23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my second complaint submitted to this company since they responded but did not respond to what was requested by me, which was to validate with physical information that I was the owner of the account that they published in my credit report. They replied that there was not enough evidence and that the vehicle was replaced at the address where the account was opened. Today I sent you a correspondence via email requesting a very respectful investigation according to the federal guidelines of the fair credit law. I sent them physical evidence that validates that I am not the person responsible for this account since they requested more evidence. I am going to attach to this complaint all the documents that I sent you today where they show that I did not live at this address and even shows a false driver 's license that a person used to open another account that was already disputed and eliminated even more. I sent them a picture of my real driver 's license and sent them the florida website where they can validate which license is real and which is not. This account is doing me a lot of damage and outside says that they could validate that the account is mine but in all the letters they send me do not validate me with any document that shows that the account in mine, I have sent several documents validating that I was a victim of fraud and they are not paying attention to these documents, but today as I mentioned I sent you substantial evidence that proves what I argue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX  XXXX XXXX These creditors are unable to provide proper documentation proving that I am able to pay the interest and charges on the account.

American Express collectors reached out and make false representations about my account. While the payment was active, the still reported the account as charged off. 

All creditors are unable to prove that I made an agreement of payment on each account. 

I am hereby requesting that all XXXX closed accounts on my credit report be removed.
Product: Credit reporting or other personal consumer reports

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and XXXX XXXX making me unable to achieve financial freedom and stability.
Product: Credit reporting

I am trying to purchase a home and found that i have a bankruptcy on my credit from the Nevada Federal court. This is not me because I have never been to Nevada. I filed a dispute with Trans Union because it is only showing up on that report. After the XXXX days was up, I called them and they informed me that it had been investigated and found accurate. i never received communication regarding the findings and when I asked to have it sent to me they informed the that that information was n't available. I have provided them with a letter from Nevada Federal Court that states I do n't have a bankruptcy in their system and have supplied that to Trans Union. Trans Union i not willing to supply the process or contact information for the vendor used to verify the item they put on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-16 I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with coverage under the Department Of Veterans Affairs. XXXX XXXX XXXX failed to file a cliam with the Department of Veterans Affairs within the 90 time limit requirement prescribed by law XXXX. Instead they instructed their agent Nationwide Credit Corporation to pursue collection activities against me in the amount of {$210.00}. I have attempted to resolve this matter with the companies to no avail. Their actions have resulted in inacurrate and negative information in my credit report affecting my credit score, insurance rates etc.
Product: Credit reporting or other personal consumer reports

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. 
Account names : XXXX : Original creditor 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, 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 a 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: Money transfer, virtual currency, or money service

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 The bank keeps kicking the can down the road without resolve. I dont wear out all that easily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchased a total of four cars through U.S. Auto and I've maintained an impeccable repayment history. In XXXX of 2023 I was informed that I had a payment that was reported on my credit report that was past due 30 days. This payment was due bi-weekly with a five-day grace period. After the grace period the vehicles are equip with a security system that will shut the vehicle down automatically and my vehicle has never been disabled. I attempted to speak with someone by phone on several occasions and was unsuccessful. I was informed I had to send an email to their dispute department and wait 30 days or more for an answer. I sent the email with my explanation as to why I believed the error was on their end and what it boiled down to was their word against mine. I also asked as a valued customer and as a one time, courtesy could they remove the item from my credit report. They responded over 30 days later that by law they had to report it and couldn't remove it. 

I received a notification in XX/XX/2023 that U.S. Auto was closing all 39 of their locations until further notice immediately. I received a notice from Westlake Portfolio Management that my loan has been transferred to them for the collection of my future payments. The Gap insurance, extended warranties etc. that we all purchased no longer exist. All they are responsible for is collecting the payments. Westlake portfolio has zero information to offer concerning U.S. Auto. The next thing I see is the local news broadcasting reports of consumers that have purchased are complaining about being delinquent with their payments and they weren't. This is when I realized I'm not alone. There is no way to reach US Auto at this point. They literally informed their XXXX office staff to complete what they were working on and leave the building. 

