23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

honda financial services is trying to illegally collect a auto deficiency balance from a repo in XXXX i purchased a XXXX XXXX XXXX XXXX from honda in XXXX  XXXX florida XXXX the car was repossessed on XX/XX/XXXX XXXX the car was sold to a private auction on XX/XX/XXXX, a final billing ledger was sent out to me on XX/XX/XXXX addressing the amount the car was sold for and the remaining balance that was owed on my behalf which is considered to be the deficiency. i contacted honda serval times to dispute this and received the same information constantly. this information is also inaccurately reported on my credit reports damaging my credit score. after conducting the proper research in the state of florida a finance company or lien holder can not collect or sue for a deficiency balance if they don't properly provide all of the remedies for the borrower to reinstate the loan or buy the car back. fl statue 537.012 repossessions, disposals of pledged property ; excess proceeds states that : taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. 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 called honda financial services on XX/XX/XXXX and spoke with a representative named XXXX at XXXX XXXX XXXX time. i inquired with XXXX XXXX if honda financial services sent out the proper notifications prior to the sale being conducted. XXXX XXXX responded " no, the state of florida laws says that we don't have to ''. our conversation took place on a recorded line. i am requesting that honda financial services remove this negative listing from all three credit reporting agencies immediately due to its inaccuracies and illegal claims per florida statue 537.012
Product: Credit reporting

There is a strange name associated with my Transunion credit report. The name " XXXX XXXX XXXX '' is unknown to me.
Product: Payday loan, title loan, or personal loan

I applied for a {$300.00} loan on XX/XX/XXXX. I was sent a payment schedule to pay off the amount. However, my payment due was over {$1000.00}. I had no idea that my balance would be that much. I only recall making one payment because I was in between jobs. On Thursday XX/XX/XXXX I spoke to XXXX XXXX  who told me that my remaining balance is now in her hands, She told me that I would have to pay a balance of {$700.00}, I told her that I don't have the money to pay and I wouldn't have it for another week but I just lost my job. I am not able to pay the entire {$700.00}. I can only afford to pay the amount of {$300.00} which is the amount that I borrowed and they are not trying to work with me at understanding my financial hardship. This company has several complaints against them through the XXXX XXXX XXXX.
Product: Debt collection

On three different occasions I tried asking Capital Accounts for proof I owe this debt. I've asked them to verify and validate the debt they say I owe with a contract that has my signature and they continue to only send me a itemized bill in return. They are being deceptive by claiming I have asked for an itemized bill when they no that's not true. They are also raising the initial debt every other month in interest fees. I asked them to provide any XXXX forms that I signed, treatments I received or anything that might connect me to this debt and they still haven't.
Product: Mortgage

In XXXX, in Ohio, I had stopped receiving my billing statements. In XXXX of that year I called Select Portfolio Servicing ( XXXX XXXX ), to inquire why. On the phone they told me they did not have the XXXX. I asked where it was, or who they transferred it to, and they said they had no record of either. That said, the next day I went to XXXX XXXX auditors office to search for my XXXX holder. They found that my property was listed as warranty deed. So since XXXX of XXXX, I have paid insurance and taxes on my home, and had never gotten any notification of default even up to the present day. I received no mail, no calls, no email, nothing. In XXXX of XXXX, I hired a title search to find my XXXX. They said the only thing found they was XXXX XXXX. To this I have never gotten anything from XXXX XXXX pertaining to a mortgage. So that search basically came up empty at my expense. Fast forward to present, I tried to sell my home in XXXX. It took several weeks for the search to find anything. Then they said who is XXXX XXXX XXXX. Upon the question I answered the above of info. The gave an account number and a phone number. I called the for XXXX, and the couldn't identify me through name, social, or even the lien number. 3 days later they called and said I owe them {$85000.00} and some change. After that call they called my several times. If I answered, no one was there, and it hung up. If I didn't answer they left a voicemail with a number to call. When I called the number, all I got was a rapid busy tone. Yesterday I thought I would try it again. This time I got an answering service with prompts. Again my name, social, and XXXX number are still not recognized. After living in my home, paying insurance and taxes for XXXX  years, and having no XXXX contact for foreclosure or delinquency, how am I to handle this. How do I obtain my warranty deed, as it is still currently stated on XXXX XXXX auditors site? XXXX has XXXX month foreclosure statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted affirm to get them to help me log into my account SO I CAN PAY MY BILL AND KEEP MY CREDIT RATING IN GOOD STANDING,,,,, PLEASE HELP ME,,, I CALLED THEM AND YOU CAN SEE IN THE FILE THAT I UP LOADED TO YOU,,, I CALLED THEM AND STILL CAN NOT LOG IN TO MY ACCOUNT
Product: Debt collection

