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

I am writing to formally file a complaint regarding deceptive practices against XXXX XXXX XXXX XXXX. I WAS APPROVED BY CAPITAL ONE AUTO FINACE. On XXXX XXXX I went back to the dealer after they told me I didnt have to put a down payment for the car I was already approved for. When I get done with the salesman he took me to a back room where the manager said my trade in wasnt enough and how much cash could I put with my vehicle. I ended up putting XXXX cash down with my current vehicle which was valued @ XXXX they only gave me XXXX . Then I come to find out they ran my credit with multiple companies without my consent. * Inflating the total purchase price above the invoice or sticker price, such as by concealing options the consumer did not request, or by including other unapproved and undisclosed fees; * Falsely stating that optional features are required ; * Advertising a vehicle for a certain price and then telling consumers that the advertised deal is no longer available and attempting to sell them the same vehicle at a higher price, often known as a bait and switch scheme ; * Undervaluing or underpaying for a consumers trade-in vehicle ; * Falsely representing a used vehicle, including XXXX originally purchased from the dealership and then returned, as new ; * Representing that a new or used vehicle has features or options that it does not have ; * Claiming that a warranty offers protections that it does not offer, or falsely representing an extended service contract as an extended warranty. 
Under federal an consumer law 15USC1605 15USC1662b 15USC6803 18USC911 15USC600808 This issue appears consistent with recent findings by the CFPB which identified similar practices by XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX INQUIRY : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

1 ) Several requests have been submitted to Select Portfolio Servicing, Inc. ( SPS ) to provide proof of debt validation. The response from SPS to date has been inaccurate. SPS continues to provide documentation on Provident Funding as the originator of the presumed debt. SPS has not yet furnished the original promissory note dated XX/XX/XXXX. Therefore, as a debt collector, SPS must cease and desist from all proceedings concerning ACT 91 and any foreclosure action they are pursuing until this request has been satisfied. This matter is still opened and in question.

2 ) SPS has sent eight ACT 91 disclosures, was that meant to be a scare tactic? Those disclosures were sent based on inaccurate information and lack of debt validation and proof of origination. 
XXXX ) What personal interest does SPS have regarding this presumed debt? 
XXXX ) In the notice of default letter from SPS dated XX/XX/XXXX, states that " the holder of the promissory note has instructed SPS to pursue remedies '' - where are the instructions from XXXX XXXX XXXX XXXX XXXX, provide copies of said instructions? 
XXXX ) Why has there been no communication between XXXX XXXX XXXXXXXX XXXX XXXXXXXX and said debtors, directly? 
XXXX ) DO NOT respond by sending any transaction history or any more copies of documents with Provident Funding or XXXX XXXX, that seems to be SPS ' usual and customary response due to lower level employees furnishing incorrect documentation. 
XXXX ) If the presumed debt is defaulted in XXXX days ( or more ), is there an insurance that pays up the defaulted amount thus satisfying the debt? If so, then why does SPS pursue the debt when it has been paid. That is a false and deceptive practice. 
XXXX ) SPS as a debt collector is not transparent and has refused to send a copy of the servicing agreement for the presumed debt. Once again, a request is being made to provide a copy of the servicing agreement to presumed debtors for review. 
XXXX ) DO NOT call, the method of communication should always be via USPS mail.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with ADS/COMENITY/VICTORIA ( Account Number XXXX XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedures used within 15 days of receiving a consumer 's dispute. Despite previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate and transparent to protect consumer rights. The lack of clarity in the investigation process violates this fundamental principle, leaving me unable to verify the validity of the account information in question. 

