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

I have retained new copies of my credit reports, and noticed that Afni did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/2017, I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. Thank You
Product: Checking or savings account

I have used my PayPal XXXX account to receive payments from my customers since XX/XX/XXXX in which I have received over {$130000.00} in payments and never had any issues with chargebacks or holds on funds with my account. Then on XX/XX/XXXX I received an email from PayPal saying that weve determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This was extremely upsetting since I never violated any of PayPals policies. After numerous attempts with different PayPal reps to get an answer on what exactly is the reason for my account being closed, one representative falsely claimed that the policy I violated was that I was promoting and or selling XXXX XXXX  which is ridiculous since my business has absolutely nothing to do with that! I requested for them to send me proof and they refused. 

At the time PayPal closed my account luckily I had a low balance of only {$33.00} in which they kept claiming that is was for damages done. They never specified what the damages were!

PayPal either made a huge mistake confusing me with a different case or they are extremely dishonest company. I would like my account to be reopened since I never violated any of their policies.
Product: Credit reporting or other personal consumer reports

Delete for inaccuracy because the payment history reflects continued reporting after this account was closed on XX/XX/year>. You are illegally causing this to re-age the account. 

It is not legal for you to ignore my dispute and I'm seeing that this is the exact same thing you're doing to millions of other consumers based on the complaints on the CFPB website, in addition to the lawsuits that are against you for failure to perform investiations pursuant to federal law. 

As is my right, I am requesting a reinvestigation of the following inaccurate information and am including NEW and RELEVANT information taken directly from my credit report, which can't be refused or ignored by your organization. 

XXXX XXXX : Account XXXX or XXXX I have submitted proof of screenshots because you failed to do an investigation. I'm including the CFPB complaints I've submitted againt you for failure to legally verify and correct this account. Continued reporting of this account is illegal. 

I do require a new credit report reflecting these chageds as well, mailed to the addess at top of letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  balance on my XXXX Credit Card that is open. I would like that adequately reflected on all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently disputed this creditor and have successfully deleted this creditor from my credit reports, however after about a month or so it pops right back up on my credit report. This is inaccurate information, I have never used XXXX services for anything. I have been working tirelessly to correct the inaccurate information on my credit report.
Product: Debt collection

In XX/XX/2022, I filed a dispute against several companies when I found that there were credit accounts opened under my name. XXXXXXXX XXXX promised they would resolve my case, which they did three months after my dispute. XXXXXXXX XXXX closed the account after an investigation found that I was not responsible for opening the account. 
However, a debt collection, Midland Credit Management, sent me a letter asking me to pay the balance on the previously closed fraud account with XXXX XXXX XXXX for XXXX USD.
Product: Debt collection

Company called me about a credit card bill from 1 year ago. I tried to explain my situation, but it seemed like the representative wasn't hearing it. She told me that if this bill wasn't paid by the end of XXXX further action would be filed against me.
Product: Credit reporting or other personal consumer reports

I am reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account Name : DLVRY FN SVC ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am the victim of several data breaches and fraud and identity theft. Under 15 USC 1681c-2 ( a ) I have the right to request the blocking and deletion of any and all fraudulent information due to these breaches, fraud and theft of identity. 

The inquires in question XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX I have no open accounts with the companies listed above and I have no knowledge of any of these inquires.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 I was to purchase 2 concert tickets via PayPal transfer. I transferred {$49.00} to the seller and never received my tickets. I notified PayPal of this issue they advised me to bbn notify my bank. I notified my bank and was advised to file a dispute claim. I need assistance.
Product: Vehicle loan or lease

My name is XXXX XXXX. I currently have an XXXX XXXX with Westlake Financial. To date, XX/XX/2022, I have received several threats regarding repossessing my vehicle, regardless of 5 or 6 days past due. This company repeatedly threatens to repossess the vehicle or make a payment, verbally. 

I am completely at a lost for words. I advised him that I would like to make a payment and he continued to directly ensure that it was out for repossession. I explained that I Today at XXXX XXXX XXXX XXXX I spoke with a representative XXXX and he explained that I do not qualify for any type of assistance and that my car is out for repossession. 

I have called several times repeatedly requesting for help ( numerous Westlake Representatives ) for status information, a return call from various negotiators as well as your Presidents contact information and/or the Department that handles Escalated matters such as this one. 

Please understand, I am not seeking any sort of sympathy, only assistance to get back on track. I am disheartened at how this company treats people during a pandemic and attempting to get back on track. I have been unsuccessful at obviously getting to the accurate authoritative person to provide me information that is a reciprocated interest, other than continue to mention repo. I was told that my last payment would bring my account current however, today, I was told conflicting information. 

