financial information, you can cross that part off, we just need an official document showing the use of your Social Security number. '' First, they have no right to request this, there is no way to cross off all sensitive information they are not required to from these documents, and financial records are not " official documents. '' The only reason I can think of for demanding financial documents as Social Security number verification is because they show place of employment, salary, family composition and much much more. More information for their data mining operation? None of these documents are even acceptable verification of a Social Security number by any stretch of the imagination. 

And do they flat-out deny reports to everyone who is XXXX or retired? None of those people have XXXX forms, check stubs, or tax forms. Highly illegal to discriminate against the elderly and XXXX in this manner. 

So, lets just say that I am retired and XXXX and/or have never worked a day in my life. Maybe I'm a recent college graduate, just starting out and not employed yet. None of their business. They have no cause to demand proof of employment in order to comply with the law. This is exactly what they are doing by refusing to acknowledge official government documents that verity Social Security number and instead demanding financial documents, which are not official documents, for that same purpose.
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. 

XXXX XXXX : # XXXXXXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX 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 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

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able to obtain credit right now and that is not acceptable. As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX The payment status is incorrect, please delete. XXXX XXXX : XXXX The past due amount reported is incorrect, please delete. XXXX : XXXX The payment status is incorrect, please delete. XXXX XXXX XXXX XXXX : XXXX This account isn't reporting correctly, please delete. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of these collections misrepresents my payment history and negatively impacts my credit score. Furthermore, 15 U.S.C. 68 0 2 states ; A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED.
Product: Credit reporting or other personal consumer reports

Experian is a serial repeat offender who constantly violates the laws and my rights by allowing incorrect reporting to happen. When i dispute incorrect information, Experian willfully and intentionally ignores the dispute, and never sends updates after XXXX  days. Experian further refuses to block id theft even with a valid police report and id theft report. I have sued experian over XXXX times in my lifetime, and they settle for {$5000.00} - {$100000.00} depending on damages. Once i threaten to sue for them violating the fcra, they will block the fraudulent accounts. Then they will reinsert it willfully and intentionally violating my rights. 

Now Experian has took the biggest step in breaking the law by deleting my entire credit report, causing a lifetime of damage preventing job opportunities, mortgage, loans, utilities and more, because they rather retaliate and punish the victim and whistleblower because their incapable of following the law. They refuse to provide my weekly/yearly report required by the FCRA. they blocked my phone number for calling for any tech support. They went out of their way to discriminate and attack me for only asking they follow the laws.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to an inadequate customer service and unfair practices, which violates the consumer financial protection Act, specifically cash app failed to take timely measure to prevent add or address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair. they did not comply with error resolution requirements under the electric funds transfer act and regulation E. These acts have caused insignificant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Mortgage

This is a new compl aint of bad faith and fraudulent banking activities by Wells Fargo Bank Home Mortgage relating to a Wells Fargo Mortgage Backed Security. Despite this circumstance I had tried to act in good faith to pursue a short sale resolution. I have been acting in good faith to complete a short sale with Wells Fargo bank and during that effort they scheduled a foreclosure sale date while we were making significant progress toward resolution. They are and have been acting in bad faith in response to my good faith efforts. I had fully engaged in the short sale process and had secured a qualified buyer of the property. We were in the process of negotiating a purchase, they responded by stalling the process, through an unnecessary three we ek delay in responding to our counter offer, and then saying sorry your house is being auctioned and now we have no time to process a new offer. They said you can try but we can not change the sale date from  XXXX   XXXX  at  XXXX . My question is if they are interested in changing their abusive, near predatory, internal policies WHY can they not extend the sale date for at least a few weeks to see if I can respond with an acceptable offer. At this point we are in full agreement that the price would need to {>= $1,000,000}.   Why ca n't they work with their customers and do the right thing instead of continuing their inappropriate business tactics. CHANGE THE SCHEDULED SALE DATE!!   This has been going on for over 10 years which began with my investigation and confirmation of fraudulent mortgage lending p ractices. ( T he report from  XXXX   XXXX   XXXX  has been submitted to them with full supportive detail ). I would resubmit that contention as part of this complaint and will be reaching back out to  XXXX   XXXX  to update that analysis.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting the inaccurate information on my credit report. Name address, phone numbers, and employer. I would like to remove the outdated and inaccurate information from my credit report, replacing it with my accurate information Under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have XXXX XXXX  with XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

So in XX/XX/XXXX I requested a payoff amount for my vehicle and when It was given to me, I paid it. I was told by citizen one that its been paid in full and that they will send the title via mail. A couple months later I havent received the title so I called and come to find out the address they sent it to was not the current one so we then proceeded to change it to the current one. In XX/XX/XXXX I still have not received the title and on top of that received a delinquent notice on my credit report. I did some research and found that the delinquency was from citizens one. When I called in I was told that they gave me the wrong pay off amount and that there was a {$17.00} balance that they have been trying to collect. I didnt receive any mail from them because again they had an old address even after I tried changing it the last time I spoke with them. So the supervisor said if I paid the {$17.00} and some late fees that they will fix the delinquency on my credit because it was their fault they gave me the wrong payoff amount and that they didnt change my address when I last spoke with them. A few weeks after that phone call I received a signed document that allowed me to request a duplicate title from the XXXX. Fast forward to XXXX I checked my credit report and I see that the delinquent reports from citizen one is still there. I called in on XX/XX/XXXX to see what was going on and they told me they dont know and that because the account was closed they dont have any notes on the account.
Product: Debt collection

The person who owes the debt is in the hospital on a XXXX  with XXXX  and not expected to survive but i have told them this but they call about 10 times a day every single day of the week. i block every number they call but have called from about 35 different numbers. they have been calling for about 6 months since i have been here for my family member suffering from XXXX. they call all day and night.
Product: Vehicle loan or lease

Base on the recent situation I cant pay the car loan but I would like to keep the car until I find the way to star payment it again so I trying to get financial to pay all my debits.
Product: Debt collection

PB Capitol group has contacted my mother on several occasions to discuss a debt that I have not been directly advised of by them. On XX/XX/year>XXXX  this office contacted my mother and discussed all details of a debt including amount, details and intent to sue. None of which has been disclosed to me. This is in direct violation of my rights and an illegal practice according to the fair debt collection practice act. I formally request that pb capital cease these illegal collection efforts immediately.
Product: Debt collection

Asset recovery solutions has cold called an estranged relative claiming to have been given permission to call from the county. They continue to call after being told XXXX separate times to stop all calls. Cease and desist has been stated multiple times.