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

bought XXXX XXXX in XXXX. loan is thru Chrysler capital and serviced by bank santander. 
they changed accepting payments with my credit card in XXXX and now accept ach payments. 
can not use their web site to schedule payment or payments after repeated calls to them. 
they will get back to me and never do. last spoke to supervisor XXXX on XXXX and we agreed on XXXX hours to get back to me. never heard from him. I have payment due on the XXXX of the month and have to remember on the XXXX to call them to authorize by phone. this is unacceptable to me and feel they want me to pay the loan off due to the XXXX % rate. can not plan in advance, they make it difficult so that I give up. that ai n't gon na happen!
Product: Mortgage

On XXXX XXXX I applied for a refinance cash out with my existing mortgage Flagstar Bank. I locked my rate at 3.0 %. I paid {$550.00} out of pocket for appraisal. After appraisal Flagstar adjusted rate to 3.22 % they said because appraisal came in at XXXX instead of XXXX. When I looked at loan estimate it said 3.26 %. My loan officer XXXX XXXX said he would talk to his manager and get approval to correct it. 4 days later estimate still said 3.26 %. I emailed asking for an explanation and I was told it takes time. On the final loan estimate it said 3.3 %. I emailed got no response was told their internet was down. I have all emails of correspondence saved as documentation. I then began to look for other lenders as this rate was never agreed upon by me. I found XXXX XXXX and asked for my application with Flagstar to be withdrawn. On XX/XX/XXXX a formal letter was written by me asking for the {$550.00} out of pocket appraisal I paid for be transferred to XXXX. Flagstar said they would and it could take up to 48 hrs. After numerous emails and phone calls over 2 weeks XXXX still has not received appraisal from them. I would like my appraisal transferred as they agreed to do or refund me my {$550.00}.
Product: Debt collection

My business was contacted by phone by Zwicker & Associates on XXXX XXXX, 2023. A message was left for me, XXXX XXXX, to return their call. On XXXX XXXX, 2023, Zwicker & Associates called my personal cell phone and claimed that I personally owed an alleged debt. Zwicker & Associates refused to supply any written information on the alleged debt. Zwicker & Associates forcefully tried to have all communications through electronic means, in which I strongly declined. Since five days of the initial contact, Zwicker & Associates has failed to provide any written communications, as required by law, and as requested by the consumer, via USPS mail for an alleged debt that was already paid in full.
Product: Money transfer, virtual currency, or money service

I am filling a complaint Against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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, and I seek appropriate redress for these violations.
Product: Mortgage

Got a VA loan in XX/XX/2021 with a payment of {$2200.00} now the mortgage company is changing to {$2400.00} due to a shortage in the escrow. I feel that we were enticed to a loan with a lower payment.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' XXXX. XXXX XXXX XXXX XXXX, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX XXXX and on XXXX XXXX I saw on my XXXX XXXX Equifax report. On Equifax and XXXX XXXX credit report. They have inquiries that are due to identity theft. XXXX XXXX inquiry is XXXX XXXX. On Equifax is 2 inquiries one from XXXX XXXX XXXX  and from XXXX XXXX XXXX   XXXX XXXX. These inquiries was not done by me. Also XXXX has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you XXXX ... .. this Today XX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! So XX/XX/XXXX its still on here ... XXXX XXXX, XXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XXXX, XXXX. That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a report from all XXXX credit bureaus stating SENSIBLE AUTO placed my account into Collections. 
On XX/XX/2023 I Disputed with all three Credit bureaus regarding XXXX XXXX. For starters XXXX XXXX illegally sent my account to collections months before the legal requirement of 180 days. As well as filed and sent me a copy of Form 1099C Cancellation of debt under code [ G ] signifying that all debt has been paid In Full. I sent this evidence to all 3 Credit Bureau and they only changed the status from Collection to Paid In Full/After Charge off. 
I also noticed that the new reportings from the bureaus all had different last payment dates. 
XX/XX/2023 I Disputed again that this account should be closed and Paid in full and not a charge off or collection, and this time the reports status said Open and comments read late on no more then two payments past due. And the last payment made disappeared.

