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

I purchased a new vehicle at a dealership on XXXX by trading in two vehicles, one of which had a loan with Chase Auto Finance. The  dealership sent a check to Chase on XX/XX/XXXX. Chase insisted for over a month they they did not receive this check despite it being faxed to them at least three times. They have told me and the dealership multiple times that they are behind on processing checks because of COVID. I get that. But they have charged me late fees and reported the account delinquent to the credit bureaus, lowering my credit score by 103 points. This behavior is unacceptable. 

XX/XX/XXXX : I reached out to Chase and they said they hadn't received the payoff check and threatened me with a late fee. 

XX/XX/XXXX : I called the dealership. They said they spoke to Chase and don't worry. They are behind on processing payments and won't charge a late fee. 

XXXX : Chase charged me a {$10.00} late fee and posted a late notice letter electronically to my account. I called Chase. The rep was rude and told me to have the dealership cancel the check and send another one. I asked for something in writing stating they were behind on processing payments. The rep refused. I called the dealership. They  said they faxed a copy of the check and to wait until XX/XX/XXXX, the issue should be resolved by then. 

XX/XX/XXXX : The account is still flagged as open and past due. I call the dealership and ask for a conference call w/ Chase. The dealership transfers me to someone at Chase who says there is no record of payment. Admits that Chase is behind on processing payments but won't provide anything in writing to this effect. I escalate to a supervisor. Supervisor outright refuses to provide anything in writing. Gives me a fax number to send the check. 

XX/XX/XXXX : Received a letter from a " Research Representative '' at Chase Auto asking for proof of payment. I send the check copy from the dealership via postal mail. 

XX/XX/XXXX : Chase begins making unsolicited calls for debt collection. I explain the situation. Rep isn't interested and tells me to fax the check. I fax the check copy to the number I was provided on XX/XX/XXXX at my own expense at a XXXX store. 

XX/XX/XXXX : Began receiving credit monitoring alerts online telling me that Chase reported the acount delinquent. My credit score drops 103 points instantly. 

XX/XX/XXXX : Called Chase who finally acknowledged they have received the check from the dealership, but that it would take " XXXX weeks to be processed ''. 

XXXX : Chase charges me another {$10.00} late fee and I continue to receive credit monitoring alerts from all bureaus. I file a dispute with XXXX. 

XX/XX/XXXX : XXXX  closes the dispute in Chase 's favor. 

XX/XX/XXXX : Chase has had ample time to fix this situation. I am filing this complaint to seek justice and demand they rectify this error and correct their false claims on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App Im ( 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 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

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Debt collection

On XXXX XXXX XXXX XXXX, a court judgement was filed against me in XXXX XXXX ; which is located in Illinois. The judgement was in regards to me supposedly owing Synchrony bank, XXXX. I was unaware of this judgement because it was connected to an account with JC Penny. During the year of XXXX, I was a Social Security recipient and my funds were being overseen by a designated payee. The designated payee was mandatory and court ordered for me to receive my monthly payments from Social Security. It was during this time that I believe the account with JC Penny was set up under my name. The payee who had access to all of my personal info, I believe is the one that set up the account without my knowledge. I am currently still on Social Security and have been for over the past XXXX years. Now, the balance has increased to XXXX because of interest that has incurred. There was also ; legal fees that was ordered by the court of XXXX XXXX in the amount of XXXX. I have spoken with JC Penny in regards to this matter via telephone, and was told that there would be an investigation into the matter. I was sent a response by Synchrony bank on XX/XX/XXXX, stating that, I had participated or benefited in the purchase, the account had been open for more than 12 months with statements sent to me, if statements were sent to me the payee would have been the one to send in a payment not me, and it was also; stated that payments have been made by me on the account in question, which is not true! If any payment was made it was by the individual payee that was assigned to me in order for me to receive my Social Security monthly payments. As far as the court order, I did not sign off on anything because I was unaware of the debt! I am being harassed by Sychrony bank by mail concerning this matter and would like for it to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX CARD Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

We financed $ XXXX in equipment from XXXX XXXX XXXX back in 2019. Since that time we have paid it off monthly and have paid over and above the original amount owed plus interest. After paying the final amount due, XXXX claimed we still owed over $ XXXX. After disputing this numerous times, XXXX sent the account to a collection agency- Valentine & Kebartas , LLC ( XXXX ) who is trying to collect.
Product: Debt collection

