23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear WFC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that WFC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for WFC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that WFC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WFC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

I 've received multiple calls, I believe 5 in total, about my husband 's private student loans, which he acquired long before we were married and I 'm not a cosigner on any of these loans. In fact, my personal cellphone, name or any other information is not listed anywhere on loan contracts or other paper work, ie. collection notices. First time I received a call fro m Constar Financial Services , I was very confused how they acquired my phone number and why am I even receiving this call. I asked them not to contact me again. Unfortunately, received several more calls in the next few months.
Product: Credit reporting or other personal consumer reports

I have XXXX open credit cards with company. All have a XXXX balance and was never late.

not all accounts are being reported and a XXXX balance is being reported on XXXX. 
All credit agencies need to be updated with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Always be in my attention that I would like you to remove this inaccurate account as required by law 605b of the FCRA. Consequently, I am submitting this formal CFPB Complaint to establish a legal recourse which is reporting inaccurately due to identity theft, I will be left with no choice but to escalate the matter to my attorney and initiate legal action against the Credit Bureau. I trust you understand my intentions here and will comply with the law by removing the account below, which is fraudulent and was opened without my knowledge or consent : US DEPT ED XXXX Balance Owed : {$39000.00}. Remove this account as soon as possible.
Product: Debt collection

First and foremost, This complaint is not related to ANY previous complaint. This complaint is a NEW complaint relating to COMMUNICATION which has NOT been previously complained of. The only relation is the respondent Chase JP Morgan. 
Chase JP Morgan has violated the federal Act 1006.6 Communications in connection with debt collection.

( c ) Communications with a consumerafter refusal to pay or cease communication notice. 
The evidence that can be found In the previous response from CHASE to CFPB is just that, Evidence admission noticing the Federal Agency CFPB they were in receipt of consumer letter to Cease and Desist and that Chase would be complying and adhere to that request Chase by XXXX XXXX evidence that first fact of which is that CHASE indicates receipt of notice to CEASE & Desist this is not competing claim put-forth nor is the complaint the same as any previous investigation by complaint. 
The previous complaint about unverified debt, and debt collector practice of not VALIDATING the debt is not the same of this complaint of COMMUNICATION violation of the aforementioned Federal statute. Again, the proof found in their, Chase JP Morgans, own statement suggest that the matter put-forth in this NEW complaint is TRUE. 
Attached is proofs of mailings and letters to prove beyond any reasonable doubt Chase has in fact violated 1006.6 Communications in connection with debt collection by mail correspondence which occurs almost daily with mailing in the mail box or left on property porch such as a BOX of documents is harassment ( see photos ). Today a stapled sheets of 24in x 5in documents came of my personal account information arrived in the mail box without cover ( see Photo Chase 2 and 3 ), envelope or mailing package but mere OPEN stampled documents of personal account information, name, account number, and other personal private info open to the public to read with no need to know. One mailed without envelope and the other smaller documents in an envelope ( see Chase 2 and 3 phots attached ) ( FDCPA ) federal law limits what debt collectors can do and what communication and whom such communication can be had when attempting to collect a debt. Confidentiality must be maintained and revealing personal information that includes my phone number in unsealed mailings violated privacy
Product: Debt collection

They are reporting XXXX accounts XXXX and XXXX I do n't not owe them a dime. I paid XXXX to original creditor XXXX XXXX XXXX XXXX XXXX paid in full. They do n't not have the right to report it to the credit bureaus as they do not own the accounts they are a third party. It 's only suppose to be XXXX account and they did duplicate accounts. I talk to XXXX XXXX XXXX paid them XXXX and verified there was only XXXX account. They are reporting inaccurate information to my credit bureaus. I do not owe them a dime I paid home shopping net in full XXXX!!
Product: Vehicle loan or lease

After reviewing the loan contract Im confused as to how my total sales price is {$18000.00} if the total amount financed was only {$15000.00} and I put down {$2500.00}. Please assist me, seems like this is a fraudulent contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX, XXXX XXXX, and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit card or prepaid card

I have received a Visa gift card for {$200.00} from my friend which was purchased from a XXXX store on XX/XX/XXXX XXXX when I tried to use the gift card, the balance was XXXX XXXX Up on looking into the history of the transactions, the card was used by someone else on XX/XX/2022 at " XXXX XXXX XXXX ''. There were no visible signs that gift card was opened before. it was sealed when I opened the card. This is definitely part of a bigger scam where they know the card numbers and they were able to use it once the card was purchased. I've opened a dispute with the company Incomm Payments ( XXXX XXXX XXXX ) on XX/XX/2022 and the dispute got declined on XX/XX/2022 without providing any details. I've asked for reason for declining but couldn't get any details. Company should be able to verify how many times this card was checked for balance on their website, dates and IP addresses. they could easily find if a card was checked for balance before the activation date or not. 

