23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I XXXX XXXX the United States XXXX XXXX in XX/XX/XXXX I purchased a new vehicle and at the time XXXX I believe was the bank that gave me the loan then they merged or got bought out by Santander consumer at the time of the purchase I was protected under the service member civil relief act also known as SCRA act. Which clearly states that any service member should not be charged or given a loan over 6 % interest the banks knew this, but I did not and I was charged 10.39 % interest. 
When I realized that I was overcharged, I contacted Santander in XX/XX/XXXX, about my protections, and they responded with a letter XXXX XXXX stating that I needed provided the proof that I was a service member at the time of the loan which I did in XX/XX/XXXX I sent them copies of my XXXX, which showed my Pay, my location, which I was stationed in XXXXXXXX XXXX at the time and who was paying me, which was the United States XXXX XXXX and they responded with the letter again on XX/XX/XXXX, stating the documentation I submitted was not acceptable to protect me under the civil service members act. So later on in the month of XXXX that year I submitted my XXXX XXXX which clearly is my proof of my service the dates and my list and its signed by commanding officer of the United States XXXX XXXX. I didnt get any more letters back so I called and they told me That because the account was so old and closed that they could not make the changes to the account. Now, when a consumer doesnt make payments on the vehicle, it gets reported to the credit bureaus when there are a few months behind the vehicle gets repossessed. What happens to the banks when they steal money from the consumer especially a service member someone that goes out and protect their country so they can steal from their fellow consumers or the fellow patriot And the only thing that helps them will protect them is something thats written down as a law or regulation what actually happens to the banks apparently nothing because they dont care which is why Im now filing this complaint. By the way, I would upload the conversation I had with the Santander representative because my phone recorded it and I saved it, but I think its over the limit as to how much I can upload.
Product: Mortgage

XX/XX/2017 Pennymac sent answer regarding loan mod they approve me for fha hamp also said it was most beneficial to me I was not reviewed for partial claim or only claim or forbearance said for explanation why to see exhibit two which only stated this section doesn't apply no other explanation
Product: Debt collection

XXXX XXXX XXXX, XXXX has violated my rights and continuely try to collect debt that I don't owe. 

15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt.

15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this account XXXX XXXXXXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter. The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by Experian on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation. 

Delete this account XXXX XXXX  XXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter.The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by Experian on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation.
Product: Mortgage

XXXX  XXXX XXXX sold our mortgage to a collection agency. We have never missed a payment nor have we been late. We have automatic payment every XXXX of the month for the past 10 years. We did not receive any goodbye letter from XXXX XXXX XXXX or a welcome letter from the collection agency Carrington Mortgage Services , LLC . Within 10 days I have received 3 separate letters from Carrington LLC stated that I am 2 months behind. We went online and made 2 mortgage payments one for XXXX and one for XXXX. Then we called Carrington LLC the company could not tell us any information about our mortgage and why we were behind although we have receipts showing that we paid them. I went online and only read bad reviews about Carrington being a scam company reporting people to credit bureau and trying to foreclose on homes that were never late in payments. I need help. I am the little guy in this one and feel like I ma being duped.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXXXXXX XXXX XXXXXXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$310.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, * XXXX XXXX XXXX ( # XXXX ) < '' last XXXX of account number included for each '' * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ..HAS VIOLATED MY RIGHTS..

-15 U.S.C 1681 section 602A, states I have the right to privacy - 15 U.S.C 1681 section 604A section XXXX : Also states a consumer reporting agency CAN NOT furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for an old student loan, the dispute was resolved in the last week with a statement Completed investigation of FCRA dispute - consumer disagrees. without actually doing anything about the incorrect information. 

The loans in question were transferred from XXXX  to XXXX in XXXX. Experian has been reporting incorrect information since 2022. I uploaded an updated XXXX loan balance stating all loans were transferred. 

One can easily cross reference the new reporting by XXXX with the nelnet loans seeing that the original balance as well as the date of disbursement were the same. The reporting by XXXX started when the nelnet reporting stopped. 

Experian continues to report nelnet as open and without delinquency even though they have not received updates/payments since XXXX. 

I am trying to purchase a home and as a result of this poor reporting experian says I have close to XXXX XXXX XXXX in loans when that is not true. 

