23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/2022 LVNV funding called my work number and spoke with my boss also my brother about a debt that I owe. The collar kept insisting that it was XXXX that he was speaking to when he in fact was speaking to XXXX he stated that I needed to take care of this debt or they were going to take me to court or has told the gentleman three times that he was not me and that they had been told previously not to call the work number they had my personal cell phone number. I do believe that this is a breach of my privacy especially since I never authorized or entered into a contract with them and I never gave permission for anybody to share my personal information with a third party! I feel that I am entitled to compensation and I believe that lvnv funding needs to correct this and remove those negative items from my credit reports. I filed a grievance with a XXXX XXXX XXXX against them against XXXX and XXXX they kick the XXXX and XXXX back saying that that was not an issue with them I had to take it up with LVNV. Prior to this my brother had agreed to cosign a loan in the amount of {$15000.00} for myself to make necessary repairs on my house since then he has decided against this because of this action this has really hurt me financially and I don't think they should be able to get away with it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is incorrect personal information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

West Lake Financial Attn : Customer Service XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX Subject : Complaint Against West Lake Financial for Credit Violations and Request for Removal from Credit Profile Dear Sir/Madam, I am writing to file a formal complaint against West Lake Financial regarding their violation of credit laws and to request the removal of negative information from my credit profile. I believe that West Lake Financial has engaged in unfair and deceptive practices that have adversely affected my creditworthiness and financial well-being. I respectfully request your immediate attention to this matter. 

To provide some context, I had an account with West Lake Financial that was closed on [ Date ]. Since the closure of the account, I have discovered several instances where West Lake Financial has violated credit laws, resulting in significant damage to my credit profile. 

Firstly, West Lake Financial has inaccurately reported negative information to the credit bureaus. This includes late payments, which were not valid and were not reflective of my actual payment history. These inaccuracies have had a detrimental impact on my credit score and have made it challenging for me to obtain credit or secure favorable interest rates. 

Furthermore, West Lake Financial has engaged in unfair and deceptive practices by failing to provide accurate and timely information regarding my account. Despite multiple attempts to obtain accurate account statements and payment history, I have been met with delays and unresponsiveness from West Lake Financial 's customer service representatives. 

I kindly request that West Lake Financial rectifies the inaccuracies in my credit profile and takes immediate action to remove any negative information that was reported in violation of credit laws. I also request that West Lake Financial conducts a thorough investigation into their practices and takes appropriate measures to prevent similar violations from occurring in the future. 

Enclosed with this letter, please find copies of relevant documents such as account statements, payment receipts, and any correspondence with West Lake Financial. These documents serve as evidence of the violations and the negative impact they have had on my credit profile. 

I urge West Lake Financial to address this matter promptly and to provide me with written confirmation of the actions taken to resolve the violations and remove the inaccurate information from my credit profile. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal remedies available to me. 

I appreciate your immediate attention to this matter and expect a timely response within [ number of days ] of receiving this letter. Please provide me with updates regarding the progress of this complaint and any further actions I should take. 

Thank you for your prompt consideration and cooperation in resolving this issue. 

Sincerely XXXX XXXX
Product: Checking or savings account

My claim fraud claim # XXXX was denied. 

I was at the hospital when the transactions were made my whole purse was stolen. XXXX is XXXX. 
I gave them a copy of my hospital stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$3100.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 


INCORRECT ADDRESS : XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV  XXXX INCORRECT NAME Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INCORRECT Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX INCORRECT Employment Data Reported : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize or open SELFHELP, this account is a fraud. This is a clear case of identity theft, and you do not have my consent to use my personal information, including my SSN. The lack of a signed contract or agreement further proves that this collection is fraudulent. Under 15 U.S.C. 1666b, 15 U.S.C. 1692g, and 15 U.S.C. 1692k, I demand that this account be removed from my credit report immediately. 


**SBNASELFLNDR** Status : Closed, Paid Original balance : {$720.00} Late Payments : XX/XX/2022 ( 30 days ), XX/XX/2022 ( 60 days ) Violation : The reporting of late payments violates 15 USC 1681e ( b ) and 15 USC 1681c-2 . There is no proof provided that payments were made. Please remove late payments immediately. DELETE THE ACCOUNT OR REMOVE LATE PAYMENTS I DO NOT WANT THIS ACCOUNT TO REPORT IF YOUR COMPANY IS GOING TO CONTINUE TO VIOLATE MY RIGHTS WITH INACCURACIES.

Violations of Consumer Rights : False Reporting and Misrepresentation : Your agency has inaccurately reported this account under my name without providing any validation or authorization from my side. This constitutes a violation of 15 USC 1692e ( 5 ), as false representation and deceptive practices are being used to collect an illegitimate debt.

Unauthorized Use of My Social Security Number : You have reported and attempted to collect this debt using my Social Security Number ( SSN ) without my consent, which is a serious violation of my privacy and identity.

Failure to Validate the Debt : Under 15 USC 1692g, I have not received any valid proof of this debt, and your failure to provide appropriate documentation to verify this debt constitutes a violation of FDCPA guidelines.

Identity Theft and Fraud : This account was opened fraudulently, without my knowledge or consent, and is a clear instance of identity theft. As such, this is also a violation of the FCRA and FDCPA. Under these laws, you are required to investigate and delete fraudulent accounts immediately.

5. Refusal to Remove and Update Failure to comply with my demands for removal, deletion, and updates of these fraudulent accounts will result in arbitration and potential legal action. By refusing to update my credit report accurately, you are further violating 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681i ( 5 ). The ongoing inaccurate reporting of these accounts will lead to statutory damages and claims for false reporting under the FCRA.