XXXX and XXXX had an account in collection from Fox collection for {$84.00} which was prior to my bankruptcy. I filed disputes with both credit bureaus. XXXX removed the account as they should. XXXX refuses to remove it, even after notifying them that Fox Collection does n't have and has not even reporting this account to them since my bankruptcy! They will not remove it, I do n't feel I should be forced to either pay it to get it removed or get a lawyer. XXXX has been messing up my credit since my bankruptcy, which I 've tried very hard to improve my credit and what 's crazy is that XXXX  even shows my bankruptcy on my report! I 'm so frustrated, please help me with this. Thank you for your help!
Product: Credit card

Complaint Summary : I am filing a complaint regarding improper late fees and interest charges applied to my account after I paid my balance in full. 

Details of the Issue : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I paid off my account balance in full on XX/XX/XXXX, with a payment of {$95.00}. However, despite my account being at XXXX, I was still charged late fees and minimum interest charges in the following months : Late Fees : {$3.00} ( XX/XX/XXXX ), {$3.00} ( XX/XX/XXXX ), {$9.00} ( XX/XX/XXXX ), {$21.00} ( XX/XX/XXXX ) Interest Charges : {$3.00} ( XX/XX/XXXX ), {$3.00} ( XX/XX/XXXX ), {$3.00} ( XX/XX/XXXX ), {$3.00} ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX Customer Support ( escalated to XXXX - XXXX ) to dispute these charges, as my balance was already paid off. However, they refused to resolve the issue. 

I believe these fees were applied incorrectly, potentially due to residual interest, but I should not have been penalized with late fees. 

Desired Resolution : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I request that all improper late fees and interest charges be removed from my account, and that the creditor provide a clear explanation of why they continued to charge me after my balance was fully paid. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --- Thank you for your help in this matter
Product: Mortgage

This bank is horrible..I submit my homestead information two months ago spoke to one representative that told me my payments will reduce but never did than another representative told me I had to resubmit everything..this is horrible and my payments are still the same..not pleased at all..
Product: Prepaid card

On XX/XX/2023 I ordered some home decor and outdoor decor from a merchant online and paid with my cash app card. The first red flag was the cash app name was different than the business name which I purchased the merchandise. The following is what Cash App sent me on XX/XX/2023 when I reported that I never received any merchandise and could not get in touch with the seller. 
'We reviewed your dispute with XXXX  XXXXXXXX XXXX for {$59.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute. So I disputed again because I still have not received the merchandise I purchased. I was able to find multiple reviews online showing this merchant as a scam business, so I reached back out to the Cash app on XX/XX/2023 and they responded today via email with an attached document that I uploaded showing the charge made but still disputed.
Product: Payday loan, title loan, personal loan, or advance loan

I have tried to pay off the loan but went through a lot from my XXXX  passing away due to XXXX. I have not been able to pay off the with that being the debt collectors keep after me but according to 15USC 1692 I am implying that this pay XXXX XXXX XXXX and The Check Cashing store should'nt be after me and this should be removed from all of my credit directed from all three of the main credit establishments including but not limited to XXXX, XXXX, and XXXX.
Product: Student loan

I worked full time in 2 nonprofit XXXX agencies from XXXX XXXX XX/XX/XXXX. I began paying on my student loans in XX/XX/XXXX. In XX/XX/XXXX, I was experiencing financial hardship due to an unexpected divorce. I contacted XXXX XXXX/navient in an effort to reduce my payment and was informed forbearance was my only option. I was not offered an income based repayment option. 

