23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today, XXXX, my bank called me to let me know that a levy was sent to garnish what money do I have in my checking account. at XXXX Bank. It appears that this debt is a scam involving employees of government agencies namely : XXXX XXXX XXXX and my former employer XXXX XXXX XXXX XXXX. My bank provided me a telephone number to call about the levy. I called the number and I talked to an employee of XXXX XXXX XXXX which refuses to identify himself. This employee gave me another telephone number to call about the levy. The phone number belongs to Alliance One and I talked to a XXXX XXXX who refused to identify what company they are if they are a collection agency or not. I was able to obtain some information about the levy and checked my record and whatever these people are collecting were fully paid on XX/XX/XXXX to XXXX XXXX XXXX for a traffic citation that I was not even aware of but I paid it anyway without any disputes about the traffic citations. I paid this questionable amount XXXX the total amount of {$520.00} to obtain renewal of my California Driver 's License. Now it appears that I continue to be scammed and a fake court order document was sent to my bank to zero out my checking account. Please help.
Product: Debt collection

On XX/XX/2019, I was alerted that there was a new account added to my credit report and my credit score had dropped. I have never received any notification from this debt collector, nor have I ever been to the medical facility that says I owe {$240.00}. On XX/XX/2019 I sent a certified letter to Account Resolution Services asking for proof that I owe this debt.
Product: Credit reporting or other personal consumer reports

Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from the unauthorized dissemination of personal financial information. In addition, Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data. 
Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made. 
Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.
Product: Mortgage

I was at work on XX/XX/22 when my wife called in to ask about a loan modification we requested for on XXXX. Let me state my wife and I are legally divorced but currently working on our marriage. However that should be of no concern of Penneymac. Their only position in this is to process the paperwork not question my relationship status when they have been told we are back together. My wife spoke to XXXX who told her she was not authorized to speak to her about the account. We specifically faxed the paperwork requesting that she can be spoken to about the account on XX/XX/22. XXXX found the paperwork. Apologized that it was not on the system. She began to tell my wife that the loan modification was approved and that the unpaid balance would be put on the end of the loan. XXXX also mentioned that fed ex delivered the paperwork which we never received. She proceeded to look up the delivery date then hung up on my wife. When my Wife called back the single point of contact person who was XXXX didnt answer. She is the XXXX listed on the paperwork. Someone named A from the XXXX XXXX modification office answered and proceeded to say the paperwork had not been processed. A would not provide his last name when requested by my wife although he has sent paperwork to our home with his last name on it. My wife requested to speak to a supervisor. AA stated the office closed at XXXX although XXXX answered at XXXX. AA put my wife on hold and came back to say the supervisor want available. My wife asked for a number to file a complaint. It would not have gotten this far. XXXX gave my wife an approval date which was XX/XX/22 in which the loan modification had been approved. She said the paperwork was sent out via fed ex but did not provide the date delivered or the tracking number. XXXX mentioned the line was being recorded so this recording dated XX/XX/22 should be able to be pulled up easily. We have done everything Penneymac asked of us including sending a fax with the modification paperwork requesting that my wife be included in these calls because I work and yet she is still getting the runaround instead of AA or JA just doing the job they get paid for. To help their customers. We want to keep our home. We can now make the payments but it seems as though Penneymac is intentionally trying to foreclose on our home. They advertise that they are here to help the homeowners yet when my wife calls and sends in the requested paperwork as requested by Penneymac there still is no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Dept Of Ed Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I was in bankruptcy from XXXX   after job lost and paid faithfully until dismissed in XX/XX/XXXX. In which BoA CHANGED my report from XXXX  to XXXX  FOR years XXXX XXXX XXXX, the years I was in bankruptcy and paying on time. 
Further never mailed any correspondence or bills letting me know I still owe on debt. 
I only found out by credit report monitoring. They further report currently each and every month XXXX  as past due on a debt over five years old.
Product: Debt collection

