23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX : XXXX and Troy Capital Thank you for taking the time to review the complaint Attorney General on behalf of XXXX XXXX. XXXX of XXXX, XXXX XXXX XXXX salesman who performed unfair deceptive sales practices regarding the XXXX XXXX XXXX. During the period of the loan, payments were rendered as agreed. During the final year of the contract, the vehicle began to generate a cost for a series of repairs. Developing trust with XXXX XXXX made contact for advice, and possibly purchasing another vehicle. Being instructed to get rid of the vehicle and obtain a new one. The vehicle was returned as instructed, however ; a voluntary repossession was reported to all major credit profiles. Attorney General, if you review my payment history again, I remained complaint throughout the entire contract with additional fees as paid online. Placing a burden to compromise my credit along with my creditworthiness after having an exceptional payment history is disturbing. To be a victim of predatory lending practices, DTPA and the OCC are reasonings for a full investigation. To see a voluntary repossession on my credit profile not once did XXXX questioned the return of the previous vehicle. To add insult to injury was served as a debt citation. and received no other correspondence regarding a balance owed prior. With the continuation of aggressive phone calls from Troy Capital LLC, customer service reps falsely implied that they were a law firm working for attorneys, along with using scare tactics to retain debt. Continuing with depletion of credit and creditworthiness, a notice of a judgment for a balance. Several months later, I received a notice that judgment was placed against me for the balance owed. Attorney General, many laws were broken with the series of events that occurred : According to the law. In section 17.41 of the Texas Business and Commerce Code, the Texas Deceptive Trade Practices-Consumer Act ( DTPA ) protects the consumers against false, misleading, and deceptive business and insurance practices, unconscionable actions, and breaches of warranty. For XXXX XXXX to mislead and deceive me to gain a sale is against the law. Also, according to the Office of Consumer Credit Commissioner, holders includes sellers who assign or transfer RICs and acceptance companies and related finance companies that acquire RICs. XXXX XXXXXXXX, License # XXXX at the address of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX is in a surrendered status. According to the OCCC, a creditor has failed to send a notification of disposition and has not provided a written relinquishment of the balance after disposition. Sued without any notifications from the courts or balanced owed. In addition, license # XXXX at the XXXX XXXX XXXX XXXX, XXXX Tx XXXX -neither location holds an active motor vehicle sales finance license and probably was in surrendered status during the time I purchased and paid monthly payments on my vehicle. The lending practices of XXXX XXXXXXXX victimize low-income consumers such as me. During my time of possession of the vehicle, I have gotten several robocalls to collect in violation of the TCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon applying for a mortgage loan I reviewed my credit report and noticed several inquires that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND Chase Mortgage, requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from Chase Bank Mortgage : : XXXX : a ) CHASE MTG Acct No. XXXX b ) CHASE MTG Acct No. XXXX XXXX : a ) CHASE MTG Acct No. XXXX b ) CHASE MTG Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why Chase Mortgage rejected over 80 payments from XX/XX/XXXX through XX/XX/XXXX.
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 XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.
Product: Vehicle loan or lease

Emailed as well as called XXXX portfolio company. I was told by representatives my last payment would be in XX/XX/. My bill still have a XXXX balance after 72 months of payments. Totally unfair and deceptive practices towards me, including failing to properly disclose interest rates and fees, misrepresenting the total cost of loans, and engaging in illegal debt collection practices.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX Account name : XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1682c. ( 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, 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 or other personal consumer reports

REMOVED THESE ACCOUNTS THEY ARE PAID IN FULL AND OR i AM NOT RESPONSIBLE i SENT ID AND POLICE REPORTS MANY TIMES I ALSO SENT CERT MAIL I HAVE PROOF XXXX XXXX XXXX XXXX Also known as XXXX XXXX XXXX XXXXXXXX Account number XXXX AND XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual
Product: Checking or savings account