6. Potential for Arbitration and Damages If my demands are not met within 30 days, I will seek arbitration for statutory damages due to false reporting and violations of the FCRA and FDCPA. The damages resulting from inaccurate information will be sought to the fullest extent of the law.

7. Authorization and Verification I am the only debtor who can verify the legitimacy of any accounts under my name. I hereby demand that you delete all the negative items, unverifiable accounts, and inaccurate reports associated with my credit profile. Cease and desist all further communication and collection attempts immediately.
Product: Credit reporting or other personal consumer reports

Hello On XX/XX/2021 I made a final payment of {$6000.00} to CARMAX Auto finance to settle my debt. In our agreement this would be reported to all of the credit bureaus so that the information could be properly updated and the negative status of charged off, closed as bad debt, and any other incorrect negative status. Could be removed. 

Since that time I have applied for credit cards, auto loans, and even a mortgage with the results being that I am not accepted due to a negative status account on my credit report. One company even directly told me that it is the status of the CARMAX account that is hurting my ability to be approved. I have listed the status that is being shown from each bureau which has negatively impacted my life. 

I have a documentation letter stating that this debt has been paid per our agreement and it will be reported properly. 

Parties involved. 
CARMAX AUTO FINANCE XXXX - CHARGE_OFF XXXX - Account paid in Full was a Charge-off XXXX - Paid in settlement. {$20000.00} written off.
Product: Vehicle loan or lease

I lost my job and I can't afford my car payment and I'm {$1800.00} behind and I try to get them to work with me or refinance and they said they couldn't
Product: Debt collection

I am aware of this debt, i did not recieve a opportuinty to disput this debt. I also didn't get properr notification, if in fact you belive I did receive proper notification, please provide the certified mail receipt with my name on it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 03/15/2024, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. 
Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Everything has to be 100 % accurate on my credit report. 
Account name : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  etc., XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 an account without written my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has once again reinserted accounts that have already been proven invalid and they are continuing to do so every other month. this has to stop!!! They are in constant violations of consumer law FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the credit report and here I listed the tracking numbers of the letters I sent out to the credit bureaus # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. 
Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
- Authentic Persona information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Employer : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Last night I got an alert that was emailed to me from citibank, saying I had an alert concerning funds availability. I tried to view the letter and could not ..so I got on the mobile app and again had no access, went to citi online same thing .It was late so I decided to call the next morning which is today XX/XX/2020. I tried to access my account online and had no access.I then called citi bank and they asked me if I had had any knowledge of a deposite made to my account ..I told them that the purpose of the online account was for my unemployment to be direct deposited and that I did fill out an application for a loan that was supposed to be deposited ..but was not sure if this alert came from that loan being deposited in my account or not because of the simple fact I was completely locked out of my account and was not given the right to view the check that was deposited .The lady then said she was going to close my account because my account was compromised. I do believe that I have the right to view any documents that pretain to my account ... and to be fairly treated. The loan would be comming from the XXXX XXXX in the amount XXXX or XXXX. I do believe I am being mistreated and harrased by the company ..I have had my account blocked numerous of times when I did nothing wrong. I have no document to upload because I have no access to my account period. I did last night online with Live chat inform the representative that I may have a loan being deposited into my account ..I am just disgusted with how bad I'm being treated. This is not the first time I have been completely locked out of my account ..this is the third time in one month. I don't know if they understand that we are in the mist of a World wide Pandemic..and to cute me off from my only resource is appauling. What happened to customer service or just the being a decent human being?? just to note..I have no documents to upload because I can not access my account at all.
Product: Consumer Loan

I received a cash advance. When it was due I called and asked for a 4 day extension. I was denied for the first time in 5 years. I was told by " XXXX '' that the check would be deposited in two days knowing that my check will bounce. Then she said that I 'd have a $ XXXX fee from Amscot and XXXX {$35.00} return check charge from my bank. I told her that my mortgage payment will bounce. I was never told that I could n't receive an extension, nor was I offered any other assistance. 

I called the Corporate Office and was told the same, except she said that had I called earlier I could have received assistance. I called XXXX/XXXX/15.
Product: Money transfer, virtual currency, or money service

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 etfective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was untair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transter Act ( EFTA ) and Regulation E. These actions have caused signiticant inconvenience and Tinancial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX  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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have about {$XXXX} in federal student loan debt which was initially serviced by Nelnet. The balance was transferred to XXXX because I enrolled in XXXX. 

I recently completed an XXXX background check which showed about {$XXXX} in federal student loan debt. XXXX is counting my loan balance twice, once with XXXX and once with Nelnet. I submitted a dispute with XXXX for each Nelnet loan on the credit report. Im unsure if this is an error by XXXX, or by Nelnet  or XXXX. 

I am in the process of applying for rental housing, and will be trying to finance a car in the near future. I am worried that my credit reports showing twice the amount of debt that I actually have will hurt me in one or both of these processes.
Product: Debt collection

Received twXXXX notices from Linebarger Goggan Blair & Sampson , LLP state that I owed amount of {$53.00} for Vehicle License Plate # XXXX, which this license plate is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hasn't has cancelled several disputes involving the use my report. I never gave consent to Equifax and is violating my rights a s a consumer by reporting false information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called Pacer she also said whoever filed the bankruptcies did it themselves no attorney was involved. 
I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. 
I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.
Product: Credit card

Chase upped our interest rate to 27.9 %. Despite calls to several people and despite many years as a customer and despite the current market interest rates, they refuse to lower the rate. We have had several times where we were late but we have always paid the minimum payment and many times more that the minimum balance. This interest rate is predatory for customers.