23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Joined XXXX when it first opened in late XX/XX/XXXX and decided to leave in early XX/XX/XXXX. Despite numerous cancellation attempts and not using the gym in over 5 months XXXX continues to bill me and has now forwarded me to ABC Financial, a Collection Agency in XXXX, AZ. Attempts to contact XXXX XXXX, Membership Manager, go unanswered or returned.Speaking with " XXXX '' ( will not give her last name ), in Customer Relations, hangs up on me.Simple questions like " Will you please look up the last time I used your gym '' to " XXXX '' to show I have n't used the gym in over 5 months are responded to as " that 's not important '' and then hangs up. Letters to both XXXX XXXX and ABC Financial under the U.S. Fair Debt Collection Practices Act, 15 U.S.C. section 805 are ignored. ABC Financial has also been asked to provide written proof that they are licensed to do business in the state of Kansas and they have n't. XXXX XXXX is unwilling to address or correct the matter.
Product: Debt collection

ARS ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # *********** DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I called Capital One about my restrict credit card balance. My balance on this credit card is {$330.00}. XXXX. I had made a payment of {$25.00} on XX/XX/XXXX which posted on XX/XX/XXXX. I only made the {$25.00} payment because I had called back in XXXX of XXXX to get on a COVID relief payment arrangement that was set up for {$25.00} payments but was not aware that Capital One was reporting on my credit report 4 late payments because I was not meeting the original minimum payment agreement that was established. The representative did not explain this to me at that time. I spoke with a Senior Account XXXX ID : XXXX by the name of XXXX she explain to me that my account was {$38.00} past due and 25 days late which did not make any sense to me. When on the mobile application there system is telling me I owe {$88.00}. Then capital one charges me late fees for the months of XXXX thru XXXX. When I am supposed to be on a Covid relief payment agreement. I am not trying to get out of my obligations to paying on this card and I do not want my account to go to collections but I have gotten no where with the customer services representative and the senior account manager in asking for some kind of relief to pay off this card because I am struggling during this time which the majority of Americans are. I really feel like Capital One does not care to have my business or to continue our business relationship at this point. This consumer is determine to pay all financial obligations and to close this account.
Product: Vehicle loan or lease

On XX/XX/XXXX i purchased a XXXX XXXX sonata from XXXX XXXX XXXX which financed through Westlake financial services. total price for the vehicle was XXXX, i paid a total down payment of {$2800.00} for the vehicle and insurance which was required I make a payment of $ XXXX monthly. I never had a problem with the financial company or the car until the engine has gone out 2 months ago, i contacted Westlake about the vehicle and they told me it was nothing they could do and he also told me he could see that the vehicle was leased with no warranty. also I had the vehicle XXXX months and it shows on my account i still owe an amount of XXXX. I've ask why does my account says i still owe XXXX i was told they doesn't know why it says that and put me on hold almost a XXXX i was also told the reason why the loan amount still says XXXX is because i made all payment after the due date which was the first of each month, and was paid towards Entrance. I've paid my car note each month a couple days after but none of this is making sense to me. i was treated unfairly because they said they could not help me with anything.! after telling them i was going to report them i was put on hold XXXX and told they could only bring my account to current because its almost XXXX XXXX late..! after explaining that it wouldn't help because i can not drive the car because it doesn't run, days after the engine went out i begged them to help me out a little, it got to the point where i offered them to come pick it up and yet it still sits outside..! I've took a total lose dealing with this company. I've asked couple i get my BLANK PAYMENTS back for those months plus down payments and was told NO..! im being treated so unfairly and i will like someone to take actions.!
Product: Credit reporting

I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this company which is XXXX and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

After closing on our first mortgage for a new home on XX/XX/XXXX, our mortgage was sold to another company without any of our input ( which I don't think is an acceptable practice ). It was sold to Mr. Cooper- previously Nationstar. This is NEVER the company I would have chosen for my mortgage, especially given the consumer protection atrocities documented after the housing crisis in XXXX. That being said I am already experiencing practices which I feel are meant to prey on consumers. The organization of this company means that you can not address account issues with any one person, you have to speak to a different person every time you call to discuss your account. These people are not knowledgeable or helpful and only regurgitate the information on statements or documents. You can not make any progress or address any problems. It's like beating your head against a brick wall. With particular details as to our experience- upon our mortgage being sold to them, they did not do any of their homework by reviewing our closing documents. On XX/XX/XXXX Mr. Cooper increased our escrow by {$140.00} per month. When we looked into the details, it was because of a disbursed insurance payment which had already been paid by the previous lender upon closing, disbursed taxes which had already been paid upon closing, and also an increase in 'cushion '. When we tried to speak to someone about this we went through the ringer. It took us two whole months of going in circles. Finally I had our previous lender contact them to sort it out. However we still owe a considerable amount due to this cushion - a total of {$720.00} for this year. I paid this difference in escrow in one lump sum on XX/XX/XXXX. The service lady told me that it would go back to their escrow review department and the new monthly payment would match our original monthly payment of {$3500.00}. Upon viewing the updated amount today, Mr. Cooper is STILL trying to charge us more money per month. Our updated payment amount is now {$3500.00}. That is {$280.00} a year difference. I will have to contact them again and I am sure experience the same incompetence from the service side. I believe this practice is happening so that they can take advantage of consumers and make money off of them. After reviewing complaints on the Better Business Bureau, it seems I am one of thousands of people who have this same complaint about escrow and tax/insurance disbursements. My description above does not even take into account a couple of other things that seem fishy to me about their customer service. This company should be investigated and consumers should have a say in who is able to buy their mortgage. I feel like I'm living in a giant scam of an economy right now and I have no power.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$210.00} 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$210.00} 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: Money transfer, virtual currency, or money service

