23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute Letter Regarding Collection Agencys Violation of Consumer Rights Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute the actions of [ Consumer Adjustment CO account number XXXX ], which I believe to be in violation of my rights as a consumer under federal law. Specifically, [ Consumer Adjustment CO account number XXXX ] has not adhered to the requirements set forth in 12 CFR 1006 ( Regulation F ) and 15 USC 1681 ( Fair Credit Reporting Act ). I request your assistance in addressing the following violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ Collection Agencys Name ] has not provided validation information regarding the alleged debt, as required by law. Despite this, they have reported this account to consumer reporting agencies, adversely affecting my credit.

2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I have not been given the legally mandated opportunity to dispute this account. The agencys actions deprive me of my right to challenge the validity of the debt and are therefore non-compliant with Regulation F. 
XXXX. False and Misleading Practices ( 12 CFR 1006.34 ( d ) ) : By furnishing this account to consumer reporting agencies without providing the necessary disclosures and validation, [ Consumer Adjustment CO account number XXXX ] is engaging in deceptive, misleading, and misrepresentative practices. These actions are in direct violation of the rules governing fair debt collection. 
XXXX. Violation of Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ) : [ Consumer Adjustment CO account number XXXX ] has no authority to furnish information to consumer reporting agencies without first meeting all disclosure requirements outlined by federal law. Their failure to comply is a clear breach of the Fair Credit Reporting Act, specifically Section 1681s-2 ( a ). 

These actions by [ Consumer Adjustment CO account number XXXX ] have caused undue harm to my credit profile and personal finances. I kindly request that the CFPB investigate this matter and take appropriate action to enforce compliance with federal laws. 

I also ask that you ensure [ Consumer Adjustment CO account number XXXX ] provides full validation of the alleged debt, removes the unauthorized collection entry from my consumer report, and ceases any further reporting until they meet their legal obligations. 

Enclosed, I have attached copies of relevant documentation to support my claim, including my consumer report and correspondence with [ Collection Agencys Name ] ( if applicable ).

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX ] for any further information. 

Sincerely, XXXX XXXX XXXX.
Product: Vehicle loan or lease

Wells Fargo provided me with my original disclosures as a result of my previous complaint. Nowhere on what was sent over does it indicate how to enter into XXXX with Wells Fargo, only with the original holder, XXXX XXXX. Im looking to enter into XXXX to prove the securities fraud being committed
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have a investment property at XXXX XXXX XXXX XXXX Tx. XXXX. Due to Covid 19, I could not find a tenant for my property and could not afford to pay for mortgage so I asked JP Chase Morgan to do a loan modification to a lower amount in XX/XX/XXXX. 

During the process, I was prompt to provide all the requested document to Chase. As the process took a very long time, I was worrying and ask my relationship manager, XXXX XXXX, if I will be protected. He ensured me that I would be protected for foreclosed. 

Moving forward on XX/XX/XXXX, I am informed that I got reported for a 6 month late in mortgage for the subject property. My credit was plummet XXXX points. 

I have contacted Chase numerous times and they reject responsibility. I request to talk to XXXX but he has been on vacation. 

On XX/XX/XXXX, I am informed that my modification is denied and I am forced to foreclose the house or have to pay a lump sump of {$44000.00}. I would not need assistance if I have the said amount. They also took away the deferred payment option. 

If they will reject my loan modification please do it quick so that I can come up with mean to pay. 

And if you expect a consumer to read between the line to know that during the loan modification you will report the late in payment to the credit Bureaus, please explicitly said so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.
Product: Vehicle loan or lease

I vehicle was repossessed and sold by Santander Consumer USA. The difference from the sell of the vehicle and my finance charge has been added to my credit report as an unpaid debt. Santander Consumer USA didn't disclosed several key factors involved in our contract. From explaining conscise and conspicuously what my finance charge was, how my APR was calculated and that security interest secured all obligations. These are clear violations of our contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/2020 there was an inquiry made by Ally Financial on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

on the date of XX/XX/2020 I received and inquiry from XXXX on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

