23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an Auto Loan with Santander Consumer USA on a brand new off the lot XXXX XXXX XXXX. My car broke down ( timing belt popped ) and I did a voluntary repo. Well they put on my credit as a charge off in XXXX of XXXX well fast forward and it appears that Santander is involved in a lawsuit in several states. Georgia is one of those states and I reside in Georgia, which my vehicle will be apart of at the suit ranges from XXXX XXXX, for giving out extremely high interest rates to buyers that were basically vulnerable. I was a first time buyer never shouldve had an interest rate that high. The lawsuit states that Santander knew that the customers would barely even be able to afford the loan due to the high interest rates. So I want it removed off my credit. Santander never even sent me anymore correspondence about the auto loan or anything. I know they came and got my car but didnt say what to do next. They constantly called and harassed me week after week. I lost my job and it was extremely hard to keep up with the car note. And even looking at the balance it never seemed like it was going down. It was always high giving me the impression that no matter how much I caught up my car note I was never truly going to pay that car off. So this lawsuit will be a much appreciated relief. No one ever wanted to refinance my car loan nothing. I was stuck. This lawsuit proves just how negligent and manipulative Santander really was to its customers and much they preyed on the weak. So I want it off my report final.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year>, stating that the reporting agency was reporting incorrect information on my credit report and need it removed.
Product: Credit reporting or other personal consumer reports

Clarity is a credit bureau that obtains and resells consumer credit report information without consent. They acquired my credit information from Experian and resold it within the past 90 days. When I checked my Clarity credit report online with reference number XXXX on XX/XX/2024, I was surprised to see that the " Inquiries Viewed By Others '' section had XXXX outdated and old inquiries. Furthermore, I found that XXXX out of the XXXX inquiries were duplicates, as XXXX XXXX had reported twice with the same date of inquiry, and the XXXX XXXX XXXX XXXX was also reported twice with the same date of inquiry.
Product: Mortgage

My hardship began in XX/XX/XXXX when I purchased my first home from XXXX XXXX XXXX. I was put into a subprime mortgage and as well as my neighbors in the development named XXXX XXXX in XXXX, Virginia. For the first 2 years I paid my mortgage with no issues but as the XXXX XXXX XXXX took its toll I tried to get a loan modification with no success from XXXX back in XXXX and I didnt know that they were under investigation for mortgage fraud by the US Government. Eventually XXXX XXXX XXXX was purchased by XXXX  XXXX XXXX so I was told by XXXX that I would have to submit new paperwork in order for them to process my loan modification and I did in XXXX and just like with XXXX before nothing happened. I then wrote a letter to my XXXX XXXX XXXX at the time for assistance with the matter and that pushed the ball somewhat but alas to no avail. Then when the National Mortgage Settlement occurred that XXXX XXXX XXXX was a Party to I couldnt get any relief from that because my mortgage is not backed by XXXX or XXXX. XXXX XXXX XXXX served both as my Mortgage Servicer and lender of my mortgage so I couldnt take advantage of any relief from the National Mortgage Settlement Lawsuit nor from HAMP, HARP, or other US Government backed programs because my mortgage isnt backed by XXXX or XXXX. I am paying 80 % of my income to my mortgage and I have tried over the decade to get relief but every corner I turn I was faced with roadblocks and hindrances from XXXX  XXXX XXXX. XXXX and thus XXXX XXXX XXXX KNEW I was in a subprime mortgage and they did nothing to help me but stall me to no end. I went through the arduous task of getting a Forensic Audit on my mortgage which showed huge gaps and illegalities. I am in a position where I can not afford legal counsel to go after XXXX XXXX XXXX well now SPServicing who is the current holder of my mortgage as of XX/XX/XXXX. I am a XXXX service-connected Veteran and I can't get any relief from this mortgage even from the VA and I can't even use my VA Home Loan benefits to get me from under this oppressive mortgage. This mortgage is FRAUD through and through and I am in desperate need of help. I am seeking complete mortgage relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under aXXXX open end consumer credit plan as late for any purpose.

XXXX XXXX
Product: Checking or savings account

The identity theft started in XX/XX/2022. The person opened a checking account and obtained a unsecure loan of about {$50000.00} in my name. There were other fraudulent bank and credit accounts that were opened. Those banks have agreed it was fraud. Navy Federal Credit Union is the only bank left that is claiming that it is not fraud. I have filed a fraud form with Navy Federal Credit Union. They denied the fraud claim. I then filed an appeal. Navy Federal Credit Union denied the fraud claim again. I stated to them that I did not create the account and I did not serve in the military. To be part of the the Navy Federal Credit Union requires that someone serve. I have filed and submitted a FTC report and police report to Navy Federal Credit Union. I have engaged a law office to help assist in this matter because it is still not resolved.
Product: Credit card

