23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against the cash app ( Block , inc . ) due to an adequate 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 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 ) in regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

i have the right to all privacy fair credit act law you may not put anything on my credit report without my written response fair credit act law
Product: Debt collection

A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called XXXX. I also had not heard of the company they claimed to have received my file from, Velocity Investments LLC. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.
Product: Debt collection

One Advantage Debt Account # XXXX was paid in full amount {$54.00} on XXXX/XXXX/16 via mastercard to creditor XXXX XXXX XXXX directly. 

However, One Advantage fails to acknowledge that the debt is paid in full. I have asked them to contact XXXX XXXX directly to confirm full payment, yet they fail to do so.
Product: Vehicle loan or lease

Company : Santander Consumer, USA Main address : Payment address :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX  , TX  XXXX   XXXX , TX  XXXX  Phone :  XXXX  I am   XXXX   XXXX   XXXX   and am submitting this complaint regarding Santander Consumer USA. Although, I only indicated one area of concern above, there are actually three areas : ( 1 ) billing problems ; ( 2 ) problem with fee charges ; and ( 3 ) problem with interest rates.
<P/>
I purchased a vehicle (   XXXX   XXXX   XXXX   ) from    XXXX   XXXX   (  XXXX , VA ) in  XX/XX/XXXX  for {$21000.00}. The monthly payment is {$6 20.00}. As of today, (  XX/XX/XXXX  ), the payoff price is {$21000.00}, which is {$320.00} less than the purchase price and over 24 monthly payments. This in itself ( still owing this huge amount ) is extremely disconcerning and absolutely a predatory method to attain revenue from customers that may have challenging credit. I have conducted extensive research about Santander 's practices and I am not alone in this abhorrent situation.
<P/>
I have contacted the vendor on a myriad of occasions in hopes of potential compromise or other suitable approaches that can resolve the issue. However, Santander continue to respond that since it is a Simple Interest Loan and that is the only loan that they execute, there is nothing that can be done but continue to make the payments. At the present rate, the vehicle will have been paid at least 3-4 times more than what it is worth.
<P/>
It is with the aforementioned unbecoming, predatory and unrelenting practices that I submit this complaint about Santander. This company and similar companies should not be allow to exist! I sincerely hope that there is something that your agency can do. As a   XXXX   XXXX   employee, good credit standing is crucial and Santander 's actions is a primary I can be reached at :  XXXX   XXXX
Product: Debt collection

Trident Asset Management is saying I owe XXXX since XX/XX/2015. They refuse to acknowledge the fraudulent account and speaking to them gets no where. I am at my wits end and about to hire a attorney to send them a letter proving its not my account as its off 2 credit agencies already.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXXXX/XX/XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name :XX/XX/XXXX # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have currently set this file in debt settlement company. They stated that they didn't deal with the companies and making harassing phone calls. On today XX/XX/2019 they pulled my credit report without my permission to do so. A hard inquiry is now on my report due to an act that this company put on my report today that wasn't authorize by me at all. I don't know why they would pull my report without my permission. This is not acceptable at all.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to PNC MORTGAGE XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is correct.
Product: Debt collection

Breach of my data Credit report with different amounts owed, incorrect information
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 have 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 States : A consumer reporting agency can not furnish an account without my written instructions. I never gave my written consent for the furnishing of any of these accounts and I have a right to privacy. I have asked for investigation results and proof that the accounts in question are valid multiple times and have received no such proof. This is a request for an investigative consumer report, which means a consumer report or portion thereof in which information on my character, general reputation, personal characteristics, or mode of living must be obtained through personal interviews with neighbors, friends or associates. The accounts must be permanently deleted if they are not 100 percent correct and accurate. Please investigate these accounts. Please provide proof that they are 100 % correct. Please do not send me results again saying they are valid without proof of validity. I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Please provide proof that you have conducted interviews with my neighbors, friends and associates on my general character, general reputation, personal characteristics, or mode of living. Absent such proof, you must immediately and permanently delete the accounts in question. Please stop violating my rights to a true and thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX, XXXX and Experian as well as submitted letters about permissible purpose, validation and incorrect items on my credit report pertaining to inquiries and child support payments from Attorney General. They have refused to remove it and its keeping me from buying a home.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to my Final Demand for Immediate Action regarding the unresolved disputes related to the inaccurate and unverified items on my credit report. I am deeply disappointed that despite my prior attempts to address these errors, you have failed to conduct a thorough investigation or take corrective measures.
Product: Consumer Loan

