23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, XXXX : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
Consent to publish the description of what happened? Consent provided
Product: Mortgage

I pay extra money each month on my mortgage. I have let my mortgage company know on multiple occasions that the extra money is meant to go toward paying down principal owed on the load. 

Every few months they reset my account without my consent or knowledge and set my extra money to go toward next month 's payment and not toward paying principal. This does nothing but get them more money due to interest that I'm paying and from being able to take the money that I'm giving them " early '' and investing it for a profit. 

If this was a one time occurrence that would be ok but it happens repeatedly as though they are hoping that customers won't notice that they are being wronged.
Product: Debt collection

I ended my contract with XXXX XXXX, and was waiting for my final bill for several months. I had contacted them by phone a couple of times asking for it and never received it. It then went to collections, and any further attempts to contact XXXX by phone, I was referred to the collection agency. 

I contacted the collection agency multiple times, and every time I would receive the automated message that there were no representatives available to take my call, and to leave a message after the tone. But then I received the message that the mailbox was full, so I was never able to leave a message. 

The collection agency finally contacted me, and I expressed that I had never received a final bill, and I believed the amount they were giving me was incorrect. They sent me a copy of the final bill, which is incorrect, but again I am not able to get ahold of anyone at XXXX or the collection agency to dispute it. 

In the meantime, this incorrect bill being reported on my credit report has caused my score to drop significantly, and this is unacceptable. They do not give me anyway to dispute the charge, and I just have to deal with the negative affects. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened XX/XX/2022. 
XXXX {$7100.00} This account is FRAUDULENT! I contacted XXXX XXXX directly and informed them as well. I filed a police report and provided the company with the information and they assured me they would rectify this and apparently Identity Theft is common with this company. 

I filed a police report with the XXXX Police Dept. 

CASE # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with spotloan in XXXX if XXXX I made all payments on time except for the payment on XX/XX/XXXX never received notification from them that payment was missed now they want to charge an extra {$880.00} for a missed payment of only {$150.00} they are charging interest per day that the payment was late this was never disclosed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ChexSystems report shows that an inquiry initiated by consumer action occured on  XXXX / XXXX /  XXXX   by  XXXX   XXXX  on behalf of  XXXX   XXXX  Now. I made no such inquiry. No money was taken but my concern is the use of my social security number for others to obtain payday loans.
Product: Vehicle loan or lease

Hi there, Ive bought a XXXX XXXX XXXXrom XXXX XXXX XXXX in XXXX XXXX, CA. 
At the time of the purchase the sales person told me that I had to purchase a digital license plate and a protection coat from the car paint which they added to this car ( not true ) If I didnt comply with such a demand I would get a higher interest rate ( they gave me 9 % ) and would be more without adding those 2 extras services to the loan.

Im very frustrated because I got ripped off so badly by this dealership.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  Balanced : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Equifax, XXXX and XXXX standardized affidavits and provided notarized identification, in compliance to the Fair Credit Reporting act 610 ( a ) ( i ) and FCRA 609 ( a ) ( 1 ) ( A ) informing these companies of an inaccurate bankruptcy and debts discharged reporting on the credit file maintained under my social security number. 

XXXX XXXX was also reporting this inaccurate information but deleted it as a result. Therefore, because I am a victim of identity, I have filed an attached my FTC report under the FCRA 609 ( d ) ( 1 ) in reference to this reporting. Section 1681 e ( b ) requires these organizations to verify my identity with the original furnisher, and they have not because I have written and contacted the courthouse listed on the report and they responded back on company 's letter head that it was not the provider of this information and since XX/XX/2005, do not keep full social security number because of this very cause FCRA section 1681 ( a ) ( 5 ). 