To this day, I am very uncertain on how I was approved for a deferment and now I'm in repossession status. The company will continue to call and hang up when attempting to speak with a supervisor. 

I am humbly asking, once again for contact information for your Presidents office. I'm also advising you that we are taking necessary steps to seek the attention to my situation, because I am very certain that we are not the only auto owners that are being threatened. 
It is my opinion that because so many families are facing financial hardships that your department is so overwhelmed, and some files are not being properly handled and/or worked. It appears to be so much easier to decline or push a file off by repeatedly stating repo. 

It is my intention to work with Westlake, not build a fence between us. 

Respectfully, XXXX XXXX XXXX
Product: Mortgage

I went on the government forbearance program in XX/XX/XXXX and stayed on the program until XX/XX/XXXX. I began the process of exiting forbearance with my current loan servicer XXXX XXXX. At that point we negotiated everything regarding my current payment, the forbeared amount and the structure of the new loan. My loan was then sold at this critical point to a company named Shellpoint mortgage and I began talks with them in XXXX of the same year. They did not have any record of the agreements formerly made and furthermore reported that XXXX XXXX had charged me XXXX in erroneous escrow charges for which there was never any escrow funds enabled on the mortgage since its inception. Shellpoint has proceeded to place me in a default position, not honor any forbearance measures and immediately put a XXXX late on my credit report. I finally came to an agreement with ShellpoinXXXX stating that if I immediately pay back the forbeared amount, totaling more than XXXX, they would revert the escrow charges and the payment would resume back to my normal contracted amount and finally they would remove any negative reporting on my credit. They did offer me a modification payment that amounted to thousands in extra charges and me admitting my mortgage was behind while I made 3 monthly payments of an amount they calculated. I chose to pay back the forbearance monies and now they can not find my dispute documentation while they happily collected my wire transfer. Currently they are still trying to charge me over XXXX a month in escrow payments which has no calculus relating to my actual mortgage, still saying I'm 22 months late on my mortgage and credit history and are extremely slow to respond to inquiries and reluctant to return my phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong XXXX XXXX XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf 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 consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.

You SOURCE RECEIVABLES MANAGEMENT knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Checking or savings account

I had a account with us bank in   XXXX   that went to collections and I paid it off through   XXXX    XXXX   debt collectors and they never showed that the debt was paid off and so now I am an able to prove to  US B ank that I had paid the previous debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a chase client with the private client division in XXXX XXXX, XXXX for many years and I have various business accounts. 
I would like to report highly unprofessional conduct with the branch professionals ( XXXX XXXX and XXXX XXXX ) and the Chase Auto-loan department XXXX XXXX from Complaints Department ), which has caused damages in excess of {$180000.00}. 

The Chase Auto Loan division reported an incorrect late payment, which I disputed immediately, based on the following facts : A ) the payment reported was not late and proof of payment was provided ( attached ) B ) Chase Auto loan statements had been sent to the wrong address C ) the online profile set up by Chase to enable electronic payments was connected to the wrong profile without my knowledge. I had no access to this profile. 
D ) the name on the Chase Auto loan and all relevant information ( such as address ) was recorded incorrectly E ) payments I made by phone with Chase Auto were drawn with delay causing a XXXX day delay which caused a late payment reporting in my credit profile ( proof of payment attached ) F ) Lastly there are no branches in XXXX ( where I live most of the year ) to make payments. 
G ) Chase XXXX acknowledged a mistake was made by Chase and told me they would fix the issue with Chase Auto For all the above reasons, I contacted my local branch as well as Chase Auto to correct the late reported payment that showed up on my credit report as I'm about to close a large real estate transaction. 

I was told by the local branch that they acknowledge the mistake made by Chase, and that they contacted Chase Auto who also acknowledged it, and therefore would correct the record on XX/XX/XXXX. 

I then informed my lender ( who was funding a real estate transaction ) who agreed to postpone the closing, so I would not lose my down payment of {$180000.00}. The transaction would close once the updated report was provided. 

But it never came, because the bankers at Chase XXXX lied to me. 
Chase Auto informed me today that they denied this request. 

I have been a client with Chase for many years. I have never been late on any of my payments. Furthermore, I offered to simply pay off the entire loan, but no one was willing to speak to me. I was being cast aside with no help whatsoever. 

These are the very professionals I trust with my money. Clearly, these Chase bankers are not trustworthy, which is proven by this obvious and blatant misconduct. 

