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

Subject : Dispute of Alleged Deficiency Claim and Violation of FDCPA and FCRA Dear XXXX, I am writing to formally dispute the claim of deficiency listed on my credit reports in relation to the repossession of a vehicle by XXXX XXXX  XXXX XXXX as well as to report a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, XXXX XXXX XXXX repossessed the vehicle in question in the XXXX of Florida and subsequently sent it to auction for resale. According to the laws of the XXXX of Florida, as well as the relevant statutes such as the XXXX and XXXX, a deficiency claim can only be valid if all necessary notices were provided in a proper and timely manner, and if the allowable redemption and cure time limits were strictly adhered to. 

To ensure the validity of the deficiency claim and the legality of the resale process, I requested XXXX XXXX XXXX to provide copies of the legal notices as well as proof of the commercially reasonable manner of the resale of the subject vehicle. However, despite the aforementioned request, XXXX XXXX XXXX  has failed to furnish any such evidence within the designated time frame of 14 days from the receipt of my notice. 

Based on the lack of response and supporting documentation, I hereby assert that the alleged claim of deficiency is null and void. Any continued collection activities or reporting of this invalid claim on my credit reports would constitute a violation of both the FDCPA and the FCRA. 

I want to emphasize that I am committed to exercising my rights under the FCRA and seek appropriate recourse for any violations. Therefore, if XXXX XXXX XXXX singularly or severely fails to comply with the aforementioned requests, and if they persist in listing the disputed item on my credit report, I reserve the right to pursue legal action to seek damages against all parties involved. I am prepared to sue for actual damages and declaratory relief under the FCRA, utilizing all available State and Federal statutes and XXXX remedies. 

I prefer to resolve this matter amicably and avoid litigation if possible. However, I will not hesitate to use the courts as necessary to enforce my rights under the FCRA and seek the appropriate remedies. 

Enclosed with this letter are copies of the relevant documentation supporting my dispute, including the notice sent to XXXX XXXX XXXX requesting the legal notices and proof of the resale process. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter to ensure compliance with the applicable laws and regulations, and to protect the rights of consumers like myself. 

Thank you for your attention to this dispute. I look forward to a prompt and favorable resolution.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature.
Product: Credit card

I was approved for a Chase Saphire XXXX Card on XX/XX/year>. I was specifically planning on using that card for an airline ticket purchase for a few different reasons. 1 ) I would get 5x points using that card through the Chase portal. 2 ) The amount of the ticket would go towards my first three-month bonus total. 

I called Customer Service upon my approval and asked how long it would take to get my card in the mail. I was told that they would put a rush on it, and it would be delivered via XXXX in 1-2 business days since I was a Chase " Private Client. '' Long story short, the card never arrived. After day 5, I called Customer Service, and they informed me that the agent I spoke with never put the card on a rush. They apologized 3-4 times and assured me they would send out another card and I would have it next day via XXXX. Once again, the card never showed up. I called towards the end of day two as I was still waiting to book my flight. The Customer Service agent tracked the card and said it was delayed and won't show up for another 3 calender days. 

At that point, I had to cut my losses and book my flight without the Saphire Card I had intended to use. I booked the flight for {$200.00} more than the cost I would have had to pay if the CS agent hadn't made an error and mailed the card out like she had originally stated. I also lost out on the 5X bonus points and the money towards my first three-month bonus spend. 

I spoke with CS and was transferred to a manager. I stated all the facts and asked them to make me whole since this was their error. Both reps told me there is nothing they can do and refused to give me any compensation. 

I'm looking for appropriate compensation for the financial loss of Chase 's error on not sending the card as indicated to me on my initial phone call.
Product: Credit card

Attempted to remove self as authorized user, denied. Even as POA. They lost proof of POA and require 15+ days to approve the new one and account is currently locked preventing use for my grandmother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an old collections with XXXX XXXX on XX/XX/2022. This company sent information to EQUIFAX, whom I had disputed the account with a month earlier, allegedly verifying the debt. I previously disputed the collection account with EQUIFAX a month earlier. EQUIFAX falsely added the collection account back on to my credit report as a new collection XX/XX/2022 dropping my credit score XXXX pts. This is injuriously stopping me from buying a home and starting new lines of credit.
Product: Credit card or prepaid card

Bank of America keeps debiting my Credit card even though my credit card balance is XXXX. Every month they debit my card and then send me a check, but I don't have use of the funds for those times and it has caused hardship for me resulting in overdrawing my bank account.. have contacted their customer service department but it still occurs. I don't think it is fair for a big financial company to be able to use my money without recourse.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

There are are XXXX interest charges at the same time on the card which is causing increased monthly payments not to make a difference in paying off the card. It's ridiculous! I paid at least {$1000.00} in XXXX and it didn't reduce the balance. I pay {$100.00} every month since but constant interest charges makes these payments futile. I paid the amounts told to pay but still no difference. CFPB needs to look into frequent and exorbitant interest charges for Citi XXXX XXXX
Product: Credit card

For its XXXX XXXX, Wells Fargo currently charges 27.99 % ( v ). I understand that credit card interest is in the hands of the card companies, and that they may charge whatever they like! 
There is no cap on interest charged by credit cards.
Product: Credit reporting or other personal consumer reports

You stated in your dispute results that you are reporting this account accurately. Well, I disagree. I would like to see all the documents you used to verify the account listed. Please do not send me a letter stating that you have already verified he accounts ; I would like to see real proof. 

