23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am the agent on behalf of XXXX XXXXXXXX XXXX. I have the capacity to contract but I am facing significant issues with Elan Financial Services who is owned by U.S.Bank.Elan Financial Services has been negligently violating a number of my rights under the United States Constitution.I 've expressed to them that all bills are the obligation of the United States which is shown in the United States Constitution Article 1 section ( 10 ), Article IV. I've also expressed that the Federal Reserve Act Section 16 also states that bills are the obligation of the United States. As well as 18 usc 8 stating that bills are in fact the obligation of the United States.Additionally 15 U.S.C. 1601 lets me know the informed use of credit which protects consumers from unfaircredit billing and credit card practices.I 've also expressed that the Bill of Exchange Act 1882 states that all bills are billsof exchange and gives a step by step guide on how to endorse bills.

Elan Financial Services received my first notice on XX/XX/2023 which was my claim of credits notice. I also gave specific instructions for the CFO to apply the principals balance to the principals account for each and every billing cycle for set off.Elan Financial Services received in the notice my letter of instructions, endorsed bill, durable power of attorney, and a copy of the Federal Reserve Act Section 16 showing their violations. After Elan Financial Services received my first notice I got a response letter dated XX/XX/2023 stating that my endorsed bill/ negotiable instrument had no meaning and that I am still liable to pay my account. 
As a result of non compliance I sent my second notice that was received on XX/XX/2023 which was the Opportunity to Cure. This notice contained all of the contents that were in the first notice along with Federal Reserve Act Section 29 which emphasized tier two. I waited five business days and did not receive any response or set-off to my account.

Again, after non compliance I sent Elan Financial Services a third notice which was my Notice of Default packet which contained all the contents that were in the Opportunity to Cure notice along with Federal Reserve Act Section 29 with tier three emphasized. I waited another five business days once they received my final notice and I still did not get a response or set-off to my account.

At this point Elan Financial Services is blatantly ignoring my clear direct instructions as the original creditor to this account and agent of the principal. I have done everything in my power to handle this matter civilly but Elan Financial Services refuses to accept my endorsed bill/ negotiable instrument to satisfy the principals account. 
As a result I am being extorted and I have not been able to fulfill my agent duties and obligations to XXXX XXXXXXXX XXXX I the agent am submitting this complaint in efforts to rectify this situation which is a direct attack on the U.S. Constitution and receive a full set off for XXXXXXXX XXXX  account for each and every billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX opened up a revolving line of credit, bank card, that is not my account. 
The local bank identified it as fraud, unauthorized user. 
A report came from the FTC describing a breach. 
Hired a credit repair firm, the account has not been removed from credit. 
The breach is not the same as receiving spam alerts and or humantraficking inquiries. 
Reported to the local police department and to the three credit agencies. 
I'd requested permission by an attorney, XXXX XXXX XXXX and I was told, " your not a criminal. '' There should be absolutely XXXX medical collections, recorded, against federal law. 
HIPAA violations should not be investigated outside of the United States. XXXX, XXXX XXXX. 
Medical fraud has shut down health insurance accounts, so person ( s ) could not steal up to one million, annual, health insurance coverage.
Product: Debt collection

After reviewing my credit report i have noted some discrepancy on Account Number XXXX XXXX  CAINE & WEINER COMPANY INC validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Product: Credit reporting or other personal consumer reports

There have been XXXX instances in the past XXXX months where XXXX XXXX has incorrectly reported me XXXX days past due. I always pay online, or through the XXXX both times I was reported late was because their systems were down due to maintenance. I have contacted them both times and made them fully aware that I could not make my payments due to their systems being down. They did not acknowledge my complaints and would not correct my payments being late. This is a direct violation against FCRA.
Product: Money transfer, virtual currency, or money service

My transferwise account was deactivated on XX/XX/XXXX, I have a balance of approximately {$770.00}
Product: Money transfer, virtual currency, or money service

I have been locked out of my Coinbase.com account pending id verification, which I have submitted numerous times incidentally, since XX/XX/XXXX without even a peep of support follow up from Coinbase. They have never replied to any support request I have submitted in spite of the fact that I deposited money when I originally opened the account.
Product: Credit card or prepaid card