Details of the Disputed Account : Name of Account and Account Number : XXXX XXXXXXXX I kindly request that you provide the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, please provide the requested information in compliance with the FCRA and TILA. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Vehicle loan or lease

While refinancing an auto loan, M & T Bank is requiring a nearly {$300.00} prepayment fee, predatorily charging me for *giving them* money. This prepayment fee was never properly disclosed to me during the signing of my auto loan. My new lender was unable to send a full XXXX payoff amount with the inclusion of the {$300.00} fee, so I am having to write a personal check to cover this exorbitant and unethical fee in order to refinance. M & T bank stated that the fee was an agreement with the auto dealership ( XXXX XXXX, KY ), and would not remove it - despite the fact that M & T is the entity collecting my money. I am disgusted with this predatory practice of not properly disclosing prepayment fees on loan signing and charging such a large sum of money for me to PAY OFF MY OWN LOAN. This is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to Equifax that I have had 3 late payments. I paid the account in XX/XX/XXXX and they are reporting that I have had a miss payment in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. Its no way if I paid off account in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Found out there were two wrongful evictions on my public records report. I contacted both companies and made efforts to pay in order to have the reports removed. One was removed and the other was verified as accurate. 

The one that verified me as accurate was XXXX at XXXX XXXX XXXX. I was NOT evicted. There is no proof of eviction ; only that one was filed wrongfully. I had no control over the filing as I was not living there when it was filed. I was not on the property as of XX/XX/XXXX. The eviction was filed in XXXX. 

I have evidence that I was moved out voluntarily and paid a lease termination agreement to XXXX XXXX At XXXX XXXX XXXX. Upon finding out additional balance was due I made efforts to reach out and pay the money required. 

I was told that I can not do that and instead they directed me to go to the courts because the company who filed an evection wrongfully is no longer the management company there at XXXX XXXX XXXX. 

To correct the problem I contacted Trans Union by way of my smart move because the evection is showing up on my tenant screening report. This is not a valid eviction and needs to be removed from my public records report immediately. 

I included articles of incorporation and my current address at the time to show that I was not living at the property during the time they said they evicted me. I moved out on my own accord and I paid the proper termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my score dropped 41 pints due to a balance increase of XXXX while my account is in forbearance
Product: Credit card

I did a dentist appointment from having a toothache and from there the dentist had a whole bunch of ideas and how they can fix my teeth and make them better. They convinced me that Care credit card was good and could pay for these procedures. No interest for a year or so. The price was doable. Now fast forward to me having the card. I was late one payment and they close my account. Even before closing my account it's been very hard to sign on to actually pay. The payment account portal works when it wants to work and basically now it won't let me on. I have to sign in as a guest. As a guest you need to have your card with you, which if if your account is closed, there's no reason to carry your card. No matter how much you pay this card, the balance goes up. So let 's say I started at {$700.00} 10 months ago and paid {$50.00} something dollars a month now. 10 months later I still owe {$600.00} and something. It's like no matter what you do, you're just throwing your money in the hole. It's like you can never finish paying these people off.
Product: Credit card or prepaid card

I was a loyal XXXX and Chase credit card customer and made MANY purchases every month with my XXXX card via Chase. XXXX day I noticed a charge I did not make and almost missed it because it was for such a normal amount ( {$12.00} ). I called XXXX, who told me i wouldnt be able to see the charge made on my account because it was on someone elses XXXX account named XXXX, and I immediately told them that the charge was not authorized by me whatsoever. I have ZERO other charges on my XXXX account for anyone elses name nor have I authorized my card to be used by anyone else. I then searched back on my Chase card and realized these transactions had been occurring monthly as a monthly XXXX account membership charge ( despite the fact that I pay annually ). I immediately contacted Chase to dispute the fraud and also thought I saw XXXX other charge I did not make. Chase opened a fraud claim and after weeks of waiting, I received information back that my claims were denied because I benefited somehow from these transactions. Not only did I not benefit, but I did not authorize these charges and neither XXXX nor Chase notified me or alerted me at all that these charges under someone elses name and on someones elses XXXX account were being made on my card. Horrible fraud prevention services entirely. 

