23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint against Elan Financial Services for failing to respond to my Conditional Acceptance letter, unlawfully charging off my account while still attempting to collect the debt, and reporting the account negatively on my credit report. They have also violated the Fair Debt Collection Practices Act ( FDCPA ) by continuing to collect on a debt that has been charged off. 

Failure to Respond to Conditional Acceptance : I sent a Conditional Acceptance letter to Elan Financial Services in XX/XX/year> to address the terms of the account and request clarification regarding interest owed, potential securitization, and proper disclosure. Elan Financial has not responded to my letter, which, under UCC 1-308, signifies a tacit agreement to my terms. Despite this, they have not taken any corrective action or provided clarification. 

Charge Off and Continued Collection Attempts : Elan Financial Services charged off my account, which should indicate that the account is no longer collectible. However, they continue to attempt to collect on this account, which is in direct violation of the FDCPA. 

Negative Credit Reporting : Despite the charge-off, Elan Financial Services continues to report negative information on this account to credit bureaus, harming my credit score and financial reputation. 

Securities Fraud : I believe Elan Financial Services may have securitized my account and failed to disclose this information to me. If this account has been used as a security, I am entitled to the equity and interest that may have accrued. I have received no such disclosure.

FDCPA Violations : By continuing to attempt collections on a charged-off account and reporting it negatively, Elan Financial Services is engaging in unfair and deceptive debt collection practices in violation of the FDCPA. 

Relevant Laws and Regulations Fair Debt Collection Practices Act ( FDCPA ) : Elan Financial Services is attempting to collect on a charged-off account and is negatively reporting the account, which violates the FDCPA. 

Truth in Lending Act ( TILA ) : Elan Financial has failed to properly disclose the terms of my account, including interest and finance charges, and potential securitization. 

Uniform Commercial Code ( UCC ) 1-308 : Their failure to respond to my Conditional Acceptance letter violates good faith negotiation standards.

Securities Fraud : If my account has been securitized without proper disclosure, Elan Financial Services is committing securities fraud by not notifying me and by failing to compensate me for any equity or interest.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Mortgage

I have been writing to this department since 2015 about Wells Fargo Home Mortgage deception. Rather than investigating and inspecting my documents but each time my complaint was to the bank and the response was *in our review it was found that our process was correct*. And nothing was done by this department or by the bank. I made several complaints. Now the bank have the nerves to say *It was a computer glitch* Claim # XXXX Claim # XXXX and a few others So what should be my next step. I would like your help in get the justice for this. I kept saying something was wrong because I was not late with my mortgage. I was on time. My income was more than enough to pay my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing as delinquent when it has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX lease account was paid in full as of XXXX, XXXX, the lease was completed as scheduled and returned as required. As of the date XX/XX/XXXX, there was a certified letter for No Response to a 1099 Request to XXXX XXXX to validate the charge-off reported on my consumer credit report. " You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " XXXX by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. ''
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices comma which violate the consumer financial protection act ( CFPB ). 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 the error revolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial laws. And I seek appropriate redress for the violations.
Product: Vehicle loan or lease

The Bank of America, it is quite unbelievable given the novel coronavirus virus that makes it impossible for we who are senior citizens of advancing years with serous medical problems to work anymore, has denied our request to lower monthly car loan payments to {$500.00} at whatever interest rate the Bank of America choses! 

I call this brutally cruel on the part of the Bank of America. 

We called the telephone number provided by the Bank of America to discuss further our request. The Bank of America has not five days later returned our telephone call!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   did n't replying in a timely manner to my initial letters, or have they to date after  4 c ertified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action (  or in-action ) on their behalf has resulted in a small claims action against their company in   XXXX   XXXX  .     As well they did not place on my credit report that I was disputing the account.     I also am filing lawsuit against  XXXX ,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   did not reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint about XXXX inaccurately reporting late/on time payments on my consumer credit report, I received a response this month that XXXX has updated & verified the information which is FALSE & still inaccurate. There is discrepancies with all three credit reporting agencies on the payment history section of the reporting and that shouldve had been updated 60 days ago. I have highlighted the account mentioned including ALL of the inaccurate/false discrepancies on my credit report and I demand that XXXX be removed from my credit report immediately due to the fact that inaccurate information can hurt my chances of being approved for credit right now or in the future and thats a violation of my right to FAIRNESS, 100 % ACCURATE REPORTING and privacy. 

