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

XXXX of 2022 my car was repossessed. I paid XXXX to have the car returned. In XXXX I called to see the amount due and they told me an amount of approximately XXXX through XXXX XXXX, after the XXXX XXXX. 

My complaint is when the amount was requested in XXXX it did not include additional fees. When I spoke to the representative he said they have a new " pay hierarchy '' system. This would include fees paid first then other amounts would be applied to principle and interest. So instead of XXXX counting for 2 payments and a repossession fee. It counted for additional fees from months prior to XXXX. This would make my account behind more days than normal making me at risk for repossession, This was never communicated to me nor did I receive any notice of this new payment system. 

KIA MOTOR FINANCE
Product: Credit reporting or other personal consumer reports

This car was involved in a car accident and the insurance company paid for everything and previously XXXX had this account and I had to file a complaint against them after my Bankruptcy was dismissed on : XX/XX/year> I just received notice that XXXX XXXX XXXX XXXX, is currently reporting debts of : XXXX & XXXX ( XXXXall equipment was returned ) prior to filing the Bankruptcy case # : XXXX.
Product: Debt collection

Third party debt collection company bought an outstanding loan of mine and has called my wife multiple times. The company called my wife last week ( week of XX/XX/XXXX ) and disclosed a debt as well as the dollar amount to my wife even though I was sole owner of the debt. They then proceeded to call my wife again on XX/XX/2023 trying to get ahold of me on my way to work for the night. Not only are they breaking the law by contacting a family member multiple times, they also illegally disclosed personal loan details to someone not on the account.
Product: Credit reporting or other personal consumer reports

I am unable to review my credit report and anytime someone tries to pull from Equifax they are unable to. I reached out to them and they had me send my ssn and ID along with a letter of my current address to an address they had given me and I am still running into the same situation when trying to apply for something. Apparently I have no credit report or credit file with them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp XXXX Block Inc ) due to inadequate customer service and u fair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

On XXXXXXXX XXXX XXXX XXXX 2022 and numerous times before that I have tried to call this collection company to get valid proof of this debt. Not only did they never answer my calls, but they never sent me a bill and by Regulation F standards this is unlawful and should be removed from my credit report. I have disputed this numerous times with the credit reporting agencies and they always say the debt is valid but never provide any written proof to ownership. The name of the company is rent recovery solutions in XXXX georgia. Please help as I have tried to have this removed.
Product: Payday loan, title loan, or personal loan

On Wednesday XX/XX/XXXX I Was Contacted Through Text Message For XXXX Hours By Someone Unnamed Who Was Hassling Me For Money. I Was Then Threatened By Them Stating Attorneys And Lawyers Will Reach Out XXXX Me Tomorrow For {$1500.00} If I Didnt Pay {$68.00}. I Stated I Didnt Get Paid Till XXXX And They Said I Had Till XXXX Or The Collections Department Will Get The Notice. I Then Tried To Pay On The Website Around XXXX Because My Check Was Late And I Was Told The Collections Department Will Contact Me Tomorrow. I Proceeded To Pay And The Website Was So Insecure I Clicked Pay Now And It Processed XXXX Payments Instead Of XXXX. After That Payment I Turned Off My Card And Active Bank Account Off And Deactivated Them At XXXX. On XX/XX/XXXX At XXXX And XXXX I Was Contacted Stating The Payment Can not Be Processed Even Though I Paid For This Week And Turned Off The Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name. XXXX XXXX Address. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Tx XXXX Email Address. XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy. 

15 U.S.C 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

on the accounts that are attached are being reported inaccurated update the account information accurated or just remove the information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my account was never XXXX days late. account was only approved for deferal. 
please remove these XXXX day late for each month noted. 
i am entitled by FCRA to request this be corrected and removed.
Product: Credit reporting or other personal consumer reports

As I perused my report from the year XXXX a disquieting realization dawned upon me : certain aspects remained woefully incomplete and alarmingly inaccurate. In accordance with the stipulations set forth by the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to adhere to reasonable procedures, ensuring the utmost accuracy in the information pertaining to the individual in question. 


I sent a letter requesting that they re-investigate the accounts listed below because... 

Accounts XXXX XXXX Not reporting accurately and being incorrect. 
XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX reporting accurately and being incorrect. 


I have yet to receive a response from them ; enclosed is my tracking number. Might you be so kind as to investigate this matter on my behalf? 