I went to a Chase Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, on XX/XX/year>. I went to the branch to cash a check issued by Chase, and to make a payment on my Chase auto loan and Chase credit card. After providing my valid driver 's license to a female teller, she said the bank made a decision to not do business with me for life and I'm banned from their branch. This teller prohibited me from making a payment to my auto loan and credit card. This was egregious. Under the Dodd-Frank Act, it is unlawful for a provider of consumer financial products or services to engage in any unfair, deceptive, or abusive acts or practices ( UDAAP ) .See 12 U.S.C. 5531 ( a ) ; 5536 ( a ) ( 1 ) .Chase bank is in violation of certain consumer laws. I never used any profanity or made any threats of violence. I have been paying my Chase credit cards and auto loan for years and never had a 30 day late payment and I have always paid on time as agreed. I seek to hold Chase bank accountable for their wrongdoing.
Product: Debt collection

On XX/XX/XXXX, I received a text message, and an email from Resurgent XXXX XXXXXXXX office after I have sent them over to cease communication. Pursuant to 15 USC 1692 if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On XX/XX/XXXX, Resurgent XXXXXXXX XXXX received my request and acknowledge it by saying that they would cease all communication ( EXHIBIT A-B ). However, this has not happened, and this company has further violated my rights as a consumer.

By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation. Pursuant to 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

I have attached an invoice with this notice. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Product: Debt collection

This debt is originated through leasing company XXXX XXXX XXXX XXXX XXXX. They explained the debt was sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and they advised my file # associated has outsourced this debt on a repeated basis and I continue to dispute this debt. 

I take pride in paying my bills and when I go the extreme levels as I have already exhausted to validate the debt within the 30 day timeframe from the initial demand letter I received from the original creditor ( s ), I can only expect a response from the creditor of my request which brings me even closer to my complaint about Nelson & Crews Associates, who represents themselves in directly as a law firm by telling its debtors that the account is in process and when ask what do you mean in process, they violate the UDAAP big time by stumbling and making up words to give false misleading statements and creating the perception that they have process a claim for law suit. In XXXX I advised this agency that hung up in my face on repeated occasions and after several attempts provided me their address information to send a complaint to their company of their harassing tactics and file a dispute this debt. 

XXXX rates this agency as a D+ and I truly understand why. My attorney is XXXX XXXX XXXX and Im forwarding her the complaint to assist me in filing suit against this collection agency. I would like the call recording I had today XX/XX/2020 with a Ms. XXXX who works I guess for this UDAAP processing department of Nelson and Crews and Associates. She advised the call to me was a courtesy call to follow up for my attorney information. I expressed to her same thing I said in XXXX when they harassed and Mis-represented their agency, XXXX XXXX XXXX ( assignee ) and sold by original creditor XXXX XXXX XXXX XXXX. The number they were calling is a cell phone XXXX and Im incurring charges from their calls and they must have me on a predictive dialed ( TCPA violation ) based on the number of calls and voice messages they were leaving me. I request to status the account dispute and please forward the documents to validate the debt. My attorney will be in contact with this agency and will send my request for validation to XXXX. 

Copy : ACA Attorney XXXX XXXX CFPB Secretary of the State of Texas
Product: Vehicle loan or lease

I voluntarily surrendered my vehicle on XX/XX/2020 after being out of work since the pandemic on XX/XX/2020. I was provided misinformation on how to surrender the vehicle, then they didn't pic it up when they said they would after i volunteered to drop it off because I didn't want to be charged for it. Their rep XXXX XXXX told me I would not be charged for that they pay for it. It is attached to the fees on this letter i will update. I lodged a complaint with their corporate office I received 1 call no follow up. I am disputing all these fees especially when I am still not working and feel like I am being treated unfairly in a situation like we are currently in. I have filed numerous complaints against the company and they go unresolved. Also the letter in question says I will accrue interest until the date of the letter which I don't understand that when the vehicle has been in their possession since XX/XX/2020 but the surrender notice was signed on XX/XX/2020. I am being taken advantage of and it is not fair to me. You wrote off the account per my credit as closed charge off/ bad debt after adding a bogus late fee.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failure to properly investigate disputed information, failure to provide a valid Method of Verification ( MOV ), and continued reporting of inaccurate late payment entries, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed inaccurate late payments multiple times, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax has repeatedly marked the accounts as verified without conducting a reasonable reinvestigation or providing proof of verification, violating FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 7 ).

The disputed accounts include : XXXX XXXX ( XXXX ) late payments from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX late payment TN Child Support ( XXXX ) XX/XX/XXXX late payment XXXX XXXX ( XXXX ) XXXX & XX/XX/XXXX late payments Equifax has also failed to provide a valid Method of Verification ( MOV ), failing to name the verifying entity or provide evidence of verification. This mirrors the XXXX XX/XX/XXXX, lawsuit against XXXX, which alleged similar FCRA violations. 