Account : XXXX # XXXX - XXXX XXXX 30 days late - XXXX XXXX 60 days late - XX/XX/XXXX No payment information - XXXX XXXX 30 days late - XX/XX/XXXX XX/XX/XXXX days late - XXXX XXXX 90 days late & missing payment information According to 15 USC 1666b - Timing of payments ( 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. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are supposed to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX SELF-REPORTED XXXX Balance : {$66.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Attached is the estimate of damage to vehicle I sued and attached Illinois statue on petroleum gas fuel contaminated should be sealed once this was submitted to court in the form of a lawsuit turner ended the contract payment and said they would take no further action with this statement the entry on credit bureau should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had financed my car through a small loan company in XXXX TX. This co was purchased by One Main Financial office in XXXX XXXX TX, this company has officies all over the USA. In XX/XX/2019 they demanded that I pay them a large sum of money and I explained I did not have the amount of {$570.00} if i remember correctly, the mgr lady said she would try for a modification if i paid. She deposited that check that day, and it was visable in my bank account that day, i called my bank and explained that i had told the company not to cash the check, my bank reversed the payment. XX/XX/2019 they sent a repo guy to take the car, never advised me so I could remove the personal belongings mainly my Bible etc, The call went to the repo dept, never talked to anyone, i did leave my number to call me. no calls was returned. I began looking for a car to drive and found on at a dealership. I purchased that car and notified my ins carrier. I recieved my payment schedule on the auto policy, it was over {$400.00} per month, I called my agency and was told that this was due to an accident and claim filed on that car, I had no accident nor did I file any claim. I called the One Main ofc numbers but got a run arouid about where the car was. After numerous calls I gave up and began working on my ins co for paying the claim on that car, finally reached the reginal mgr in the XXXX area. I explained what had happened and he removed the claim from the ins co data. That brought my payments back to normal. This past month I had to get a new policy and a couple of agencies asked about this claim, was able to obtain a policy through a local agency and payments reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have been continuously reaching out to these companies for over the span of a month notify them of the inaccuracies on my report, asking if they can be updated and removed. these companies told me that they could not update nor could they remove these inaccuracies accuracies. I asked if these please be removed from my credit report and update it immediately. Thank you.
Product: Debt collection

Ive disputed this collection with Alexander Rose Association and all credit bureaus it was deleted then added back to one or more of my credit reports. Ive asked company to remove as Ive never did business with this company. Alexander Rose Association sent me a computer print of of some documents saying that I responsible for this debt. Ive spoke to the credit bureaus today which advised me to file a police report because Ive been a victim of identity theft before.
Product: Credit reporting

I was unable to retrieve my credit report due to questions not pertaining to myself.
Product: Debt collection

I received a letter from Recovery Solutions Group , LLC on the second week of XXXX trying to collect a debt addressed to XXXX and XXXX ( letter enclosed ) for the amount of {$4700.00} for the services rendered by XXXX XXXX XXXX XXXX for the Company ( XXXX XXXX, LLC ) entity # XXXX registration date XX/XX/XXXX and is still active. XXXX XXXX is the agent and president, jurisdiction is California and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX.This business is a single location in southern California . I ignored the letter thinking it must be a mistake. XX/XX/XXXX I received a phone call From XXXX XXXX ( Legal Coordinator ) for Recovery Solutions and she left a message regarding a debt and file # XXXX so I called her back and inquired about the call. She said I owe her client XXXX the above amount because I worked for XXXX XXXX XXXX entity # XXXX. I explained to her that there must be a mixed up and mistake since XXXX went out of business in XXXX and California Secretary of State suspended its permit and I have been retired since then. She asked if there is a relationship between companies and I said no, she asked if I know those people and I said no, but she did not believe me and mailed another letter to me and the lawyers ( agent XXXX XXXX XXXX ) who processed XXXX 's business permit back in XXXX. What I'm trying to explain here is the two companies have no connection at all and that they ( Debt collector ) can not go after another company just because they have similar names even though there are proof of documentations to prove it or maybe their investigators did not do their due diligence properly. XXXX is also a single location business and was located in Northern California. Also the transaction in dispute between XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX transpired in XXXX which is very recent and in southern CA. I am enclosing supporting documents to prove that XXXX XXXX XXXX which is already out of business since XXXX has no connection whatsoever to XXXX XXXX, XXXX and that XXXX XXXX is the person they should be pursuing and XXXX XXXX, XXXX not XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened an account with XXXX XXXX and noticed that a late payment ( 30 day ) was placed on my credit report. I called XXXX XXXX and they found it and could only give me information that the card ended in XXXX. That account does not belong to me. I was asked for my social and date of birth and it did not match my information as well. I need this item removed from my credit report ASAP as it does not belong to me.