23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Notice for Proof of Claim Account : NATIONAL ENTERPRISE SYSTEMS # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keep opening and closing an account on my trans Union and my XXXX credit report. Ive wrote numerous letters to have it removed. I would like it removed from my credit report asap please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution ( XXXX XXXX  ) and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I received a sales call from Tesla in XX/XX/2023 offering an incentive of waiving the disposition fees and the last 2 lease payments on my existing lease ending in XX/XX/2023 XXXX  XXXX if I purchase a new Vehicle. We went through the existing lease and met all the criteria. Nothing was mentioned about returning the leased vehicle in the same month of taking delivery of the new vehicle. 

I proceeded to place the order with Tesla on XX/XX/2023 solely based on those incentives and canceled an existing XXXX XXXX order that was placed on XX/XX/2023. ( Ref attached order & cancellation emails ). 

Upon taking delivery of the new Tesla ( XXXX ) on XX/XX/2023 and on the same day I attempted performing the return transaction on the app but the final quote was incorrect giving me an amount significantly more than the remaining lease payments. I attempted to reach out to the lease return team over the phone and was advised to make XXXX payment and wait for the final quote to be revised. 

I followed the instructions but still the final quote did not reflect the correct balance at {$4600.00} although the remaining lease payments is around & XXXX ( Ref attached quote ). 

On XX/XX/2023 I sent an email inquiring about the final payment adjustment to reflect waiving the last 2 lease payments and the response that the credit will be retroactively applied to customer accounts after the return and that I should proceed to return the vehicle. 

XX/XX/2023 I followed up with another email requesting clarification about the Tesla app instruction make the final payment before returning the vehicle and the response was " Once the lease has been returned, we can look into making the adjustments on your final invoice. '' On XX/XX/2023 I returned the vehicle and received an email confirming that 1 month lease payment amount was credited to my account ( ref attached email ), but that credit was not actually applied to the account. 

I tried numerous times reaching out via phone and emails ( see attached ) to resolve this issue but have not been able to.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected.

Furthermore, their dispute resolution process was unfair & 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 & financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I'm a new Carrington mortgage customer. My loan was transferred earlier this year. I've had trouble making my payments to them because they will sit on checks sent from other financial institutions too long before processing. This happened to me twice in XXXX XXXX so now they won't let me pay by check. In each case, they sat on the checks for longer then ten days. If the checks were processed in a normal amount of time, the funds would have been in the account. 

When I called in XXXX to discuss why they take so long to process, the gentlemen said that's not the best way to pay them because they take so long to process. Now I only have the option to send secure funds through XXXX XXXX or money order. Money order isn't a good option for me because I travel out of the country often. Now when I send the funds through XXXX XXXX, it costs an additional {$50.00} to pay the bill. 

This company operates like a mom and pop grocery store that doesn't accept credit or debit cards. They want you to setup automatic payments from them to other financial institutions, but the way they operate, I don't trust them with sharing any other account information from my banks because I would bet that they also don't do a good job with information security the way they operate. I did not have trouble paying my previous mortgage company and paying this group should not be this difficult. 

I spoke to an agent and then was transferred to XXXX on the escalation team today ) XX/XX/23 and she was unhelpful and blamed all this on my late payments in XXXX XXXX. I shouldn't be forced to deal with the hassle of sending certified funds because Carrington mortgage sits on checks received like hens waiting for eggs to hatch.
Product: Credit card

I went to Chase Bank on XXXX, CA XXXX on XX/XX/2017 to apply for a chase sapphire reserve credit card. I was approved and received the card about a week later. I had been using it regularly and when I tried to use the credit card again yesterday it was declined. I thought this was just a random one off issue and tried using it again the next day and got declined again. I called into customer service and was told that my account was closed, I went through fraud verification who told me they could n't tell me the reason and transferred me back to customer service who told me again I could n't be told anything and would have to wait to get something in the mail. Finally after speaking with a supervisor they advised that my credit card had been closed because they were unable to verify the fraud alert on the file. When I applied in person I gave all of my information and the underwriter on the phone asked the personal banker to speak with me and asked me questions to clear my fraud alert including my name, address, social, trade lines, date of birth, and other information. I had 1 missed call from Chase on Monday at XXXX my time and was at work and could n't answer, this apparently was them trying to clear the alert again. Now I am being told that my account can not be reopened at all because of this fraud alert. I put this on my credit to protect against identity theft. Nobody that I speak with is willing to help me and I was told that talking on the phone is not going to accomplish anything and there is nothing anybody can do. What kind of customer service is this on an issue that Chase messed up on? I already verified my information and even went IN PERSON to ensure I could provide all the necessary information.
Product: Payday loan, title loan, or personal loan

