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

In XXXX of XXXX, my husband and I filed a Debt Management Plan with XXXX XXXX XXXX and Security Finance   was listed. Security Finance was contacted by XXXX XXXX XXXX and made aware of the plan.Security Finance was paid the full amount of payment each month. In XX/XX/XXXX we were asked to come into the office to sign papers from Security Finance home office concerning the DMP. The office manager stated that the checks eere with held until these papers came, I asked why and told her " you can't do that '' she then assured me that they would be credited to the account and it would be ok. I read over the paper and me and my husband sign the papers. XXXX XXXX XXXX made the payments every month and was never late, we were then able to add extra money to the payments which helped us pay off the account the loan quicker the loan was paid off in XXXX of XXXX. After after checking my credit report I saw that Security Finance had marked our payments 30 60 and 90 days late and that was the months the manager withheld the payment checks and the other checks that came in every month were all marked 30 days late under the law a payment has to be an actual 30-day late, Security Finance was aware of the debt management plan from the very beginning they were aware how the payments were going to be made and they were paid in full never 30 days late and they kept coming up with excuses, it took me a long hard time to get even a letter from Security Finance to say that the account was paid and closed. I called and tried to get this corrected Security Finance refused to make the corrections to the credit reports of mine and my husband 's I would get excuses as that was between me and the credit bureaus I was also told that " well we thought you were coming in in person to pay it '' and I also would get excuses about how the mail was messed up. I charge that Security Finance knowingly falsely and willingly damaged mine and my husband 's credit reports and will seek damages in court
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, ( account name and account number here ) has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

NOTICE OF DISPUTE XX/XX/year> Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX DEMAND FOR LAWFUL VERIFICATION UNDER OATH OR SWORN STATEMENT NOTICE to XXXX & XXXX XXXX XXXX XXXX I am a consumer a natural living person pursuant to 15 USC 1692a ( 3 ) writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( 4 ). I hereby dispute the origin of the funding loan or credit and the amount of the alleged debt you are claiming I owe. Pursuant to 15 U.S.C. 1692g ( b ), I request that you cease all collection activities until you provide lawful verification of the debt. This verification must be under oath or in the form of a sworn and notarized statement from an individual with first-hand, competent knowledge of the alleged debt.

Any documentation provided to me in response to this notice must meet the aforementioned criteria. Failure to provide lawful verification will render any documents as unverified, insufficient evidence, and hearsay, lacking substantial merit.

According to 15 U.S.C. 1692g ( a ) ( 4 ), within five days after your initial communication with me, you are required to send a written notice containing : - A statement that if I notify you in writing within 30 days that the debt, or any portion thereof, is disputed, you will obtain verification of the debt or a copy of a judgment against me, and a copy of such verification or judgment will be mailed to me.

I am demanding that Santander Consumer USA and its representatives cease all collection efforts and immediately remove or delete the tradeline from my consumer report, credit file, and my credit report with any and all credit reporting agencies until you obtain lawful verification.

Additionally, I am aware of Santander Consumer USA 's settlement with the Consumer Financial Protection Bureau regarding credit reporting violations related to auto loans, which included systemic errors potentially impacting consumers ' credit scores and access to credit. The consent order requires Santander to take steps to prevent future violations and imposes a {>= $1,000,000} civil money penalty. Your continued noncompliance has caused me significant financial hardship and emotional distress.

Failure to comply with federal laws will lead me to believe that you may be committing fraud, extortion, and engaging in illegal, deceptive, and abusive debt collection practices, which is a violation of 15 U.S.C. 1692k ( a ) ( 1 ).

Please acknowledge receipt of this notice and provide the requested lawful verification within the statutory time frame. 
Sincerely, B
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why it indicates late payments when I thought I never paid my debts late. This is absurd! I've never made a late payment on a loan. Additionally, the account is displaying false information. The dates of opening, last reporting, and last activity are false!
Product: Mortgage

XXXX XXXX XXXX my mother the previous trustee on the account passed away on XX/XX/XXXX. 

