23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a complaint from XXXX XXXX against XXXX XXXX , XXXX and Westlake Services LLC for improper communication tactics and repeatedly repossessing my vehicle when I was not in default on the debt. 

On XX/XX/2018, we purchased a vehicle from XXXX XXXX XXXX for {$11000.00} ( VIN XXXX ). We financed the purchase through XXXX XXXX , XXXX. Over the next 9 months, we made our regularly scheduled payments. I understand that at some point during this time, XXXX  lost its legal status in Arizona and the debt was passed to Westlake. 

On XX/XX/2018, the vehicle disappeared. We thought it had been stolen ; but as it turned out, XXXX/Westlake had sent a tow truck to repossess it. Because of the disorganization of XXXX/Westlake, we did not get the car back until XX/XX/2018. 

A Westlake representative informed me that the car had been repossessed because of a clerical error. Apparently their computer system showed another debtor as the owner. Because that debtor was in default, my car had been taken instead of his I was offered no remedy, and was assured that the problem had been fixed and there would be no further confusion. 

On XX/XX/2018, the car was again repossessed. Once again, XXXX/Westlake seemed confused and did not know the location of the vehicle. We were given no assistance in locating the vehicle, and had to do all the legwork ourselves to track it down. Fortunately we were able to retrieve the car the next day. We were once again informed that, there had been a mix-up with our vehicle and another debtor 's debt, and offered no remedy. 

Since the second repossession, we have been hassled by Westlake representatives with nonstop calls. We informed them of the mix-up between debtor accounts, but they will not listen. We told them that we had retained an attorney, but they refused to talk to him. We have asked for assurance that the money we pay toward the debt is going toward our debt, but they will not provide this documentation. 

We need assistance clearing up this problem. We have missed work because the vehicle was taken and live under constant stress because we are being hassled with dozens of calls from Westlake every day. We are scared that Westlake is going to repossess the vehicle again. We don't even know if our payments are paying down our debt or not.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Account Reporting and Demand for Resolution Experian, XXXX, XXXX XXXX Relations, I am writing to dispute the unquestionable inclusion of unauthorized late payments on my consumer report related to a North Carolina XXXX XXXX Federal Credit Union account. This blatant violation is severely impacting my creditworthiness and constitutes a grave breach of privacy. 

Under the Fair Credit Reporting Act ( FCRA ), a person is explicitly defined as any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ( 15 USC 1681a ). There is no room for interpretation here. Furthermore, 15 USC 1681a ( 2 ) ( A ) ( i ) of the FCRA unequivocally prohibits the reporting of transactions between the reporting entity and the consumer. This is not a potential violation ; it is an unmistakable breach that must be rectified. 

Even in the case of a permissible purpose, the consumer 's consent is mandatory, as dictated by 15 USC 1681a ( 2 ) ( A ) ( i ). I emphatically assert that the late payments are unverifiable due to my explicit lack of consent and the clear violation of the aforementioned legal provision. 

This dispute is also grounded in the following North Carolina laws, which do not allow for ambiguity : XXXX. North Carolina Identity Theft Protection Act ( N.C. Gen. Stat. 75-60 et seq. ) : This law directly addresses identity theft concerns and is unequivocally relevant to the unauthorized reporting of information affecting my credit. 

XXXX. North Carolina Consumer Finance Act ( N.C. Gen. Stat. 53-171 et seq. ) : This statute, without question, regulates consumer lending and provides unambiguous protections regarding the reporting of inaccurate or unauthorized information. 

I am not presenting this as a potential issue, but as a clear violation of both federal and state laws. I demand, unequivocally, that Experian, XXXX, and XXXX rectify this situation within 30 days from the receipt of this complaint by updating the account to " paid as agreed '' with no late payments. Failure to comply within this timeframe will be perceived as willful noncompliance, and Experian, XXXX, and XXXX will undoubtedly be held civilly liable for such a blatant offense. 

