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

Hi, My auto loan was paid off in full on XX/XX/2021 and in XXXX I received a late payment alert from XXXX. I contacted Chase Auto and XXXX XXXX bout the issue and provided receipts from my bank statements showing I never missed a payment &, copy of the check from the insurance company. 

I also sent a copy of the refund check of {$120.00} from chase because I was still paying my car note even AFTER my insurance company paid chase auto because I was told by a chase auto represenative that they had to update my account and that I still had to pay up until they did. This error has affected my credit scores and XXXX XXXX and chase has not been cooperative. Chase is lying saying I owe {$410.00} and I do not.
Product: Debt collection

1.I have never had an account with this company ALDOUS AND ASSOCIATES , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ALDOUS AND ASSOCIATES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit card

I believe the account is invalid. XXXX XXXX XXXX XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through Acima Credit. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, Acima Credit reported my account as late on my credit report. 

I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. 

This item has been disputed through CFPB in the past.
Product: Checking or savings account

on XX/XX/XXXX there was a pending transaction that caused my account to run negative by a few dollars so I had a deposit made in the amount of {$50.00} to cover any potential overdrafting once the transactions finalized the bank went ahead and charge me a fee of {$38.00} and on that same day manipulated a transaction that was pending for approximately {$20.00} to post at a later date which resulted in a second fee of {$38.00}. I have spoken with two or three different Representatives that have refused to do the right thing and credit my account and now I am negative 50 plus dollars instead of being positive {$24.00}. I have since threatened to cancel my account which I'm in the process of looking for another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This constitutes a breach under 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. Their failure to furnish me with a written notice about the account prior to its reporting constitutes a violation. Consequently, I insist on the removal of the account from my credit report, as I contest the debt they assert I owe. 

Moreover, they have infringed upon my rights stipulated in 15 U.S. Code 1681b ( 2 ), governing permissible purposes of consumer reports. This breach occurred through the unauthorized reporting of the account and the improper usage of my social security information. In light of my identity theft victimization, 15 US Code 1681c-2 necessitates the blocking of such data without my explicit written consent. 

Per the guidelines of 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. Regrettably, this right has been violated by their public dissemination of my information, an action for which I never granted your organization authorization. 

I demand the immediate deletion of this account from my credit report.
Product: Debt collection

TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the mishandling of my personal information due to the data breaches at XXXX and XXXX. These incidents have caused significant concern regarding the security of my personal and financial information. 
I have spent significant time and resources addressing potential fraud, monitoring my credit, and disputing inaccurate information. 
I request the CFPB 's assistance in mandating the removal of any fraudulent or inaccurate data from my credit file caused by these branches. 
I have attached documentation to support my claim, including credit reports and any correspondence with XXXX and XXXX.
Product: Debt collection

My car was repossessed on XXXX of 2019 and I never received the Rights to Cure before repo nor The Notice of Sale post repo. This is a violation of he FCRA. I contacted Santander several times and they informed me that it was sent to the wrong address. I asked what address was on file and they gave me the correct one. I also asked them why they sent such important documents to incorrect address if the correct address was on file, and the rep stated she didn't know. The credit bureaus keep verifying the debt and updating Santander on my report. It is not the debt that i'm disputing, it is their business practice which violated my consumer rights.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2022. Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account Number : XXXX
Product: Checking or savings account

Chase bank closed my account without any notice. They refuse to tell me why they closed my account. They would not give me any money on Friday, I asked for {$100.00} and I have about XXXX  in my account, they would not give me any money.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance {$130.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX Balance {$0.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I have been having serious issues paying my mortgage both being due to XXXX as well as XXXX XXXX XXXX XXXX As a result, I applied for a loan modification. I submitted every document that they requested. Upon their review, they denied my modification as they said I had too much equity in the home. The bigger problem is that I have an abysmal credit score ( under XXXX ) and I can not qualify for a line of credit or a refinance. I have tried to explain that to them and they basically said they don't care. It's my problem, not theirs. My family has owned this house for over 40 years. In fact, my father went through a similar situation in XX/XX/XXXXand they ended up selling the house in foreclosure even though they stated they would not. As a result of the house being sold, the new owners came to the house and brought moving trucks to move my father out. My father overreacted and the police were called, he was eventually XXXX  by the police as a result of the sale of the house. I ended up reaching out to the media and it was discovered there were some fraudulent actions taken and the bank gave me the loan to the house, which also causes problems with getting a refinance or line of credit using the equity on the account.
Product: Credit card

In XX/XX/2023 XXXX unauthorized charges totaling {$7300.00} appeared on my Care Credit accounts ( owned by Synchrony Bank ). I disputed the charges in writing and they were removed from my accounts. 

However, in XX/XX/2023 XXXX new unauthorized charges totaling {$7300.00} appeared on my Care Credit accounts, described as " XXXX XXXX XXXX XXXX. '' I again disputed the charges in writing, but this time Care Credit did not post temporary credits for the unauthorized charges, and instead they falsely reported artificially inflated credit utilization rates of 98 % and 99 % to the credit bureaus, thereby lowering my credit scores significantly. 

