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

Subject : Complaint Against XXXX XXXX XXXX SAC Finance Violations of Federal Consumer Protection Laws To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX SAC Finance regarding serious misconduct, including failure to provide requested information, violation of consumer protection laws, and physical assault by a company representative.

Details of Complaint Failure to Provide Requested Information violating terms of loan, operating outside of sales jurisdiction constituting in tax evasion I made multiple formal requests for information regarding my loan payments and contract details on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite repeated attempts, XXXX XXXX XXXX SAC Finance failed to provide the requested documentation, violating my rights under 15 U.S.C. 1681s-2 and 15 U.S.C. 1666b.

Revocation of Power of Attorney ( POA ) and Companys Retaliation I filed a POA revocation with the state and personally delivered a notice to Manager on Duty XXXX XXXX at XXXX XXXX XXXX SAC Finance. 
Instead of honoring this legal request, XXXX XXXX slammed the door on my hand and physically assaulted me as I was requesting services from his company.

Potential Violations of Federal Law Failure to provide requested loan information violates FCRA 15 U.S.C. 1681b and ECOA laws.

Failure to correct inaccurate reporting and failure to validate the debt violate 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ).

Unfair or deceptive acts or practices ( UDAP ) violations under 15 U.S.C. 45 and the Gramm-Leach-Bliley Act.

Illegal business practices under 12 U.S.C. 1818 ( b ) ( 1 ), ( e ) ( 1 ), and ( i ) ( 2 ) and FTC rulings ( including FIL 57-2002 ).

Resolution Sought I request that the CFPB investigate and take enforcement action against XXXX XXXX XXXX SAC Finance for their unlawful conduct, including : Compelling XXXX XXXX XXXX SAC Finance to provide all requested contract and payment information immediately.

Holding the company accountable for violations of consumer financial protection laws.

Ensuring that all inaccurate or misleading credit reporting is corrected.

Investigating the physical assault incident and reporting it to appropriate authorities.

I request that this complaint be publicly published on consumerfinance.gov to help other consumers avoid similar mistreatment. I understand that my personal information will be redacted before publication.

I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX  I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Product: Debt collection

Wakefield and Associates, who have been collecting on a debt that I do not owe and have placed multiple accounts on my credit file regarding hospital emergency visits. These charges are inaccurate because I have health insurance with XXXX copay under my state employment government insurance, meaning I should not be liable for any costs associated with these visits. XXXX XXXX. No deductible. 

I only received notice from this collection agency AFTER it was on my credit. My consumer rights have been egregiously violated. 

I have already contacted XXXX XXXX XXXX regarding this issue by phone, yet they continue to report this erroneous debt on my credit file, which is causing significant damage to my credit score and financial reputation. This is a clear violation of my rights as a consumer, as XXXX XXXX XXXX  are attempting to collect on a debt that I do not owe and are damaging my credit with inaccurate and misleading information. 

As per the Fair Credit Reporting Act ( FCRA ), they are required to report accurate information, and under the Fair Debt Collection Practices Act ( FDCPA ), they are prohibited from attempting to collect a debt that is not valid. I demand the immediate removal of these false accounts from my credit report and that XXXX XXXX XXXX cease their collection efforts regarding this non-existent debt.
Product: Debt collection

On XX/XX/2020 I sent a complaint against IQ DATA INTERNATIONAL regarding an attempt to collect a debt that does not belong to me. They were very kind to respond on time on XX/XX/2020, saying they supposedly verified the debt and that they will forward me the documentation. To this date, I have not received any supporting documentation regarding this debt. However, I have reviewed my credit file and I know for a fact that I have never done any business with " SURE DEPOSIT '' or have lived in a building name " SURE DEPOSIT '', which is what they are alleging on their response. 
Please be advised that at this point this is is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you At this time I will also inform you that if your offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws.

If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$160.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Regional Finance XXXX sent a promo check to my mothers house. I do not live there and have not lived there in longer than XXXX years. My son with the same name lives there and was able to cash the check since we share the same name and no other identifiers. I had no idea all of this was occurring until Regional Finance called me about a payment that was due. This business has no right sending out checks randomly to see who will cash them. This is fraud and they are reporting on my credit report.
Product: Mortgage

I became behind on mortgage payments due to wage loss from COVID and COVID Delta. I lost an entire months wages on two different occasions in XXXX. I have made every attempt monthly to make payments as agreed. I spoke to XXXX with 21st mortgage XX/XX/2021. I made an attempt to make a payment of {$2000.00} to bring my past due to the current month and make up the current month through payments on the XXXX and XX/XX/XXXX. I was told there is an overage of {$1000.00} and the {$2000.00} would bring my payment to XXXX due. XXXX then supervisor XXXX on the phone who then began to blame me for being past due, saying things like at least I pay my bills when are you vacating the home saying I had until XX/XX/2021 to vacate. I told XXXX I hadnt been served with notice of foreclosure. I told her that with the way I am being spoken to I am not authorizing the payment. I asked XXXX why she is threatening me. That I had everything worked out until she got in the phone and began to harass, belittle, berate, degrade, and humiliate me. Calling me names. Attacking me as an individual and commissioner. Laughing at my misfortune. I have never been treated fairly by this company and they make threats every phone call.
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER SPS " SELECT PORTFOLIO SERVICING '' AND WAS RECENTLY DENIED DUE TO IT IS NOT IN THE FINANCIAL INTEREST OF THE INVESTOR OF MY LOAN. I WANT TO BREAKDOWN THE SEVERITY OF THAT STATEMENT. 

