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

In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX Drive Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. XXXX of Illinois executive order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified Drive Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX Drive Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter to Drive Now, My husband made a call to the Drive Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 
CFPB recently filed a lawsuit, XX/XX/XXXX, against XXXX, an auto loan company, for illegally activating devices that prevented borrowers from starting their cars. Drive now did the same exact thing to us 2 times during XXXX. We weren't XXXX hours late even. Yet they went against the XXXX 's order and shut our car off leaving us no way to seek medical attention during the pandemic! 

We disputed this improper debt collection and requested validation, which Drive Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX XXXX willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against Drive Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with the credit reporting company and accounts that were opened in my name, are still listed each time I call and speak to a representative I am informed that the process will take an additional 30 days and there is never a resolution in having the items removed. I also spoke with the representative regarding incorrect personal information, including social security number and addresses and inquiries that were not authorized by myself and was informed these would be deleted yet my most recent report still shows the information listed. I have attached copies of my FTC identity theft report along with responses from XXXX XXXX, XXXX, and XXXX XXXX XXXX indicating that they have agreed to delete all the accounts. 
This is a direct violation of my consumer rights under : section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have looked at my credit report and there are two accounts that do not belong to me and I have contacted the reporter companies which are XXXX XXXX XXXX XXXX XXXX XXXX, after I provided them with my s.s number, full name and d.o birth there was no record in there system for any account that belongs to me, these two accounts are fraud account that doesn't belong to me and yet I have to wait for a dispute to process that's going to cause me losing of my house and after I called Transunion they still tell me that they can't delete account from my report unless they investigate and XXXX  XXXX answers them, so im under the murcy of XXXX  XXXX to answer when they feel like it, and trans union told me that I should contact XXXX  XXXX and have them answer the dispute that was open on my behalf by trans union, I can't call that department so now I have to mail in my info to XXXX  XXXX for an account that doesn't belong to me that trans union should have not allowed to show on my report, why should I wait on an answer from XXXX  XXXX if the account doesn't match my info.
Product: Student loan

School loans didnt make sense for the type of school I attended. I signed up for a XXXX degree. The school at the time offered it, during my XXXX year they changed my degree to XXXX and did not modify the loans, re-do the payment amount etc. I was done with my pre wrecks for my degree standing at a XXXX. I recently applied to continue college and the school never reached out to me let alone accepted the continued degree. I had just clinicals left for my XXXX license. I wasnt told anything about the school not offering the XXXX program I singed up for and they switched it to XXXX  on my loans. Mis informed and false advertising 100 %. The school isnt contacting me back let alone giving me the opportunity to continue my career. Im stuck with {$40000.00} in school debt for a degree that they dont offer anymore. The United States Department of Education has all my information for the loans. Current servicer is NelNet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts showing charged off on my credit report. I have contacted these companies directly and disputed with all three credit bureaus. The companies send me a copy of an itemized bill, and state the the account was opened online. The credit bureaus send what appear to be a generic form letter stating that they have investigated the account and will not re investigate it. I have requested that they provide me with copies of any documentation associated with this account, bearing my signature. I have also advised them that as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I feel that I have done all I can do and have not been able to get any results.
Product: Bank account or service

I get a chargeback on my account on XXXX/XXXX/16. I contact my bank Capital one and fax the documents on XXXX/XXXX/16 as request by the bank. I received a notification on XXXX/XXXX/16 that my dispute was denial due to documents received after the date line. I called the credit card company with prove of documents faxed on time and they still applied that he was received after the date specified in the letter. The company did n't give me the regular time frame and did n't follow with me about this issue.
Product: Debt collection

On XX/XX/2023, I opened a mail piece containing a bill for student debt. The loan servicer claims to be Heartland ECSI and uses what appears to be a phishing website ( heartland.ecsi.net ) as I could not connect with a live representative over the phone. Please investigate this.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Description of What Happened : On XXXX XXXX XXXXXX/XX/year>, I submitted a request to LexisNexis Risk Solutions for a security freeze on my consumer file, as authorized under the Fair Credit Reporting Act ( FCRA ). Along with my request, I provided all required identification and address verification documents, including a valid U.S. passport and utility bill dated XX/XX/year>, as proof of address, per their stated requirements. 