On the date of XX/XX/2020 i received an inquiry on my credit report from XXXX XXXX XXXX XXXX that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.
Product: Debt collection

The Mr.Cooper loan collection company has been mailing my law office bills for a former client that is now deceased. I've called the loan collection company multiple times and explained to them that this is no longer my client, and that he is now deceased, but they continue to send all of his bills to my office. The latest bill is in the amount of {$13000.00} and is dated XX/XX/2021.
Product: Debt collection

XXXX XXXX, 2017 ATTENTION : FINANCIAL CONSUMER PROTECTION BUREAU First Associates U.S. Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : [ ACCT # XXXX ] ATTN : First Associates U.S Education Loan Servicing department LOAN DISCHARGE APPLICATION : SCHOOL CLOSURE XXXX : XXXX XXXX XXXX OF XXXX, TN Dear FIRST ASSOCIATES & FCPB, First and foremost, I would like to bring attention to an interaction on XX/XX/XXXX where a concern was placed regarding potential forgiveness on the aforementioned account. I was met with a very unprofessional response from XXXX who told me, You can let it go to collections if you want. Whether you pay this or not, it is business as usual. This was an unnecessary comment. Not only have I been paying my minimum, I have been paying more than the minimum on my loan for over a year. I have never been late on a payment. 
Secondly, I have been subject to a chain of predatory student lending. XXXX XXXX set up a business plan that pressured students into taking out high-cost private loans. Their method was to use in-house credit to meet gaps between the cost of tuition and the maximum federal student loan disbursement. 
In conjunction with unsatisfactory education, educators, equipment, and communication, I am requesting full acquittal of the account. 

Education was poor quality and was limited to partial demonstration of real world application. 
The educators were not equipped to teach the classes they were teaching for in majority cases. 
Equipment was outdated, running on older systems, including the need to save files to previous versions so compatibility issues did not occur. 
The institution promised a continuing education in game design upon completion of the XXXX XXXX program. Less than one month prior to the completion of the XXXX program, I was informed the school was no longer continuing that academic direction and dropped the classes they prepared me for. There were no alternative options provided to me for that academic plan of study.
Product: Credit reporting or other personal consumer reports

I visited XXXX XXXX XXXX XXXX in XXXX, VA for my XXXX  daughter. They said she had no copay but asked that I put a card on file just in case. XXXX XXXX  gets medicaid so they have no copay and are covered 100 %. Three months later they charged my Bank of America credit card {$10.00}. I never received a bill or notice, so it was reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date from the original lender XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding deletion of the following account XXXX XXXX XXXX account Acct # XXXX. In communication the agency agreed to not having the documents required in UCC Article 9. Notice of Sale nor assignment. Claiming a false balance. Form of notice and Failed to obtain the proper documentation during investigation. The company failure to reinvestigation and decides to ignore the evidence of violation UCC Article 9 gives me the ability to recover damages pursuant to under Section 1681n of the FCRA, I may pursue legal remedies, including seeking damages for any willful noncompliance with the statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO XX/XX/2023 Unrecognized credit inquiry. Misuse of credit report.
Product: Credit reporting

Within days of selling my house and moving out, I suffered identify theft. I am a XXXX customer but it seems someone tried to open a XXXX and XXXX account using my social security number. XXXX cleared up the matter after one phone call. However, with XXXX and TransUnion, despite 6 phone calls, having given my SSN to 8 people, and one face-to-face visit, I have been unable to have the XXXX hard credit inquiry removed from my TransUnion credit report. 

The hard credit inquiry from XXXX occurred on XXXX XXXX, 2016. When I received the credit denied due to inability to verify information, I wrote a letter to XXXX letting them know it was unauthorized, and if by mistake, asking them to provide me proof of authorization. I never received a reply. 

A few weeks later, I learned that on XXXX XXXX ( two days after we moved out ), the unauthorized person DID open an account with XXXX and incurred debts of over {$3000.00}. XXXX provided me with an exoneration letter ( attached ), cancelled the debt, and removed the hard inquiry from my credit report. 