There are consumers that purchased vehicles within 30 days of the abruptly closing that can not get the required tags for their vehicles. This concerns me because I am close to paying my vehicle off and if Westlake portfolio can't get their required tags, how will I get my title?
Product: Student loan

All student loans were discharged by Veterans XXXX XXXX  discharge XXXX 2015. Navient refuses to remove debt and late reporting on credit report.
Product: Credit card

I tried to use my card twice today, at XXXX and at XXXX. And it didnt work it either place.
Product: Credit reporting or other personal consumer reports

Company name ( XACTUS ) did a soft pull on my credit report on XX/XX/year> and XX/XX/year> I did not initiate any transaction or relationship with XACTUS that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. XACTUS willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security.

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 XXXX Genesis.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Product: Credit reporting or other personal consumer reports

XXXX, There is incorrect personal information on my latest credit report that needs to be corrected immediately as its damaging my ability to obtain credit. 

Please see attached : - drivers license - social security card - address - complaint letter
Product: Student loan

I did not sign promissory note that the student loan servicer has on file. Section682.402 ( e ) ( 1 ) ( I ) ( B ) Program regulations provide that XXXX  XXXX benefits are payable to holder of the loan where the lender obtained a legally enforceable promissory note to enforce the loan. 
All promissory note that are done electronically must have a consent for electronic signature with the documents in order to make them legal in lieu of a wet signature. 
The signature itself must contain the consent code for the type of consent used. The document contains neither and the signature itself was clearly done without consent as it does not have the consent code. 
I have a copy of the Authoritative document which shows the electronic document was altered long after the note was signed. 
I am asking for a copy of the original un-altered promissory note with the electronic consent. 
The note supplied is already been proven altered plus a number of legal shortcomings not mentioned above that makes it un-enforceable.
Product: Debt collection

I contacted Caine and Weiner to settled on a debt. In that recorded call I stated I was calling to settle and close on a debt. The representative pulled my information and told me the settlement amount and reiterated this would in fact close the debt and account out and a letter would be mailed to me. Upon making the payment the company reported I didnt not close the account I made a payment and this made my credit score drop 45 pts! I contacted the company back stating their wrong report and they tried to say I didnt say I was closing the account but I provided proof and I wasnt taken serious until I told them anytime you call a debt collector stating you want to settle and close a account that means the account is closed! It wasnt until I threatened to contact a lawyer that the company corrected that I in fact settled and closed the account. However the 45 pts dropped from my credit score I need back! This company purposely reported that incorrect information which effected my credit score! And they need to fix there mistake!
Product: Checking or savings account

On XX/XX/2018 I was robbed and the robbers took all of my belongings including my cell phone and wallet that had my ID debit and credit card from Chase bank inside. The robber 's were able to access ATMs and withdraw {$3500.00} which exceeds my daily allowance, and then they went into a branch and withdrew {$1000.00} from my account and Chase allowed this despite it not being me. I have placed claims on all of my accounts and chase denied the claims stating it was non-fraudulent because the robbers accurately input my pin #. There is video surveillance, call records and I have a police report all evidence in my favor that these transaction were not authorized and were not done by me ; however the bank fails to use this information to come to a decision and has denied my claims. As a customer it is absurd to me that a bank fails to verify identification for in person withdraws, and in the circumstances does not verify their own video surveillance during an investigation. They also do not use call records with my attempts at closing my accounts. The bank solely investigated if my pin was accurately used in their decision. With fraud becoming so sophisticated in modern times I find it hard to believe the bank does not follow any other procedures in terms of investigation given these circumstances. Not only do I have the above evidence, but as a long time Chase Customer, there has never been a time where I've completed transaction of this nature, which should have immediately been a red flag.
Product: Credit reporting or other personal consumer reports

I have previously submitted numerous requests to your company to reassess the inquiry on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within 30 days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. 
How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 

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

Dear ONEMAIN, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint - Violation of 15 U.S. Code 6802 - Discrimination Concern - XXXX  XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potential violation of 15 U.S. Code 6802 by XXXX  XXXX, a financial institution that I have an account with. 

As a consumer, I am entitled to privacy protections under this statute, which mandates that financial institutions adhere to specific requirements when disclosing personal information. Section 6802 stipulates that financial institutions may not disclose nonpublic personal information to nonaffiliated third parties unless certain conditions, such as providing proper notice and an opportunity to opt-out, are met. 