On XX/XX/year>, LexisNexis responded, claiming that my documents were insufficient or illegible. These claims are false, as the U.S. passport I submitted is a valid, government-issued document, and the utility bill clearly lists my name and address. 

Following their response, I sent a follow-up communication on XX/XX/year>, reiterating that all documents were correctly submitted and demanding that LexisNexis comply with my request. Despite my efforts, LexisNexis has failed to process the freeze or provide an adequate explanation for their refusal.

This failure to act violates 15 U.S.C. 1681c-1 of the FCRA, which mandates prompt compliance with valid security freeze requests. Their delay creates unnecessary risk to my personal and financial security, especially given the increasing prevalence of identity theft and fraud. 

Actions I Have Taken : Submitted all required documentation on XX/XX/year>, including a valid government-issued passport and proof of address. 
Followed up with additional communication on XX/XX/year>, demanding compliance. 
Filed complaints with the Federal Trade Commission ( FTC ) and my state Attorney General 's office on XX/XX/year>, regarding their noncompliance. 
Despite these efforts, LexisNexis continues to refuse to comply with its legal obligations, leaving my consumer file unprotected. 

What I Am Seeking : I am requesting the CFPB to take the following actions : Require LexisNexis to immediately place the security freeze on my consumer file. 
Ensure LexisNexis provides written confirmation of the security freeze. 
Investigate whether LexisNexis has engaged in systemic noncompliance with the FCRA that may harm other consumers.

LexisNexiss willful and reckless failure to act has caused me significant frustration and put my personal information at risk. I urge the CFPB to enforce their compliance with the FCRA and hold them accountable for this unacceptable delay.
Product: Mortgage

I have 2 issues with BBVA Compass Bank. 1 ) They failed to pay my homeowners insurance in a timely matter. Insurance was due XX/XX/XXXX and not paid until XX/XX/XXXX.We advised BBVA Compass the first payment was not received. Upon receipt of the copy, they did not include any identifying information. After 3 weeks of dispute, BBVA Compass finally issued a 2nd payment on XX/XX/XXXX. We were being held responsible for the 2nd payment. 2 ) After being told not to worry about a hit on my credit if the XXXX payment was received on XX/XX/XXXX, I took a hit on my credit. My wife and I were told as long as we closed by XX/XX/XXXX, XXXX Mortgage could not mark our credit. We were told we had 45-60 days to get the payment to them without penalty. XXXX gave me this information. XXXX Mortgage did mark our credit as a late payment for both XXXX and XXXX. I called XXXX Mortgage on XX/XX/XXXX with no response. After making attempts through the credit bureaus, as instructed by BBVA Compass - XXXX - and being denied, we again went to BBVA Compass and requested a letter after finally hearing from XXXX of XXXX Mortgage on XX/XX/XXXX. XXXX now does not recall saying anything about closing by XX/XX/XXXX but does admit that we were told XXXX Mortgage could not, by law, mark our credit for 45-60 days. He " recalls '' that another coworker, XXXX, told us this. Totally untrue. It was 100 % XXXX that told us both pieces of information. We requested a letter XX/XX/XXXX from BBVA Compass via XXXX. Indications were it would not be an issue. We received the letter on XX/XX/XXXX. In the letter, BBVA Compass put the blame back on us in the letter. We sent the letter to XXXX of XXXX Mortgage to see if the late payment would be removed. On XX/XX/XXXX, XXXX Mortgage denied making changes due to the information in the letter from BBVA Compass. A change to the letter was denied by XX/XX/XXXX and they have not given reason as to why. Information provided by XX/XX/XXXX was, as we have now been told by BBVA Compass, was incorrect. We acted on that information. BBVA Compass is now denying that information was given to us even though it was admitted that we were told XXXX Mortgage could not mark our credit. WE WANT THIS REMOVED FROM OUR CREDIT!! We have no other late payments. We create a bill, we pay our bill. BBVA Compass has a responsibility due to misleading practices and negligent supervision for XXXX. I have requested contact from the CEO as well. We are going on 10 days with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX in regards to inaccurate inquiries reporting on my credit. I have also sent correspondence to have these inquiries removed from the companies that reported the inaccuracies. Transunion constantly denies me to have these inquiries removed even though the reporting companies have requested so. I am requesting an investigation in Transunion and for the falling inquiries to be removed from my credit report. 
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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