companies are not doing enough to protect the consumers from unauthorized gift card transactions and scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated violated the Gramm-Leach-Bliley Act ( 15usc6802 ) they never sent me the proper disclosures, one of which would've given me the ability to opt out of having my information reported to third parties ( XXXX, XXXX, and XXXX XXXX They also violated the Fair Credit Reporting Act 15usc1681a ( 2 ) ( A ) ( i ) by furnishing information regarding utilization but according to the law it says transactions and experiences between me ( the consumer ) and them ( person, continental finance LLC ) are excluded from my consumer report, utilization would fall under the category of an experience.
Product: Student loan

Mohela won't tell me if they are processing my teacher loan forgiveness ( not pslf but the teacher one ) form or when it will be processed. The website said it would be processed within 10 business days but it has been longer than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to keep fraud alerts on my credit profile. And will not remove them.
Product: Debt collection

The collection agency is sending false information about a debt to the credit beauros. They are not providing enough info related to my debt that they are trying to collect. I sent a dispute letter to this collection agency asking them to verify the debt but the company is sending their computer screenshots and saying that its a valid debt. 

I contacted the the supposed original creditor XXXX and they acknoledged that the debt shouldnt have been reported in the first place. I got a call from XXXX saying that they would delete this negative item from my credit report and they promptly removed it. 

On the other hand, LJ Ross is reporting this debt as a deliquent account and hurting my credit. This js absolutly unacceptable. They would need to contact XXXX regarding this debt and verify the validity of this debt and remove this item from all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are lost/stolen and fraudulent charges and transactions are on the accounts : XXXX XXXX/XXXX, {$3400.00} and XXXX XXXX  XXXX, {$1400.00}. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX VISA, {$270.00} and XXXX XXXX XXXX XXXX, {$30000.00}. The following credit inquiries are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX ( XXXX XXXX ),  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have a Bankruptcy listed in my/our Credit Files ... ... ....!! 

I/WE DID NOT FILE BANKRUPTCY!! I have spoken at length to the Court House here in XXXX and they have NO record of said Bankruptcy. I have requested that it be removed and these Agencies, which I believe actually work with ID thieves, refuse to remove this erroneous information. They have had this in my/our credit files since XX/XX/XXXX, the same year someone filed a XX/XX/XXXXFederal Tax Return in my name only, and we have filed a JOINT Return since XX/XX/XXXX?!?! They have flat out refused to remove it. From XX/XX/XXXX-XX/XX/XXXX I was in XXXX dealing with a XXXX XXXX XXXX our daughter was having!!! Either these " Credit Reporting '' Agencies are above board or they're the reason why ID theft is on the rise. Perhaps they work with these thieves, then the fraudulent companies that profess to clean up your credit report ; I don't put anything past anyone. All I know is, I/WE did NOT file bankruptcy in XX/XX/XXXX, and the Court House has no proof that any Bankruptcy was filed, cause they WOULD have proof of payment because it COSTS money to file bankruptcy!! These " credit reporting '' Agencies seem to be nothing more than a portal into ones personal information, particularly of late with all their " breaches??? '' This FALSE item has cost us 10 's of thousands of dollars!!! This is the final attempt to do this without Litigation, because if we have to Sue, we will be coming for the BIG BUCKS!! Cause this XXXX has to stop!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( XXXX ), XXXX XXXX : Account No. is XXXX ( {$7500.00} ), XXXX XXXX : Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX Account No. XXXX ( {$2000.00} ) has violated my rights. 

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

15 U.S.C. 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 the information is inaccurate.
Product: Checking or savings account

I recently changed my direct deposit information with my job putting in my last three numbers of my account number incorrectly causing my check to go the the wrong account. The account number that was put in ending in XXXX when my correct account number ends withXXXX. I contacted the bank to discuss this matter. I was told there was nothing I could do because the member that the money was sent to had already use the funds. As a result of that, they had to wait for him to send the money back to them in order to credit my account. It is unfair to me because I work hard for my money and the name on the account should have been checked despite the account number being incorrect. This is unethical and unprofessional. Things like this show customers that they are not entitled to mistakes. I think that this is also theft from the Navy Federal member knowing that the funds were not his.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter on XX/XX/XXXX XXXX i told the credit Bureaus to investigate the Inaccurate information on the accounts i have listed below. I Also have the letter attached with the tracking number. 