I then contacted the bureaus and expressed to them that this is a form of Tax fraud from XXXX XXXX because they tried to charge off the car after filing a 1099c to cancel 100 percent of the debt and then try to send me to a collection agency to get more money out of me on top of trying to illegally repossessing my car. I have alerted the IRS of this matter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : VERIFIED INFORMATION NO EXPLANATION NO UPDATED REPORT WITH ANY EXPLANATION OR DETAILS ON INVESTIGATION XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL XXXX BUREAUS. 
RESULTS : VERIFIED WITHOUT ANY CHANGES OR EXPLAINATION. 

XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : NO CHANGES MADE NO INFORMATION PROVIDED XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL XXXX CREDIT REPORTS RESULTS : NO RESPONSE ALSO I QUALIFIED FOR ACCOUNTD TO BE DISCHARGED. THE AMOUNTS WERE REMOVED NOT THE DERROGATORY INFORMATION. ALL DERROGATORY INFORMATION MUST BE REMOVED IMMEDIATELY OR DELETE ACCOUNTS ALTOGETHER. 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted payment to resolve a debt and specifically stated that if the check was cashed, XXXX XXXX had to remove Collection status off of my credit report. XXXX cashed the check and when I submitted the letter to Experian including proof of a cashed check, Experian still refused to reclassify the debt as " paid in full ''.
Product: Bank account or service

Bbva compass will not remove the XXXX fees from my account after someone tried to use account Date : XXXX/XXXX/2016 From : XXXX XXXX To : XXXX XXXX Account : Savings XXXX Time : XXXX Reference ID : XXXX Memo : I am unable to issue dispute under account XXXX 1. Amount of change {$38.00} x XXXX NSF 2. Posted date XXXX/XXXX/16 & XXXX/XXXX/16 3. Merchant name XXXX 4. Reason for dispute ( cancelled services, onetime payment, etc. ) This transaction is not for me this is not my insurace carrier I never initiated services with them 5. Your current mailing address XXXX Fl XXXX 6. Your phone number XXXX 7. Preferred method to receive the dispute paperwork ( by mail, fax, or email and provide such information ). email 8. Have you attempted to contact the merchant to obtain a refund? Yes I contacted this merchant initially on XXXX/XXXX/2016, and was advised there was no way to provide me any information as the SSN provided, Drivers License number, address, and also the DOB provided does not match my information. The merchant explained I need to contact my bank. 
9. If so, what date and what was their response? XXXX/XXXX/2016 I was advised there was no information t CloseDelete Reply
Product: Credit card or prepaid card

XX/XX/XXXX, I opened an account with American Express Serve in order to keep a prepaid card loaded with funds for a close family friend. 

XX/XX/XXXX, after over 2 years using the account in this way, American Express Serve XXXX & suspended my account. My attempt to resolve this with them was declined on the same day. 

Since then, for the past 5 years, American Express has emailed me almost monthly an email with the subject " Your scheduled transfer was unsuccessful ''. The email 's contents indicate that they still have my bank account information and are routinely attempting to draft funds from my bank account into this account. 

I have contacted American Express multiple times, most recently XX/XX/XXXX, regarding this issue. Their response is always the same. They say it is impossible for them to stop emailing me, impossible for me to log in to the account to disable this automatic draft attempt, impossible for them to delete my bank account information they continue to hold and attempt to withdraw funds from. Almost every month for 5 years I receive a notice that American Express is trying ( and so far failing ) to draft funds from my bank account into a cancelled account, and every time I talk to them I am told that I will have to live with this forever. After 5 years of reminders that American Express is holding my bank account information and trying to take money from it each month, I am filing this complaint.
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX XXXX from XXXX XXXX XXXX XXXX regarding legal papers that would be sent to my home for my signature. She then proceeded to tell me that my XXXX XXXX XXXXXXXX would be affected because I defaulted on a payday loan. She also asked questions about my vehicle and whether or not I still owned it. 
I got the same phone call again on XX/XX/XXXX making the same threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 

Kindly fix the following accounts : XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$430.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer disputing XX/XX/XXXX and XX/XX/XXXX XXXX Account.
Product: Debt collection

Portfolio recovery and associates is continuously reporting unverifiable, inaccurate, misleading, & fraudulent information on my consumer credit report. A violation of federal law. 

After reviewing my annual report I have noticed that portfolio recovery and associates has reported to the three major credit bureaus. An account under the name : portfolio recovery and associates ; original creditor XXXX XXXX  XXXX. 

Back in XXXX of XX/XX/XXXX, I sent a validation letter to the company to accurately validate this account. 

As of today XX/XX/XXXX I have yet to receive a response. Meanwhile this account is being reported to the three major credit reporting agencies. 