THE REASON MY HUSBAND AND I ARE DELINQUENT IS DUE TO MY BROTHER-IN-LAW WHICH IS THE THIRD CO-BORROWER OF THE LOAN PASSED AWAY WHICH MEANS OUR INCOME FOR THE HOUSEHOLD DECREASED KEEPING US UNABLE TO MAKE THE MORTGAGE PAYMENT AT THE TIME. 

IN ADDITION, THE INVESTORS FINANCIAL INTEREST IS TO NOT MODIFICATION MY LOAN BECAUSE THEY WANT TO TAKE THE EQUITY OF OUR HOME. MY HUSBAND IS A XXXX XXXX XXXX XXXX MAN AND SPS AND MY INVESTOR THINKS I AM GOING TO JUST LAY DOWN AND LET THEM STEAL MY HOME BECAUSE THAT IS EXACTLY THEIR INTENTIONS. THEY STATED THAT THEIR INTEREST IS NOT HELPING US BECAUSE WE HAVE EQUITY AND THEY WILL RECEIVE A FINANCIAL GAIN BY JUST SAYING NO TO US TO TAKE OUR EQUITY. IT HAS NOTHING TO DO WITH OUR INCOME, OUR FINANCIAL HARDSHIP, DEATH IN THE FAMILY AND THEIR CO-BORROWER JUST MY EQUITY. I AM FILING A COMPLAIN WITH THE FTC, MY STATE ATTORNEY GENERAL XXXX XXXX INFORMING THEM THAT YOU ARE PREYING ON XXXX SENIOR CITIZENS FOR FINANCIAL GAIN. THIS IS COMPLETELY OUTRAGEOUS!! IF YOU THINK YOU ARE GOING TO COLLECT MY PROPERTY FOR YOUR FINANCIAL GAIN YOU HAVE ANOTHER THING COMING, I WILL SUE EVERYONE OF YOU FOR EVERY FRAUDULENT VERBIAGE AND LAW BROKEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are showing that my past Mortgage with XXXX is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact XXXX and Equifax and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and Equifax needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
Product: Mortgage

I sold my house and that paid my Mortgage with Shellpoint off. They have since reported me as 30 days late, then 60 days late on a {$0.00} loan which is absolutely impossible! The wire transfer took place twice on XX/XX/XXXX! Well before the loan could ever be considered late! You also CAN NOT BE LATE ON {$0.00}!! HELP ME! THEY DENIED THE WIRE TRANFER 2 TIMES! MY TITLE INSURANSOR WAS SURPRISED BY THEIR LACK OF ATTENTIVENESS!
Product: Checking or savings account

Citibank is allowing XXXX XXXX  to continue making withdrawals without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information from XXXX XXXX XXXX reported to Transunion as inaccurate on XX/XX/. Received letter from Transunion dated XX/XX/, statting that information was verified as accurate and updated. Originally showing {$8800.00} past due, now showing {$8800.00} past due. 

The account is an incorrect amount past due and is grossly overstated. 

This is a collection account and should not show a past due balance. This account is reporting inaccurately and must be removed immediately. Also, the balance/past due is incorrect.
Product: Debt collection

XXXX continues on sending me bills that I did not owe, until they hired North Shore collection Agency. I explained to XXXX several times that I transferred to XXXX XXXX on XXXX XXXX, 2016 before XXXX took over XXXX, and that I fully paid XXXX. I gave XXXX the service discontinuation reference number from XXXX, but this did not work. I spoke several times with XXXX ' representatives and was transferred to different departments/phone numbers but nothing works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report please revise
Product: Mortgage

I submitted to freedom mortgage on XXXX XXXX that we were approved for 10 % XXXX vets in the county that we reside in. I submitted all the paperwork to them to show that the XXXX vets was approved. I spoke with someone on XX/XX/XXXX to check on the status of the request. I was told that they have until XX/XX/XXXX to get the information. I did not hear anything back, so i called on XX/XX/XXXX. They started that they have the old information from XXXX and started that the tax assessor gave them the information from XXXX. When i applied i told them that the exemption was for the current year which is XXXX. The company closed my case and refused to get the corrected information from the tax department. Currently, they have our escrow amount at the wrong amount and is supposed to be XXXX less. Basically they are taking XXXX more than what they should be and is refusing to correct the issue. Then the supervisor asked me to get the information on their behalf which was the first time this was requested. I was previously told that they would get the amount from the tax assessor or send someone other there to get it. At this point, freedom mortgage is lying about my property taxes and refusing to get the correct information for the tax Assessor. Meanwhile they are taking XXXX more from us then is required. I really need help with this. We are being taken advantage of and rob by this mortgage company.
Product: Credit reporting or other personal consumer reports