On XX/XX/XXXX I injured my XXXX and went to the emergency room at XXXX XXXX XXXX XXXX in XXXX Colorado. I submitted all my information including all my medical information to the staff at this hospital. I was treated and released. 
The hospital submitted for services to my insurance company on XX/XX/XXXX. I received an invoice from the hospital in XXXX of XXXX for {$2200.00} and I paid my part of {$500.00} after insurance paid their Part. At this point I was under the impression that my bill was Paid. 
On XX/XX/XXXX, approx. 1 year and XXXX XXXX months later I received an invoice from XXXX XXXX XXXX associates for {$650.00} for the emergency doctor 's fee. This was the only Invoice I received from them. I checked all my statements from the insurance company from XX/XX/XXXX to XX/XX/XXXX and found that XXXX XXXX XXXX XXXX had not submitted for payment of services. 
On XX/XX/XXXX I contacted the billing dept for XXXX XXXX XXXX XXXX about this invoice. I advised them that they haven't submitted this to my insurance company and that once submitted I would pay the amount owed and that my medical insurance information was submitted to the hospital where I was treated. 
On XX/XX/XXXX I received a letter from Collection Resources Inc. for the amount of {$650.00}. At this point it was obvious that XXXX XXXX XXXX XXXX didn't submit to my medical insurance. Now due to their negligence I am in collections instead of paying my part of 20 % ( {$130.00} ). This is XXXX XXXX XXXX XXXX mistake and I in good faith I did my part by submitting my medical insurance information so they could get paid.
Product: Vehicle loan or lease

I have been authorized by my mother to file this complaint, because she does not know how to use a computer. My XXXX year old mother purchased a XXXX XXXX XXXX vehicle XXXX from a local dealer, the interest charged on the loan is 20.45 %, the car cost {$12000.00} the finance charge on the car is {$9100.00}. My mother was not aware of how much this car cost, she was paying on the car until I requested the contract to see why after 3 years her payoff for the vehicle is {$10000.00} and the car is only worth {$3400.00}. I spoke with the car dealership because there was a {$2400.00} charge for SGuard plan which she never received information on and this charged was include with the cost of the vehicle. I am finally this complaint against this company Santander Consumer USA why did this company charge such a high rate and if her credit was bad at XXXX years old, why did they advise her they could not do this loan. I check on line regarding this company, they have a high rate of repossessions in Florida. I truly believe they need to be investigated for Predatory Lending Practices.
Product: Debt collection

We have continuously been receiving phone calls from the following numbers and companies for someone who does not reside at this residence. They are bottom feeder debt collection agencies who obviously do not know the law or choose to ignore it. Here are a couple of the XXXXXXXX XXXX XXXX. They are calling our number that are unrelated to this issue. Please stop this.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Debt collection

On XX/XX/2017 I made a payment of {$330.00}. Around XX/XX/2017, my XXXX XXXX at the time ending in XXXX XXXX was taken from my driveway. 
I was never notified PRIOR to XX/XX/XXXX or XX/XX/XXXX for that matter that my car was set to be repossession involuntarily as I would of never made the XX/XX/XXXX payment as low as I did. Or I at least would of made other arrangements with Santander. I had even spoke to an agent about a month prior to make sure I was making the correct future payments in order to get my account back in order. It wasnt until the tow truck was in my driveway trying to take my car that I realized my car was being repossessed. It was also at that time that I had to called Santander to confirm said repossession. Might I add that the tow truck stated that Santander was known for doing illegal repossessions. Nonetheless, my main issue is that Santander may have repossessed my car illegally and may also have violated one or more laws. Upon researching Florida Statues regarding repossession, Santander was and still is in direct violation of Florida Statue 537.012 section 3 which states that At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. I was never notified of any details regarding said sale nor was I notified of a final amount owed. I also was never given a chance to make reparations prior to the sale, whenever it occurred, which is also part of Florida Statue 537.012 section 3. I just so happened to check my credit report on XXXX XXXX in XXXX to find a repossession listed on my account which then changed to a charge-off in XXXX with a new amount owed which was news to me. I honestly believe Santander had already scheduled a repossession prior to XX/XX/2017 but instead decided not to notify me of that and allowed me to make a payment as if I was simply paying my regular car payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX shows an installment loan in my credit bureau reports which I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Debt collection

XX/XX/21 received a robocall regarding an old debt which was paid last year in full. The recorded message stated that my employer would be notified as well as the HR department and that this would be the only attempt the collection company would take to reach me to fix the situation. I called the collection company back on the number in my caller ID because the message went too fast to get written so it was the only number I had. When the phone was finally answered by the collection company, I was half way through explaining what I needed help with and the receptionist or whomever hung up after telling me that its my problem that I have the debt and I should have been writing as soon as the call came into my phone.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Debt collection