I opened an Access checking account with Citi for use of stipend funds for foster care so that the money would be kept separate from my personal finances, and could be used as needed for the care for my XXXX XXXXXXXX. I opened the account XX/XX/XXXX and funded it with 2 checks from my adoption agency, XXXX XXXX XXXX, using electronic ( mobile ) deposit on XX/XX/XXXX. the checks were accepted and indicated " funds available '' within 3 business days on my Citi app and when calling the automated Citi customer service line. 
I did not access the account for several weeks until last week ( XX/XX/XXXX ) when I needed to use funds for one of my foster daughter 's band booster payments. The account was locked and funds could not be accessed. I contacted Citi XX/XX/XXXX about the issue. I was transferred at least 5 times to various departments, and was finally advised that the funds were pending verification of the checks ( from a month previous ). I asked why I had not been contacted if additional information was needed, but got no answer. I called again the same day for status update, assuming that someone had contacted the issuer of the checks. I was told that I NEEDED TO VERIFY THE CHECKS. I provided all of the information that I had ( several times ) and then explained that I am not a bank -- it is not my responsibility to verify checks. I called the following day ( XX/XX/XXXX ) and spoke to another " security rep '' with Citi who was barely English-fluent and who was incredibly rude and told me that nothing would be resolved unless I verified these checks. There was literally nothing else that I could do to work with Citi to resolve this, and was told that there was nobody else I could talk to. When I expressed extreme frustration, the rep hung up on me and I decided that I needed to explore another avenue to resolve this. 
I contacted the issuer of the checks, XXXX XXXX XXXX XXXX department, who confirmed that the checks cleared and the money debited from their account on XX/XX/XXXX. There is nothing pending verification, and has not been. I suspect that I have been defrauded somewhere in the Citi system, but there doesn't seem any recourse for it. I can provide additional supporting documents ( emails, account information ) as needed.
Product: Debt collection

I SEND A LETTER OUT XXXX TO AD ASTRA RECOVERY SERVICE AND THEY DID NOT RESPOND TO IT
Product: Debt collection

I sent an email on XX/XX/year> requesting debt validation. Caine & weiner responded but did not validate this debt. According to 15 usc 1692 G
Product: Mortgage

My mortgage company allegedly paid my property tax payment but the XXXX XXXX XXXX N.H. said they did not receive it. The XXXX told me they would put a lien on my property if I did n't pay it immediately. I paid this out of my pocket and I am now out {$1300.00}.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : PERSONAL INFORMATION : Also Known As : XXXX, XXXX, L Also Known As : XXXX XXXX XXXX Former : XXXX XXXX COLLECTION/CHARGE OFF : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account stating that I am delinquent XXXX, which, should show I dispute, also showing incorrect payments made in XX/XX/XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX and again in XX/XX/XXXX. That is false, I did not make any of those payments and actually reported my card stolen in XX/XX/XXXX,  provided police report and XXXX   reporting this information regarding other accounts on XXXX  and XXXX   correctly. Also, does not state last payment made, which XXXX, in a letter sent to CFPB states was XX/XX/XXXX.

I am disputing this debt as I have sent in complaints that XXXX XXXX corporate did not effectively communicate their accounting errors and did not reflect my refund to my card/account correctly to XXXX   and XXXX, which would have shown that my account was paid and closed.
Product: Credit card or prepaid card

Originally I had an AMEX, XXXX Surpass card. Was informed by letter on XX/XX/XXXX that the Surpass card was being terminated and members would be sent a new card called XXXX XXXX which had a different fee, different benefits etc. this would be effective on XXXX XXXX, XXXX. 
I called customer service on XX/XX/XXXX and asked if I would be getting a new introductory bonus for this new card. I was told I would need to cancel the old card before the change and open this new card when available to get any introductory bonus. As I like to be careful, I called again. 
I called customer service again on XX/XX/XXXX and spoke to XXXX. She specifically explained that I needed to cancel the current card and apply for the new card in XXXX. And, since this was a new product it would be eligible for a new introductory bonus. 
On XXXX, the same day I cancelled my AMEX XXXX Surpass card. 
On XX/XX/XXXX I applied for the new card AMEX Ascend card with advertising saying I would get XXXX  points for a $ XXXX spend and an additional XXXX points for an additional $ XXXX points. I did the spend as soon as possible. 
On XXXX I called to follow up on the points. I was told this is the same card. I objected and a claim was filed. 
On XX/XX/XXXX, I called customer service again and spoke to XXXX. He assured my dont worry, the welcome bonus will be added soon. I would be getting XXXX points but it might not post right away. That he agreed that this was a new product with a new name, new higher fee, new benefits, etc. he said he would also have his supervisor XXXX in XXXX XXXX, add comments to my file to help it. 
On XX/XX/XXXX I called customer service yet again, and was told that I was denied again. That no one had put my details in. This time I spoke with XXXX who told us a new case # XXXX who be filed with my comments supporting this as a new card that we were assured would earn a new bonus. 
Finally today, XX/XX/XXXX, I called again and spoke with XXXX who revealed that my case is going to the same person who originally denied us over and over. She took a minute to look at my file and said this is the same card I explained the many ways it was new and she repeated, its the same.
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 there platform. Leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they do not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I have included a letter that was previously not included in my recent complaint regarding this matter. 