TransUnion continually reports my credit score as about XXXX points lower than XXXX  or XXXX  making it hard to get a true credit score.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I have marked as inaccurate. 
XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX ending in XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app block , inc Due to inadequate customer service and unfair practices, which violate the consumer financial protection act cfpa. Specially, 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act efta, and regulations e. These action have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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: Credit card

I applied on-line for credit from CareCredit at a XXXX store in XXXX XXXX to cover emergency care expenses for a pet last year. The basic application required name, address, phone numbers, e-mail address, social security number, date of birth, housing info, monthly income from all sources. In addition must answer " yes '' if a joint application. 
Just below that section is a choice for statement delivery : either electronic delivery or paper statement. Up to this point all are blanks to fill in. But below the main application is an Ad for CardSecurity displayed in block form with dark background which appears not to be part of the application itself and with a heading in small print " Optional Card Security Enrollment Selection '' Below the Ad, it has XXXX options each with a small circle for selection :1. Learn more about this product and 2. I do not wish to enroll. It is very easy to miss. In other words you are automatically enrolled unless you notice and select I do not wish to enroll. That happened to me. Since it was an 18 month deferred payment agreement requiring only minimum monthly payments, and Auto pay was set up, I did not discover the accumulated charges of {$260.00} until this month, 12 months later.. We were being charged {$1.00} for every {$100.00} balance. And the auto payment was being applied to the deferred balance and not against the card security charge with an interest rate of 26 %.
Product: Consumer Loan

I received a call on XXXX/XXXX/2016 at XXXX indicating my payment was past due. Upon speaking with my credit union which traced my account we found thay the Honda financial system had been hacked and my name had been replaced with XXXX XXXX. I have no way of contacting Honda quickly other than by mail.
Product: Debt collection

I checked my credit report in XXXX XXXX and saw a debt from XXXX XXXX XXXX XXXX XXXX, California reporting a debt of XXXX dollars for an original creditor called XXXX XXXX. I called them to find out what this debt is and they told me I had a gym membership in California. Ive lived in Ohio since XXXX. They sent me the contract that they claim is mine, and its signed by a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only do we have different middle names, our first names are spelled different. He also has a different California drivers license number then I had when I lived in California. If anyone knows anything about drivers license numbers they would know that your id number is unique to you, much like a social security number. So if I have a California drivers license and move out of state, then moved back 30 years later, I would get the same id number I had before. Im attaching the contract they say is mine, youll see the name spelled different multiple times, a different id number then whats on my California mvr also attached, youll find the spelling of my name is different as seen on my Ohio drivers license, and if you look at my picture and the pictures taken from XXXX XXXX XXXX multiple facebook accounts, including one of him wearing a sweater from the original creditor, youll see we are in fact different people. But these incompetent people at XXXX XXXX XXXX will sit there on the phone and call you a liar, despite having been sent all the evidence.
Product: Credit reporting or other personal consumer reports

Hi, Im submitting this letter to because Ive been trying to dispute a few late payments on my account due to me enrolling in a payment pprogram with the companies, and they told Me nothing would be getting reported as I get caught up on past due amount due to me having a hardship in my business. And with my Home Depot I have late payments because the bank reversed it for some reason and as for this month I went and made the payment but it never confirmed for some reason so it caused me to get a late payment because by the time I went in on XX/XX/XXXX it was too late. Then I receive the late payment notification on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and notice that " XXXX XXXX '' is reporting inaccurate late payments on my account. I tried reaching out to the creditor and no one was able to help me out. I'm asking that you please update these payments on my account as Paid on time. As it is harming me from opening new credit lines. Thanks in advance Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit bureaus ( XXXX and Transunion )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus such as XXXX, Equifax, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX  was opened fraudulent. XXXX XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX  XXXX XXXX ( XXXX ) XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry on my credit report on XX/XX/2018. I am not applying for anything. I called the Allstate Credit bureau which is listed and they indicated I should call a XXXX XXXX I did not authorize this inquiry and it should be illegal to pull someones credit. Allstate Credit bureau also not not have a valid license to collect in the state of Michigan. I have no clue what is going on. My credit was pulled without approval by an unlicensed or bonded company in the state of Michigan.

Their inquiry or attempts to collect on anything that has not been verified or validated while they are not licensed must be cease and deleted from my reports. I am not in any way acknowledging anything because I dont know whats going on but they are not licensed if bonded. Michigan requires the license as well.

If the need is present to go to my attorney general and XXXX I will Thai is wrong Im so many levels.