This late payment reporting must be corrected because of the circumstances which clearly proof mistakes made by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to USAA to verify my accounts that they are reporting on my 3 credit reports. They have not provided me with any real proof that the account is mine and that they can keep it on my credit reports. They are refusing to reinvestigate saying that I have not provided enough information But I have sent them the information that I got right off my credit report.
Product: Vehicle loan or lease

XX/XX/XXXX, my wife and I purchased a vehicle ( XXXX ) using Wells Fargo Dealer Services. In XX/XX/XXXX, my wife filed for divorce. XX/XX/XXXX, the divorce was finalized, and the divorce decree states that my now ex-wife was to retain possession of the XXXX, and was to refinance or payoff the loan to remove my name from the account. She sent in a check to pay it off, and that was the last I heard anything from Wells Fargo or my ex-wife until XX/XX/XXXX. I noticed that I had a derogatory remark on my credit report from Wells Fargo regarding the XXXX loan, and then received an email about a week later from my ex-wife, stating that she cancelled the payoff check and never refinanced, so the vehicle was still in my name. 

We agreed to have the XXXX voluntarily repossessed in XX/XX/XXXX. It is currently XX/XX/XXXX, and they still haven't come to get the vehicle. 

Now, I have this HUGE derogatory remark that has tanked my credit score over 100pts that isn't even my responsibility! Wells Fargo will not remove it from my credit report, despite having provided them with the divorce decree, signed by a judge, that states my ex-wife is responsible for the XXXX. I wish I could sue them, but I can not. 

I have disputed this with all 3 credit bureaus, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about open account on my credit report. I called to indicate I have no knowledge of the account and opening the acocunt. The number listed on the credit report is for a customer service life alert where they try to sell you a product but no answers your questions about the account. The only number listed on the internet for XXXX is for XXXX  and located in XXXX XXXX. I have no knowledge of this account and wish to have it removed immediately from my credit.
Product: Credit reporting

I would like for this company to remove debt from my credit file due to me having this same company as my auto insurance carrier.
Product: Vehicle loan or lease

I leased a new vehicle at the dealership XXXX XXXX XXXX XXXX XXXX. When I went into the finance office, the finance manageXXXX, XXXX XXXX, gave me a signature pad and told me I will be signing all my documents electronically, but he never gave me a screen or XXXX to see the actual documents. He told me that his computer system can not generate a contract until after I sign everything. He said he would summarize what I was signing, but I was unable to see anything I signed. We got to the part of the transaction where he asked if I wanted any service plan, I said no because it is a new vehicle being leased for 36 months and it will be fully under warranty for the whole lease. He said he had a great deal for me on this service plan, its only going to be {$3.00} per month. I asked him to clarify my base payment and what it would be with the service plan. He said my base payment will be {$530.00} and that with the service plan it will be {$540.00}. I asked him what the cash value of this service plan is because I know they are usually in the thousands. He said it was {$1500.00}. I told him that it didnt make sense that I would pay {$3.00} per month for 36 months and in return I get a service plan with a {$1600.00} value. I asked him how this was possible. He said XXXX is giving you an incentive for this service plan because they want to certify your vehicle when you return it at the lend of your lease. I replied Sir, you mean to tell me for {$3.00} per month, I can walk out of here and the next day I can cancel this plan and I get {$1600.00}? Thats like free money. He agreed with me and said Yes, I dont know why more people dont do it! I asked him if he was absolutely sure and I asked if he was messing with my rate at all to make the payments look this way, he said no, that would be unethical. I asked him one final time if he was sure, he said yes. So I agreed to it. The next day I was still uneasy about it so I called my local XXXX dealership to help me find out how much this service plan is actually costing me per month. They said that, according to my contract, the monthly price of that service plan is about {$49.00}, not {$3.00}. I asked them about incentives from XXXX about service plans, and they said that wasnt true either. I called Toyota financial services to be absolutely sure that I was lied to. They confirmed that what he told me was not at all truthful : There is no incentive from XXXX to buy that service plan, its not even an official XXXX product, and that XXXX certification process has nothing to do with service plans. I have the finance manager RECORDED saying all this to me as evidence of his fraud. After trying to resolve it with the dealership, they seem to think they did nothing wrong. Ive been researching this matter ever since. I believe the finance manager engaged in fraud, payment packing, and coercive tied selling.
Product: Credit reporting or other personal consumer reports

FOUND AN IQNUIRY ON MY REPORT THAT I DON'T RECOGNIZE
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times and my request has been ignore. 

I request removal of innacurate or old address. 

I would like to enforce my right under the 15 U.S.C Code 1681 ( a ). 

I will attached proof that this has been disputed and sent thru certified mail.