23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This company received my loan application on Sunday XX/XX/XXXX and said today that the application was expired. 

All of the required documents were sent in.

The representative over the phone informed me that nothing was wrong with the application. It just expired. They said that I have an option to reapply in 24 hours.

My bank information was verified, and I signed a 20 payment plan contract with payment dates, payment terms, and autopay.

The loan amount requested for {$2000.00}, was qualified and the contract stated terms and conditions of 20 payment arrangements with 160 % APR.

Although I signed, I did not receive the loan and my application expired. 

Contracts are legally binding documents that do not expire.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}
Product: Mortgage

Mr. Cooper Mortgage Company closed my escrow account on XX/XX/XXXX. On XX/XX/XXXX, I requested a final escrow statement through the date of closing. Mr. Cooper did not provide the requested statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled my annual credit report and found a XXXX debt from a XXXX XXXX XXXX XXXX under my name and old address. 

XX/XX/2020 {$5200.00}
Product: Credit card

If u look at history all payments are good except one.This late payment was lost in mail when I found out I was late I called them and they said no problem they would fix issue. 
Please help Thank You
Product: Checking or savings account

SCAMS YOU VIRTUALLY VIA INTERNET UTILIZING PROMOTIONS MANIPULATING DIRECT DEPOSITS AND HARD EARNED MONEY FROM YOUR PIGGY BANK INTO THEIRS YET HAVING THE MASTER SLAVE COMPLEX FROM THE SIGN OF AGREMENT XX/XX/2021 I SAW A {$100.00} ONLINE INCENTIVE TO OPEN A NEW ACCOUNT WITH BOA. 2 QUALIFYING DIRECT DEPOSITS OF {$250.00} OR MORE WITHIN 90 DAYS. I HAVE HAD DIRECT DEPOSITS OVER THAT AMOUNT, IVE CALLED AND WAS TOLD I WOULD RECEIVE THE {$100.00} IN XXXX OR XXXX. I CALLED LAST NIGHT AND THEY ARE SAYING THAT I WILL NOT RECEIVE THE {$100.00} SIGN ON BONUS BECAUSE I HAVE HAD A PREVOUS BANK ACCOUNT. NO THEY SCAMMED ME OUT OF MY MONEY AND USED THIS ONLINE TRICK TO SCAM ME AND NO TELLING HOW MANY OTHERS LIIKE ME, I COULD HAVE STARTED AN ACCOUNT WITH A MORE CREDIBLE BANK IF I KNEW THEY WAS GOIING TO WAIT 3 MONTHS AFTER I SIGNED AND DONE THE 90 DAYS REQUIRED FOR ME TO GET MY INCENTIVE AND TELL ME IM BOA NOT GOING TO HOLD THEIR SIDE OF THE DEAL, THEY SCAMMED ME I CALL THE BANK AND ALL I HEAR ON HOLD IS PERTAINING OT SCAMMING BUT THEY ARE THE BIGGEST SCAMMERS ... AND IM GOING MAKE SURE ALL OF MY SOCIAL MEDIA KNOW HOW WRONG THEY ARE FOR NOT KEEPING IT XXXX, LITERALLY ... I CANT BEAT THEM BUT I WILL CLOSE NOTIFY EVERYONE I CAN OF HOW THEY USE FINE PRINT TO GO AGAINST PEOPLE WHO GIVE THEM THEIR HARD EARNED MONEY TO BE DENIED FOR LOANS WHEN YOU NEED HELP BUT WE GIVE THEM OUR LIFE SAVINGS AND THEY CANT RETURN THE FAVOR OR EVEN HOLD THIER END OF THE BARGAIN FOR A PROMOTION THEY PROMOTE. ITS LIKE YOU GIVE BOA YOUR MONEY BUT IF ITS AN ISSUE THEY BECOME SIMILIAR TO THE OPPOSING INSURANCE COMPANY WHEN THIS IS SUPPOSED TO BE A POWER THAT WILL BACK YOU WHEN, YOU NEED THIER HELP BUT THEY ARE NOT A LOYAL BANK. AND THE MORE POWERFUL THEY BECOME THE HARDER IT WILL BECOME FOR THE ONES THAT HELPED THEM BY DIRECT DEPOSITS INVESTING THE PEOPLES MONEY NOT GIVING THEY BACK A SINLGLE CENT INSTEAD USING WAYS TO TRAP THEM BY OVERDRAFT AND DESTROYING PEOPLE THAT HAVE MY SKIN TONE ... BOA AUTOMATED SERVICE SAY THEY PREVENT SCAMS NO THEY HAVE MASTERED IT ... ..A DECEPTIVE ORGANIZATION WHO DONT DESERVE TO GET MILLIONS OF PEOPLES MONEY AND MAKE IT 10 TIMES HARDER TO BORROW A SINGLE DIME FROM THEM YET GREET YOU WITH OPEN ARMS TO ACCEPT YOUR MONEY ... YOU, I AND MILLION OF PEOPLE ARE SCAMMED AND PROGRAMMED JUST BY WATCHING A COMMERCIAL OF BOA, THEY GOING INTO THEIR BANK AND OPENING AND ACCOUNT. LET ANYTHING GO WRONG WHERE YOU BENEFIT I GUARANTEE THEY WILL USE FINE PRINT THEN BECOME THE OPPOSING INSURANCE COMPANY WHEN JUST LAST FRIDAY THEY ACCEPTED YOUR WHOLE CHECK..DONT ALLOW BOA TO BECOME RICHER UNLESS YOU THINK BOA WOULD DO THE SAME FOR YOU ....
Product: Mortgage