Speedy cash approve me for a loan of XXXX $ on XX/XX/2021. Received my money in my checking account I then received an email this morning XX/XX/2021 saying I was approved for XXXX. It had speedy cash logo they said they were approved by the XXXX, cfpd, and the Fdi. I decided to give speedy cash a call to see if this was legit they said this was 100 % fraud. They have a completely different number than that of speedy cash I have documented proof of all of this and I wouldnt want anyone to fall for this scam. I also sent all the proof to the real speedy cash company.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per 15 USC code 1681S-2 ( a ) ( 1 ) ( a ( & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my personal credit reports as they violate my rights as a federally protected consumer. Per the US Codes provided, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, I am demanding the deletion and removal of ALL the listed accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting an inquiry on my credit report that I did not authorize and am not aware how it came to be. Under section 609 of the Fair Credit Reporting Act, which I've quoted below, I am asking that the name and identification of the person that authorized the inquiry into my report and the person the information was supplied to. 

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed the Chase account I have a charge off and I keep disputing the amounts, the transactions and the validation of the debt they just keep coming back with no changes on my credit without showing evidence or a true investigation its a Chase account so the credit bureaus work with them so those debts never get properly investigated I have filed more than 4 disputes with them all came back with the same exact information Request the method of verification and description of procedure. never received
Product: Consumer Loan

XX/XX/2015 I took out a title loan with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Tn for {$2500.00}. It was not explained that the monthly payment of over {$500.00} was not paying back my loan. This is the interest that they charged for the loan!! I feel the loan should be explained to where you understand how much your payments are going to be. I have paid several payments on my account and it does not seem to go toward the loan itself. I have received multiple collection calls daily several times a day wanting money I can not afford to keep paying toward a balance that does n't seem to be lowering. I feel I have been taken advantage of and that the title loan place was only wanting my truck. They set you up for failure by charging such high interest. The loan place also gave out my information to a family member even after I ask them plainly not to discuss my loan with anyone.
Product: Student loan

I recently learned on my own that my private Iowans with Navient can be XXXX as I was a XXXXXXXX XXXX of the XXXXXXXX XXXX XXXXXXXX case that resulted in my federal student loans being XXXX. Navient never provided me with this information despite their awareness for several months. I have requested Navient send me a school misconduct application twice. XXXX weeks ago I learned I can not access this application on their site and that it will need to be sent to me. I have contacted Navient about this twice and still have not received the application. In addition, my monthly payment has since almost tripled and I am being told I do not qualify for reduced payments despite a consistent history of paying when the monthly payment was financially reasonable. I can not afford the new monthly payment and Navient will not put my loans in forbearance status pending the school misconduct application. Assistance and resolution from Navient has been attempted for the past XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$80.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$80.00} XXXX XXXX XX/XX/XXXX
Product: Debt collection

They call 5 times a day for a person who does not live here. I 've told them multiple times to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My argument is I was at XXXX XXXX and the cashier told me I would save more money with a home depot card would I like to apply. I told her at the moment I didnt have time I would look into it when I got home. So I did once because Im doing some re- modeling in my home. I logged onto the site read the literature and APRs on the card it clearly states on the site The meaning of PREQUALIFY is to qualify as a candidate : to meet the preliminary requirements for something. Quoted directly from the site Dont worry, this wont impact your credit score. I called the rep at the XXXX XXXX number and she clearly assured me that it was a soft pull and now I have a hard pull on my credit profile. 
This is your formal notice to cease your unauthorized hard inquiry into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Citi Bank made on XX/XX/2022 Made with XXXX to my knowledge, I have not signed any documents authorizing your organization to pull my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to the CFPB after your investigation so that I may verify its validity. I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I recently found that you are still illegally reporting inaccurate, noncompliant, and false information about me, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists for the following accounts & account numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metra 2 COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

Please delete accounts from my report immediately. I await your reply. 

Thank you, XXXX XXXX
Product: Mortgage

I had my original mortgage with XXXX. I lost my job due to the recession XX/XX/2008 and had trouble making my monthly mortgage payments. XXXX began charging me extremely large " differed interest '' fees each month my payments were late as well as charging late fees. By the time I was able to make regular payments again XXXX had added over {$31000.00} in differed interest to my mortgage. Now, after paying on my home for over 11 years my payoff amount is significantly over the initial purchase price. I 'd like to sell my home, but with this huge amount added to the loan it makes it financially impossible to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Bank Account # 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 without my written instructions.
Product: Credit reporting or other personal consumer reports

I have paid this credit card since XXXX of XX/XX/2024but they have failed to report my XXXX balances to the credit bureaus. My credit report says I still owe {$3400.00} and I owe XXXX! This is affecting my credit score and my ability to buy a home.