App ( Block, Inc. ) due to inadequate customer and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}
Product: Debt collection

on XXXX XXXX, i sent a letter to lvnv funding, llc requesting validation of the alleged debt they say i owe.it was sent off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Fri, XX/XX/XXXX, XXXX XXXX.they have not responed to me within 30 days and therefore this unverified item must be deleted before i consult my attorney.LVNV FUNDING XXXX LLC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$820.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, LVNV FUNDING, LLC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Product: Credit card or prepaid card

I signed up for the Marriott XXXX branded credit card with Chase Bank. that promised XXXX Bonus Points when I speed {$3000.00} in the first 3 months ( I have the website image offer ). 

The points expire in 6 years in the XXXX program. 

I received the card and spent {$15000.00} in the first month, and {$4900.00} in the second month. 

I received in my XXXX account three offers of three 3-night stays of {$50000.00} each. While these total more than the XXXX points promised, the use limitation and expiration are a serious downgrade in value. They expire in less than 1 year and can not be supplemented in points or dollars to be used for XXXX nights in the hotel brand we frequent - the XXXX, XXXX, The XXXX XXXX, XXXX XXXX, etc. 

I have called and written and the XXXX reward department of Chase refuses to change the offer despite the proof of the offer image on the site from which I applied.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two fraudulent inquiries that have appeared on my credit report without my authorization. The inquiries in question are as follows : - **Bank XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX - XXXX ( Bank ) XXXX XXXX, XXXX These inquiries were made without my consent and are the result of identity theft. As a consumer, I am protected under both the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Agencies Act ( CCCRAA ), which mandate that any unauthorized or fraudulent inquiries be removed immediately upon notification. 

To support my claim, I have enclosed the following documentation : 1. A copy of my government-issued identification.

2. An updated copy of my official FTC Identity Theft Report.

3. A copy of this dispute letter for reference. 

# # # Applicable Laws : - **Under FCRA Section 605B**, fraudulent information, including unauthorized inquiries, must be blocked from my credit report when identity theft is reported.

- **California Civil Code Section 1785.16 ( k ) ** further provides that credit reporting agencies must investigate disputed items within 30 days and remove or block any fraudulent inquiries.
Product: Money transfer, virtual currency, or money service

i am filling a complaint agest cash app ( block.inc ) due to inadequate customer service and unfair practices.which violat the consumer financial protection act ( CEPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on thier platforms.leaving my account vulnerable and unprecedented.futthermore thier dispute resolution process was unfair and deceptive.as they did not comply with error resolution requirements under the electric fund transfer act EFTA and regulations e these actions have caused significant inconvenience and financial loss .i seek appropriatere redress on these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied was was offered four jobs. After getting my check back they declined to hire me. How amnI supposed to live when I cant get hired because of someone elses actions
Product: Credit reporting or other personal consumer reports

Account XXXX Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in 2020. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, you have made attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, which is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I expect the following account to be deleted from my credit report within 7 days LVNV FUNDING LLC XXXX
Product: Credit reporting or other personal consumer reports

I was the XXXX XXXX XXXX XXXX Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Today XX/XX/2021 around XXXX central time I returned a voicemail about student loan forgiveness program that I qualified for. XXXX. They left agent ID # s. They knew I had 2 student loans and 1 was a parent student loan. They texted me a security code on my phone that said : FSA : Your FSA ID temporary secure code is XXXX. Enter this online within 30 minutes to continue account recovery. Do not share this code.I had to verbally tell the agent this number over the phone. 

They said 0 % interest for 240 months and then loan forgiveness. 

I thought it was a scam so I said call back tomorrow. 

Please help. I think my identity is in jeopardy.
Product: Student loan

On XXXX, I made a payment of {$2800.00}, and selected the option to apply overpayment to the largest interest rate account, which was account XXXX. This should have paid of account XXXX, but I still saw that the account had a remain balance of {$0.00}. I called Navient to ask them to fix the issue. After fixing the issue, I saw that they changed amount of payment on XXXX from {$2800.00} to {$2700.00}. This is not correctly and I am afraid Navient will only continue to make a mistake to my account. My goal is to pay my student loan off this year, and these errors are causing me to worry about me potentially overpaying for what I actually owe. Could you please help me fix this issue?
Product: Debt collection

XXXX XXXX XXXX calls multiple times a day without identifying themselves through the call ( except once today so I finally got the company name but not the agents ), they never state if the call is being recorded agent just repeats dont hang up multiple times without ever moving on from that phrase, like they want you to hang up. Im not sure what they are trying to do, Ive tried to get past the dont hang up phrase but he never moves on. I feel like they are try to get me to fall into a trap, by using evasive tactics and never really speaking with me. Its making me uncomfortable and Im getting the feeling like Im being verbally abused without vulgar language.