I began paying again on my loans in XX/XX/XXXX, when I also consolidated to an eligible PSLF loan with an eligible IBR payment plan and have not missed a payment since. Due to being advised to put my loans in forbearance for 5 years, those years are ineligible for PSLF forgiveness. If I had been offered a reduced payment based on my income, those years would have counted.
Product: Checking or savings account

My account was closed after I deposited two checks on XX/XX/2023. I got the two checks from auto dealership because I sold two cars. Chase said they will mail me the cashier check at XX/XX/2023. But they did not ship out yet. The amount are XXXX buck. I need the fund to pay my house payment and my credit card. All my money is in this bank. If I can NOT get that money, My house Payment will be late pay. If I still no pay the house payment, My home will be auction. I have XXXX kids. They are XXXX and XXXX years old. I do not want my kids to be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the improper use of my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. 

Section 607 ( a ) of the FCRA states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I have reason to believe that the information contained in my credit report is inaccurate, and I request that it be investigated and corrected immediately. 

Furthermore, Section 611 of the FCRA requires that " any person who knowingly and wilfully obtains a consumer report under false pretenses shall be fined under title XXXX, United States XXXX, XXXX  for not more than XXXX years, or both. '' I believe that my credit report was obtained without my consent or authorization, and I request that the individual or entity responsible be held accountable for their actions. Additionally, I had identity theft due to XXXX XXXX XXXX I request that you take immediate action to investigate this matter and provide me with a copy of my credit report as soon as possible. Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

Every time I ask for a payoff amount I am giving a different amount. The fees are ridiculous here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX I am including it againXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  DC, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SYNCB/SAM 'S CLUB XXXXXXXX XXXX XXXX XXXX, GA XXXX RE : DISPUTE OF CREDIT INQUIRIES- XXXX XXXX XXXX  Dear XXXX XXXX SYNCB/SAM 'S CLUB & XXXX XXXX This correspondence serves as an official request under Section 1681i of the Fair Credit Reporting Act ( FCRA ), Title 15, U.S. Code, and Section 2701 of the Electronic Communications Privacy Act ( ECPA ) regarding disputes related to credit inquiries made by XXXXXXXX XXXX SYNCB/SAM 'S CLUB & XXXX on XXXX XXXX XXXX XXXX credit report XXXX We would like to bring to your attention multiple hard and soft inquiries. The USC Code that relates to fraudulent inquiries is Title 15, Chapter 95, Subchapter VI, Section, Section 1681s ( c ) of the Fair Credit Reporting Act, which states that a consumer reporting agency shall not furnish information about to any person if the consumer 's file contains any statement that such person has not furnished the information to the consumer 's knowledge and consent. Additionally, the UCC prohibits any person from knowingly and willfully obtaining or using false or misleading information for any fraudulent purpose. So, in summary, we request you to investigate any suspected fraudulent inquiries made on XXXX XXXXXXXX XXXX credit report and take appropriate action against the parties responsible. Also, ensure that all inaccurate and fraudulent information is removed from his credit report and that appropriate steps are taken to prevent such occurrences in the future. Thank you for your prompt attention to this matter. 

List of inquiries that needs to be removed : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX UPDATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX SYNCB/SAM 'S CLUB XX/XX/XXXX PRIVACY LAW OF 1974 States that The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Dear XXXX Milestone Credit Services, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that XXXX Milestone Credit Services has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX Milestone Credit Services to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX Milestone Credit Services immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX Milestone Credit Services will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries 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 Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

I was given extension or payment relief by XXXX for two months XX/XX/XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XX/XX/XXXX and XX/XX/XXXX beside relief XXXX XXXX XXXX charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XX/XX/XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have two sons one wife family to look after but they playing with me continuously now I am filling complain against these two XXXX XXXX XXXX and XXXX  XXXX and Equifax I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them