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

Ive recently received a letter about trying to qualify for a loan thru Marcus by Goldman Sachs in witch Ive never heard of or applied for now my credit score and personal information was provided to them thru XXXX XXXX which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the attached FTC ID Theft report, there are several inquiries on my credit report, they are all listed accordingly on that report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.   Since it is against the FCR A, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity  to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for any credit with your company.   This inquiry was performed under false pretenses as described in the clear language of the la w. 15 USC 1681n ( a ) ( 1 ) ( B ) wh ich states, in part, in the case of liability of a natural person 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 ;
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX XXXX  account with Experian and demanded a deletion because they are reporting a past due balance on a collection account. They are also reporting an inaccurate open date. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Experian states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

In addition, I have made several previous attempts to fix these issues directly with them and. As a result, they are violating my rights and therefore, I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX Account Number XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 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: Consumer Loan

I have a consumer car loan ( truck ) that has not been conventional by any sense of the word. Currently my loan is coming to an end ( 3 payments remain ) and for the past 2 years I have tried to get this corrected with little result. Like most normal car loans you can pay more or completely pay off without any penalty but in my case even when extra payments are paid it 's simply reduced the amount of the next payment instead of reducing principle. Interest rates are also based on the month previous last payment instead of the newest month minus payment paid. I 've gone to my local bank branch several times but have never been given correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$680.00}, {$510.00}, {$1000.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Product: Debt collection

I am a victim of identity theft and I have received correspondence from XXXX XXXX stating that I was not responsible for the following accounts due to fraud : 1. XXXX XXXX XXXX XXXX # XXXX XXXX : {$3500.00} 2. XXXX XXXX XXXX XXXX # XXXX Balance : {$3600.00} I received a summon from Zwicker and Associates on the behalf of XXXX XXXX who is trying to sue me. I am totally shocked and feel like my rights have been violated because I am not responsible nor liable for these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained about this account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX XXXX XXXXXXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1, and 611 ( a ) [ 15 USC 1681i ( a ) ], these According to the provisions of 612 [ 15 USC .1681j ], I disputed this account and I never heard back from the XXXX XXXX XXXX This account is not METRO 2 Compliant. There is missing information that makes this account unverifiable. The late date of the activity is missing, there is no payment history, and I have never even done any business contracts with XXXX XXXX XXXX
Product: Checking or savings account

Chase Bank provided fees in the XXXX almost XXXX of dollars unnecessarily for items not owed. 

Additionally, Chase Bank has not paid for the checks totaling {$3900.00}
Product: Debt collection

I have disputed this account with Enhanced Recovery Company to no avail. I paid this account a long time ago, when I did the agent I spoke to told me they would remove the account for payment. The account has continued to report to my credit, and my disputes have been ignored. I have never received anything in the mail from ERC. My rights as a consumer have been violated, please help!
Product: Credit card

Enclosed is a letter I Sent to USAA BANK certified and registered. I sent it to the ATTORNEY GENERAL and as promised, I am sending it to the media. If you are in trouble or with USSA BANK and having same or similar issues with them from illegal stealing of account money, closing accounts and not telling you, keeping your insurance claim money, lying, refusing to call back on legal matters that FTC commission deems as bad faith or if you dealing with XXXX a CEO or XXXX XXXX XXXX XXXX at USAA BANK and want start a class action lawsuit against them call me, if you are FTC or a regulator or an attorney please call me, I have more than enough proof on every department of USAA BANK as being theft related, also USAA BANK better remember one thing clear, they do not have stock holders are not federal, and claim the members are part owner, so if that is the case, WHERE IS MY MONEY
Product: Debt collection

Hello Scott and Associates, I understand you represent and have filed a debt collection lawsuit in Justice court against me with XXXX XXXX XXXX XXXX on XX/XX/ 2024. I also understand you responded with a VERIFICATION in lieu of the documented and certified requested VALIDATION letter on XX/XX/2024 that failed to provide all requested to include a valid signed contract between your client XXXX XXXX XXXX and myself. Your letter solely had statements and then you filed a debt claim petition 6 days later. As you know you are bound to FDCPA and Consumer Protections Act when attempting to collect a debt. Please furnish the requested so that this may be rectified as soon as possible. Thank you
Product: Debt collection

I am being sued by Midland Funding LLC, in the State of California. Their lawsuit against me violates their recent court order for Case # XXXX between the Bureau of Consumer Financial Protection v Encore Capital Group , Inc. ; Midland Funding LLC ; Midland Credit Management Inc.
Product: Bank account or service