These disputes are not speculative ; they are grounded in the following federal and state laws : XXXX. Fair Credit Reporting Act ( FCRA ) : Specifically, the definition of a person under FCRA ( 15 USC 1681a ) and the unequivocal prohibition of reporting transactions without consumer consent, as outlined in 15 USC 1681a ( 2 ) ( A ) ( i ). 

XXXX. 15 USC 1681s-2 : This section explicitly outlines the responsibilities of furnishers of information to consumer reporting agencies and mandates the accuracy of the information provided. 

I demand your immediate and unwavering attention to this matter and expect that you will take the necessary steps to rectify this undeniable violation in accordance with both federal and North Carolina laws. 

Done in good faith.
Product: Student loan

I logged on today ( XX/XX/year> ) to view what I owe. There is an outstanding balance, but none of the loans show my amounts. Back in XXXX, I saw the same view, and thought I was one of the students whose loan is forgiven under the Biden administration since I am in the PSLF. 

The XXXX servicer and now EdFinancial Services never gave me the correct credit of untis during COVID. I've made a complaint internally wtih Edfinancial to fix that. 

Now it's XXXX and I have to pay my loan, but the screenshot clearly shows I owe nothing again. Did EdFinancial get it right? Or is there an internal error in reporting and they are not telling students in a similar situation. 

They have handled my case irresponsibly during the resuming of payments and I should be held harmless ( or owe anything ) according to my records and good standing. 

Regards, XXXX XXXX XXXX
Product: Student loan

I would like to why i have 3 different loans one of are close and there's two are the same and they did not send me a letter that they where taking my whole refund and i dont have {$17000.00} dollars to pay them back so how can i get rid of these loans for good.
Product: Credit card or prepaid card

On XX/XX/XXXX my Kohls charge card was due. Previously around the XXXX of that month I had set up Autopay and it did not go through for whatever reason. I noticed on XX/XX/XXXX and paid the {$27.00}. On XX/XX/XXXX, when trying to make XX/XX/XXXX payment I noticed there was a {$56.00} minimum payment due to late fee. I called Kohls and talked to 2 representatives, and all told me they waived the late fee since I rarely miss a payment and am a preferred customer, however I would still have to make a payment of {$56.00}. The problem, I still have to pay {$56.00} on XX/XX/XXXX even though the late fee was supposedly waived. 
1 ) On XX/XX/XXXX I set up auto pay, even though hesitant from bad experience in XX/XX/XXXX. 
2 ) For whatever reason, autopay never took payment of {$27.00} on the XX/XX/XXXX. 
3 ) I paid on XX/XX/XXXX, 2 days later, a payment of {$27.00} 4 ) I went to make a payment of {$27.00} 's on XX/XX/XXXX and noticed a late fee and min payment of {$56.00} 5 ) I called at XXXX XXXX  on the XX/XX/XXXX. I spoke with 2 KOHLS  representatives. Each representative told me they would waive the late fee, but I still have to make the payment of {$56.00} which is the late fee. I asked if they could waive it, they said they could not. 
5 ) Each representative told me that the late fee goes to my total balance of {$1000.00}, and waiving the late fee takes it to {$940.00} 6 ) They still want to charge me a minimum payment of $ XXXX-this does not seem right to me. 
7 ) When asked to speak to a supervisor, XXXX ( representative ) put me on hold and came back on with the same answer, not allowing me to speak with supervisor. 
8 ) This is not the first time I have had problems with Autopay as  Autopay took a double payment, on XX/XX/XXXX and I had to dispute that with my debit card company ( XXXX ). This occurred when I talked to a representative and they told me they could not do anything. 
9 ) I have one late payment in the whole year of XX/XX/XXXX, and am a  preferred customer at Kohls  10 ) If need documentation, i can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, CREDCO add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I keep receiving debt collection attempts for a utility bill from a company name XXXX XXXX XXXX under accout number XXXX. I have never had any business with that company, they do not provide services in my resident area and I have never lived in the area they are located. I keep receiving letter from a debt collector company online information services which I do not know. 
I talked directly to XXXX at that company and she told me the case was closed. I submited a id theft report as well. 
They keep sending me letters for a debt I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are on my credit and I fill that’s they should be removed I don’t recall all the things on my credit it’s about 50 thousand dollars of things on my credit that should be removed it’s holding me up on purchasing me a house also the things on my credit is ver old and should be removed so I can move on with my life
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be blind because everything is inconsistent.
Product: Money transfer, virtual currency, or money service