In XX/XX/2018 my mortgage was sold to a new servicer - Citizens One bank. Shortly after the sale, monthly payment amount went from XXXX to XXXX ( I was unable to get a clear explanation as what the reason for the increase was ). Since I had automatic payments set up with my Bank ( XXXX ), I continued making a monthly payment in the amount of XXXX for two months after the increase took effect. 
Rather than billing me for the difference, Citizens One, who discovered the problem in XX/XX/2018, decided to refund my two monthly payments (!!! ) and then started making threatening calls to me, claiming I was about to default on my mortgage. I had to make an emergency payment of XXXX to make my account even. 
The two payments of XXXX were refunded by ( physically!!! ) mailing 2 separate checks to my home address - each in the amount of XXXX, one on the XXXX and another - on the XX/XX/XXXX. Naturally, one of these checks got lost and despite me calling Citizens One numerous times for a replacement check, none was sent to me. It has been nearly two months and I can not get my money back! 
I find it absolutely outrageous that this kind of unprofessional and borderline fraudulent behavior is tolerated - Citizens One is clearly incapable of providing quality service to its clients and should not be allowed to service consumer loans.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these two accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Youve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status Closed Type Auto Loan Responsibility Joint Remarks ClosedYouve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX I was never late, I skipped payments with XXXX XXXX XXXX They reported XX/XX/XXXX and XX/XX/XXXX after I paid off my car in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

Equifax is allowing XXXX XXXX to illegally report a re-aged charged off account on my credit report. I disputed this information with Equifax credit bureau and they informed me that XXXX XXXX verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an IXXXX XXXX XXXX  # 's XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00}
Product: Debt collection

I received a letter from portfolio recovery associates stating I owed {$2300.00} to  XXXX   XXXX   XXXX  llc. In that letter I was threatened with being sued and wages garnished. To prevent this I set up a payment plan for {$53.00} per month which I pay and have never missed. I cal led 3-4 times recently to see about a settlement, this company will only settle for a % of the remaining balance not the total balance. I offered {$400.00} to be done with this account and was refused, they offered {$640.00} 40 % remaining balance. I do n't see how this is fair collections practice, most collection agencies will settle for 40-60 % of the  amount but they refuse. I settled another account for about half what i owed, I 've already paid them over half current balance {$1000.00} with a pending payment {$53.00}  XXXX .
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ang address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EETA_and Regulation _E These actions
Product: Bank account or service

I attempted to withdraw {$60.00} from a CITI Bank ATM on XXXX/XXXX/15. No money or receipt came out of the machine, but nevertheless my Credit Union account was debited {$60.00}. 

I am trying to resolve my {$60.00} problem with my Credit Union but my concern is that no ATM should be set up to charge an account when no money is dispensed. The functioning of these machines should be examined. I attempted to find someone in CITIBANK to address this but they shunned responsibility, and blamed it on the XXXX store where the machine is located-which is of course ridiculous.
Product: Credit reporting or other personal consumer reports

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to XXXX, XXXX, and Equifax that a thorough reinvestigation into these accounts is imperative. 
Account name : XXXX ACCT # XXXX Account name : XXXX ACCT # XXXX Nevertheless, they affirmed that all aspects were duly fulfilled and precise. Yet, one can not help but wonder how such a feat is possible when crucial details like the commencement date, the date of the latest activity, and numerous other factors are blatantly incorrect. As per the provisions outlined in 15 USC 1681 ( 5 ), it is incumbent upon them to rectify any accounts that are erroneously reported.