Unfortunately, despite contacting TransUnion and XXXX many times, I am unable to have the XXXX hard inquiry removed. I called XXXX at Transunion on XXXX XXXX who asked for my SSN and then told me to request a deletion letter for case XXXX from XXXX. I called the XXXX phone number she provided me ( XXXX ), provided my SSN, and she told me someone from XXXX would call me within 3 days. As I did not receive a call, I called XXXX again on XXXX XXXX. After giving my SSN, XXXX told me she 'd resolve the issue, but I needed to go into a store and show proof of identification. I went to the XXXX, DE XXXX store and talked to XXXX XXXX who did not know what to do. He called a secret number, the fraud department, and spoke to XXXX. After providing him my SSN backwards ( since I was in public ) he confirmed my social security number had been flagged. He told me to call the Solutions department ( XXXX ) the next day. I called them, spoke to XXXX, who told me to dispute it with TransUnion ( who had told me to call XXXX ). He said he could do nothing because my SSN did n't pull up any account. He patched me into a supervisor who put me on hold to check on things. It then got transferred to XXXX who also could not find anything on my SSN, but he gave me another number to call ( XXXX ). That number said it was the fraud department. But when I pushed " XXXX '', it went to XXXX who said she was not the fraud department and could not pull anything up. She recommended I dispute it with TransUnion ( who told me to contact XXXX ) and recommended I go back to the store. 

Needless to say, I 'm unable to get XXXX to remove the inquiry, and TransUnion will not remove it unless told to by XXXX. I request help from the Consumer Financial Protection Bureau with removing the XXXX credit inquiry from my TransUnion credit report. I have provided the letter from XXXX exonerating me, showing I was a victim of identify theft at that time, but can not get such a letter from XXXX.
Product: Debt collection

Dear Bridgecrest, I am writing in regards to a closed account of mine that is still showing up on my credit report. According to the Fair Credit Reporting Act, 15 U.S. Code 1681c, accounts should not remain on a credit report for longer than seven years after being closed. This account has been closed for more than seven years and I am requesting that it be removed from my credit report. 

I am also requesting that all past reporting on this account be removed from my credit report to ensure that all of the information is accurate and up to date. As per the Fair Credit Reporting Act, 15 U.S. Code 1681i, consumers have the right to dispute inaccurate information on their credit reports. As this information is past the seven year reporting limit, I am requesting that it be removed.

I am aware that you have 30 days to respond to my request and I would be grateful if you could act as soon as possible. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on XXXX XXXX about a debt that was paid in full on XX/XX/2022. It was a debt for a check loan place called Check n Go and the amount was for {$310.00}. I paid it in full. It still is showing up on my credit report. I put in a dispute and they still have not made the adjustment to my credit score. Says it's been reviewed, but they are not making a change to it. I have the proof that it has been paid off, but I'm not getting any help with getting it off my credit or to at least show that it's been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my XXXX  and Equifax credit files by XXXX XXXX so I drafted up a letter and mailed it to XXXX XXXX via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because XXXX XXXX refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word "Refused XX/XX/XXXX" written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to XXXX XXXX deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violates 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 deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Hi, I have received a cash advance offer from Bank of America for 18 months with 0 % interest with 4 % advance fee. So I took advantage of this offer and call the bank, I asked them how much I can borrow without affecting my credit score? Their answer was I can borrow up to the full amount without mentioning the effect on my credit score. So I borrowed 90 % or {$40000.00}. and I paid {$1600.00}. fee. I noticed my credit score was dropping since then. Although it was my decision to borrow based on their offer but I believe the banks should inform their clients that borrowing money may affect their credit, or to get advice from credit bureaus before borrowing. 
Now to regain my credit score I have to pay back the bank which it cost me {$1600.00} for 4 months instead of 18 months. I requested to pay back their money and they reduce their fee but they have rejected that. ( B of A case # XXXX ) I consider this offers as a public fraud since this sales only based on their sales without considering if that has a negative effect to their client 's financial. This is the same thing they have done on refinance houses prior to 2008.
Product: Credit reporting or other personal consumer reports