Please email me this information to me ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACE ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAD TO XXXX THE NAME OF THE ACCOUNT TO KNOW THAT IT WAS A RENTAL PROPERTY THAT I KNOW NOTHING ABOUT. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I placed an order with XXXX XXXX XXXX for XXXX XXXX with XXXX XXXX the businesses owner. The total amount was XXXX XXXX and had agreed I would receive by XXXX XXXX or XX/XX/2022. We had agreed on me paying 50 % ( XXXX XXXX ) on that date XX/XX/2022 the rest by XXXX XXXX so they could have it on there account by XX/XX/XXXX XXXX. I kept insisting on getting receipt once they received on XX/XX/2022 and stopped getting response from business owner.I deposit remaining half {$350.00} on XX/XX/2022 get informed issues with finding flight for our package. I asked for a refund and kept calling and he blocked me since he was not responding. Finally when Im able to get a hold on XXXX XXXX asks for my bank info to process refund. I then get a refund receipt. I check it everything looked fine except no tracking number for wire transfer. It has been 6 days and I still do not receive refund. I reach out to ask for more information and I get no response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries listed on my credit report that I do not recognize or recall authorizing. These inquiries are negatively impacting my credit score and were not initiated by me. I request that you investigate these inquiries and provide documentation proving that I authorized them. If you can not provide such proof, I ask that these inquiries be removed from my credit report immediately. Please confirm receipt of this dispute and inform me of the outcome of your investigation.
Product: Debt collection

LVNV FUNDING LLC has reported this account as a collection debt sine XX/XX/year>. Ive repeatedly sent requests to have this fraudulent debt removed from my credit report and they continue to report it. It has harmed my credit continuously for years and they keep calling and harassing me. This needs to cease immediately and the debt removed.
Product: Money transfer, virtual currency, or money service

Venmo previously held money from me for a period of 3 months, saying I needed to submit my tax information. Despite repeatedly providing that information, their system had a glitch and would not accept it. Eventually, the money was released, and I believed at that time the issue was resolved. However, I received a sum of {$260.00} on XX/XX/22 that is once again being held for the same reasons. They are not responding with any efforts or information about resolving the problem, despite my repeated attempts to contact them. This is the same problem as before, even though I have repeatedly provided my tax information, including business documents from the IRS and documentation of my tax info. I have not had these issues with other money transaction apps as related to my tax info, only Venmo. I have attempted to resolve the issue and venmo is not being responsive.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un 15 USC 1602 [ k ].

Further pursuant to 15 USC 1601 [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 
From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ].

According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ XXXX ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Since XXXX : XXXX. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported 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 those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title.

15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I am in receipt of your correspondence postmarked XX/XX/2021 from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, entitled " Notice to Mortgagor. '' As stated numerous times to no avail, I or my siblings ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) are NOT the mortgagors of the property you reference " XXXX XXXX, XXXX NY XXXX. '' You have sent this letter in error to my siblings and me. The Estate of XXXX XXXX XXXX, for which I am the executor, has no claims from XXXX XXXX, XXXX or Select Portfolio Servicing, INC, or any other entity for that matter. This letter is both false and fraudulent. Should you have any questions, please do not hesitate to contact myself. XXXX XXXX XXXX, Executor for the estate of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Please cease and desist all and any correspondence with my siblings and address any concerns to the XXXX of XXXX XXXX XXXX. Again, the XXXX of XXXX XXXX XXXX is unaware of any claims against the estate. As stated numerous times to SPS, the property you reference is not part of any security interest or debt and all claims of such have been denied.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the numerous attempts I have made to rectify inaccuracies on my credit report. Despite my persistent efforts, the incorrect information continues to adversely affect my financial standing. I am writing this letter in the hope of drawing your attention to this matter and seeking a prompt resolution. 

I am fully aware of the importance of accurate credit reporting and how it influences my ability to secure loans, credit, and financial opportunities. These inaccuracies have caused significant harm to my financial well-being, leading to higher interest rates and missed opportunities for various financial transactions. 

I respectfully request that your bureau takes immediate and thorough action to investigate and remove the inaccurate information mentioned here from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct these inaccuracies, along with a timeline for their removal. Transparency in this process is essential to help me understand the resolution timeline. 

Should these inaccuracies persist on my credit report without corrective action, I may have no choice but to explore legal avenues available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed the following inaccurate information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an ongoing issue with XXXX XXXX for over a year now that is their error and has lowered my credit score over 30 points due to their negligence. 

First, a credit card I've had for nearly 15 years was closed without warning. It was closed with no letter/call/email, my oldest credit card, and consequently significantly dropped my credit score. 

I filed a complaint with the CFPB a year ago - complaint XXXX - and XXXX XXXX was ordered to reopen the account. 

They did. Only to close it again a week later. I found out about that in XXXX. They account was again reopened, but has still not been corrected on my credit report after many, many discussions with XXXX XXXX, the most recent being about 60 days ago. The card has a tiny balance so that I can show it has actually is open and has been used. 

Please help! I plan to buy a house in the next 6 months and this ordeal is creating a tremendous amount of stress. I would really appreciate your help in ensuring credit report accurate, reflecting the 15 year credit history I have worked hard to build. It is clear that XXXX XXXX does not care. Thank you.
Product: Vehicle loan or lease

I have been making payments to Sun Trust Bank for two years I have been paying extra money towards the principal last year I called to check payoff. Amount of payoff was not correct manager looked into the problem said extra money was going to next months payment they fixed the problem.On XXXX XXXX I checked on extra payments again the same problem was back again I called sun trust but could not get any results to my concerns.My payments going to principal are not being applied correctly sun trust is merging with another bank if this problem is not corrected now it will be bigger problem for me to get corrected when they merge. Someone needs to look into this matter and make them fix there mess I am being charged interest on money that I am paying towards the principal extra money it not being applied to the pay off at the end of the loan. Thanks for any help you can give. XXXX XXXX XXXX