23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ssn : XXXX Subject : Revocation of Consent for Information Sharing and Privacy Violation Concern To Whom It May Concern, I am writing to file a formal complaint concerning the handling and unauthorized sharing of my personal and financial information by XXXX XXXX XXXX XXXX and Experian particularly related to my accounts with the account numbers XXXX and XXXX. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am exercising my legal rights to privacy and control over my personal financial information. I hereby expressly revoke my consent, whether it be written, unwritten, verbal, or non-verbal, for any authorizations previously granted to XXXX XXXX XXXX XXXX or Experian and any associated entities for sharing any and all information pertaining to the stated accounts. This revocation is in accordance with 15 USC 6802 and is effective immediately. 

I have reason to believe that my personal information has been handled in a manner that is not compliant with the FCRA and other relevant privacy laws. This mismanagement of my personal data is not only a breach of trust but also a violation of my rights as a consumer. 

Additionally, I seek confirmation that all forms of consent for sharing my information related to the above-mentioned accounts have been fully revoked and that no further sharing of my information will occur without my explicit consent. 

Your immediate attention to this matter is not only appreciated but essential in maintaining the integrity of consumer rights and privacy. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to bring to your attention an issue on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed the presence of late payments that I believe have been inaccurately reported. I kindly request your assistance in promptly addressing and rectifying this matter. 

I understand the importance of accurate credit reporting, and I value the integrity of the information contained in my credit file. However, I believe there may be errors in the reporting of late payments that are affecting my creditworthiness. To assist you in resolving this matter, I have enclosed copies of relevant documentation, including proof of timely payments during the periods in question. 

XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX  customer service representative XXXX 

I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate information be corrected promptly. I trust that you will handle this matter with the diligence and attention it requires. I kindly request that you keep me informed of the progress and any actions taken to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect unverified incorrect Bankruptcies on my credit report i have requested several investigations into my correcting my report but the issue still hasn't been investigated or corrected and was claimed to be verified through XXXX i recently obtained a copy of my XXXX report which show no Bankruptcy being reported so i am requesting and investigation to correct the issue
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance your assistance in investigating this matter to ensure my rights are up help. Thank you. 

I was anticipating getting my check on the evening of XXXX XXXX in which I did not receive. On XX/XX/year>, nothing was in my account. Today, as I am writing you, XX/XX/XXXX, I am in still in need of my funds in which I have multiple bills that are due, as well as in need of food for my family. 

I have yet to receive an email from XXXX XXXX and the time is now XXXX PM on XX/XX/year>.
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. 
1 ) XXXX XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number 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: Bank account or service

During XXXX and XXXX I purchased items through online venders. These hobbies are highly technical and required exact part specifications be sent. Often these products were either misadvertised or came in a different condition than described. Because of the frequency of this, it created a witch hunt of sorts on all levels it seems. I exercised or tried to exercise my rights to the best of my ability to challenge and dispute these with Branch Banking and Trust, BB & T. I went into the XXXX maryland location on XXXX and another on XXXX maryland. This is well noted that both XXXX XXXX and XXXX XXXX run/attempt to manage these locations. They are strong characters in the community, strong enough they are above the rules and assisting customers with complex issues. I have banked with BB & T for over 12 years, this has tarnished my relationship, causing close accounts and personal distress. I go in several times and try to get/give information relating to the claims opened in both XXXX and XXXX. It has been over a year and I am still fighting with this branch on all levels, while my original questions relating to the claims remain unresolved/unanswered, but not lost in the mix. They keep trying to group my several issues that they are creating over and over, its been going on for over a year, I wish I was allowed to wiretap the treatment. It is clear they are creating problems to confuse, complicate and distract from each individual issue to discredit me. I am telling everyone I know in the community with your names as well of those causing these issues, the whole community knows now and agrees. 

*What is needed from BB & T relating to all my claims/disputes opened in XXXX and XXXX is the following for each : *The letter is to include the following : 1 ) Date claim opened. 2 ) Company the claim was opened with. 3 ) The claim amount. 4 ) The status of each and when opened/closed. Please provide this to me in letter format. Please also send this information to the appropriate departments internally. This is/was my clear request on today 's call. Please provide me that letter answering the above after forwarding to the correct departments. 

