23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Month after month I call this incompetent company to stop paper statements from being mailed to my house with no results. I have checked the option on their 1980 style website and they still send me paper statements. WHY IS THIS SO HARD?
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on XXXX, Equifax, and XXXX. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent mutiple letters to each bureau via certified mail.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 
I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to FORD MOTOR CREDIT COMP XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WA XXXX have violated my rights. 

According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. They have not sent me any paperwork showing how these accounts account are " verified " to be mine. They have had plenty of time to prove to me how these accounts are mine. I have been trying to dispute these charges and have them removed from my credit report but to no avail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Please help me with this issue that is detrimental to my credit health and my livelihood. Thank you for all you do.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I exceeded my insurance annual maximum out of pocket by XX/XX/XXXX. Once I met my max out of pocket, all healthcare costs are the responsibility of my insurance company, XXXX XXXX. 

I mailed XXXX XXXX, the XXXX XXXX company, and AR collection agency a certified letter with the chronological itemized accounting of the maximum out of pocket to show that I did not owe this debt. The certified mail number was XXXX XXXX XXXX XXXX XXXX. The letter was delivered on XX/XX/XXXX. I wrote to AR prior to this letter requesting proof that the debt was mine, within a week of receiving their collection notice. 

XXXX has refused to pay their debt. AR filed a collection notice in XX/XX/XXXX, despite definitive proof that I do NOT owe this debt.
Product: Credit card or prepaid card

This issue is regarding Chase Credit Cards online auto-payment management system. Unlike other credit card auto-payment management systems, which allow you to set-up a custom auto-pay amount, Chase limits you to choose between the minimum payment amount or the entire balance.
You can make an additional payment on top of your auto-payment, but this defeats the whole benefit of auto-pay to begin with. The benefit of auto-pay is to set-up an auto payment plan to payoff your card in a set amount of time, without having to log-in every time you want to make a payment, limiting chances of missing or late payments.
I believe Chase intentionally limits your auto-payment selection amount to force you to choose the minimum amount and then counting on you to forget to make additional payments, thus paying more interest on the card for a longer period of time in an effort to make up for lost revenue from late payment charges.
Product: Mortgage

This is a follow up dispute in response to the companies response to complaint # XXXX The first thing I want to bring up is that in my discussions with SPS over the past 3 years, I have been told the same thing that " we are in the process of rescinding the sale/foreclosure '' or that the foreclosure '' NEVER was completed ''. So that is nothing new. Secondly, their response does not address the damage to the property that occurred under their control, and as a result of said damage, combined with the market, the value is much less than the XXXX deal offered in their reply. The property was sold at foreclosure for {$110000.00}. They also fail to acknowledge the fact that, until they restore the property to my name I CAN NOT/WILL NOT sign any legal documents relating to the property
Product: Checking or savings account

Chase closed my 2 checking accounts and my 2 savings accounts on XX/XX/2020. They refuse to release my money advising they are investigating where the funds came from. The funds came from a Federal Agency unemployment after I waited 6months to receive this money. They are advising they are investigating when they show an ach deposit of XXXX and are expecting me to prove where the funds came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXXXXXX 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. 16815-2 ( AN1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

Complainant XXXX XXXX XXXX XXXX XXXX. ( XXXX ) hereby files the following Dispute objecting to the inclusion in his personal consumer credit reports the following information that is inaccurate as described below. Despite an investigation by Equifax, XXXX XXXX Bank ( XXXX XXXX ), purportedly " verified '' the disputed information. Some changes were made to XXXX  's personal credit report as a result of the Equifax Dispute, however, XXXX XXXX, despite being advised by XXXX of the inaccurate information continues to report false and inaccurate information. 

XXXX XXXX Bank 's own Online Statement of Account ( SOA ) unequivocally proves that XXXX XXXX did not accurately report to Equifax, or the other CRAs, the information contained in XXXX XXXX 's online SOA. 

This is the disputed information that XXXX XXXX reported to Equifax yesterday, XX/XX/2022. 

1. XXXX  XXXX Bank reports that as of XX/XX/2022, XXXX  has an outstanding balance of {$94.00} when the SOA proves that XXXX  has a balance of ( - {$1.00} ). According to XXXX XXXX 's own information, XXXX XXXX owes money to XXXX, and XXXX XXXX Bank knew this when it reported to the CRAs that XXXX  owed {$94.00} to XXXX XXXX. 

2. From information provided to the CRAs in prior updates, XXXX XXXX never reported that XXXX  was past due. XXXX  makes it a pattern and practice to pay off accounts within 60 days. However, XXXX XXXX falsely reports that XXXX was past due for 30 days in the amount of {$46.00}. 

First, XXXX  never owed XXXX XXXX a debt of {$46.00}, as evidenced by information reported by XXXX Bank to the three national CRAs. Additionally, XXXX XXXX Bank 's Statement of Account proves that XXXX XXXX Bank failed to report that XXXX  made a payment of {$29.00} to XXXX XXXX Bank on XX/XX/2022. In addition, XXXX XXXX Bank never credited XXXX  's account for the payment of {$29.00}. XXXX XXXX also did not report this payment to the three CRAs, including Equifax. 