Once my claim was denied, I appealed and contacted my local Sheriffs Department and made a police report. I notified Chase of this police report and emailed them all pertinent information. Throughout this process, I contacted both Chase and XXXX numerous times who kept telling me to dispute the charges with the other company ( Chase would say to contact XXXX, XXXX would say to contact Chase ) and both just sent me in circles, but never once did either company actually assist me in any way resolving these charges or taking responsibility for not having notified me of someone else having the ability to use my card. My appeal with Chase was then denied. 

I did not make the following charges to my Chase XXXX card NOR did I authorize anyone else to make these charges via XXXX or Chase and I did not in any way benefit from these charges : Charge 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 {$12.00} x XXXX months = {$230.00} XXXX total disputed charges XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I joined the XXXX in 2015 and my loans from NAVIENT were not deferred. I was reading your website and it says military Members are eligible for deferment during XXXX XXXX. 
NAVIENT is claiming that they are not required to defer during my time in XXXX and military schooling. 

Is this true and what can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received paperwork from your company in regards to the disputed accounts on my credit file. I have yet to receive any type of corresponding proof that you performed an investigation of any type. I have contacted the creditors directly and provided you with the documentation, yet your company Equifax continues to intentionally harm and damage my credit. I have written you on ( 6 ) six different occasions regarding the so called verified/accurate accounts. According to the FCRA section 611 ( 15 USC 1681 ) you have 30 days to comply with my request and 15 additional days if needed which you have not. My ID and SS card were scanned in legible and clear you are in violation of the rules and regulations, therefore you must remove the accounts listed below for failure to investigate and or validate under section 623. Also, I have a host of non-account bearing and unauthorized inquirys showing as well and would also like to have them deleted. I am sure after review from your legal counsel you will adhere to the rules and regulations of the FCRA, less you are prepared to pay the steep fines which you have amassed ( 6 ) different request for failure to comply. 
I reviewed a new credit report dated XX/XX/XXXX and noticed that I have accounts that are inaccurate and in violation of the FCRA. Attached is a copy of the accounts and the listed violations for each. Note : these accounts were deleted from XXXX and XXXX last year and I am sure you received the information because you guys share it. Either provide the proof in the form of signed contracts, identifying documents, DL & SS card or any legal documents you received from the creditor which would validate your investigation or you must delete these invalidated and inaccurate accounts immediately. 
1. XXXX XXXX  ACCT # XXXXXXX for {$400.00} Furthermore, I have explained to you that I was a victim of identity theft. I have never had XXXX as a financial institution. Clearly you can see that but you insist on violating the FCRA and a blatantly attempting to do malicious harm to my credit. 

2. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$22000.00}. 
Violation : activity on a closed account, inaccurate payment history, See Equifax print out. 
3. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$10000.00}. 
Violation : activity on a closed account, inaccurate payment history, See Equifax print out. 
4. XXXX XXXX XXXX XXXX  ACCT # XXXXXXX opened XX/XX/XXXX for {$5900.00} Violation : activity on a closed account, inaccurate payment history, See Equifax print out.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit
Product: Money transfer, virtual currency, or money service

Today on XX/XX/XXXX, I sent money to a random person who bought shoes  from me and so he gave me a check a few days ago for a large amount of money ( More than what I expected or asked for ) He said to deposit the check, keep the amount I asked for and then give him the rest of the money that was included in the check. I found out that he did that so that he could take money from me ( XXXX  ). This is 100 % a scam. I talked to my bank and they said it is the oldest scams in the book, where scammers target mostly younger children because they dont know more than adults. XXXX  was taken away from me, and I dont want another XX/XX/XXXXto be taken away as well. I filed a dispute in pay pal about this scam and they arent giving me my money back. Im very upset because I did not know I was being scammed. The recipient also put in tracking info for the shoes that is not even real. I never shipped or even created a label.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a complaint to you on XX/XX/2020 with complaint number XXXX. 
Your response from XX/XX/2020. 
Until today, I have not gotten a response to this complaint. 
I tried multiple times to enter to see the response of the complaint, and the last time I entered was today, on your website, it simply shows it as closed and doesn't allow me to see the complaint.