On XX/XX/XXXX I notified Select Portfolio Servicing ( SPS ) via mail, email, and fax of my mothers death and informed them that I am know the trustee on the account. 
From XX/XX/XXXX to present date XX/XX/XXXX I have called countless of times trying to get a hold of a single point of contact that could help me sort this out but no one could help me. During this period I have notified SPS that XXXX XXXX XXXX XXXX an unauthorized person has somehow started an online account with SPS and on XXXX she has authorized herself on the account from the online portal. During this time I have asked SPS countless of times to suspend online activity on the account and have been told they are unable to help me until I am authorized. I have explained that I am the trustee on the account and have not authorized this person to enter into a repayment plan yet SPS has allowed a repayment plan on the account without my knowledge. I spoke with a supervisor at extension XXXX she stated that the trust is invalid because it list the property zip code as XXXX and there records is XXXX. I immediately contacted the estate attorney XXXX XXXX who confirmed that some records show XXXX and other show XXXX but the APN # XXXX matches all country, mortgage, and Trust records. I received a phone call from XXXX on XXXX but was unable to answer her call. I called back today Monday XX/XX/XXXX spoke to a representative who read notes saying that SPS needs additional information. I immediately requested a supervisor and spoke with XXXX who advised me that SPSs audit department needs tax documents or a XXXX postal service document validating the address. I explained to the manager that if the mortgage company states that the zip code is XXXX thats fine but that the APN # is the true identification of the property and that remains the same. The manger confirmed that an audit rep would call me to discuss further and advised her that I would be submitting a CFPB complaint. Was told that there was no complaint department. 

I am hoping this reaches SPSs and the resolution I am seeking is for the company to validate me as the trustee and an authorized party just like the second mortgage company XXXX XXXX  has so I can move forward with administering the account. I would also like to stop all online activity until I am authorized on the account. 

Thank you XXXX XXXX
Product: Checking or savings account

Bank of America/ Merrill Edge blocked access to the accounts under them at Merrill and did not allow access to my funds for multiple weeks as it seems they initially thought some fraud was happening in the account.

After calling them and giving them all the information they wanted and changing ID and passwords per there recommendation they still kept the account blocked despite assurances that the changes done would suffice to release the block.

After 3 weeks of providing all the information asked, the account block has not been lifted, and after multiple phone calls made in those 3 weeks where each successive agents/service person assured me that it was getting resolved within hours am still waiting for the block to be lifted and am now short of funds for completing a real estate transaction.

This is for someone who has been with them for decades as a client, so they have adequate information on self.
Product: Debt collection

I have paid off my amount for the XXXX equipment that I purchased back in XXXX of last year. My last payment I paid in full with no balance owed this year in XXXX. I was told that I would not be penalized for missing a payment due to the representative inserting my method of payment incorrectly. The manager stated that he will take care of it and I would not be charged for a late fee. I have been harassed by email and calls for the amount that Conns XXXX are saying that I owe. I have been back and forth with different reps there that said they will take care of it, and when it comes to find out they did not. I did not hear from Conns until XXXX of this year stating that I owe them. I thought it was taking care of because the Manager stated to me earlier this year that it would be taking care of. I am being Harassed!! Im am tired! They are not trying to resolve this issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp 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 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: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. At that time I wasn't sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I don't know where they came from please remove them as well 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 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 XXXX XXXX XXXX XXXX XXXX XXXX . I have reached out to the FTC and my local police and I am doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to Experian disputing this Account with ( XXXX XXXXXXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION : Last verified '', ''closed date '', ''last payment '' and ''creditor remarks ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED. 

In addition, I have been sending dispute letters to Experian and they have FAILED to update the ''dispute status '' of this account. 

According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against Experian credit bureaus and ( XXXX XXXXXXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Debt collection

I am questioning account number XXXX with Debt Recovery Solutions by reason of I have sent several dispute letters to the credit reporting agencies and it comes back verified  every single time. They are demanding that I owe {$820.00} to XXXX on my credit report. I have contacted Debt Recovery Solutions to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

Complaint about Inaccurate Credit Reporting - Verification Challenge To : Consumer Financial Protection Bureau ( CFPB ) Subject : Challenge of Credit Report Verification Process with Experian Dear CFPB, I am writing to file a formal complaint regarding the verification process conducted by Experian concerning a collection account on my credit report.

I recently disputed an item on my credit report, and Experian responded by verifying the accuracy of the collection account. However, I believe the verification process was not conducted properly, and I am concerned that inaccurate information may remain on my credit report. 

Here are the details of the disputed account : Collection Agency : XXXX XXXX XXXX Account Number : XXXX Amount : XXXXXXXX XXXX Date of Collection : XX/XX/year> The issue I am disputing is the lack of clarity or verification details provided by Experian. Despite my dispute, the account was verified as accurate without an adequate explanation of how the information was confirmed. I request that the CFPB investigate whether Experian followed proper procedures in verifying this account and ensuring that all information is correct. 