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 an 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.

I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I believe XX/XX/XXXX I disputed the status of my auto account with XXXX XXXX through them ans through Experian and XXXX  Credit Bureaus. XXXX had my account for my vehicle listed as a charge off account, but they were receiving payments through the bankruptcy trustee of Nevada during XX/XX/XXXX. I had the bankruptcy dismissed due to other issues with the bankruptcy overall, on XX/XX/XXXX. According to the law, the accounts are to return to the status they were in prior to the bankruptcy being dismissed. I challenged this with XXXX several times, and finally the account was updated on XX/XX/XXXX to past due 30 days. The charge off was removed from my credit report through experian and transunion, and was finally correct. However as of XX/XX/XXXX, XXXX has fradulently updated my credit report through experian and XXXX  to a charge off status again. I am paying on the vehicle and the vehicle is in my possession, and has never been repossessed or returned to XXXX. They have now caused my report through experian and XXXX  to reflect inaccurately, and they need to update and correct the information immediately. They need to reflect the accurate information and I have proof of the credit reports and payments they received from the Bankruptcy court of Nevada.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor CITICARDS CBNA XXXX XXXX XXXX violated my rights to privacy. Under USC 1681 Sec. 602 states I have the right to privacy. 15 USC 1681 Sec. 604a. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under USC 1666b. a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I am in the process of trying to refinance an existing car loan on a car purchased from Carmax, Financed through Carmax Auto Finance. The purchase of the car included an extended service warranty provided by Carmax through their 3rd party warranty provider XXXX XXXX XXXX. 

I inquired through Carmax 's call center if refinancing away from Carmax Auto Finance would void said warranty. One associate confirmed it would void the warranty and another stated it would not. Given that situation, I feel it is reasonable and prudent to confirm, in writing, whether refinancing will void my warranty or not. It should not void the warranty as I believe that would be in violation of anti tying regulations. 

I then emailed the exact message below to Carmax, they refused to respond in writing citing it was against the law to respond to a customer in writing and they dont have the ability to do so. ( I spoke to associate at approximately XXXX on XX/XX/XXXX @ XXXX XXXX XXXX - she confirmed an email response was not possible. I can provide specific name and extension if absolutely required. Would prefer not to directly implicate any specific associates who may be unfairly treated internally. ) Please see the email below which was sent to Carmax on XX/XX/XXXX, they've refused to provide a response in writing. 

____ Hi Carmax- Good Afternoon I have an existing Carmax loan ( Contract # XXXX, Date of Sale XX/XX/XXXX ) which I am considering refinancing. 

Before I refinance my loan, I want to confirm that refinancing will not impact my XXXX XXXX XXXX executed under Customer No. XXXX, Contract # XXXX, purchased on XX/XX/XXXX. 

Please confirm that this XXXX XXXX Contract will not be voided or otherwise impacted by the refinancing of my loan. 

In your response, please confirm that you are authorized to provide this information taking into account the loan is offered through Carmax Auto Finance and the Warranty is offered through XXXX XXXX XXXX. Should mechanical issues arise, I don't want to be put in a situation where one entity is disclaiming liability because another third party should have been involved in confirming impact to the warranty. If those entities need to be party to this information or decision, I would ask that appropriate steps be taken to include them. 

Thanks and regards, XXXX XXXX The remedy I am seeking through the CFPB is to have Carmax address my request in writing for my records given incorrect information was provided verbally by their call center ( initially ). I feel it is reasonable and prudent for me to receive confirmation ( in writing ) of impact to my warranty as a result of my choice to obtain more favorable financing terms away from Carmax Auto Finance.
Product: Debt collection

I have received several phone calls from Credence Resource Management ( Credence ) .Trying to collect a debt that I do not owe and is not mine. I have informed them of this and that I'm on the national do not call registary and asked them to stop calling me. They have a robo-dialer that changes the last two digites of their phone number so it gets past my block.. They are in violation of The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I have requested for the companies to remove/delete a bankruptcy that is erroneous. I also requested for the company to provide detailed information on the process that they verify these types of accounts because its an error. The company has not deleted/ removed this from my report causing me a lot of financial damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XXXX day of XX/XX/2018.