As you know that I do not know English, and you are using this fact. 
I ask your immediate response to me. Because I want to continue to respond to my justice, and your mistake. 
You took off way too many credit points from my credit score because of your own mistake. You hurt me strongly, and you definitely hurt the public consumers. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This charge is part of a medical charge that was supposed to be paid by medical insurance I called medical insurance and there is no report of the company claiming. Please take this off my credit
Product: Credit card or prepaid card

I have contacted XXXX XXXX on numerous occasions in regards to my XXXX XXXX credit card account. I am a XXXX XXXX credit card holder with Synchrony XXXX. For the past few weeks I have been harassed by synchrony as well as customer service reps, I have been discriminated against due to my age as well as have had to prove my identity a total of 14 times with the bank, this included me sending in my ID, social security card, proof of address, bank letters, and they even called my wife on her cell phone to ask if I am who I am. Synchrony XXXX has been contacting me and still is refusing to address my concerns they are stating that what they did to verify my identity was protocol but what they put me through was not a true protocol they even violated my privacy as a customer and called my wife on occasions and discussed my personal info to confirm wether I was who I was. I was also told to send multiple documents to the bank and they continued to place blocks on my account, due to the circumstances I did act out of character on some interactions because of the horrible things they put me through they made me feel like a true criminal, not a single executive at the bank has apologized to me for what happened. Instead the bank threatened me stating they would be closing my credit card accounts because i became irate and upset with their customer service. I have the email conversations and I would be happy to share them with you. I do not feel its fair or legal that Ive been treated this way by synchrony and now they are making threats to close my account which by law the bank can not do that. As I stated before I do apologize if I acted out of character but Im a human being and I think we can agree if any human being had to go through what I did they would have acted accordingly as well. Synchrony truly doesnt care about its customer and I hope you at the CFPB would take the time to call me at XXXX XXXX XXXX so we can discuss. Thank you so much and XXXX bless. I look forward to speaking to you soon. Wether my actions were justified or not the bank has no right to treat me the way they have treated me as a consumer and violated me in these ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX open end consumer credit plan as late for ar purpose.

XXXX
Product: Debt collection

This is a letter that I just sent Americollect. I am enclosing all of the attachments that shows the bills and the other correspondence. 

Americollect, I am enclosing all of the attachments that You requested.I called the other day to pay a {$160.00} and a {$150.00} bill that is showing up on my credit reports. I agreed to pay it because the dates of service are different from the dates of service that I have charity for. I am enclosing these charity letters.The girl that I talked to on the phone took a payment of {$310.00} over the phone. What I did not know is that she did not include the {$160.00} on this payment, but switched it to the other small bills, that I have charity for. I want the right bill ( {$160.00} ) credited, and I want both of these bills that I paid taken off of my credit reports.I also want you to review my charity letters, and close my file.Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested In disputing all invalid information on my credit report with transunion.
Product: Debt collection

Allied Account Services , Inc XXXX XXXX XXXX XXXX, NY XXXX Original Creditor : XXXX XXXX This company put a collection on my credit report when they and National Grid ( the original creditor ) admitted mistake by sending extension to wrong address multiple times. They agreed to take off my credit only XXXX month minus {$140.00} FOR EXTENSION IS THE CORRECT AMOUNT WHICH COMES OUT TO APROX. {$450.00}. COMPANY ADMITTED MISTAKE AND SENT EXTENSION XXXX HOURS AGO AND IT WAS SENT BACK AND SIGNED RIGHT AWAY COMPANY HAS AGREED TO TAKE ALL LATENESS OFF CREDIT.
Product: Checking or savings account

Early warning wont give me a reason and wont help me open up an bank account
Product: Credit reporting or other personal consumer reports

I request experian to reinvestigate serval credit item on my credit report. Experian never respond and those inaccurate credit item are still there on my credit report which is hurting my creditworthiness.