My validation request was as follows ; : Provide a full detail & calculation of the debt they say I owe, : Provide last payment received, : Provide statue of limitations of which may apply in my state : Provide original creditors name address and contact information, : Provide a full description and proof that I agreed to pay the debt they say I owe, Again as of today XX/XX/XXXX I have not received a response. A violation of FDCPA section 809b
Product: Debt collection

I contacted this business for a debt that I believe doesnt belong to me. They were very rude and hardly gave any information. I asked for PROOF OF VALIDATION, they sent me two forms that look like they wrote in my name. These forms are fraudulent because Ive never signed nor lived at this address. The signatures on the form are nothing like mine, also I asked for the original documentation. They sent in a letter showing fees that were assessed. I never lived here and if someone has used my name I want to take the correct legal action. I would like this company to send me the original lease and any other proof that this is my debt, not just a paper they scammed together. If I dont receive original documentation I will be suing this company. Its been far to long that theyve been scamming me. Also every week theyre going up on the debt. This is also fraud and Ill be filing another complaint with the XXXX.
Product: Debt collection

In XX/XX/XXXX I received a notice dated XX/XX/XXXX, from American Coradius International LLC that a XXXX, XXXX account in my name had been placed with them for collection of {$510.00}. I do not have nor have I ever had a XXXX, XXXX account # XXXX. Per the instructions in the collection letter, I notified ACI in a letter sent by certified mail on XX/XX/XXXX, that I disputed the claim, that the XXXX account number was not mine and that I had no outstanding obligations to XXXX. After the letter disputing the claim was sent, I received at least four phone calls attempting to collect the disputed amount. ACI never sent me the promised verfication of the debt or a copy of any judgment as they said they would if I disputed the debt. On XX/XX/XXXX, I received second debt collection letter dated XX/XX/XXXX, from ACI LLC for this XXXX bill that is not mine. The amount of the account balance has risen to {$1000.00}. I have again written to ACI and disputed the validity of the debt.
Product: Debt collection

A company by name of XXXX  repeatedly kept calling me, and some family members leaving messages with them about trying to locate me. 
And that a claim was in process of being filed in county I live in. 
I did call this number back and they seemed to know a debt that I owe but was asking me for personal information to get into file. 
I feel XXXX because I did give them some then They were going over payment arrangements that if I could have afforded debt would have been paid to begin with. 
The more I thought about it it didn't seem right so I asked for companys full name address and a written statement and they said they don't provide that information and they would send out a notice thru county to locate me.
Product: Money transfer, virtual currency, or money service

I am the business owner of XXXX, a registered company. We are selling XXXX based car navigation systems for XXXX vehicles worldwide and it is a renowned brand with 5 years of operation and continue to growing. We use PayPal service to collect money from our customers and we had good relationship with PayPal Inc for the most of the time. Our account e-mail is XXXX, XXXX. However, it came to a sudden end today like attached e-mail copy that PayPal sent us a notice of account suspension without any explanation why.

Our fund with PayPal, about XXXX USD, is frozen for the next 180 days without an explanation. We contacted PayPal customer service they were not able to answer why either.

We believe we did not engage any activity that is related to a crime, fraud or anything that governing laws and regulations are prohibiting and we are in good standing in terms of its commercial activity. Indeed, as a private company PayPal may have a right to terminate business with us providing no explanation, but holding someone's money for 180 days without any justification is indeed hard to understand and it does not comply to common senses and business ethics.
Product: Credit reporting or other personal consumer reports

Experian 's failure to remove a closed account upon your request constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as Experian, must : Conduct reasonable reinvestigations when a consumer disputes the accuracy of information in their credit report. 

Delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

Provide consumers with the results of their reinvestigations. 

Prevent the reappearance of previously deleted inaccurate information. 


By not removing the closed account as requested, Experian has failed to adhere to these FCRA requirements. 

Notably, on XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging that the company conducted " sham investigations '' into consumer disputes and reinserted inaccurate information into credit reports. The CFPB 's complaint highlights systemic issues within Experian 's dispute resolution processes, which may be pertinent to your situation. 

Given these developments, it is advisable to document all communications with Experian and consider consulting with a consumer rights attorney to explore further actions to ensure your credit report accurately reflects your financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, a consumer and natural person, was denied credit by Discover when I applied for XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C XXXX. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. Discover is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of Discover according to law.