I purchased a XXXX on XXXX XXXX, 2015. After signing all the papers, arriving at a monthly fee of {$360.00} for 5 years, I was called back because I was told that there had been a computer " glitch '' that day and they needed to " recalculate '' my numbers. I trusted them and signed new papers which now have me paying {$380.00} monthly. 
I am a XXXX yr old woman and in retrospect realize that this was seen as an opportunity to take advantage of a senior citizen. 
There is also a discrepancy between what I was originally told the total cost of the car would be at {$28000.00}. With the new calculations the total cost of the car is {$33000.00}. There is a notation on the original paper that the total cost of the car is {$30000.00}. I put down {$5000.00} in cash and {$5000.00} for my XXXX trade-in. 
I have XXXX account numbers with XXXX XXXX, XXXX being based on the first bill for the originally agreed monthly payment of {$360.00}. ( Which I have attached with this letter ) .The second being for the new montly fee of {$380.00}. 
I am ashamed that I did not take my son with me to negotiate the buying of a car. I did take a friend. When she thought the deal was done she walked away. I was embarrassed to call her back for either of the signings. I still have not told my son. 
I am so ashamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Why I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

These inaccuracies not only affect my creditworthiness but also violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which ensures the accuracy of consumer information. It is crucial for both of us to maintain accurate records.

Moreover, your agency has disclosed my private information without my consent, contrary to [ 15 USC 1681b ] ( a ) ( 2 ) and infringing upon my privacy rights under [ 15 USC 1681 ] ( a ) ( 4 ).
Product: Credit card

This is a charge for XXXX with FNBO credit card. 
I called them today and they said this is for charges you still are charged after paying off the card. I told them take it off. I do not owe for charges that was paid off to a XXXX balance. 
Credit card company should not be charging accounts with a XXXX balance for past charges that were paid off. 
They should never be charging customers like this. I do not know any other credit card that charges customers with a XXXX balance for charges that were paid off.
Product: Debt collection

Firstmark has stated to me in various calls and letters that they now own one of my student loans. I have requested debt verification on XX/XX/2021 via certified mail. The company has failed to verify the debt with me and has now made my account delinquent on my credit report.
Product: Student loan

I've spent months trying to reach out to someone at Navient and get my account repayments set up properly. I've spoken with countless representatives, supervisors, and other staff only to be given different information each and every time I call. I've requested that Navient review the last 6 months of my calls only to have them call me back on a nonworking number that I requested they not use. I put a second request in and can not reach a person to discuss these findings. Each and every call is a fight to get someone to successfully offer a payment plan that I can afford and also to set up reoccuring payments, which seems to be required in order to enroll in these programs. I have no issues with setting up the auto payments, however Navient seems to have issues properly executing this. I've also tried to remove my co-borrowers from my loans as they are unable to assist in repayments due to their own financial hardships. My income has dramatically decreased over the last 12 months due to a divorce. I've begged, pleaded, and nearly cried with representative after representative to be told things like " make more money '' and " sorry we can't do anything. '' It seems as though they're only willing to help those who completely abandon their loan repayment which I refuse to do. I just want my calls reviewed to have someone see they handle things inappropriately and inconsistently at best.
Product: Mortgage

I have filed declaration of our attorney with the IRS here in the state of Missouri I'm assuming they did not file it but I'm going to refax it over to the international office then I put in a power of attorney and cancel all contracts and asks to be able to endorse my bills I registered with the records of deeds office and email a copy to XXXX XXXX as well recently. It's not my fault these companies do not want to recognize that I know the law and I'm not going to let them keep getting over on me and charge me for stuff that's already paid for now they're falsely report things on my credit which is against the law according to US Code1692B in a couple others in that whole US Code 1692 section which I'm going to upload on your site with my power of attorney they need to take all those reports off my credit report asap because they're messing up my credit score and causing me problems getting other things which is not right and totally against the law and since I've also sent in discharge of all debt papers to the IRS in Utah I haven't heard anything back they should been wiped off my credit report but for some reason they're not and I have not received a bit of my security interest like I asked in my Dual power of attorney file with records of deeds office and the Secretary of State now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting Act, The listed account below has violated my federally protected consumer rights to privacy and confidentially under / / 15 USC 1681. 