In XX/XX/2023, as a result of the artificially lowered credit scores, Synchrony lowered the credit limit on my PayPal Mastercard from {$4000.00} to {$1900.00}, citing the ( false ) data Synchrony itself was reporting on my Care Credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 an 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 or 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXXXXXX 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: Debt collection

XXXX XXXX XXXX XXXX Last four of social XXXX Re : Follow up Date : XXXX To Whom this may concern : I recently mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the accounts were verified. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). 

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information the original creditor to ensure a proper investigation of my dispute. I am requesting you to provide me with ALL Information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 


Per FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Regards, XXXX XXXX
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Auto Finance regarding their unfair fees and the mishandling of my account. Over the past few months, my monthly statements have not been accurately reflecting my payments. I have attached my payment history to demonstrate TD Auto Finance 's billing practices. 

According to my monthly statement, my bill is due on the XXXX of each month. However, TD Auto Finance is charging me a fee even though they receive my payments on time. My account shows that I am up to date on my payments, but their statement summary indicates otherwise. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to rectify the situation. 

Sincerely, XXXX XXXX
Product: Debt collection

A debt collection for a repo of {$8000.00} from American Credit Acceptance was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to XXXX XXXX XXXX which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX   who is disputing this and requesting for it to be deleted from XXXX, XXXX and XXXX.
Product: Mortgage

I am requesting that the mortgage company prove that they are the holder in due course as well as some accounting information as well as proof that they loaned me " money ''. A contract is NOT valid without equal consideration and it is not valid if there is fraud and non disclosure. Also an unanswered affidavit stands as fact in a court of law, proving guilt. 
I have requested this information at least 10 times to no avail. per RESPA regulations, when a consumer askes for information, the alleged lender is to confirm receipt of the communication in 5 days and respond in 45 days. it has been almost 2 years and i am yet to receive an answer. There is NON disclosure from the start of the alleged loan. There is FRAUD and RESPA violations. As per UCC 3-603 the loan was paid in full yet they are still claiming non payment. There is non transparency, deceptive and predatory lending practices. 15 USC 1692 states congressional findings and declaration of purpose about abusive practices. Not only are they not responding to my request which by law they MUST, but they have the nerve to start foreclosure procedures ... epitome of abusive practice. I have certified return receipts going back 2 years with all notarized requests.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, DNF Associates, XXXX XXXX, are violating my federal rights and I am seeking direct legal action against all. 

Debt : XXXX XXXX installment loan 1. These companies/ entities are attempting to sue me without prior notice.

2. These companies are attempting to sue me in a state I do not live in nor the state the contract was signed.

3. The debt is past Statute of limitations.

4. I have contacted attorneys in my state of residence and the state they operate in and I am starting legal proceedings against all 3 agencies in said state.

5. The state signed is not the state I resided in when the debt went to collections. 

6. They are using an address in the state they operate in as a possible address I live at. I have disputed this address since it first reported on my credit accounts around XXXX of 2022. I never lived at that address and have a sworn affidavit attesting to that. 

7. The original loan contract which they are bound to abide by, states arbitration and not civil court.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXX XXXX I HAVE INCORRECT INFORMATION IN MY CREDIT INFORMATION AND I HAVE BEEN A VICTIM OF IDENTITY THEFT, PLEASE DELETE THIS COLLECTION THAT IS FRAUDULENTLY MADE FROM MY CREDIT REPORT, HERE I SEND YOU THE IDENTITY THEFT, PLEASE DO NOT PLACE A FRAUD ALERT, AND IF THERE IS A FRAUD ALERT PLEASE RENEW IT THANK YOU
Product: Mortgage

Received a prescreened offer from Polaris Home Funding Corp to refinance my mortgage. It looks like a pretty shady offer but my main issue is that I do n't think they are following the federally required guidelines for pre-screen offers. They should be required to provide more information about opting out of pre-screen offers, including the addresses of the credit bureaus.
Product: Debt collection

A collection agency by the name of Sequium Asset Solutions out of Georgia, called My XXXX XXXX XXXX work cell phone, I gave verbal permission to speak to my Case XXXX, the ageny representative XXXX XXXX, informed me that they received the account on XXXX XXXX XXXX First, he identified himself as collecting for XXXX XXXX, then he said it was XXXX I am formerly homeless, in low income subsidy housing and there was a deal that XXXX was giving to all the clients on site, XXXX received the equipment back, which should have been XXXX removed off the bill. Secondly, XXXX never notified me via email or mail that my bill was past due, nor that it was being sent to collections, NOR did i receive any sort of electronic or mail from the collection agency about the validation notice and was never given the 30 days i have to dispute the debt. 
According to FDCPA section 809 ( validtation of debt ) this was a violation because I never received the validation notice via email or via mail, and never notified that my bill was in collections, I am being charged for equipment never recived & it was never hooked up and was never informed that i had a past due until now and alledgely the bill went past due in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me to dispute inaccurate credit information by not allowing me to log in. They keep replying that my password is incorrect even after I am allowed to go through their Forgotten Password protocol.