Cash App account compromise On XX/XX/year> at around XXXX Cash App allowed a fraudulent charge in the Amount of {$99.00} to go through from XXXX XXXX When I block this account months ago. Also there has been multiple fraudulent charge Attempting to charge my account. One recently attempted charge was from XXXX. This has been going on since last year. When they Attempted to make charges to XXXX XXXX XXXX XXXX XXXX. Or attempted to book a hotel room At the XXXX XXXX XXXX This complaint is to notify Cash App That I will seek legal action. Because I believe that my account has been compromised. Unless Cash App can come to a resolution. To solve the problem.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint for failing to properly verify multiple disputed accounts on my credit report. Despite my previous disputes, they have wrongfully marked the accounts as verified, yet has not provided any actual proof of verification, violating my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( B ). 

The accounts in question include : XXXX XXXX XXXX  ( XXXX XXXXXXXX ) XXXX XXXX  ( XXXX XXXXXXXX ) XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) Additionally, unauthorized inquiries from XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX  ) remain on my report despite my request for removal.
Product: Money transfer, virtual currency, or money service

I did not buy any XXXX XXXX but received an email stating that I did and would be charged when opening the email it will not let me see the information I reset my password with a code sent to my email then it wanted to send another code to a text it refuses to send after I changed my password
Product: Debt collection

On Thursday morning at XXXX, the above number called my phone. They didn't identify themselves or let me know why they were calling. A male caller said " Is this XXXX XXXX? '' I said yes. He said " The XXXX XXXX who lives at ( he proceeded to say a former address ) ''. I said " Whatever address you have, I'm not verifying anything. '' Hs then rudely said " No, that's not what I asked! I need to verify an address to give my process server. " I then said " Do whatever you have to do. " He STILL did not identify himself, his company, or what the matter was about. He then said " Good luck in court XXXX. '' then hung up. This XXXX needs to be fired. I only knew who it was by entering the number in XXXX - National Credit Adjusters.
Product: Credit reporting or other personal consumer reports

Loans showing in my account ( over XXXX different accounts ) are showing up in my credit report and being duplicated. This is causing my credit score to be low and is incorrect reporting of my accounts
Product: Credit reporting

I disputed inaccurate information being reported on my Transunion Credit Report. The investigation came back as verified. The credit bureau recommended I take it up with the creditor. I sent a letter for Verification of Debt to Applied Bank at the address listed on my credit report. The address listed for Applied Bank on the Transunion Report was : XXXX XXXX, XXXX XXXX, FL XXXX. I sent a Certified Letter, Return Receipt Requested to Applied Bank and the Post Office replied back with " Undeliverable ''. According to the FCRA, if there is inaccurate information on my report and unverifiable, the item must be deleted from my report. I submitted the information to Transunion by certified mail and they opened a new dispute. When I called them, I explained that if the information on my consumer report is inaccurate, it must be removed. They declined and insisted the Creditor has the right to " correct their error '' and update the information. I believe my rights under the FCRA and FDCPA have been violated causing me embarrassment, lost credit opportunities due to both Applied Banks inaccurate information on my right and Transunion 's reluctance to follow the law. I would like this investigated and enforced. I am filing a law suit against Transunion and Applied Bank for Violations of the FCRA and FDCPA. Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed here must be removed. I reported the name of the person that misused my credit to the authorities.I have sent several complaints and these accounts still have not been removed! My name is mixed up with someone else. 

US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX These are duplicate false accounts XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from XXXX stating they were making a negative entry to my credit report. I called XXXX  and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about XXXX correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from XXXX XXXX relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking XXXX to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.