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

I made 2 carpenters, XX/XX/2022, in three days later XXXX illegally repoed my car. They said it was because I defaulted on my well no it wasnt. They have a bad accounting practices. Here is my bank statement from XX/XX/2022 and heres their statement from XX/XX/2022. I didnt make my two parents they never recorded them!! 
I will see you guys in court since you have avoided your own contract. Theres no arbitration. Have a nice day.
Product: Credit reporting or other personal consumer reports

According to consumer law, they have violated my rights. I asked for my personal information not be shared with any another reporting agency. - [ ] XXXX usc XXXX B : permissible purpose - credit furnishers can not share consumer information without the consent or written permission from consumer ; persons who knowingly and willing obtaining information on a consumer from another consumer reporting agency under false pretenses ) shall be fined under title XXXX ; - [ ] XXXX usc XXXX : rights to privacy. 
Obligations with respect to disclosure of personal information.. they are in violation and I want to persue legal action
Product: Debt collection

To whom it may concern, I am writing to address an issue regarding a timeshare purchase my husband and I made in XX/XX/XXXX. After entering into a high-pressure sales presentation, we immediately regretted our decision and attempted to cancel the purchase, but we were unable to do so. Subsequently, the debt was initially reflected on our credit reports, and I can provide specific dates at a later time. However, for reasons unknown to us, the debt was subsequently removed from our credit report for a period of at least 1-2 years. 

Unexpectedly, on XX/XX/XXXX, we received a credit alert to the collection item ; the debt reappeared on our credit reports, with the amount more than doubling from the original debt. We have an invoice dated XX/XX/XXXX, indicating an amount of {$13000.00}, yet the reported amount on our credit report this month exceeds {$27000.00}. This debt has surpassed the statute of limitations for Arizona. Additionally, there is also some legal language associated with New Jersey, but the statute of limitations has also expired in that state. Please advise.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious violation of my consumer rights by Rooms to go which has recently placed a collection on my consumer report without adhering to relevant laws and regulations overseen by the Consumer Financial Protection Bureau ( CFPB ).

Under the provisions outlined in 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to validation information from any collection agency that places a collection on my consumer report. Despite my repeated attempts to obtain this information from Rooms to go, they have failed to provide it, thereby disregarding my rights as a consumer.

Additionally, according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been provided with an opportunity to dispute the account in question. This failure to afford me this right is a clear violation of the regulations set forth by the CFPB. 

Furthermore, it has come to my attention that XXXX XXXX is engaging in deceptive practices, including false and misleading representations. Such actions are in direct violation of my consumer rights and are unacceptable. 

Moreover, it is imperative to highlight that Rooms to go/ Syncb has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This action is in direct violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Furthermore, I have reason to believe that Rooms to go is in violation of the statute of limitations set forth by the state of North Carolina. According to North Carolina state law, debts are subject to a statute of limitations, beyond which creditors or collection agencies can not legally pursue repayment. Syncb/Rooms to go actions may constitute an attempt to collect on a time-barred debt, which is unlawful under North Carolina statutes. 

I am deeply concerned about the impact of Rooms to go/ Syncb actions on my financial well-being and my rights as a consumer. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate enforcement action against rooms to go/syncb for their violations. 

Enclosed you will find copies of relevant correspondence and documentation supporting my claims. I am also available to provide any further information or assistance necessary to facilitate a thorough investigation into this matter. 

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that my rights, as well as those of other consumers, are protected.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Subject : Request for Immediate Removal of Charge-Offs Due to Violations of 15 USC 1692g and 15 USC 1681 I am writing to formally dispute the accuracy of the following charge-off entries on my credit report. This agency is in violation of 15 USC 1692g, which requires them to notify me in writing within XXXX days of their initial communication regarding these debts. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, these accounts must be deleted from my report immediately. 

The accounts that need to be deleted are : XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX The reporting of these accounts constitutes a violation of 15 USC 1681 and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I request that these charge-off entries be investigated and removed from my credit report immediately. The reporting of these accounts without proper validation and notification is not only inaccurate but also unlawful under the aforementioned sections of the Fair Credit Reporting Act. 

Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I never had account with company I personally contacted them and they stated they also had no knowledge of me ever having a account with them I was giving incorrect information and addresses when I contacted the company and spoke with them I verified and provided information that I never had a account with them in 2020 or any other time and when I refused to give address and personal information they threatened legal action and garnishments and back account levies
Product: Credit reporting, credit repair services, or other personal consumer reports

Incomplete/inaccurate information is being compiled and reported about in my consumer reports to third parties on a monthly basis which is a violation of my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Mortgage

We took out a loan with WesBanco that included a payment for PMI insurance. We made significant improvements to our home and requested that we be connected to the process to remove PMI. We got shuttled around to a bunch of different people- and everyone told us they have no process to remove PMI by way of a reassessment. We know this is not how the law works, and have used property assessments to drop PMI with prior lenders. 

However, we got such a runaround and interest rates were so favorable that we decided to re-fiance. We engaged in that process and our loan was sold to XXXX. However, WesBanco began to send us a bill for XXXX $ a month. We went to speak with them at the branch and were told that WesBanco had made a double payment for our property taxes and that they now expected to recover from us, instead of the tax authorities. Because of this, the representative I spoke to told me not to make any payment and that they would take care of the issue. 

But then, a few weeks later, I got a call from a WesBanco representative stating I needed to make the payments or else they would place a lien on my home. I asked them to provide a written explanation for why, after refinancing and selling my loan, they were demanding further payment from me. The WesBanco representative said, " You signed paperwork with your loan that says that you are responsible to sign anything that needs to be signed later, so this is your responsibility. '' I told her that 1 ) I would like a copy of whatever document she was referencing - so that I could ascertain if such documentation placed the burden on me to work on the bank 's behalf to recover any funds they may have overpaid and 2 ) that I had still recieved no written notification that made an accounting for why I owed any money in the first place. She refused to agree to do this and informed me that they were sending the account to collections and would place a lien on my house. 

If the bank will provide a balance sheet that fairly shows that money is due, I will make prompt payment of the original balance. I will decline to pay any late fees, if any, as I think that it is reasonable for me to expect that they would have assessed the correct amount at the time of closing and, if not, reach out to me with a clear, written communication that demonstrated why the money was due. 

Simply saying, you owe us money because we said so ( especially after several representatives told us we did not ) is unacceptable, especially considering that we got into this issue in the first place because this bank refused to engaged in a PMI removal process, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy Records and also Inquires needs to be removed off entirely
Product: Vehicle loan or lease

XX/XX/XXXX To Who it may concern ; This is about the consumer credit transaction entered with your XXXX XXXX dated XX/XX/XXXX and I extended that organization the credit for account XXXX. I hereby give your company ALLY FINANCIAL notice pursuant to 15 usc 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction.

ALLY FINANCIAL didnt even inform me and the cost of credit, with the ONLY evidence of indebtness was just a computer-generated agreement. According to 15 usc 1602 ( k ) the term adequate notice means a printed notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have notice it and understand its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the card holder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 us 1602 ( k ).

Furthermore, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made and uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which again is a violation of 15 usc 1602 ( p ). According to 15 usc 1602 ( p ) the term unauthorized use means any use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which cardholder received benefit.

I hereby request you do the below mentioned ; 1. STOP COMMUNICATING THIS ACCOUNT TO ALL!

2. DELETE ACCOUNT FROM ALL RECORDS!

3. A FULL REFUND OF ALL BALANCES PAID!

4. {$3000.00} check FOR ALL VIOLATIONS LISTED.

5. STOP INFRINGING ON MY INTELLECTUAL PROPERTY!

If you accept my request, I will not escalate this matter to federal court. In case, you choose to disregard and not accept the above requests, a legal action shall be taken against your company for compensatory damages. 

Thank you for you attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On Thursday XX/XX/XXXX I was expecting a direct deposit. Nothing came. I called capital one and got the runaround about a technical issue. They told me the issue would be resolved by tomorrow ( XX/XX/XXXX ). Customers did not receive an email from capital one until late on the XXXX with some vague language about a third party vendor having issues. 

