23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have 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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I contacted the company in XXXX to inform them I had lost my job and I was going to need some assistance they never contacted me back I reached out to them again in XXXX still nothing then in XXXX they dinged my credit report I contacted them again and said Ive been reaching out to you nobody will respond I lost my job I could only afford to pay {$25.00} a month right now they said thats not gon na make a difference but you can do it and then they started texting me several times a week after XXXX oclock in the evening the most current one was XX/XX/XXXX at XXXX XXXX
Product: Debt collection

Paramount Recovery has attempted to collect a medical debt, which I dispute, and has not responded to my written request for verification in over 30 days. 

On XX/XX/year>, I sent Paramount Recovery a written request for validation of this debt, including physical verification and reliable evidence proving the authenticity, accuracy, and validity of the debt they are attempting to collect. Despite this request, I have not received any response or proof of the debt within the 30-day period required by law.

Additionally, by attempting to collect this debt without verifying it, Paramount Recovery has violated my privacy rights under 15 U.S.C. 1681, which mandates accuracy, fairness, and privacy in credit reporting and debt collection pr
actices. Moreover, they are potentially in violation of HIPAA by mishandling sensitive medical information related to this debt without proper authorization.

I am seeking CFPBs assistance in investigating this matter and taking appropriate action to ensure that Paramount Recovery complies with federal laws regarding consumer protection, debt collection practices, and privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

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

XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date.

The original signed contact from the original creditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.
Product: Mortgage

PNC Mortgage # XXXX Please understand, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 

We applied for a short sale in XXXX XXXX. It was conditionally approved with a list price of $ XXXX. We then obtained a buyer for that full list price and moved out of the home. All of a sudden, in XXXX we were sent a modification offer, no response on the short sale application. We were told ( through our realtor ) to submit a new letter of intent to PNC Underwriter for the short sale and was told to wait 30-45 days for the bank to convert the system back to a short sale template. That brought us all the way into XXXX XXXX. Then the last week in XXXX, we were sent a denial for all options including mod and short sale. A few days later we were sent a HAMP mod offer again???? Within that same letter it states approved for XXXX ( page XXXX ) and denied for HAMP ( page XXXX ). Which is it?. Besides we applied for a short sale not retention. We moved out of the home in XXXX to accommodate the short sale based on the first condition approval. We are still carrying costs for the subject property and now expenses/mortgage for our current residence. I know those new expenses were not accounted for in our review. Nor do I believe the investor was made to understand that any rental income amount in the subject propertly will never offset the proposed modified payment. 
Our potential buyer is going to request us to cancel the contract and return earnest funds if we do not have a resolution shortly. I do not see any reason this short sale can not move forward and close asap however I can not contact PNC or receive any responses directly and the firm takes a minimum 2-3 weeks to review the status with the client each time. 
Again, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 
Please assist. 
Thank you
Product: Payday loan, title loan, or personal loan

I applied for a short term loan online XX/XX/XXXX at the website for Big Picture Loans. I did not receive any details about the loan but the money was credited for {$850.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I thought I had paid off the loan but was still getting notices about upcoming payments. I requested that Big Picture Loans revoke my ACH agreement and asked for the payoff balance. 

The online account screen shows I still owe 8 more payments of {$200.00}. That would make a total repayment {$2600.00}. That is nowhere close to the cap of 36 % I expected. 

I have already paid {$1200.00} in payments but they say I still owe the full 8 more payments. The payments I have made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX should have been enough to payoff the loan, instead they claim it only reduced my principle by {$45.00}. That is not possible! 

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. When I spoke to customer service they said my payoff, which included the payments I have already made is based on the interest rate of 550 % and they can charge that because they are a tribal lender and not subject to state or federal laws. I am a resident of South Dakota I had no idea they would be able to charge over 550 % interest. I do not live on their reservation, but they say that they do not follow federal or my state laws, that I am subject to their tribal laws. 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.
Product: Vehicle loan or lease

Hi, I went to buy a New Nissan after my Lease was up, this is like my 10th lease, I know how this all works. My credit was 720, the finance officer came back said it dropped to XXXX? I said why? .well they said you have to have a XXXX to lease. I got upset, left, went to XXXX to look, XXXX said they would lease me a new XXXX truck. I went back to Nissan they said well, we will pay off the vehicle but if you want to lease again with us we will waive the XXXX credit score minimum with us but..if you Lease again with us we will pay all the fees related to any overages up to XXXX on your old vehicle if any. I was under mileage by XXXX miles!! I had No Overages. I then went to XXXX. 
They said we have great deals on XXXX. So I said what about my credit? They said No issues. I said let 's do it. 
I went to review my credit report and found that Nissan Closed my account 2 weeks before my lease was ending, that is what Hurt my credit. They lied to me at the Dealerdhip, I called Nissan. They  verified they closed the account before the lease was over apologized, they then opened the account back up? How can they Close my account before the auto is returned? And, then open it again? Hurting my credit already? I went to finance Mgr, at Nissan,  He was Gone. The Sales person Gone. The New Sales Mgr told me, they Nissan were doing this to get individuals to Lease New Nissans!! Hurt my credit so I can only Lease thru them only, Really!! That is Fradulent!! Illegal!! This is Not right!!