PNC Bank will not let me use my acct to verify my credentials in this app.
Product: Debt collection

I sent a complaint regarding I.C Systems to verify a debt. It has been pass XXXX days and still no verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX to inform that there are creditors that theyre allowing to report against my credit report that I have no legal binding contract with. And they informed me that I would have to get an attorney to have the items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am federal protected under the FDRA and FDCPA. Credit Acceptance violated me and are damaging my consumer report of a balance of {$15000.00}. 15 usc 1681b, 15 usc 1666b, 15 USC 1692D ( 4 ) and harassment 15 usc 1692D ( 5 ). I have kept careful Records of this situation. This account reporting on my report without my written or oral consent.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under

15 USC 1681. TRANSUNION is governed by 15 USC 1681. And they violated my rig
hts numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TRANSUNION written permission to furnish these accounts : XXXX - XXXX {$6700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - XXXX {$2700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit inquiries unauthorized Credit Plus - Dates : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXXXXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Money transfer, virtual currency, or money service

My phone was stolen on XX/XX/XXXX I called cash app trying to inform them about the situation and asked them to freeze my account or something but I have a pin which I know its impossible to guess but my phone number was unlinked from my ash app then my pin was changed which I dont understand how and all the money I had in my cash app was sent to someone else when I called cash app about this situation they said it was not fraud even though someone else sent money somehow from my cash app also after I tried to regain access to my cash app account I was unable to do so because they said I would need the pin to sign in which would be impossible I asked if there was any other verification I can do they said there wasnt I even asked them to close the cash app account so no one was using a cash app in my name with my ssn they said they could not do so because I couldnt verify which makes no sense this was justt a nightmare I tried to contact cash app multiple times about this situation or to regain access and nothing happened
Product: Mortgage

Navy Federal Credit Union ( NFCU ) violated my consumer protection rights on two basis. First, I applied for but withdrew my mortgage application, and without my consent, it was still submitted to underwriting. Second, because I was not given notice and opportunity to address the factors considered in my mortgage application, I have no choice but to believe the decision to deny my application was made based on my race. 

First, on or about XX/XX/2023, I submitted a mortgage application to NFCU. 

On XX/XX/2023, XXXX XXXX, NMLS ID # XXXX, of NFCU contacted me and inquired of information from me regarding my application. XXXX XXXX informed me that i should lower my requested loan amount by {$100000.00}, from {$500000.00} to {$400000.00} due to debt to oncome ration from my student loans. XXXX XXXX informed that otherwise, my application would be denied. I instructed XXXX XXXX to hold my application before sending to underwriting because I would not be able to purchase a home with the suggested loan request in a high cost of living metropolitan area. XXXX XXXX informed me that I would have the opportunity to submit documents indicating my true debt monthly payments to underwriting. After conducting further research, on that same day of XX/XX/2023, I learned that I pre-qualified with another lender with the requested amount of {$500000.00}. 

Subsequently, on XX/XX/2023, I exercised my right to rescind my mortgage application by providing written and oral notification to withdrawing my application. Hence, at this juncture the application should have been reported as a withdrawn application. 

Second, yet, without my consent, XXXX XXXX forwarded this application to underwriting. I was never notified that application was moving forward and I was additionally never given the opportunity to submit evidence regarding my monthly student loan debt payments. 