I sent a debt validation request via USCB website on XX/XX/XXXX requesting information to validate debt for accounts listed by USBC representative as : Act # XXXX {$15.00}, Act # XXXX {$890.00}, Act # XXXX {$510.00},, Act # XXXX {$10.00}, Act # XXXX {$34.00}, Act # XXXX {$25.00} and Act # XXXX {$40.00}. In return, they sent a letter back on XX/XX/XXXX that did not contain the information to prove the debt was mine. The letter contained only account # s, amount due and creditor name. A certified debt validation letter was sent on XX/XX/XXXX requesting validation of debt information. I received only 3 letters for three out of eight accounts which are listed as follows : Act # XXXX {$890.00}, Act # XXXX {$25.00} and Act # XXXX {$34.00}. In these letters, it contained my private medical records/information that is a direct violation of HIPPA privacy regulations. I never signed a HIPPA form authorizing them to have access to this information. In addition, the remaining accounts were not validated after two attempts to ensure this was indeed my debt. 
Post previous complaint, I received a letter from USBC on XX/XX/XXXX noting that the Acc # XXXX XXXX had been requested for removal from my 3 credit bureaus in which it has been removed. However once again, they sent me HIPPA violating information ( attached letters ) for the accounts listed as follows : Act # XXXX {$510.00}, Act # XXXX {$10.00}, Act # XXXX {$40.00}. In addition, the accounts listed as Act # XXXX {$34.00}, Act # XXXX {$25.00}, Act # XXXX {$15.00} have yet to be verified. As such, I would need them to delete all information of these balances from their collection agency, remove any further action of reporting to the 3 credit bureaus, and cease all contact for the above noted accounts. 
*All documentation supporting previous complaint can be accessed from complaint IDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX, XXXX the consumer would like for you Transunion under the FCRA 15 US CODE 1681a which states that you should be reporting with fairness and accuracy. Transunion has responded to my last two complaints saying they need future authorize to dispute this alleged debt on my consumer credit report. I've sent all the required documents in the attachment below. You are violating my consumer right by not accepting my disputes and not excluding any consumer credit transaction from my consumer report which is pursuant 15 US Code 1681a ( d ) ( 2 ) ( a ) ( i ), 15 US Code 1681a ( d ) ( 2 ) ( a ) ( ii ), 15 US Code 1681a ( d ) ( 2 ) ( a ) ( iii ). You dont have any permissible purpose to furnish my consumer report pursuant to 15 US Code 1681b.
Product: Credit reporting

There is an auto loan at XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, that has been opened on XXXX XXXX, XXXX and closed XXXX XXXX, XXXX for {$3600.00}, a XXXX XXXX charge account opened and closed from XXXX XXXX, XXXX to XXXX XXXX, XXXX, a home loan opened around XXXX XXXX and a retail card opened around XXXX XXXX that is on my credit file that I have NO involvement in or any acknowledgement of. I just recently found out about all of this and have reasons to believe that someone else has used my personal info to open these accounts.
Product: Debt collection

I Do not owe this company anything never heard of them until I looked at my credit report
Product: Payday loan, title loan, or personal loan

The process of the loan is that they give you a portion upfront, you make the payments and the remainder of the loan you borrow is in a reserved funds account that you get at loan payoff. I received information from them that I could pay my loan off with my reserve funds account and receive anything left over since my loan balance due was less than what I had in my reserve account. I followed the procedures they sent me to do so but the reserve account was grayed out on my portal so I could not access the funds. I reported this to them on XX/XX/2020 when I originally tried to pay off loan. They stated they didnt know what was going on and would set up a trouble ticket with the engineering department. This ticket was in what they called escalation mode. I checked back several times weekly from the XXXX forward and either got a response of we are working on it or we will do another ticket. We don't know what is wrong or why you cant utilize the feature. I asked repeated to speak to someone who could help me or explain to me why this fix was taking so long and always get the run around answer. This past week they sent me an email stating it was still being worked on and that they assigned my account Moneylion points that I could use -these are not available as my account says I have past due payments now because I will not pay them until this issue is fixed. They respond with we don't know what the issue is the engineering team is working on it. This is now day 42 of me requesting that my loan be paid in full immediately using those funds and them telling me that I have to wait on them to fix this issue. I don't want their points or them to give me courtesy grace periods on my payments as I should of had this loan paid in full on XX/XX/2020 using the reserve funds they told me I could use to pay the loan off with.