I am filing this complaint because NORTHSTAR LOCATION SERVICES and XXXX XXXX XXXX have repeatedly contacted me, claiming I owe a debt that I do not recognize and for which I have no contractual obligation. I have no relationship with either company, nor have I authorized the sharing of my personal information with them. Despite my lack of consent and the absence of any valid contract, they have continued to send misleading and unauthorized communications, causing undue stress. I request that all collection activities and communications cease immediately, as these actions violate the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

spoken with equifax, XXXX, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.
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. 

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 XXXXXXXX has violated my rights. Or a list of inquiries : 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: Mortgage

XX/XX/XXXX Complaint # XXXX To whom it may concern : We built our home in XX/XX/XXXX with Suntrust Mortgage ( Loan # XXXX ) and they did some kind of loan modification for permanent financing but increased our interest rate and placed us in an Adjustable Rate Mortgage tied to the LIBOR Rate, which was found to be criminally manipulated by major banks harming us. 

Suntrust told us our payment would be one amount and then the payment increased substantially at the closing table adding $ XXXX/month for private mortgage insurance that we were not told about. They then told me that they could refinance after one year and could at that point get the payment lower. After the first year, in XX/XX/XXXX I went back to them to see what they could do, at this time the housing market was in collapse and they told me there was nothing that they could do. We have fought to pay them over the years. 

As we have fought to pay this mortgage over the years, we have been victims of an unscrupulous business partner which destroyed our financial income, pushing us into Chapter XXXX bankruptcy. 

Last year in XX/XX/XXXX we attempted to sell our home through a short sale with the help of a realtor and got a full offer right away. At that point our house was ready to close and we were bringing money to close but Suntrust would n't co-operate with our realtor, we had sent all of the required documents that they asked for in to them, however they kept telling us that they had not received all of the required documents, we have resent the same forms time and again via email and fax and were getting confirmation that the emails and faxes had been received. After a month of anxiously waiting, the buyers decided to move on to purchase another house. 

Now again we have an investor that wants to purchase the home through a short sale and Suntrust is doing the exact same thing, they are trying to hinder the short sale by again asking for paperwork that we have already sent in. This has now been going on for several weeks, it seems like a stall tactic on their part as they have given me a foreclosure sale date of XX/XX/XXXX at XXXX. I am simply trying to get them work with us to do a short sale so that that I do not have a foreclosure on my record, I am trying to get back on my feet financially and want to be able to purchase an affordable home in the future. 

Please help us to do a pre-foreclosure sale so we do n't have a foreclosure on our record. We are a young family who paid over {$250000.00} on our mortgage. Suntrust received a {>= $1,000,000} bailout from the American taxpayers. Can you please help us postpone the foreclosure sale date scheduled for XX/XX/XXXX at XXXX so we can sell our house and move on without a foreclosure? 

I have attached just a few of the letters that they have sent me recently claiming they have not received paperwork, my realtor XXXX XXXX with XXXX XXXX, XXXX XXXX, with XXXX XXXX XXXX ( who took our case pro-bono ), and myself have all sent them everything that they have asked for but they deny every getting any the documents. 

We want to thank you for any help you can offer my family and myself!
Product: Debt collection

I have received robo calls XXXX minutes apart multiple times with caller ID showing a different unlisted number every time. This happens every month. The caller wo n't give their name but wants money says they are working for Ditech.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, TransUnion ) and the Creditors ( 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 involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit card

I am trying to apply for a credit card through Bank of America and XXXX XXXX. I never applied and I would like to get a credit card my credit has went way down and got on there and its saying i have credit cards in my name I never even used