Somebody hacked into my credit karma information and changed the email and password on the account. I received an email notification letting me know that it was changed I immediately let credit karma know that it was done fraudulently and advise them that I was still able to access the credit karma account with my fingerprint on my phone but could not update the email. credit karma responded to my concerns and then immediately closed my service ticket with them and told me that they could not help me because my email that I was using to submit the issue was not the original email used to open the credit karma account. I explained to them that my email XXXX and XXXX are one and the same XXXX converted my XXXX  to XXXX back in XXXX but they are the same account. I am not able to send an outgoing email showing the old format however I advised that if they sent an email to the old format XXXX XXXXXXXX I would get it and could respond to that email chain if they wanted to verify it was me. All three attempts were closed for that one simple fact even after sending my SSN passport ID and bill showing my address as they requested. They have no phone number for me to actually talk to someone and keep closing my issue tickets with the same copy paste response. How can a fraud be this easy to get away with but impossible to resolve because the company has no way to escalate the issue and give generic answers.
Product: Debt collection

Recieved multiple calls within 7 days and mail correspondence. Calls are as follows : XX/XX/XXXX - XXXX incoming call no response when I answered. Called right back and same debt collection company. Spoke with a supervisor advising I already spoke to someone today and Im already getting another call an hour later? 

XX/XX/XXXX - XXXX I reached out advising of the multiple calls and confirmed my name and info. 

XX/XX/XXXX - XXXX incoming call and hung up. 

XX/XX/XXXX - XXXX incoming call and hung up XX/XX/XXXX - XXXX called back and was same company. 

XX/XX/XXXX - XXXX incoming call and hung up. 
XX/XX/XXXX - XXXX called back and was same company.
Product: Credit reporting or other personal consumer reports

This is In regards to the XXXX  XXXX response that was received. XXXX XXXX pretty much stalled when they sent out a letter and response supposedly wanting to verify it was me doing the dispute when they knew it was me doing the dispute because I called prior and spoke about the information being on my credit report and how it was wrong and misleading ( I have the conversation recorded ) this was prior to me even submitting a cfpb report which they can check here logs and see I called and they sent a letter stating how they were still going to report the account charge off monthly. This is googled information and a fcra law about misleading reporting. Misleading is multiple charge off reporting! Charge off are only done ONCE they do not report monthly at all. it reports the date it charged off and that still in charge off status since date of charge off NOT each month should not identify as a charge off. The second account was sold to a collection agency I already have that handed with them. The account starting XXXX this account is reporting the multiple charge off and late payments. So since you're listing what you're suppose to do you're also suppose to follow the fcra laws that apply tp this account and you're not. Per FCRA 15 USC 1681 A ( 2 ) ( A ) ( i ) -Exclusions- transactions are not included on the credit report. LATE PAYMENTS ARE A FORM OF A TRANSACTION. With late payments reporting to the credit report this is a direct violation of the FAIR CREDIT REPORTING ACT. 15 USC 1681 SECTION 604 A SECTION 2- Stated a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. As shown you are doing exactly just that.I disputed multiple times to experian for XXXX  XXXX which are the ones you received. In your response you stated " XXXX XXXX reports the account 's credit data to the credit bureaus and the credit bureaus decide how to use the information reported to them and each may use the information differently. XXXX XXXX has no control over what the CRAs do and do not report. '' You have to report correct information and when I spoke with experian they always say to contact you because when I dispute they send it to you and you verify that what they are reporting is correct even though its not!
Product: Debt collection

The debt with Ability Recovery Service was open in XXXX. I filed three credit disputes via XXXX  on XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX. At the second dispute, the creditor agreed to closed the account and dropped it off of my credit report for 2 months. In XX/XX/XXXX, when I checked my report, and it reappear for a more recent date of XX/XX/XXXX causing my score to drop. According to the Fair Credit Reporting Act, this act is illegal and I can file a suit, especially since it is affecting my ability to buy my children and I a house.