XXXX XXXX continues to report that this is an open account. However, because of XXXX  XXXX 's pattern and practices, such as those represented herein, when XXXX  made the payment of {$29.00} to XXXX XXXX, he told XXXX XXXX  that he wished to close his account. This telephone conversation was recorded by XXXX XXXX. XXXX  wished to record his conversation with XXXX XXXX, however, XXXX XXXX refused to authorize being recorded -- even though XXXX XXXX acknowledged that it was recording the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 

XXXX Accounts Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Accounts Account # xxxxxxxxxxxx XXXX Account # xxxxxxxx XXXX Account # xxxxxxxxxxxx XXXX Account # xxxxxxxxx XXXX Account # xxxxxxxxx XXXX Account # xxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxx XXXX Transunion Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I pulled my credit report finding accounts that I had no recollection of doing business with. One of the accounts that have stuck on my credit profile & continuing to hinder my approvals for bank accounts as well employment is NEW CITY FUNDING CORP . This account was opened back on XXXX ' XXXX XXXX. After disputing the account they did not provide any validation, rather serve me with a summons at someone else 's address, with a contract that has my partial name, as well a signature that isn't mine.
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are errors on my credit report. 
Case law in XXXX vs. XXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it.

I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made.

I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.

Please make the requested corrections on the following account XXXX XXXX XXXX XXXX  Please note that I have opted out in writing of your forced arbitration terms and that I am willing to seek legal relief. 
Please provide me with an update report within the 30 days established by law
Product: Debt collection

Who subscribes XXXX XXXX XXXX XXXX hereby file a formal complaint against Capio Partners , LLC, who try to charge me the amount of {$940.00} for a XXXX   XXXX  of XXXX  with XXXX XXXX, which was ordered by my primary physician XXXX XXXX XXXX. XXXX. dated XX/XX/XXXX and I was practiced at the XXXX XXXX and XXXX XXXX in the city of XXXX. But whose results were never received by me or my doctor.. On XX/XX/XXXX I went to my primary doctor, XXXX XXXX XXXX XXXX XXXX. For presenting a strong pain in the XXXX area on the XXXX XXXX, on that occasion I underwent several XXXX  XXXX  by which the origin of the pain could not be determined. In view of the pain continuing my primary doctor, he ordered the XXXX XXXX   of the XXXX  with XXXX XXXX which I practiced in the following days at the XXXX XXXX, where I had to pay approximately {$200.00} of co payment to be able to practice the exam. The test was performed, but neither my doctor nor my person NEVER RECEIVED THE RESULTS OF SCAN On three occasions I went to XXXX XXXX to ask for the report of that study to be delivered to me and they never gave me an answer. My primary physician also called by phone and they said they were going to fax the results but this was never done. My doctor and I never knew the results of that study. 
After a few months I started to receive at my residence in the city of XXXX, some invoices associated with that study, demanding payment of XXXX dollars for carrying out the aforementioned medical study, which I never benefited from since we never got the results. Similarly, I must point out that they charged part of that amount to my health insurance. 
In the face of this attempt to collect money, I contacted the collection department of XXXX XXXX and told them MY REFUSAL TO PAY because the results of the scan were never delivered to my doctor or to my person. 
I now receive an invoice for the same item issued by Capio Partners , LLC. Account # XXXX. Before this attempt of collection I must say that I WILL NOT PAY since I was never benefited by the practice of this medical examination. On the contrary, they charged as much to the insurance company as to my person an amount of money for a study of which we never knew any results.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear XXXX, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud. 

It has come to my attention that XXXX has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities. 

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that XXXX immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring XXXX into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that XXXX will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

account on XX/XX/2019 the account was late but spoke with company and they accepted a pardon and sent me a letter and everything. I Sent this letter to the credit bureaus but they are not willing to remove the negative information from my report, only one did XXXX XXXX  and Transunion did not even after I sent them proof of this please help thank you.
Product: Credit card

In XXXX 2015 I contacted Capital One regarding paying off my cash advance. I was told an exact dollar amount that I would need to pay off the balance of the cash advance. I took out a loan and paid the exact amount that was needed to pay off the cash advance plus the minimum payment required in XXXX 2015. I just reviewed my statement and noticed they are still charging me a separate interest charge for the cash advance. I contacted Capital One and they said the payment was applied to my balance, not to the cash advance and they could not change how the payment was applied. I have documentation from Capital One showing the exact amount they said I needed to pay in order to pay off the cash advance.
Product: Debt collection

I am a victim of identity theft. I had not checked my credit report in years ; however, I obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization, or approval. I started disputing all the negative accounts on my credit report with XXXX, XXXX, and XXXX. Every negative account on all three of my credit reports has been removed with the exception of Portfolio Recovery Associates , LLC, which is still on my credit report. On XX/XX/2024 I sent a certified letter asking for validation and they sent me a billing statement saying " because of the age of your debt we will not sue you for it. If you do not pay this debt, Portfolio Recovery Associates , LLC may continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' Portfolio Recovery Associates , LLC has willfully violated several FDCRA laws. Some of those laws include : 15 USC 1692b ( 2 ), 15 USC 1692c, 15 USC 1692g ( a ), 15 USC 1692 ( d ) ( 2 ), 15 USC 1692 ( b ) ( 5 ) 15 USC 1692s-2 and 15 USC 1692b .
Product: Credit reporting, credit repair services, or other personal consumer reports

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AM FILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THE LETTER OF THE LAW '' XXXX, XXXX & TransUnion are failing to comply with FCRA laws & sections. I was the victim of Identity theft & have reported the information to all 3 credit reporting agencies ( CRA ). I've provided them with a police report, identity theft report and identifying documents to substantiate my position. They have failed to provide me with any verifying proof these accounts, which were opened fraudulently, belong to me or I have any legal obligation. The following accounts & addresses were opened without my knowledge, consent or authority & I need them blocked/removed from my credit. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX po box XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm including the police report, identity theft reports & my verifying documents to prove my position. Please see the listed accounts are removed/blocked from my credit report