According to the FCRA the term " Investigate 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 was verified as accurate how is that possible if i have proof they did not do a proper investigation according to the law. Also these accounts are still reporting inaccurate information. According to the FRCA 15 USC 1681 everything must be 100 % accurate. the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it
Product: Payday loan, title loan, or personal loan

Notice of Fault and Opportunity to Cure and to Contest Acceptance To : XXXX RE : DEMAND IMMEDIATE RELEASE OF MY PROPERTY on Loan Number : XXXX Payoff Amount : {$1700.00} Collateral : XXXX XXXX XXXX XXXX Mileage : XXXX miles Value ( XXXX XXXX XXXX ) : {$1700.00} Respondent Dear Mr. / Ms. XXXX : 1. On XX/XX/XXXX, the undersigned Secured Party caused to be sent to you a SETTLEMENT PAYMENT which arrived to you on Date XX/XX/XXXX. This notice was sent by Certified Mail # XXXX and was delivered on XX/XX/XXXX. Per USPS XXXX Return Receipt in the possession of the Libellant, you did not respond with proof of claim. 
2. On XX/XX/XXXX, you were sent a Notice of Fault and Notice to Validate Debt Claim for the alleged creditors in dispute. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You illegally stolen my property and failed to perform after receiving these presentments, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said FULL SETTLEMENT PAYMENT and Notice to Validate Debt claim from the undersigned.

As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault.

Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise.

Thank you for your prompt attention to this matter.
Product: Mortgage

XX/XX/XXXX, I visited XXXX XXXX community in hope to find a home. I found my dream home at XXXX XXXX XXXX and we entered into a contract on XX/XX/XXXX is the date I signed. However due to the holidays other would sign the first week in XX/XX/XXXX with a closing date XX/XX/XXXX. I thought everything went well I was told XX/XX/XXXX is the target closing date and I could be changed if need be. I wasnt communicated that DHI wouldn't give me a loan being that they were the one who had given me a pre qualification. Around XXXX I was told by XXXX the loan officer that he wanted me to speak with another loan officer from a different company XXXX or I would need around {$18000.00}! XXXX of XXXX wasn't any help she requested that I refinance my car and I that I put 5 % down payment. My agent asked to change the close date to XX/XX/XXXX, we was told we would get the updated close date document, we never received it. I was suggested to go to a third loan office late XX/XX/XXXX/XX/XX/XXXX to I provided them with all the required paperwork and was waiting on a pre qualification letter. Then I started to get emails about the contract which my sales agent told me to disregard and sge would to let her sales manager know we were waiting for XXXX to provide a prequal. To later learn while I was still actively under contract for the for that home another buyer was allowed to place a backup contract on my house. Needless to say XXXX XXXX cancelled my loan and put the new loan in effect. Despite doing everything I was asked I still lost the house. I am very displeased with the home buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect collections on my CR especially XXXX  and XXXX. 
XXXX  XXXX XXXX XXXX creditor XXXX {$240.00} Item was returned on XX/XX/XXXX. 
This was regarding a equipment device that was returned XX/XX/XXXX years ago. This collection takes it off then puts back. All other CR have removed it. I have submitted showing the date that it was sent back to company in their prepaid envelope. See enclosed documentation Congress Collection Medical bill Dr XXXX XXXX {$400.00} XXXX  that insurance paid included in preventative maintenance plan in XXXX. All other CRs have taken this off except XXXX.
Product: Student loan

Fed Loan Servicing told me that with my newest XXXX hr a week job, I could get a second qualifying job and that would make me eligible to continue the Public Loan Service Forgiveness program. Today they sent to me a letter claiming my job ( s ) are not eligible, when both are non-profit and eligible companies, and combined also make me eligible.
Product: Debt collection

LAWSON HAMILTON AND ASSOCIATES is attempting to collect a debt on behalf of a medical provider that I do not owe. The charges calculated by the provider 's medical biller are false. I informed my provider of the bills I began to receive from his medical biller years ago and inquired about the validity of charges. He informed me not to worry about it. Now, I have a collection on my credit report.
Product: Debt collection

I am filing this complaint pursuant to the Fair Credit Reporting Act the Fair Debt Collection Practices Act. Stern Recovery Services has placed a derogatory collection account on my credit report that I have no knowledge of. The alleged debt that they are attempting to collect on is in the amount of {$540.00}. The original creditor is XXXX XXXX. 

I have no knowledge of this account and was never notified of my right to dispute and didn't even know I could dispute this matter based on the above mentioned Federal laws and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/2021, I sent a letter to Experian to dispute two accounts which were XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX that were not supposed to be reported. As the consumer, pursuant to 15 USC 1681b ( a ) ( 2 ), I have written instructions on how I wanted my consumer report to delete referenced accounts. A couple of days ago I received with one of the accounts in question removed but not the other one because of the validity. However, as the consumer I am the only one who can say what is valid or not.
Product: Debt collection

I have sent this company a cease and desist. This company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. This company has also been found to impose as a collection agency when it is listed that this company is not legally bonded and or insured to collect in the state of Alabama. Please have this company cease all collection activities, this is my last attempt to complain outside of court.