Starting in XXXX of XXXX, Citibank began charging me a penalty interest rate of 29.99 %. 
It is now XXXX XXXX, XXXX and I have never had any notification from Citibank that they have reviewed or made any effort to review my payments being on time. I have just recently become aware of the passage of the Credit Card Accountability, Responsibility and Disclosure, or Credit CARD, Act of 2009. The law seems to require that after 6 payments are made on time, the credit card issuer must review the penalty interest rate and return the interest rate to its original rate. 
I called Citibank customer service on XXXX XXXX XXXX and asked about having the penalty interest rate lowered. The person I spoke with said that I am required to make 6 payments on time AND each of those payments must pay the balance in full. 
Is this correct under the law? 
I then called again on XXXX XXXX, XXXX and the person I spoke with said he had checked with a supervisor and that the interest rate can not be lowered " because of the performance of the account ''. I do not have any idea what that means. That person told me they would send me a letter in 5-7 days explaining. I have not received any letter explaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a hard inquiry that is not mine or is Identity theft. I did not consent to this inquiry & I feel I am a victim of identity theft.
Product: Debt collection

They keep sending mail through the USPS about this debt every month, threatening me with a default on agreement. I pay them every month and they still send these letters. I have proof of payment through screenshots of my bank statements and the confirmation processed from their website. They still keep harassing me. This month they sent two letters. It is causing me a lot of stress and XXXX  and it's triggering my XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Marcus by Goldman sold their loan portfolio to XXXX XXXX XXXX in 2023. This included my personal loan which never had any repayment issues and was actually ahead of repayment schedule. Original Amount XXXX, current balance < XXXX. 

I was never contacted by MARCUS to advise they'd be selling my Social Security Number, Date of Birth, Mailing Address, Employment History and personal banking information to a Third Party with a background in Debt Collection ; I want no association with such a lender as I maintain XXXX - XXXX XXXX Scores across multiple agencies and would see business with XXXX  as negative information on my reports due to association with a known debt relief/credit repair/credit collection firm. 

All I want to do is payoff MARCUS and not have any financial connection to XXXX XXXX XXXX, as I do not appreciate their business model and I never requested their service ( s ). MARCUS never notified me, their customer, and did not protect my PII from a 3rd party with an unsecure website. Just waiting to be scammed from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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, credit repair services, or other personal consumer reports

I am filing this complaint because on XX/XX/XXXX and XX/XX/XXXX, I requested validation of information reported by Lexis Nexis to the Credit Bureaus. Based upon my own personal research it appears that Lexis Nexis is in violation of multiple consumer laws by furnishing unauthorized, and unverifiable information on my behalf without my written consent. By reporting this information, it has terribly harmed my ability to obtain credit and caused great harm to my financial well-being. I demand that this information be deleted based on the premise that the company is not following the consumer laws guidelines. The item in question is an alleged XXXX  XXXX Bankruptcy. I demand Lexis Nexis delete and remove this unauthorized, inaccurate, and unverifiable information on all company consumer reporting lists. I have attached my supporting documentation to this complaint. It is my understanding that you will recheck these items. Under Disclosures to consumers 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, under Compliance procedures 15 U.S.C. 1681e ( b ) Accuracy of report. 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. You, Lexis Nexis are in violation of multiple consumer laws : 15 USC 1681 ( a ) ( 4 ) Infringed upon a consumers rights to privacy, 15 USC 1681b ( a ) ( 2 ) No Permissible purposes/No written instruction from me the consumer to furnish this information. Additionally, failure to validate the accuracy of the information you have reported as per my requests on XX/XX/XXXX and XX/XX/XXXX. I never gave Lexis Nexis any written consent to report anything on my consumer reports, no consent is fraud. I am also requesting Lexis Nexis must provide me with their Investigative consumer report per 15 USC1681 a ( e ) as required by law.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking to verify : XXXX XXXXXXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES IS IN VIOLATION OF ; 15 U.S.C 1681b. ( a ) ( 2 ) 15 U.S.C 1681. ( a ) ( 4 ) specifically in regards to ; -consumer privacy -NO written instructions from consumer to furnish information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from experian, XXXX, or XXXX. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.
Product: Credit card

i paid XXXX for services i did not receive.i was repeatedly promised i would get a website that would be very profitable.i know this business never planned to provide the products or services promised me.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX. MY NAME IS NOT XXXX XXXX OR XXXX XXXX XXXX. I AM NOT XXXX XXXX. I BELIVE THAT THE INFORMATION ON MY CREDIT REPORTING IS INCORRECT AND FRAUDULENT PER THE ACCOUNTS OR FTCS LISTED ON MY CREDIT REPORT. 
18 USC 1028A 15 USC 1681s-2 ( a ) ( 1 ) ( a ) I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8. 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. I did not authorize anyone employed by any of the listed corporations to make such an inquiry and view my credit report. My rights have been violated according to the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is also a breach of my privacy rights.