This company contacted me to pay for an appraisal and inspection and send my identification documents, the documents on the house I live and wanted to refinance with or without my mother to pay the " active collection on the stale debt of 2014 they bought in texas ) and they deceived and duress a senior to provide documents and do expensive reparis with the promise to release the lien and refinance the home we live in so that we can " cllear title '' and " keep our home ''. Then they hired an unlicensed collectyor who has a realtor license in california that sold or attempted to sell our title behind our back. causing title issues. The collector boasted that they ahve the " backing '' of XXXX XXXX XXXX  '' because XXXX owns 75 % of service link and they can do whatever including going against respa XXXX XXXX XXXX XXXX and collect cash for the banks even if secured XXXX XXXX XXXX XXXX military pensions are involved. They can " issue titles '' ad lib.
Product: Credit reporting or other personal consumer reports

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT credit an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Credit reporting or other personal consumer reports

I recently received a notice from XXXX XXXX XXXX XXXX, Date opened XX/XX/2023 Account number XXXX Original balance {$2200.00} However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice.

2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt.

3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information.

I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports.

Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay.

2. Details of the original creditor, including their contact information and the original account number.

I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian took over 30 days to respond to my dispute letter from XX/XX/2022. They are required by law to respond within 30 days, and they failed to do so. 

I sent a second letter on XX/XX/2022 stating I would like a description of the procedure used to determine the accuracy and completeness of the information including their method of verification. I stated in the letter that I do not consent to E-oscar or any means of automated verification. 

With the response I got, Its certain that it came from an automated system, which again I dont consent to! 

I have proof and I'm keeping a careful record of their actions. I will file small claims action against Experian seeking {XXXX} per violation for : 1 ) Defamation 2 ) Negligent enablement of identity fraud 3 ) Violations of the fair credit reporting act 4 ) Finacial injury Please let me know if you need proof they received a letter as I paid for certified mail and I'm keeping all records of Experian and myself.
Product: Credit card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
Product: Debt collection

I have been a victim of Identity theft as a result several accounts were opened in my name .  I have sent a letter to the collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and claim I did not provide sufficient information to investigate.  I do not understand this I have sent them a letter letting them know I am unaware and have no knowledge of this account and it is fraud, in addition I sent the account information that is reporting on my credit report from MCM.
Product: Credit reporting

Experian has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota motor credit Corp Documents have been sent in showing that the loan has a {$0.00} balance yet it shows up on my credit report as the only negative interaction I've had. I have proof the loan was paid down in full. The documents have been sent to dispute in the past. Also the account wasn't mine too begin with. I was XXXX years old at the time and didn't have a car. I'm a XXXX and I believe the accounts were mixed up. This has all been brought to their attention. 
Date reported:XX/XX/XXXX Payment Status : Collection/Chargeoff Account Status : Derogatory Amount Past Due : {$8500.00} Bureau Name TOYOTA MOTOR CREDIT CORP Account Type Auto Loan Responsibility Individual Original Loan Amount {$25000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear Experian I hope this letter finds you well, however, I am in need of your assistance. Upon reviewing my credit report, I have identified some concerning issues with the following accounts Upon conducting thorough research on credit reporting laws, I have come to understand that as a consumer, I have the right to dispute and correct any errors found on my credit report. This information was obtained from both the FTC and CFPB. These inaccuracies are causing considerable problems when I attempt to apply for credit. 
XXXX XXXX XXXX  XXXX XXXX Account number : XXXX, Past due is wrong and inconsistent. Delete or fix the information on the account detail section. 
I kindly request that you conduct a thorough investigation into this matter and provide me with an update at your earliest convenience. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I am trying to work out an arrangement with Sarma Collections so that I can get them off my credit report. I have tried calling them and nobody calls me back or answers the phone. A women answers but says she needs to transfer me to collections and transfers me to a line that nobody answers.
Product: Student loan

The issues is I have been given a XXXX determination and have been trying to get my private student loan discharged by Navient. The loan in question has a co-signer, it took me three attempts to find a co-signer that they would accept. At the time of my XXXX I had XXXX private with Navient, they discharged the one that did not have a co-signer and have determined that based on my XXXX I am no longer responsible for the loan. I feel that the co-signer should not be held liable for this debt, because at the time of her signing off on the loan ; I was healthy, going to school full-time and working full-time. So, based on that it was represented to her that I would be able to work and pay off the loan. Navient has decided, that my co-signer is able to repay the loan so they are making her. I feel that in this case the co-signer should not be held liable and the loan discharged just like they did the other XXXX.