I now get paperwork from Nissan that I owe for over Mileage Wrong, Ware and Tear, Wrong, and that they now want me to pay Fees that by their own admission are wrong due to them Fradulently trying to trap, entrap customers by illegal processes. Something must be done to ensure this does not happen to customers!! Its not fair or right!!
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX, XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX  XXXX. 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.
Product: Debt collection

For XXXX  this company has been harassing me. While working, while at school, even while Im sleeping. They call from all kinds of different numbers and area codes. XXXX told me they sold the account to a third party for {$6200.00} to NCB. I said that was fine, but I had been sick and couldnt work for a XXXX XXXX and needed time to return to work. I then told them if they kept harassing me I would then contact a lawyer. They kept calling, then my XXXX calls me and tells me they keep calling her and telling her I owe this amount of money in debt which is illegal. Not only did they call my XXXX more than once, they disclosed private information. I will not tolerate this behavior and unprofessional by this company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian

Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3500.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$3000.00} Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$110.00} Account Name : XXXX : Account Number : XXXX : Balance : {$740.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$4200.00} 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 a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found on my credit report. I believe that these items are inaccurate and should be removed from my credit file immediately. 

Firstly, regarding the account with XXXX XXXX XXXX ( Account Number : XXXX ), I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Secondly, with regards to the account with XXXX XXXX ( Account Number : XXXX ), it is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

Thirdly, the account with XXXX  XXXX ( Account Number : XXXX ) has been charged off and should not have any payment history associated with it. Therefore, I request that you delete this account immediately. 

Fourthly, the account with XXXX XXXX ( Account Number : XXXX ) has been removed from the other bureaus ' reports, yet you were still able to verify it. This account is inaccurate, and I request that you delete it immediately from my credit report. 

Fifthly, the account with XXXX XXXX ( Account Number : XXXX ) has been removed from the other bureaus ' reports, yet you were still able to verify it. This account is inaccurate, and I request that you delete it immediately from my credit report. 

Sixthly, I want to bring to your attention that the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX. This address belongs to someone else, and I request that you delete it from my report immediately. 

Seventhly, the inquiry from XXXX - XXXXXXXX XXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

Eighthly, the inquiry from XXXX - XXXX XXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

Finally, the inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

I appreciate your attention to this matter and request that you investigate these items promptly. Please inform me of the actions taken to correct these inaccuracies. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I am writing to you today to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake, as I have not violated any of PayPal 's policies. 

I have been a loyal customer of PayPal for several years now, and I have always followed the company 's guidelines to the best of my ability. I have never engaged in any suspicious or fraudulent activity, nor have I received any complaints from other PayPal users. 

Therefore, I would like to respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that upon further review, you will find that there has been a misunderstanding or error in your decision to limit my account. 

My PayPal account is linked to the email address XXXX, and I am available to provide any further information or clarification that may be needed to assist with this process. 

Thank you for your attention to this matter, and I look forward to a prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wellsfargo did me wrong in so many ways charged me higher interest on short term loans kept on giving me shorter notices..I had acct with them on XXXX actt : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3900.00}
Product: Bank account or service

On Friday XX/XX/2017 XXXX charged over XXXX dollars on my debit account without my permission claiming that the payment had been done online. I did not authorized this payment and did not make an online payment since the money i had in my account was for my rent. I called Chase right away and they stated they needed to investigate the transaction. Yesterday I spoke with them and said they could do nothing since XXXX had every right to take the money since I owed it. I am currently waiting on a reimbursement from XXXX to pay XXXX. I am now behind on my rent and utilities since they took all my money. Chase is not helping me to resolve this issue even though I am telling them this was a fraud. This was also tried on my daughters account but they were unable to take the money since she had no funds. She had to cancel her debit card due to the fraud attempt. As of today Chase approved the {$2200.00} transaction after all my calls and complaints about this not being authorized by me.
Product: Credit card

XXXX, a Wells Fargo company, claims I opened an account with them in early XXXX w/ a limit of {$6200.00}. I did not open this account nor did I ever use it. I would never do business with a Wells Fargo company due to their practices and consumer lawsuit history. When I saw the account on my credit report in XXXX, I called them, told them I never opened the account and insisted they close it. While they did they reported that they closed it instead of noting it was their mistake. I believe them to be a predatory company & should be investigated for same.