XXXX has reported correctly and XXXX updated their reporting after a dispute was submitted. As a result experians negligence it is in violation of FCRA and should be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB and Prosper.com, I recently noticed ( Last month ) that I was late on my account, and I called Prosper.com immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from PROSPER, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX  XXXX
Product: Debt collection

XX/XX/XXXX A judgment was rendered against me in favor of Chase Bank on XX/XX/XXXX in the XXXX County, Florida Court for defaulting on credit card debt. The amount of the judgment was {$12000.00} with an annual interest rate of 8 %. ( It was the result of my business becoming insolvent in XXXX. ) On XX/XX/XXXX Chase sent me a letter stating that after entering into agreements with the U.S. Consumer Financial Protection Bureau on XX/XX/XXXX it would stop attempting to enforce the judgment. They also stated that they would not sell the judgment. ( Administrative Proceeding File No. XXXX ) However, while in the process of recently refinancing the mortgage on my home, I discovered that on XX/XX/XXXX Chase had assigned the judgment to XXXX XXXX XXXX, a XXXX XXXX, FL company whose Registered Agent is Attorney XXXX XXXX. 

Furthermore, on XX/XX/XXXX, XXXX filed an Affidavit of Creditor 's Address on XXXX behalf and obtained a certified copy of the Final Judgment at the XXXX XXXX XXXX XXXX XXXX office. 

I was never notified by Chase or XXXX that the Judgment had been assigned. 

Documents provided : - XX/XX/XXXX letter from Chase Bank - XX/XX/XXXX Affidavit of Creditors Address submitted by Attorney XXXX XXXX on behalf of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00}.
Product: Mortgage

On XX/XX/XXXX, we suffered a homeowner 's loss due to fire at our property located at XXXX XXXX XXXX, XXXX, PA XXXX. Through our public adjuster, we settled up with our insurance company and received an insurance check in the amount of {$86000.00} We have a home equity loan with Truist Bank and they were named as an additional payee on the check. On XX/XX/XXXX, we signed over an insurance check in the amount of {$86000.00} to Truist Bankas per their instructions along with their Affidavit of Damage and Repair. We completed the repairs to our property with our own funds while awaiting Truist to process our disbursement. On XX/XX/XXXX, we received a check in the amount of {$10000.00} and a second check in the amount of {$4700.00} due a contractor for XXXX  services performed. We immediately contacted Truist for the balance of funds and agreed to an inspection per their requirements. Truist never showed up for the inspection and no one from their Loss Draft Department will assist. We have reached out to multiple branches with no resolution. They are holding {$71000.00} of our money and will not release it to us. We ask your assistance to hold them accountable to communicate with us and release the funds they are holding without reason. You can reach us at XXXX should you need any additional information to assist us. Thank you, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company has added a debt that is not mine and its affecting my credit. I need it removed it is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Debt collection

Southwest Credit System has called me repeatedly daily, several times throughout the day too often and I feel harassed and abused. I have requested that this collection account be validated under the Fair Debt Collection Practicing Act, 15 USC 1692g Sec. 809 ( b ). I have requested the following listed below but I have not received any of what I requested : The agreement with their client that grants them the authority to collect on this alleged debt, The copy of the actual agreement that bears my signature for this account and any agreement also bearing my signature authorizing the release of my personal information and any insurance claims been made by any creditor regarding this account. 


I know that this is a violation of the FCPDA. This collection on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the {$1000.00} 's. 
I am a XXXX with Severe/Complex XXXX and the constant calling and harassment has contributed to the exacerbation of my medical condition. 

This company is NOT registered to collect a debt in the state of Maryland according to https : XXXX. I am aware that Maryland law requires collection agencies to obtain a license from the Department of Labor, Licensing and Regulation in which they have not done so. Southwest Credit System is practicing illegally in Maryland.
Product: Money transfer, virtual currency, or money service