This is affecting my ability to get credit and my livelihood, according to my state attorney, Mr . XXXX, ( Mississippi ) this a violation of my privacy laws of the FCRA and identity. XXXX XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable, so I requested in legal documentation affidavit to provide me the name, address, and telephone number of anyone from the original source, furnisher, that was contacted under the FCRA 609 ( a ) ( 2 ) and all 3 companies have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a4s.1 open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I fell behind on my car note payments so I called Credit Acceptance to make arrangements. Even after doing this and them agreeing to the arrangement they still repossessed my car. I went through the proper steps to get my car back and I noticed the day I picked it up that the car was not driving like it use to! I spoke with a mechanic that asked if it was in an accident or something recently? Other that the tow/repo company coming and repossessing my car there were no accidents and issues with my car! The car is a XXXX XXXX XXXXXXXX which is a front wheel drive vehicle. Come to find out the tow truck/repo company towed my car improperly which cause damage to the front end according to the mechanic. Damage that was not present prior to the date it was towed by the repo company. Up until then I havent had anything wrong with the car. I opened a dispute with credit acceptance requesting they repair the {$2500.00} worth of damage that was a direct result of the improper towing of the car during repossession which I feel they should be held responsible for. To date they still have not fixed my car or let me know what they dispute results are. I have diagnostic reports from the mechanics and my out of pocket expenses and video showing the improper tow
Product: Mortgage

XXXX Letter sent from the Maine Revenue Services indicating that I was past due on property taxes for XXXX. 
XX/XX/2021 ( approximately ) - I called Chase ( my service provider ) to discuss the situation. The issue was escalated and I was told it would be resolved within 14 days and I would receive notification of the result of the escalation XXXX I called the Maine Revenue Services to confirm that the property tax was paid. It was not. I also learned the tax payment was officially in default. 
XXXX I called Chase again to get a status on the situation. The agent confirmed that nothing had been done in the roughly 6 weeks since my last call. The agent escalated the case and indicated that again it would be 14 days and the issue would be resolved and I would receive notice of the outcome. 
XXXX I called the Maine Revenue Services to make payment for XXXX  plus 2 months of interest totaling {$1100.00} to mitigate any further interest due and damage to my credit. 
XXXX I called Chase to again see what the status of the situation is. Again, nothing has been done to resolve the issue. Again, this was escalated and will be yet another 14 days before I get any indication of what is going on.
Product: Credit reporting, credit repair services, 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. 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 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: Money transfer, virtual currency, or money service

I am writing this complaint to report an Internet fraud which has effected me morally, financially and mentally a lot. I had a friend in XXXX. My friend is working in XXXX, XXXX On XX/XX/2020. He contacts me and told that he needs some money as he just changed his house and got short of money. I said Ok I will transfer XXXX euro to his account. 

On XX/XX/2020. I transferred XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Yens which is almost equal to XXXX Euros using this online money transfer service worldremit.com. I used my Debit Card XXXX for making this payment. 
I got notified from World Remit that you need to upload your MY Number card for making this transfer on XX/XX/2020. On XX/XX/2020 I call the XXXX Office of World Remit. They sent me the link to upload my My Number Card, I uploaded My Number card on the Website and they said that in 3 days your amount will arrive at your friend 's account in XXXX. 
I said Ok and waited till XX/XX/2020. On contact with World Remit on XX/XX/2020, they said that our local agent is not responding your amount will be transferred to your friend 's account till Wednesday XX/XX/2020. I waited 2 more days and warn them that my friend is waiting helplessly for 8 days. 

Now, on XX/XX/2020. When I call them, they put my phone on hold or when I email them they dont just reply to my emails. I visited my nearest Police Station to report this issue, they listen to my talk briefly and told me that they can't do anything for me, I should visit my bank. I visited my XXXX XXXX on XX/XX/2020 and still, Bank person said that they can not do anything I should file a case against world remit. 

So, I started emailing and calling world remit several times and told them that I am very angry, I want my money back. But they keep on keeping my call on hold. 
On XX/XX/2020 they sent me an email that they are canceling my transfer and I can get my money back in 7 days if it's canceled and if it's not canceled then they will tell me next what to do. 