I woke up today expecting the issue to be resolved as I was told, and nothing. I spent another XXXX on hold just to be told nothing - no timeline, no actions I can take, no information about how they will make this up to customers. Still today at XXXXam, we have not received an update from capital one or any official communication about what is going on or where our money is.
Product: Mortgage

I called Guild Mortgage on XX/XX/XXXX at XXXX to inquire about a pre-approval. I specifically told XXXX XXXX on the phone, after asking many questions that I was not ready to have an application processed for a loan as I was just starting to ask around. He told me that it would be a soft pull and so I gave him all my information he asked to do so.. not even 5 minutes later, I had a hard inquiry hit my credit score. XXXX XXXX went ahead and took it upon himself to run a hard pull on my credit and submit my application when I did not authorize him to do so. I want this removed from my credit score as I will not be using this company after they took it upon themselves to do this against my wishes. What do I need to do to get this removed. When he called me back I told him it hit my credit score and that he was only to do a soft pull and he said he was sorry but in order to get me loan options he had to run it but congrats you've been preapproved. Um NO! I've talked to several lenders and what he did was not right. They can do a soft pull and give me ideas of loans I qualify for and for how much. I do not trust this company and I would not either if I were you. What else is this guy going to be using my information for? I don't feel safe knowing he has all my personal information.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX ....
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process 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 reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my XXXX XXXX XXXX caught on fire while I was driving. I contacted Hyundai because there apparently was a recall on the engine. During that time I needed a rental car that I would have to pay out of pocket for. As a XXXX veteran, I could not afford to pay both a car note and a weekly charge for a rental so my payments for the car fell a few months behind. I received a letter from Hyundai saying that if we did not pay by XX/XX/XXXX, they were planning to charge the car off. I ended up paying the amount due as well as past due before the deadline. By the end of XXXX the car was paid off and the account closed. I went to XXXX to purchase a used car in XXXX of XXXX and was told that there was a charge off on my credit report. I ordered my credit report and saw that it said it was paid off as well as charged off. I contacted Hyundai immediately and they explained to me that it was a mistake and that they would fix it. They said it would take 30 - 60 days to be fixed. I checked a few months later and it was still on my credit report as a charge off/paid. I disputed this with the credit bureaus and Hyundai did nothing to fix it. They have the proof of the vehicle being paid off in full, not charged off. Not only did they not fix the charge off on my credit report with all 3 credit bureaus, but they completely erased the car from my husbands credit report. It is now XXXX and I can not get a car without a co signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I purchased a merchandise online and paid through XXXX which the bank decided my dispute was not on my favor as it was authorized. It is true that it was authorized because in my belief the transaction that I had with the merchant was not fraudulent. I emailed the bank XXXX XXXX to reconsider my case on the basis of Non -delivery of goods as there were no goods delivered to me but they did not reply to any of my emails.I paid {$6800.00} USD in total. 
{$2000.00} XX/XX/23 {$1200.00} XX/XX/23 {$2000.00} XX/XX/23 {$1500.00} XX/XX/23 I had reported the case to FBI and XXXX police as I am a XXXX citizen working in XXXX, NY. 
Please help me recover my funds as I don't know what else to do. 
I can provide you the pertinent information and documentation if you need them. 
Thank you so much.
Product: Credit reporting or other personal consumer reports

A Fraudulent Collection Account is being reported on my consumer credit reports, This Fraudulent Account is being reported by Equifax XXXX XXXX XXXX. XXXX XXXX Services Date Opened : XXXX XXXX, XXXX, in the Amount of {$220.00}. I contacted the Collection Agency, and I also contacted the Credit Reporting Bureaus, I had no success in getting the Fraudulent Account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and sent a dispute to the credit bureau in XXXX about the account still showing open on my credit report. XXXX is saying the credit bureaus take 90 days to update their records. Which is false ... one because I did a dispute with XXXX and XXXX lied and told them the account is still open. And they are refusing to correct it on my credit report
Product: Credit card or prepaid card

VENMO My account was frozen back in XXXX of 2020. They froze my account with {$1600.00} and have refused since then to release my funds. I have over 70 tickets with venmo regarding this matter of which maybe only half have been answered. I have filed with the XXXX in which Paypal, who owns Venmo, responded and said my funds would not be released due to strict violations of their policies. I then emailed PayPal and got an email after 3 years of asking why and they stated I had committed fraud and suspicious activity on their app. I have read Venmos policies and it states funds can be held up to 180 days. Venmo has flat out told me I will not get my funds back and that they can hold my funds for however they want to. They cause damages and defamation of character accusing someone of something without explanation as to why, which they also states they do not have to do. Venmo bends their contract to the current situation which in turn means it really isnt a contract if it can change under sole discretion. Many, many people have had their accounts frozen and had their funds held for things as simple as sending birthday money and Venmo does not have to offer a reason why and then gets away with just keeping the money.