*Please send the above to the company, as I have tried other steps with no remedy. Please also send a copy of this entire complaint and all future responses relating to the physical address on file through conventional mailings. Having a hard copy of this information to read in print is my clear request, as it greatly aids in my XXXX. This unique issue has never been addressed. I need this information or eventually it will be argued and demanded in costly legal trial through discovery. It 's been an unreasonable amount of time. The whole time I was XXXX they only got meaner, eventually XXXX and closing my accounts in my vulnerable time of need. It will never be forgotten. You are all personally liable, there is no plausible deniability.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 lose and| seek appropriate redress for these violations.
Product: Mortgage

XXXX XXXX Message body To Whom it may concern ; XX/XX/XXXX I was coerced into what turned out to be a predatory loan, in XXXX. I could n't afford the loan and expressed my concern to the broker., who placed in writing that if I could make payments for a year, he would get me a loan with a lower interest rate. This did not happen. I maintained the payments with great struggle for a year as requested. I was not able to continue paying the payments, my business had slowed down greatly and the money was not coming in to make the payments. Then in XXXX I became XXXX, I applied for a loan modification for a lower interest rate. After several attempts got absolutely nowhere. No one would talk to me. So I went to a govt agency for assistance, they worked with me to apply again for the loan modification. Resulting in their conclusion that the bank was deliberately trying not to help me. 
I finally received XXXX but that was no where near any amount that could help me pay my payments, forcing me into bankruptcy. 
Not paying any payments- the bank has since decided to foreclose. I have hired a company to do a forensic study on my mortgage -which resulted according to their conclusion, that are many violations and foreclosing would be fraudulent. There is proof of electronic violations, the original note has been lost or destroyed, note and deed of trust have been separated, the right party to foreclose must have in and original note as well as deed of trust to foreclosure. In this case no one entity does. Therefore foreclosure is deemed fraudulent. Please contact me as soon as you are able any assistance you can send my way is greatly appreciated - I want to stay in my home of 30+ years. Thank you - respectfully, time is running out. none of my documents on the computer, So I can not download and send docs to you. I can fax them to you if given a fax number you have access to. please advise thank you.
Product: Credit card or prepaid card

HJR 192 72 10 USC 15 SEC. 1681 The goverment is responsible for all debts and I am the original creditor. All injuries against the living man are fileable for damages and remedy can be sought after via redress. I aslo attempted payment was made via 1099-A.
Product: Debt collection

You have violated my rights as a consumer according to The Fair Debt Collection Practices Act ( FDCPA ) on multiple violations. 

Violation 1 and 2 : 15 USC 1692d ( 806 ) Harassment or abuse ( 2 ) You harassed me after I stated that the alleged " debt '' did not belong to me, via email. 
You harassed me after I stated that the alleged " debt '' did not belong to me, via phone. 

Violation 3 and 4 : 15 USC 1692c ( 805 ) Communication in connection with debt collection ( a ) I never gave the debt collector permission to communicate with me in connection with the collection of the alleged " debt '', as I have been harassed via email. 
I never gave the debt collector permission to communicate with me in connection with the collection of the alleged " debt '', as I have been harassed via phone. 

Violation 5 : 15 USC 1692c ( 805 ) Communication in connection with debt collection ( a ) ( 1 ) I informed the debt collector that it is NEVER a " good time '' to harass me about an alleged " debt ''. 


According to the FDCPA, you, Cascade Capital Funding LLC, assume liability to pay individual, remedies PER violation of {$1000.00}. 

Cease all alleged " debt '' collections following this communication. You do NOT have permission to contact me in regards to any alleged " debts ''. You have 3 days to remove any alleged " debts '' and respond only with violation remedies of {$5000.00} ( 15 USC 1692k ( 813 ). Civil Liability ( 2 ) ( A ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Vehicle loan or lease

I have contacted Santander Consumer several times regarding my loan. 3-4 times in XX/XX/XXXX and two times in XX/XX/XXXX. 
My loan came to maturity in XX/XX/XXXX. I contacted them to see if I could continue paying my monthly payments or even doubling up each month, so I can get the amount paid off quicker. 
The amount left over, is XXXX. I have been paying on this loan since XXXX. I asked them to look into my account, because I do not understand why the amount is so high. 
the manger I spoke to XXXX, stated that the amount is correct and that is what I owe. 
He said they will not work with me to continue paying by month. They will continue to hit my credit each month until the entire {$6700.00} is paid and it could be in risk of repossession. I have been paying on this loan since XXXX, and now it's at risk for repossession even though I have made my payments on time. 
I think they have made mistakes in my account and I believe I'm being taken advantage of. They will not even work with me. You would think, with eveything going on in the world during this pandemic, they would work with their customers. 
I need a resolution with a payment plan, I am willing to pay every month and even double up on the payments. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inaccurate accounts that do not belong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not ask for an inquiry for any of these 4 incidents attached below. I have tried to contact each company individually to have them removed to no avail.
Product: Debt collection