Meanwhile, I search on the Internet about this service XXXX XXXX XXXX I realized that this company is a complete scam and they steal people money. 

So, I realized that this 7 days new email is also another trap for me and I will never get my money back. So, I tried to contact some offices to report this issue. 

I have the proof receipt and emails. As I mentioned in the whole situation and would love to share with you on demand. I request you to take strict action against this company.
Product: Vehicle loan or lease

On XX/XX/2021 XXXX sent a loan payoff check to the address given to me by BBVA. The BBVA representative apparently gave me a PNC address ( which they are currently completing a merger ). The check went to a PNC location, XXXX XXXX XXXX, XXXX, PA XXXX and was signed by an XXXX XXXX. XXXX is saying that PNC cashed the check. The payment was never applied to my BBVA account. BBVA opened two investigations ( Ticket # XXXX and Tracking XXXX ) and can not find the check, which I've sent them a copy of with information about it being cashed. PNC says they have no record of my check and can't access my account because they haven't completed a system merge. I can not get in contact with the PNC location that the check physically went to. I recently spoke with PNC and they said it's possible the check was 'written but not issued '. XXXX can't perform a stop payment and reissue the check to BBVA because PNC has cashed this check. It's seems that {$23000.00} is in limbo and I'm stuck with paying two loans at the same time or risk my credit score suffering.
Product: Credit card

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, On XX/XX/2023, I have received the mail from your office mentioned above with some documents. After glancing several times, I have decided to write the comments and send to you. Following items, I have some questions as follows : 1. The document 1, which has 2 barcodes, I can not recognize the relationship with the contents. As far as I remember, where I wrote the complaints so far to relate with XXXX, is XXXX XXXX XXXX. Toward this company, I have made complaints regarding the illegal purchases of somebody unknown at the internet shop, XXXX for several times. Also, the unrecognizable charge by XXXX XXXX, which I tried to find out what kind of company was and still did not receive any solution and answer. This so-called company, also, charged my joint Bank of America account with my child, with same company name recently ; therefore, I disputed immediately. And there were two charges made by a same medical office toward the same date. Clearly said, I paid co-pay at the office on the visit ; however, this office sent me two same bills. Upon the phone inquiry, the office answered just pay one of them. Since I was not in good condition because of my XX/XX/XXXX study as a fellow student and some matters on my ears, for which I visited to this office in vain, XXXX in XXXX NJ, I paid the co-pay again. By reflection, I disputed with all necessary documents. All those disputes cost, except XXXX, which paid back only 5 months, even though it charged years, I received refunds. Anyway, I never ask the company in XXXX, which might be in Florida, to send something to Bank of America, where nobody knows personally. 

2. Regarding the letter from your bank dated XX/XX/XXXX, I am not sure whether I have received it or not, since I was occupied with other unbelievable matters. As far as I see this document, now, the format of the letter was quite different, which I am familiar with the correspondence with your company in letter. That is only what I can state. I might have all letter correspondence in keep after the dentist problem, as you must know since your company was my primary payment company ; however, over-volumed documents are in file. Therefore, I do not want to check all these disgusting papers instead there will be legal and civil actions or I attain and am satisfied with some my academic ambition. Unfortunately, I will not satisfy with the end of mere XX/XX/XXXX course works. 


3. Regarding the document on case number XXXX, I have not requested and applied to the credit card, since I am disgusted with these credit card and credit report company ; therefore, I do not find out any reason. Before I create any new credit card, I will yell and shout at my relatives in XXXX to calm down and satisfy myself ; and tell everything them and they will talk everybody around them in XXXX and over the world. 


These are what I have realized and wrote down to report. 