My concern is twofold : a potential violation of this statute and the consistent misuse of my credit report. I spoke with a manager at XXXX XXXX on XX/XX/2024, at XXXX XXXX. Unfortunately, despite my efforts to seek clarity and assistance, the manager refused to provide any help or information. 

This refusal to assist has intensified my concerns, leading me to believe there may be a deliberate pattern of negative reporting that goes beyond normal circumstances. Consequently, I feel compelled to bring the issue of potential discrimination to your attention. 

This letter serves as a formal request for your intervention in this matter. I am urging a thorough investigation into the potential violation of 15 U.S. Code 6802. Additionally, I request confirmation as to whether XXXX XXXX has complied with the statutory provisions. If a violation is determined, I kindly request that XXXX XXXX ceases and desists from reporting any further negative information on my credit reports. 

Given the urgency of this matter, I would appreciate your prompt attention. Furthermore, I insist on a thorough examination of the potential discrimination issues arising from the consistent misuse of my credit report during the investigation. 

I am submitting this complaint electronically for your records. Please acknowledge receipt at your earliest convenience. 

Thank you for your attention to this serious matter. I look forward to your assistance in resolving these concerns. 

Sincerely,
Product: Student loan

I work in a XXXX and have told Performat Recovery not to call as they are disturbing patient care and they have ignored my requests and have continued calling and harassing myself and fellow employees.
Product: Money transfer, virtual currency, or money service

I 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 effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with era resolution requirements under electronic fund transfer act and regulation E. these actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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
Product: Debt collection

I have no recollection of this account and if it's a medical bill I've been on XXXX since 2014 and all my medical bills are paid and when I tried to contact them they were very rude and demanded payment and wouldn't give me any details
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX -- XX/XX/XXXX No response XXXX. XXXX XXXXXXXX -- XX/XX/XXXX No response XXXX. XXXX XXXX XXXX -- XX/XX/XXXX Send letter XXXX. XXXX -- XX/XX/XXXX Call no response XXXX. XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX to my wife. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX to my wife. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Going to court XXXX. XXXX XXXX -- XXXX Close the count XXXX. XXXX XXXX XXXX -- XX/XX/XXXX XXXX the Countdown. 
XXXX. XXXXXXXX XXXX XXXX XXXX -- XXXX Close the account
Product: Credit reporting or other personal consumer reports

I am writing to complain to JPMCB HOME about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am filing a complaint for 3 consecutive 30 day late payments. 3 different month ranges for each of the credit bureaus reported by Pentagon Federal Credit Union. ( obvious mistake as the months don't even match bureau to bureau ) XXXX : 30 days late XXXX- XXXX XXXX : 30 days late XXXX XXXX:30 days late XXXX XXXX- XXXX ( Credit Report attached Per MyFico ) The circumstance : Every XXXX of the month a payment of XXXX is due ( along with a 5 day grace period ). In XX/XX/XXXX a letter was sent in regards to a missed payment and failure to make a full payment of XXXX. This blindsided us as we had just made a payment on XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX. That being said we were able to make a payment in full on XX/XX/XXXX of XXXX. We thought everything was fine and there were no issues moving forward with payments. This year ( XXXX ) my growing family began plans to purchase our first home and looking into our credit we had 3 consecutive 30 day late payments reported ( listed above ). I called " Penfed '' and explained that payments were made in ALL of the months in question how could I possibly have 30 day late payments reported. The customer service rep agreed after looking through my file and offered to send a email to the specific department ( dept cant be contacted by phone ) but I would need to consent for Penfed to do a hard inquiry on my file in order for them to see what happened. I did not want to add more damage to my file than what had wrongfully been done. As I mentioned before we are planning on purchasing a home. I told the rep I would rather just dispute this with the credit bureaus and have this removed that way. The rep understood and confirmed she would send a email with regards to this mistake. After disputing there was a response from the bureaus but nothing was deleted. I have been enrolled in auto pay as well as been a customer of " PenFed '' for over 3 years without issues aside from this one. Although I understand mistakes can be made, it is disappointing that this issue has yet to be resolved.
Product: Debt collection

Collection account from LVNV FUNDING with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.