XXXX XXXX XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect.
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 : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Product: Credit reporting

I have sent TransUnion numerous of certified letters requiring them to verify my Chapter XXXX Bankruptcy. I have included copies of the original disputes, which lists in detail the type of verification requested. I understand that my bankruptcy remains on my public record, not my credit report. This Bankruptcy is a third party reporting, TransUnion was able to get my public information. Bankruptcy XXXX and credit bureaus are not affiliated in any manner and the court is unaware of their process and procedures for reporting or removal of information from a credit report. In addition, the XXXX Court does not report or verify information with credit bureaus. The credit bureaus have their own procedure for retrieving information from the public record of the XXXX Court and the court has no knowledge in this regards. I ask TransUnion to validate ( 3x 's ) with the United States XXXX and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. This unsatisfactory as proof that TransUnion is unable to provide me the documentation. TransUnion, have not complied with my right to have validation of my Chapter XXXX Bankruptcy, according to the standards of the FDCPA, and you not responding is hereby rejected as a validation of the Bankruptcy. You must remove the collection listing from my credit report, or I will be seeking a minimum of {$5000.00} in damages for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation.
Product: Money transfer, virtual currency, or money service

I withdrew {$10000.00} ( {$9900.00} after fees ) from coinbase.com on XXXX XXXX, 2017, using wire transfer to my bank ( XXXX, checking account ending in XXXX ). Coinbase says they 've been having wire delay issues, but says the issue was resolved on XXXX XXXX. It 's XXXX XXXX today and I still have n't received my money. Coinbase website shows status " complete ''. I reached out many times through customer support ( Coinbase support case number is XXXX ) and only got automated responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Credit card or prepaid card

When I opened my credit card account back in XXXX. I was promised XXXX miles. I only received XXXX miles. I just traveled to XXXX last week and I heard the flight attendants advertising the same promotion of XXXX miles for opening up the same credit card. So I took the same application I filled out in XXXX. I have it here in front of me. Sure enough in the fine print, it says I am to receive XXXX miles after a net purchase is made within the first 90 days of your card account open date. Ive talked to both Barclays and XXXX XXXX. They both refer you to the other and point the finger at the other. My wife and I both heard the flight attendants say XXXX miles on both our XXXX flight ( when we opened the credit card account ) and our flight this month. To take it a step further, XXXX is advertising XXXX miles on their in-flight entertainment and on small billboards inside airports. I will enclose pictures I have of their advertisements and what is printed on their credit card applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Lexis Nexis on a bankruptcy on my file and the did a investigation and wrote a letter to me stating that they could not verify the bankruptcy and it was moved off of my file. On XX/XX/XXXX, I received a letter from Lexis Nexis stating that were responding to my complaint I made on them, which did not have a compliant file on them, I now received a letter from stating this is on my report. I have attached the letter from Lexis Nexis.. Please review the letter and the first repose on XX/XX/XXXX that I received from Lexis Nexis. This should not be on my file. I have sent return receipt to XXXX  which I just received return receipt back from them on the same date that I received Lexis Nexis letter. Please remove this from the credit report.
Product: Checking or savings account

What Happened? 

On XX/XX/year>, I received an unauthorized certified check confirmation from Navy Federal Credit Union ( NFCU ), despite never requesting one. When I attempted to log in to my business account, I found that NFCU had closed my business account without any prior notice or my consent.

Upon contacting NFCU, I was informed that : 1. NFCU had sent notices only via an internal online portal ( no email notification ) and by mail to my XXXX XXXX XXXX which has known delivery issues. They also have our physical address on file, and our phone numbers. I was never contacted by email, phone, or any other direct method.

2. My business account was closed solely because I did not respond to these notices, despite the fact that I was never made aware of them.

3. NFCU unilaterally issued a certified check containing 100 % of my businesss capital and operating funds and mailed it to the same unreliable XXXX XXXX XXXX 
4. NFCU refuses to stop payment on the missing certified check and will not issue a wire transfer or alternative method of payment, forcing me to wait XXXX days before I can even begin the process of recovering my funds. 

Expected Consequences of NFCUs Actions : This is expected to cause a cascading failure of payments across my business, leading to returned transactions, overdrafts, and defaulted obligations.

1. All business operations have been immediately halted as my company has been stripped of its working capital.

2. Essential expenses, including my mortgage, utilities, payroll, and vendor payments, will be impacted, further compounding financial harm.

3. This has caused irreparable damage to my business and professional reputation, as clients, employees, and vendors now see my company as financially unreliable due to NFCUs reckless actions.

4. The situation has resulted in severe emotional distress, as I am left without access to my own business funds and am being told I must wait months to even begin to rectify this issue. 

Actions I Have Taken to Resolve the Issue : 1. I immediately contacted NFCU upon receiving the certified check confirmation.