I applied for their job listing for an XXXX XXXX XXXX on their books. I completed a cover letter, short " interview '' through XXXX XXXX, a survey about my working style/etc., and received a legitimate looking email with an attached contract letter including the job description and hourly pay. I was in contact with a girl named XXXX, who filled me in on how the job would work and that they would be sending me a XXXX, printer, and time tracking software at the company 's expense. They sent me a check for me to deposit and so I did, and then they had the " vendor '' copy me in on an email with a fake invoice. I then wired the money ( {$4300.00} ) to the vendor on XX/XX/XXXX and I woke up Monday morning with an email from my bank notifying me that my account was overdrawn. I panicked and looked up the girl I thought I was speaking with and saw she had posted on XXXX that someone is impersonating their company and they are not hiring at XXXX XXXX ( the publisher I thought I would be working for ). I immediately called my bank and filed a complaint. Unfortunately after six days, my bank told me there is nothing they can do because I verified the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ) On XX/XX/2017 I had to change my checking account number. I had recurring payments set up through XXXX site. I properly changed my checking account info. XXXX failed to afford me the option of re-enrolling in recurring payments. Without having been notified that my recurring payments ceased, I unintentionally missed my XX/XX/17 due date payment. As a result, my payment was 31 days late. XXXX refused to remove the late payment from my credit report, citing that the information provided is accurate and therefore will not be removed. XXXX  poorly designed payment platform caused me to miss my payment and I was provided with no reminder or warning that my recurring payment had ceased and needed to be set up again in order to make an on time payment. I am requesting assistance as a consumer due to this unfair and rather negligent practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XX/XX/XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX  - Acct # XXXX {$2000.00} XXXX XXXX - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}
Product: Debt collection

To Whom It May Concern : I hereby certify that Spring Oaks Capital , LLC is violating multiple provisions of the law that protect consumers, and I demand that they immediately cease any attempts to collect a debt that does not belong to me. Below are the violations of the law and the actions required : Items Violated by Spring Oaks Capital , LLC Section 809 ( b ) of the FDCPA ( 15 U.S.C. 1692g ) Right to Debt Validation They have violated my right to adequate validation by failing to provide clear and complete evidence of the debt, including the original contract and details of the account transfer.

Section 807 of the FDCPA ( 15 U.S.C. 1692e ) Deceptive Practices Attempting to collect a debt without sufficient evidence or documentation constitutes a deceptive practice. Furthermore, claiming amounts greater than the actual value of the debt acquired is a clear violation.

Section 808 of the FDCPA ( 15 U.S.C. 1692f ) Unfair Practices Buying debt for pennies on the dollar and then demanding the full original amount is an abusive and unfair practice under this section.

Section 611 of the FCRA ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Information Spring Oaks Capital , LLC has not adequately verified the information presented in my credit report or removed the incorrect records within the 30-day time period required by law.

Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) Responsibility to Provide Accurate Information By reporting false or inaccurate information about this debt to the credit bureaus, you have violated your obligation to report only accurate and verifiable data.

Section 805 of the FDCPA ( 15 U.S.C. 1692c ) Unlawful Communications with Consumers Any attempt to collect without my express consent or authorization is against established regulations.

Failure to Notify : Upon purchasing the alleged account, Spring Oaks Capital , LLC failed to provide the legally required notification of the transfer of ownership. I was never informed of this purchase, which is under they violate the Fair Debt Collection Practices Act ( FDCPA ). 

Lack of Authorization : I have never signed, authorized, or agreed to deal with Spring Oaks Capital , LLC regarding this matter. Without a signed agreement or prior consent, they have no legal basis to pursue this alleged debt. 

Invalidity of the Debt : When the original creditor sold this account, they relinquished their rights to the debt. According to consumer protection laws, once the account is sold, the consumer no longer owes the debt, as the transaction occurs for pennies on the dollar and not the full amount claimed by the collection agency.

Violation of Consumer Rights : By attempting to collect on a debt that has not been validated or properly transferred, Spring Oaks Capital , LLC is violating key provisions of the FDCPA and the Fair Credit Reporting Act ( FCRA ). This includes : Failing to verify the debt as requested.

Reporting incorrect and misleading information to credit bureaus, which is prohibited under Section 611 of the FCRA ( 15 U.S.C. 1681i ).
Product: Bank account or service

I signed up for a first tennessee bank checking account earlier this year, thus a XXXX Inquiry was initiated. I was told many times that I had met the requirements for this new checking account bonus via their secure message yet I was n't credited the bonus. 
I gave up on the bonus part of it awhile ago, but right now all I want is the XXXX inquiry for First Tennessee Bank removed off of my credit report. I think that would be fair considering what I went through.