I received an online offer from Bank Of America in XX/XX/XXXX /XX/XX/XXXX that if I open a checking account and had XXXX direct deposits within 90 days of account opening I will get {$100.00} bonus. So I opened this account and made changes to my direct deposit and split it such that {$400.00} would go each month into BofA checking account. By XX/XX/XXXX I received the welcome kit from BofA and it also had a letter saying my XXXX direct deposits had to be made by XX/XX/XXXX or XX/XX/XXXX, for me to get the bonus. This made me happy cause XXXX had not made the first deposit to BofA in XX/XX/XXXX due to paper work processing. So my XXXX direct deposits were made by XX/XX/XXXX/XX/XX/XXXX, but BofA keeps dilly dallying to pay my {$100.00} bonus. I have called 4 times so far. The second time the agent told me I would get the bonus, but when I did not by XX/XX/XXXX end, I called and have called twice since, they say decision is pending. They said they will remail me the welcome letter for me to see what it said, never did. I am very sorry I ca n't find the welcome letter, looks like it got thrown out with trash. But I did get that letter from them and in any case I got my direct deposit set up and did all that I was required to do for the bonus. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems unfair.
Product: Debt collection

Account with XXXX consumer credit opened XX/XX/XXXX, of which XXXX of XXXX term payments were made and reported to all three credit bureaus. XXXX never adjust on credit report. XX/XX/XXXX the vehicle was repod and sold for XXXX XXXX XXXX XXXX for {$500.00}. Then XXXX reported ( Falsely ) a payment was made of XXXX in XX/XX/XXXX by me to extend the collection life of the account then sold it to XXXX XXXX. Who made a hard inquiry on my credit by posing as a creditor.. all three credit bureaus and provided false information in an attempt to mislead and misinform the credit bureaus. 

I have all proof of payments wilshire will not provided any statements and the credit bureaus XXXX XXXX, XXXX and XXXX will not update my account accurately. I would like it removed. I have disputess this and they all refuse to investigate it properly. How is possible to make XXXX of XXXX payments and still have same balance as the beginning The only company I have done business with is wilshire consumer credit. No other contracts. 

Uploaded screen shots of all 3 credit bureaus different info.
Product: Mortgage

I believe I may be entitled to be eligible to receive a Settlement from Wells Fargo due to a Following Reasons : I was the recipient of a subprime loan with XXXX XXXXXXXX in XXXX just before the demise of XXXX. This loan is adjustable and the interest rate changes every month. 
I have been paying monthly on this loan to XXXX XXXX as the Mortgage Servicer since XXXX XXXXXXXX Failed in XXXX until XXXX, XXXX. XXXX XXXX XXXX went to court in XXXX supposedly to prove they was the Owner of my mortgage although there was no Assignment of Mortgage to XXXX XXXX from XXXX XXXXXXXX or Deed of Trust recorded in the County Land Office to prove ownership.. 
In XX/XX/XXXX, XXXX years later, a Reacted Deed was recorded in the county land office by XXXX XXXX. There was no Assignment of Mortgage to XXXX XXXX XXXX recorded until XX/XX/XXXX. These Recording were the result of a court case on XX/XX/XXXX where the Judge allowed XXXX XXXX to make up all the paper work needed to prove it was the owner and to record it in the County Land Office. 
In XXXX, XXXX, I was notified by XXXX XXXX that my mortgage would be assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the following month. 
Upon Inquiry to XXXX asking who was the Noteholder 's identity ( Owner ) of my Mortgage since I always understood that XXXX XXXX XXXX and XXXX were both Mortgage Servicer. 
I received a letter from XXXX stating that Wells Fargo Bank, N. A. as Trustee for XXXX XXXX Pass-Through Certificates, Series XXXX is the owner of the account and XXXX is the Mortgage Servicer and was responsible for enforcing the Deed of Trust and Adjustable Rate Note on behalf of the Noteholder. ( see upload of copy ) Looking back From the time I was notified around XXXX that I would be sending my payments to XXXX XXXX XXXX until XX/XX/XXXX, I was not allowed to refinance this subprime mortgage that has an adjustable rate that change monthly. For the past 17 years although I had made payments on time and was never late, I had tried to modify this loan or refinance and called many times to inquire and was basically passed around and around until I usually heard a dial tone but no answers. I believe this was due to the fact that XXXX XXXX knew that a Refinance would be a problem because they were not the Owner since they knew none of the paper work was in place at the County Land Office doing those nearly 20 years they serviced my mortgage. 

Now that I have this letter stating that Wells Fargo is the owner, I would like to look into the Settlement that I might be eligible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # 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 DATE XX/XX/2018
Product: Checking or savings account

I would like to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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
Product: Checking or savings account

After reviewing my EWS account, I noticed an account that was not familiar to me. I sent a validation letter to EWS requesting information regarding the listed account. I have yet to receive any information that justifies the reporting of this account on my EWS report. Please find the account listed below and validation letter sent attached. 