2. I requested a stop payment and a wire transfer instead, but NFCU refused.

3. I have filed multiple XXXX complaints due to the ongoing, well-documented issues with mail delivery at my XXXX XXXX XXXX NFCU was made aware of this history but still chose to send my funds to a known unreliable location. 
4. NFCU has refused to take any responsibility for the financial and reputational damage caused by their actions and has offered no reasonable solution beyond forcing me to wait 90 days for a check I never requested.
Product: Debt collection

On XX/XX/XXXX & XXXX I received a text notification from a collection agency to give them call of unknown debt Without any information about the debt. 

So this is my validation request : Credit Collection Services XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> RE : Validation of Debt To Whom It May Concern : I am writing in response to the recent text messages I have received from your agency regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am exercising my right to request full validation of this debt to verify that your agency has the legal authority to pursue this matter. 
Please provide all of the following information : 1. Proof of Ownership : Documentation showing that your agency has the legal right to collect on this debt, including the original creditors name, date of the original debt, and chain of ownership to your agency. 
2. Account Details : A copy of any contractual agreement that binds me to this debt and proof of the amount owed, including a breakdown of all interest, fees, and charges added to the original amount.

3. Verification of Compliance : Written evidence that your agency is compliant with the licensing and registration requirements in my current state of residence, New Jersey, as well as adherence to all local and federal regulations. 
4. Cease Text Communications : Under the Telephone Consumer Protection Act ( TCPA ), I request that all future communications be limited to written correspondence only. Any further text communication may constitute a violation of my rights. 
5. Dispute Statement : This letter serves as notice that I am disputing the validity of this debt until you provide sufficient documentation as requested. 
6. As required by the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must send a written validation notice within five days of their initial contact with a consumer about a debt. This notice should include essential details such as the amount of the debt, the name of the original creditor, and instructions on how to dispute the debt if necessary. To date, I have only received text message communications from your agency without any such written notice. This lack of formal documentation may constitute a violation of the FDCPA, as text messages alone do not satisfy the requirements for debt validation. 
Please note that any continued attempts to collect this debt without providing the requested information may be a violation of the FDCPA and other consumer protection laws. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies should you fail to comply with this request. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I woke up one day after doing a transaction to find my account had been frozen with funds. Chime asked me to send a copy of my ID with a copy of mail to them to verify and I did so multiple times and I have never received anything other than a standard automated message.
Product: Mortgage

My husband and I decided to get a home built back in XX/XX/XXXX as first time buyers. The scheduled time for the home to be completed was XX/XX/XXXX. Prior to the initial closing process, our loan/officer processor submitted our information to the underwriter of Mortgage Solutions of Colorado LLC, as a preliminary review. All was good. As time approached to us closing which started in XXXX, we submitted all necessary documents the lender asked for in less than one business day. The turn around time for them to look at the documents were 1-2 weeks top turnaround. We understood during Covid, processing takes a little longer, so, we understood. XXXX approaches and they send a rental history verification to our place of living. Well in order to do that, we had to put in our 60 day notice. So fine, we did that. End of XXXX approaches and here we are back at square one with them asking for the same documents they originally been asking for. So again, we submitted. Again, our turnaround time was less than one day. Now we are approaching XXXX, we finally get a closing disclosure. Surely this was it. Well it wasn't. They ask for the same information once again. Being concerned that time was approaching to our close date, I reached out to the Account Executive ( XXXX XXXX ) that was over our account. My experience with XXXX was the worse. I expressed my concern to XXXX and was looking to see what was happening. XXXX did not give a care in the world. He reasoning was its due to Covid and turn around time is 30-70 days turnaround. He continued to interrupt me and disregarded my concern as a new buyer. Mind you nothing was wrong with our credit, income etc. And also mind you, we started the process back in XXXX which now we are in 90 days. Outside of the SLA XXXX XXXX mentioned above. Now we are in XXXX and yet still nothing. We received a cancellation notice with the builder due to lack of closing. This information was forwarded to Mortgage Solutions team from my understanding and still, nothing. DO NOT choose this lender to close your loan. They have given us XXXX and this is suppose to be an excitement and joy as first time buyers. Other than their lack of fair service, there is no other reason why we should not have closed. This isn't the only platform I will submit my complaint because this has caused us to be put in a situation on many levels. We have to consider now where we are moving with now our lease being up to leave our apartment, my children being withdrawn from their school with the assumption we were moving because of our Closing Disclosure we received. Mortgage Solutions of Colorado LLC is pathetic and have lazy, sorry associates representing their values. If they have any. If I could give them a zero rating I would.