Sincerely,
Product: Debt collection

I am writing to express my deep frustration and disappointment with the useless response received from TransUnion regarding my request to block erroneous fraud accounts on my credit report. Your denial lacks a valid explanation and verification of material facts, which violates the law. It is unacceptable that TransUnion has failed to provide adequate justification for denying my request. As a consumer, I have the right to dispute inaccurate information on my credit report, especially when it pertains to fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX  I filed a chargeback for products I did not receive from the merchant XXXX XXXX American express approved the dispute and refunded my money. 4 Months later, in XXXX they charged the money back to my account totaling around XXXX and not expecting me to pay it back after I have already rightfully won the dispute but I never received the products.
Product: Credit card or prepaid card

I recently learned that Lowes/Synchrony Bank has falsely alleged that my brother lives at my address. Please force it to remove my address from any information that it has about my brother and his Lowes credit card.

Specifically, in CFPB complaint # XXXX, Synchrony Bank alleges that my address is my brothers address. This is untrue. Furthermore, neither I nor my brother would have told Lowes/Synchrony that my address is my brothers address. At the time that he opened his Lowes credit card account, my brother lived in XXXX, GA. Subsequently, he lived in Maryland and has lived there for roughly 4 or more years now.

So another question is how Lowes/Synchrony came to falsify my brothers address, then use its fabricated information to close his credit card. There is other false information in Synchronys response to my brothers complaint about its closing his Lowes credit card that will be dealt with in the CFPB complaint about Lowes capricious and unjustified denial of credit to him. This particular complaint, however, is mine and it is against Lowes/Synchrony for using my personal information without my knowledge or consent to falsify my brothers credit file and to expose me to increased risks of identity theft, financial crime, and cyber crime.

I resent any anonymous third party such as Lowes or Synchrony Bank appropriating my personal information against my wishes and without my knowledge or consent for its own illicit reasons. I resent it trafficking in my personal information for its own purposes. Why cant the CFPB stop this from happening? I am unfairly burdened, not only by Lowes and Synchrony Bank, but perhaps as well by the CFPBs failure to stop this illicit and potentially criminal activity from occurring. This is not my mistake, it is Lowe's/Synchrony Bank 's . I should not be forced into being a private policeman against their illegal behavior that jeopardizes my financial and general well being.
Product: Checking or savings account

I have been trying for years to open a chase checking account and keep getting denied with no reason as to why. I tried again XX/XX/2022 and denied
Product: Credit reporting or other personal consumer reports

Notice of Violation of the Fair Debt Collection Practices Act
Product: Debt collection

For a few years now, two collections accounts from this company ( XXXX for {$710.00}, and XXXX for {$780.00} ) have sat on my credit report, negatively affecting my credit and FICO scores. I do not know where this debt came from, I am unfamiliar with this company and I have had no known dealings or contracts with this company. I don't know where this negative information is coming from. 
There is no paperwork, account information/ number provided to me anywhere or anytime to support why this debt even appears on my credit report. It is a phantom debt on my credit report. This company has a terrible XXXX  rating and I am submitting a complaint to that agency as well. They have a habit of placing phantom, random collection accounts on consumers credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently have a dispute with the debt collector XXXX, services. Because it appears that they are unable to verify the debt, continues to report a negative balance on my credit report. This is a unfair and deceptive way companies take advantage of people of XXXX. 
I filed a dispute with Experian. Now it appears that XXXX is reporting to Experian, as of XX/XX/XXXX, that this debt as accurate. 
I provided screenshots of the companies response to the cfpb and Experian refuses to remove this debt. Of course Experian won't provide what they received from the debt collector because that is not how this game works. I am kindly asking CFPB not to closed this case, and accept some scripted response from Experian, but to look at what I am submitting again.
Product: Vehicle loan or lease

The landholder cancelled my gap policy after I total loss my vehicle in XX/XX/year> and put it as an repossession and when my insurance company tried to contact them it was told I didnt have the gap which is breaching the contract because I had gap insurance. Then its on my credit which is lawfully wrong and reporting inaccurate information and have yet to send the original file or documents signed to know that my gap insurance was cancelled. Also my account was breached in the data breach numerous of times and Ive trying to learn how do my data and information get breached. Im using USC 15 1681 rights have been violated by this company.