Alleged Bank Name : XXXX XXXX XXXX / XXXX XXXX XXXXXXXX Texas  Alleged Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
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, 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 proces 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 or other personal consumer reports

XXXX XXXX has been sending emails stating the following : Based our records, you have not yet paid your {$1800.00} balance Failure to satisfy your obligation will result in legal action through our XXXX party legal debt collection firm. 

In the event a judgment is rendered against you, XXXX XXXX choose to exercise the option to proceed with any and all post judgment proceedings as allowed by law in your state. 

They have no phone number or address to mail correspondence. I have requested a debt validation XXXX times ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ) requesting debt validation and have received XXXX response. I emailed both XXXX and XXXX requesting contact information and received no response. Per the FDCPA, the collection agency has XXXX business days to produce a debt validation letter upon receiving your request and they have provided nothing.
Product: Bank account or service

On or around XXXX, 2013, I went to one of the branches of Santander Bank at XXXX XXXX in XXXX, XXXX XXXX to sign to be ( opt-out ) from my checking account ending in XXXX. At the same time, I applied for an over draft protection account which it was approved. to my surprise, the opt-out I singed in for did not took an effect at all. how ever, I called them so many times in regards to this incident, but it was fruitless. I made so many phone calls trying to escalate the issue, but no one seemed to be helping me at all. there were times I was put on hold for about 45 minutes and at the end of 45 minutes, they hung up the phone.every single time I called. I always ended up talking to one of the branches in XXXX, the service in this branches was horrible, I ask one of the representative that I wanted to talk to a manager, I was told that there was not managers available. they took my name every single time I called stating that a managers will call me within 24 and 48 hours, but that never happen. despite the fact, I have signed to be opt-out from my checking account, they continue paying any incoming charges with out being available fund to cover with out my authorization. so far, they have charge almost {$3500.00} just in over draft and sustained fees in the matters of three years. just in the last month, I received a letter from them saying that I have paid them {$750.00} dollars in over draft fees. it is pretty obvious that Santander bank is doing this to profit themselves illegally by ripping off customers that are struggling to pay the bills on time. it is clear to me that Santander did not activate my opt-out as a purpose to make money from over draft fees. 
I called them almost a month ago and I spoke to one of the mangers that refuse to give me her name, I told her that I had signed three years ago to be -opt -- out from checking account and finally they discovered that I did, and now it is in effect but is too late because they already charge all the money. 

My desire solution from this illegal act from Santander bank is that they need to pay me back all the over draft and sustained fees charge to my account which are almost $ XXXX.dolars. also, I want the Consumer Financial protection bureau to thorough investigates Santander Bank for any other illegal practices that they might have been doing with customers. 
sincerely, XXXX XXXX. XXXX
Product: Debt collection

I am being harassed by debt collector TrueAccord Corp. for debt amount of XXXX via aggressive debt collection tactics via electronic mail messages since acquisition of debt by TrueAccord Corp. Electronic mail messages ( on average ) every 4 days, starting on XX/XX/2024.
Product: Student loan

School XXXX XXXX COLLEGE ( Name changed was XXXX UNIVERSITY-XXXX XXXX Current Owner NAVIENT CREDIT FINANCE CORP Disbursement Date XX/XX/2005 Original Principal {$1700.00} Unpaid Principal {$1300.00} Unpaid Interest {$150.00} Unpaid Late Fee {$4.00} Current Balance {$1500.00} Interest Rate 15.500 % Interest rates on private loans are set by the lender. 
Interest Type Variable School XXXX  UNIVERSITY - XXXX XXXX Current Owner NAVIENT PRIVATE LOAN TRUST Disbursement Date XX/XX/2005 Original Principal {$3000.00} Unpaid Principal {$6500.00} Unpaid Interest {$430.00} Unpaid Late Fee {$20.00} Current Balance {$7000.00} Interest Rate 9.500 % Interest rates on private loans are set by the lender.
Product: Checking or savings account

PayPal said I tried to send money with a card ending in XXXX. The person I spoke to was XXXX. They said if denied they won't reattempt. However they tried several times. Now PayPal was accessing my savings account. I tried to dispute the transaction etc. PayPal denied me. The bank told me to erase my savings account. Only reason the savings account was on file was to transfer my money from the app. Only way to access a savings account is with autopay.
Product: Debt collection

I was called on my personal number on XXXX/XXXX/2016. I asked the representative for no further calls. I explained that I would pay when I could pay. 
The representative said it does not work that way and they could continue to call as long as I owe. I explained that no, they are not. I told the representative again, do not call. 
On XXXX/XXXX/2016 this company called my place of employment and threatened to sue me. 
The company name is Franklin collection Service