15 U.S.C 1681 Section 602 A. Clearly states that 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. I have not given permission to furnish any of my information.
Product: Credit card

I received paperwork in the mail in an envelope marked as Chase bank about two months ago. It included a XXXX and an XXXX form. These forms were accompanied by a letter claiming that I needed to fill these out and return them to Chase Bank or my credit card account could potentially be closed. This all seemed very scammy to me so I called Chase to Verify. Long story short, I spent over an hour on the phone with about XXXX different people from Chase Bank. The first XXXX told me these documents were not sent by the Bank and that I should not fill them out and that my account was n't notated in any way that forms were required. The last person I spoke with said he recognized the forms and that they send them out for information verification but that my account was n't notated to need the forms. I was reassured by this person several times that my account would n't be closed and there was nothing further I needed to do. The organization and confusion level of this company astounds me. No one could verify that these forms were legitimately sent to me. Now here I am, two months later, with a closed account. I was never notified of the account closure. I used the card a week ago and noticed it was closed when I went to pay it yesterday. I did n't receive an email or any form of notification for that matter. When I called Chase to complain, I did n't even receive an apology. The person I spoke with informed that I received bad information from those that I spoke with at Chase and that my account was closed due to failure to send in the above mentioned forms. He also informed that the only way to get my account reopened was to mail them this information and continue to call and check on my account. He stated that they would n't be calling me and that I would personally have to push the issue. This whole situation is laughable and I would never have fathomed that JP Morgan Chase would have such pitiful customer service. I have never paid late on my account and have been a loyal customer for years. They should treat their customers better.
Product: Debt collection

Iam making a final goodwill attempt to have you clear uo this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of 15usc1681, for not properly verified the accuracy of any of the provided accounts i have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, i can pursue litigation to enforce my rights under the FCRA.. i demand my right to be acknowledged to these company immediately. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment resulted from a misunderstanding regarding the payment due date, which was incorrectly communicated to me by XXXX XXXX. I made the payment on time according to the information I had, but due to this miscommunication, the payment was recorded as late. This does not accurately reflect my payment behavior, and the late payment mark should be removed. 
Evidence Provided : Bank statements showing the payment was made according to the information provided. 
Correspondence from XXXX XXXXXXXX acknowledging the communication error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not investigating my dispute with XXXXXXXX XXXX XXXX for account number XXXX because if they had, they would've known there has never been any payments made from me in XX/XX/XXXX-XX/XX/XXXX. There could not have been any verification because there was never payments made on that account. They have updated my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. This has significantly affected my credit score while I am in the process of purchasing my first home. If this is not deleted IMMEDIATELY, I will be forced to file a lawsuit. If me purchasing a house is affected by this inaccuracy, I am filing a lawsuit IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Unauthorized items on my credit report, resulting from the fraudulent use of my personal information, continue to cause significant harm. I have never benefited from these transactions and have taken the appropriate steps by promptly filing a report with the Federal Trade Commission ( FTC ). Despite following the necessary procedures to address this issue, these fraudulent items remain on my report. Dealing with the ongoing effects of someone else 's misuse of my information has been incredibly frustrating. The continued presence of these unauthorized accounts negatively impacts my financial standing and violates my rights as a consumer.
Product: Credit card or prepaid card

i called to dispute some transactions on XX/XX/XXXX XXXX 2020 for my us relia bank card they sent me a new card but put a fraud lock on it, i have faxed documentation over twice and they have not reviwed it ts been almost 4 weeks and i still cant access my card
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling with my mortgage company in reporting my correct information. I have an account with XXXX XXXX and one bureau is reporting it as negative and being included in a bankruptcy, however XXXX did a loan modification and the payment history should be reporting perfectly on all three bureaus for some time. It's not a charge off loan. I really need your company 's help in getting this resolved. I have requested information from XXXX and from Experian to report the information correctly and I can't seem to get anything resolved. I really need your intervention.