Midland employees called me on personal cell phone which is required for work during business hours repeatedly despite having requested this stop. I was called in excess of once a day by different people working for plaintiff and more than 3 times per week on multiple occasions. While I was disputing debt with Plaintiff out of court, plaintiff contacted my spouse despite his name appearing nowhere on the alleged debt. Predatory scare tactics were used to make him pay on the spot money he didnt have and required a loan from another family member causing strain on family relationships. He was threatened with worsened credit score and heavily implied repossession of personal property and jail time. I was in the hospital unable to work the time and could more be reached and the only reason XXXX made a payment is because of being scared in paying under false threats. We are now being sued but the company during a time of global financial crisis. It is unjust and illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Ss XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX To whom it may concern, My information was sold and bought illegally Because I was a victim of the Equifax data breach I want These items deleted from my credit reports effectively immediately I am attaching proof that Equifax had admitted that I was in fact a victim of this breach and equifax has done nothing please help me delete these illegal accounts from my credit reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 to me personally and I seek appropriate compensation.
Product: Credit card

My Fortiva credit card payment is due on the XXXX of each month. I paid my account via by bank 's bill pay feature on XXXX/XXXX/16. The bank verified that they mailed a check to Fortiva on XXXX/XXXX/16. On XXXX/XXXX/16, I received a call from Fortiva claiming that my account had not be paid and asking me to prepay for my XXXX XXXX payment. I called my bank, and they verified that payment was sent and even called Fortiva with me on the line to confirm that payment was XXXX Fortiva rep said that it may take 7 to 10 days for the payment to poast, and she would notate the account that payment was processing. Later on the XXXX/XXXX/16, I received yet another demand for payment call from Fortiva. I was told that I had to set up automatic recurring payments to ensure that my payments are processed on time because check payments do not post for 7 to 10 days even if they are received by the due date, and if the payment has n't posted, I will receive demand calls until it does. I feel that this is abusive behavior by Fortiva in an attempt to force me to set up automatic payments rather than using my bank or paying my mail. Fortiva seems to be holding onto checks and claiming that they have n't been received in an attempt to charge late fees and force consumers to give them banking account information. I was forced to make another payment to stop the phone calls, so I 've essentially paid Fortiva twice this month as my bank has already debited the original payment amount from my account.
Product: Credit card

I, XXXX XXXX, on behalf of the principal, hereby submit a formal complaint regarding Capital One 's refusal to credit my credit card account after receiving my tender of payment. I submitted three letters with securities and tender of payment, which Capital One acknowledged receipt of, but has since failed to credit my account or discharge the outstanding balance as legally required. 

Under the Uniform Commercial Code ( UCC ) 3-603 ( b ), the acceptance of a negotiable instrument or bill of exchange by the bank or creditor constitutes settlement of the debt, and the obligation must be discharged immediately. Capital Ones refusal to credit my account violates this statute and the Truth in Lending Act ( TILA ), 15 U.S. Code 1635, which mandates accurate and proper accounting of credit transactions. 

Furthermore, by continuing to report an outstanding balance and preventing access to my account, Capital One has breached its fiduciary duty and caused significant financial harm, emotional distress, and reputational damage. This is a clear violation of federal law, including the Securities Act of 1933, and constitutes fraud. 

Supporting case law such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, establishes that once a payment in the form of a negotiable instrument is accepted, the debt is to be fully discharged. Capital One 's failure to do so is a direct breach of contract.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled WORLD FINANCE CORPORAT account number XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

I am submitting this formal request under my rights granted by the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX. My personal information was exposed due to the XXXX data breach, leading to identity theft and fraudulent accounts appearing on my credit report. As a victim of identity theft, I request that you immediately block the following fraudulent accounts from my credit file. 

Fraudulent Accounts to Be Blocked : XXXX. XXXX XXXX Co XXXX balance : {$12000.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX balance : {$370.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX XXXX Account number : XXXX Fraudulent balance : {$370.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Fraudulent balance : {$570.00} Date discovered : XX/XX/year> Pursuant to the FCRA and the XXXX XXXX XXXX XXXX ( XXXX ) guidelines, I am requesting the permanent removal of these fraudulent accounts from my credit report. Enclosed, you will find my FTC Identity Theft Report ( Report XXXX. XXXX ) as supporting documentation. 

Under XXXX XXXX. XXXX, XXXX is legally required to block the fraudulent information from my credit report within XXXX business days of receiving this request. Additionally, I request written confirmation that these accounts have been removed and that no further collection or reporting of these fraudulent debts will occur. 

Please send a response confirming the removal of these fraudulent accounts at your earliest convenience. Should you require any further documentation, do not hesitate to contact me via the information provided above. 

Sincerely, XXXX XXXX