Due to Equifaxs false reporting, I have suffered denied credit applications, increased interest rates, loan denials, and financial harm, making this issue urgent.
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 tak timely and effective measures to prevent a. 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

I had a mastercard through Bank of America for over 10 years. I have never missed a payment, paid my balance in fully faithfully every month. I received a form letter from bank of america in late XXXX advising me my account was closed. The letter provided generic possibilities as to the reason for closure but did not give me the reason for closure. They provided me their credit score of XXXX which is excellent. I proceeded to pay off my remaining balance with online access. I called a representative at Band of America a couple days prior to my final payoff and requested a check covering redeemed rewards points be mailed to my address. She advised that I should request the check redemption of the rewards points after my final payment. After the final payment, when I attempted to access the online account I was unable as the account was closed. I called XXXX at Bank of America ( XXXX ) on XX/XX/19. She found the letter submitted to me and she was also mystified as to the reason for closure. She was unable to find any evidence of my earned rewards points. She initiated a case with Case number : XXXX. I find the actions of Bank of America to be completely inappropriate. Not only have they damaged my credit by closing the credit card, they stole my rewards points after misleading me to request remuneration by check after finishing off my balance payment. Optimally, I should have my credit card account and points restored. Absent this step, I should receive a check for payment in full of my hard earned rewards points. I also feel an honest advisement of the rationale for the account closure after all of these years would be appropriate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a credit inquiry made by US Bank without my authorization on XX/XX/year>. I have attempted to contact both XXXX and US Bank to resolve this issue, but I have not received any satisfactory response from either party. My complaint has been ignored, and it seems that my concern is not being taken seriously. 

As can be seen in my credit reports, I do not have any open accounts with US Bank, and therefore, I demand that this unauthorized inquiry be removed immediately. 

This incident is negatively affecting my credit report, and I believe my rights are being violated. I request prompt resolution and the removal of this unauthorized inquiry from my credit history.
Product: Debt collection

I recently checked my credit report and noticed some inaccurate and unfamiliar accounts reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a letter to XXXX XXXX XXXX XXXX regarding a significant error on my credit report. Upon reviewing my credit report, I discovered an account erroneously linked to my credit profile. This error likely occurred because my parent and I share the same name, leading to a mix-up in your records. This inaccurate account reporting has caused me undue stress and could potentially impact my financial future. 

I requested XXXX - XXXXXXXX XXXX to : Review the information reported under my name carefully. 
Remove or correct any inaccuracies discovered, especially those resulting from the name similarity with my parent. 
Provide written confirmation of the investigation results and notify me once the inaccurate information has been removed from my credit files. 
Despite my request, I have not received a resolution or confirmation of the necessary corrections from XXXXXXXX XXXX XXXX XXXX.
Product: Credit card

I opened an account with Synchrony Bsnk for XXXX XXXX card in XX/XX/year>. I have made all my payments on time and for more than the minimum required every month. I received an email that my account was closed for credit reasons. I called the company this morning, and they stated they closed an account in good standing. This makes no sense to me, and I believe they did it to intentionally drop my credit score.
Product: Credit reporting or other personal consumer reports

I notice several inquiries dated XX/XX/24, XX/XX/24 ,XX/XX/24 XX/XX/2524,XX/XX/24 and XXXX that were not authorized by me and I don't recognize them.
Product: Debt collection

I lived at The View at XXXX XXXX in XXXX, TN from XX/XX/2019 to XX/XX/2019. My lease was paid in full and I notified the management company when I was moving out. 
Two years later, I saw on my credit report that I was sent to collections that I owed {$2000.00}. I never received any communication that there were outstanding charges from when I lived here. I called the current management company of XXXX XXXX at XXXX XXXX and all they were able to tell me is that I " broke my lease ''. I then asked them to send me a copy of the lease for me to review and they have been unable to provide that to me despite multiple requests. 
When I reached out again, that same management company then told me that a different management company was managing the property at the time I was living there and that if I needed any further information I would need to reach out to them. 
I then reached out the previous management company, XXXX XXXX XXXX, multiple times, received no response and no one is able to send me any documentation of the charges that I am supposedly delinquent on. 
I have no outstanding charges due to the XXXX at XXXX XXXX nor to Consumer Collection MN where they sent me to collections. 

I also reached out to Consumer Collection MN as I never received any notification from them that I was sent to their collection agency. When I spoke to them they also had no documentation of what the charges consist of other than " I broke my lease ''. 

This process has been an absolute nightmare and all I've gotten is the run around from XXXX XXXX at XXXX XXXX who is currently being managed by XXXX XXXX, XXXX XXXX XXXX who was the management company at the time I was living at the XXXX  at XXXX XXXX and Consumer Collection MN. This collections has a negative effect on my credit score and I just don't understand how companies are able to do this to an individual. If someone owes money, the creditor should be able to provide sufficient documentation of the charges. 

I've tried disputing the collections via XXXX and it came back as " verified '' by Consumer Collections MN however they still can't seem to find any verification of the charges that they can send to me???? Somebody please make it make sense.