I believe this account may have been incorrectly reported or verified, and I am seeking assistance in ensuring that Experian adheres to the proper standards for accuracy and transparency in the verification process. 

I would appreciate it if the CFPB could review the verification process for this account and ensure that Experian has provided the correct information in compliance with the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your response and a timely resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have defaulted on my XXXX XXXX ( XXXX XXXX ) credit card. These folks call incessantly everyday. They have called several family members numerous times, even after I asked them to stop. The most recent incident was today. My sister called me and she was frantic. She stated that XXXX had called her and left a voicemail stating that they had an urgent financial issue to discuss with me and that they better hear back from me by XXXX today or they would be forced to escalate my account.
Product: Debt collection

AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

ACCOUNT MANAGEMENT RESOURCES ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ACCOUNT MANAGEMENT RESOURCES or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ACCOUNT MANAGEMENT RESOURCESor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am following up on my previous correspondence, in which I formally disputed the inaccurate reporting of late payments on my credit report concerning my XXXX XXXX XXXX : Farm Chemical And Fertilizer Stores account XXXX XXXX XXXXXXXX. Unfortunately, despite my request for correction in accordance with the **Fair Credit Reporting Act ( FCRA ) **, the **Truth in Lending Act ( TILA ) **, and the **Protection Against Non-Payment of Obligations Act ( PAANL ) **, the inaccurate information remains unresolved.
Product: Mortgage

I am with Nationstar mortgage and with in the last year my mortgage payment has changed and XXXX. Every time I have called I have been put on hold for over an hour and I have been given a different excuses. I have yet to understand why my escrow has never been correct or why my rate has been XXXX. I am always on time with my mortgage and have always paid extra but now it is to the point I do n't know what my monthly payment is each month.
Product: Student loan

I attended XXXX XXXXXXXX XXXX XXXX XXXX XXXX back in XXXX, which changed its name to XXXX XXXX before closing. Sallie Mae at the time as they were only provider offering private loans to attend the school. I was not allowed to use my existing private student loan through XXXX XXXX XXXX that had previously been established to attend a public university. I along with my cosigner took out 5 loans total with Sallie Mae, each of these loans had high interest rates of 10 % -13 % by the time I had graduated I had racked up {$97000.00} dollars in debt.There have been several lawsuits that involve Sallie Mae and now Navient over charging sub-prime interest rates on this loans taken out for students to attend for-profit schools like XXXX. 

The school advertised that they had high job placement rates after graduation as well as offering Job placement assistance to help graduates find a job in their field. I reached out for assistance shortly after graduation in XXXX  and was merely sent result from a job board and no further help. I have struggled since graduation to find a high paying job in my field and even more so now that my degree is basically a useless piece of paper. 

I have managed to pay my monthly payment each month however due to this payment however, due to having a large monthly payment for the past 17 years I have not been able to afford to save for retirement, buy a home and can barely afford to live on my own.
Product: Money transfer, virtual currency, or money service

I went to Bank of America. XXXX XXXX XXXX. XXXX, PA XXXX around XXXX today XX/XX/2018 and had a check to cash from my insurance. I waited for the next teller and when I got to the counter I explained that I was not a customer but the check that I needed to cash was from an account holder with Bank of America. I was asked why I didnt take it to my bank and I replied that I have been out of work for over a month now due to XXXX XXXX and had XXXX. My bills got behind and I am trying to keep lights on and not have stress worrying about my car being reposessed and I can't wait 3-5 days for it to clear at my bank. I went on website and saw that they advertise that they will cash a non account persons check drawn from the Bank of America for no more than {$5000.00} for a fee of {$8.00}. So I figured it was within tights to cash it there and get bills taken care of and relieve some stress from myself. I was then told that they did not have {$5000.00} cash on hand to cash it and not for someone without an account with them. I said if I open an account how soon can I pay bills from it. I was told 3-5 days and that she new this to be right because she was the Bank Mamager. I was so upset and embarrassed at this point that I left the building and came home. When I got home all hysterical my Husband said to calm down and he had me call FTC at XXXX. I spoke with a lady named XXXX that gave me instructions to file on line. She offered to do it over phone as well. I hung up the phone and called XXXX to get the lady managers named on duty today and was told her name is XXXX XXXX. So now I have the name of the teller that I talked to since she addressed herself as the Manager. I tried to call over the weekend to verify the information was correct. XXXX and could not talk to a live person unless I had an account number. I do not feel I was treated fairly and they advertise that they will cash a check for Thats amount for a fee.