Nearly a month later, XX/XX/2023 at XXXX XXXX in the morning, I received notice that NFCU took adverse action and not only forwarded the application to underwriting, without my consent, but denied it. The denial allows NFCU to report the application as denied, instead of withdrawn. This adverse action affects my credit and credit oppurtunity to buy a home as an African-American single woman. It further affects the reportable data of denied home applications, specifically as it pertains to the home mortgage application approval gap between XXXX XXXX and other races. This widens the existing disparity. I believe NFCU took the adverse action based on my race, as I was not given notice and opportunity to address the factors considered in my mortgage application.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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: Checking or savings account

I purchased an invisible aligner for {$1800.00} on XX/XX/XXXX. Followed up the instruction for 18 months. No result at all. Called XXXX XXXX  and they said they will send me another kit. Never received it. Called them again on XX/XX/XXXX. Now my case is closed because they never received my impression kit. However, according to the record, it was delivered on XX/XX/XXXX, XXXX AM, XXXX, OH ( XXXX XXXX : XXXX ). I tried getting help from the Bank but they can not do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

im am writing in regards to transunion reporting inaccurate information on my credit report. i have no acknowledge of the XXXX XXXX account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA..failure to comply with this complaint will result in a lawsuit in smalll claims court.ive already contacted a consumer protection lawyer who will be dealing with XXXX XXXX
Product: Credit card or prepaid card

I have a loan with BESTBUY/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BESTBUY/CBNA were no successful resolution. XXXX  and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018
Product: Checking or savings account

Requested that PNC close my account on XX/XX/XXXX. Account has still not been closed as of XX/XX/XXXX. Also they have refused to pay out my {$200.00} new account bonus still and I would like them investigated for this fraud.
Product: Debt collection

LTD financial services responded to a previous complaint with regards to their failure to validate a debt. In the response they claim to have updated my account reflecting that I have asked for validation. In the response however, the Refer to a XXXX XXXX. Neither I nor my wife 's name are XXXX XXXX. I am XXXX XXXX, and my wife 's name is XXXX XXXX in the complaint. Our complaint is not resolved. This is unacceptable. I would like to avoid seeking legal recourse. Validate the Claim of XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This Citicard cbna account is not my account. It should not be on my report. Ive contacted this business and they stated they would correct this matter by removing from my credit report. I would like this to be removed immediately which is causing me denials on credit applications.
Product: Money transfer, virtual currency, or money service

In XXXX, I sent XXXX to my contractor from my business account XXXX XXXX XXXX at XXXX XXXX XXXX to my contractor 's business account - XXXX XXXX XXXX at Navy Federal Credit Union. Owner of account is XXXX XXXX. Because she wasn't able to receive the funds, I did a wire recall with XXXX wire department. After months of waiting, I decided to do a XXXX report and XXXX was able to get the funds back, upon receipt, they said Navy requested the funds back, I called my contractor and she said she never did a recall to get it back. XXXX has sent my funds to navy and Navy is stating it was sent the wrong way so they are holding on to my funds- which is theft!!! I've been waiting for a few months for this to be resolved and it isn't so now I'm reporting Navy Federal for stealing my MONEY!! 

XX/XX/XXXX XXXX XXXX sent my funds back to Navy Federal, below is the info : IMAD # : XXXX TRN # : XXXX The original case # with XXXX is : XXXX I would like to know where my funds XXXX sent to Navy is and I want Navy to send them back to my Business XXXX account so XXXX can give me my funds!! This has caused me pain, suffering, and stress for my business. I am reporting Navy and XXXX for not resolving this matter. 

Thanks
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies, by certain creditors listed on my credit report.

According to Section 1681s2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiple discrepancies and inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX ] : The reported balance and payment history of this account are incorrect and do not align with my records. I have documentation, including account statements and payment receipts, that substantiate my claims. This violation undermines the integrity and accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notification that there was a hard inquiry on my credit report from XXXX XXXXXXXX XXXX XXXXXXXX. As I did not apply for any loans from XXXXXXXX XXXX XXXX XXXXXXXX, I contacted the bank to check using my name, phone, address and SSN if there was any account in my name opened and they verified that they had no accounts/ loans open with my information. On XX/XX/XXXX, I froze all XXXX credit reports. I was advised by a XXXX customer service reprsentation to file this report to gather evidence to support that the hard inquiry by XXXX XXXX was either fraud or done in error
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person