Acct Name : XXXX XXXX XXXX. / / Acct # XXXX Acct Name : XXXX XXXX XXXX / / Acct. 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. Also, States Consumer reporting agency Can not Furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section. States, no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had made several attempts to contact this collection agency for validation of a debt they claim I owe and are reporting on my credit report. 

I sent a dispute letter on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. 

All I have received are copies of a statement. 

I am aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and am simply asking for proof that I am indeed the party being asked to pay this debt, and that there is some contractual obligation which is binding on me to pay it. 

Legal validation consists of the following : 1. Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 
2. Date of Last Activity 3. My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

5. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.

6. Proof of photo identification ( i.e., driver 's license, state identification card, orother government issued identification card ) that waspresented to youat the time of incurring this debt.

7. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

8. Proof that this debt has not beenwritten off as a tax liability.

9. Any other intimate knowledge of the creation of the debt by you, the collection agency.
Product: Credit reporting or other personal consumer reports

in accordacne with the fair credit reporting act. the list of accounts below has violated my federally proctected consumer rights to privacy and confidenitily under 15usc 1681. account names, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I looked at my experian credit report on XXXX and noticed somethings are incomplete and not accurated.and according to the fair credit reporting act whenever a consumer reporing agency prepare a comusumer report it shall follow reasonable procedures to assure maximum possible accurancy of the informaton concerning the individual about whom the report related according to 15 USC1681 ( e ) ( b ).

and according to 15 USC 1681 i 5 they are suppose to do this ( 5 ) treatment of inaccurated or unverifiable information ( A ) in generalf after investigation under pargraph 1 ) of any information disputed 15 USC 1681s-2 they are suppose to not funish any information
Product: Mortgage

To Whom It May Concern, I have been dealing with my mortgage servicer for the past three years or so in hopes of discovering who the actual holder or beneficiary of my mortgage loan. To date, I have not been successful. I do not believe that PennyMac has been truthful with me and I do not believe they have a legal or proper interest or claim in my property as they have alleged. Over the past month, I realized that my loan transaction was never consummated pursuant to the laws of California due to the fact that my lender, the true source of funds for my loan, was never disclosed to me. Because my loan was never consummated, I understood that I could exercise my rescission rights. On XXXX XXXX, 2015, I faxed and mailed a letter of rescission to PennyMac. PennyMac acknowledged receipt of my letter but has failed to comply with the Federal Truth In Lending Act. Under the Act, if PennyMac wanted to challenge my rescission, they had to have filed a lawsuit within 20 days after receiving my letter of rescission. PennyMac received my letter of rescission on XXXX XXXX, 2015. The twenty day period has long passed and PennyMac has failed to either a file a complaint or comply with the Act. I am filing this complaint because they repeatedly choose to ignore and adhere to state and federal law and I believe they need to face some kind of disciplinary action and to comply with federal and state laws. If nothing is done, I believe they will continue to do what they want and not what the laws states they must do.
Product: Credit reporting or other personal consumer reports

Seems my information was involved in a date breech with Equifax all my reporting in incorrect reporting Charge offs late payments all inaccurate 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 ALL other department stores listed on y credit report do not belong to me
Product: Consumer Loan

I would like for your organization to investigate Wells Fargo online personal banking practices. 
I have XXXX loans with the bank and continue to have problems making online payments in the amount I prefer to pay when I make a late payment. Example, I want to pay the late fee and the past due payment and their online system will not let me pay this amount to bring my account current. Their system gives me a choice pay the minimum past due amount or the past due amount, late fee and current payment due now which usually is not due until later in the month. If I pay the minimum past due amount the late fee is still past due and I will incur interest and usually another late fee charge. Their system does n't let me pay what I prefer to catch up and I feel this is very unfair to the consumer. 
I 'm consistently being charged late fees in the amount of {$39.00} when I make a late payment ( never more than 30 days late ) usually within the first 5 days. The XXXX type of loans I 'm referring to are unsecured personal and consolidation loans.