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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Errors in Consumer Report for Car Loan Dear Sir/Madam, I am writing to file a formal complaint against Westlake Financial regarding a car loan I had with them, which I believe has resulted in errors on my consumer credit report. The loan in question was for a XXXX XXXX XXXX XXXX with account number XXXX XXXXXXXX. 

I believe that there were issues regarding payments reflected and this resulted in a negative impact on my credit score. This also resulted in repossession of the vehicle and has hurt my score tremendously. With repossession my tag was taken and has resulted in increased falsely charges. I have disputed this with XXXX, a credit reporting agency, and I believe there was a failure to report and accurately investigate said matter. I had no way of analyzing how thorough this investigation was and feel I was neglected as a consumer. I believe these omissions constitutes a violation of my rights under the Fair Credit Reporting Act. 

I have contacted the loan service provider and was given a no response and I now have no idea who has taken control of loan nor do I understand the bounds of this matter due to the time that has passed. 

I am seeking complete removal of Westlake Financial car loan due to years of falsified credit reports. 

I understand that under the FCRA, I am entitled to dispute errors on my credit report and expect timely action to correct these inaccuracies. I trust that your office will assist in ensuring that this matter is resolved fairly and promptly. 


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

Greetings, I have reached out to all the XXXX  concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX  provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX  provided address information for the inquires reflecting my report - so far two of the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. OneMain signed for my letter reaching out to them concerning the following inquiry reflecting my credit report. They signed for my letter on XX/XX/2020 and today is XX/XX/2020 and they have not replied within the 30 days given to response. This company which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts. It needs to be removed asap.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested to have my XXXX with Coinbase sent to another wallet. A 3 day delay was initiated unless ID was verified for an immediate send. I complied even though I have had transactions with this company for several years. I sent my DL and selfie both via their web interface and app as requested. Both image files and live camera shots were sent. I was told on 3 separate occasions via the web interface that my identity had been verified. An email confirming such was never sent. The XXXX transfer remained on hold. After the 72 hour hold time had passed, it now reads on the app that the transaction is on hold until XX/XX/XXXX at XXXX via the app. The web interface says current time ( see screenshot ) This is egregious. How can a company like Coinbase be allowed to do business in this manner? They are a public company.
Product: Credit reporting or other personal consumer reports

Subject : Continued Dispute of XXXX  XXXX on Credit Report Current Dispute File number : XXXX TO WHOM IT MAY SINCERELY CONCERN : I am writing to dispute the following information in my file. 

This XXXX  XXXX Bankruptcy is out of compliance as you can see that it has exceeded the maximum 7 years of punishment allotted. The XXXX  XXXX was filed on XX/XX/XXXX that will mark 8 years two months to the date. I am requesting that this item be removed from my credit profile. 

Enclosed is documentation supporting my request : [ describe the documents youre sending, for instance : my credit report, with the disputed items circled. 

Additionally, I have concerns as Rushmore was impacted by a serious security breach that according to XXXXXXXX XXXX Maine Attorney General has put at risk sensitive information of 14.6 million individuals. 

Please investigate this matter and remove outdated information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE NUMBER XXXX XXXX DATE FILED XXXX XXXX XXXX XXXX DATE DISCHARGED XXXX XXXX XXXX XXXX CLASSIFICATION & TYPE : BANKRUPTCY, XXXX XXXX RUSHMORE SERVICING REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened complaints to Transunion and XXXX regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to Transunion and XXXX. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both Transunion and XXXX  have deemed to be incorrect.
Product: Credit card

I was charged {$500.00} by " CHASE HOME XXXX XXXX XXXX  '', which was a commitment fee for a mortgage. The issue I have is that Chase told me in writing that the mortgage loan I applied for would have one set of terms, and they significantly changed those terms after I had paid the fee. I consider this to be fraudulent, and when I asked for my fee to be refunded, the Chase mortgage representative at the local bank stopped responding to my messages altogether.

I then contacted Chase card services to open a dispute. I was asked on four separate occasions to call them to provide more information. At no point did Chase open a dispute, conduct an impartial investigation, or provide a temporary credit to my account. At all times, the representatives seemed confused and did not understand what I was disputing.

I was ultimately told that Chase card services would not open a dispute and would not provide a credit for the {$500.00}. It is deeply concerning that Chase would not even open an impartial investigation, never mind conduct one, when I was disputing a charge from another part of Chase.
Product: Mortgage

I fell behind in my mortgage payments due to loosing my job and being a single mom. after several months I received a streamline modification package from chase, I had it notarized and sent back, then I got a call from chase stating the notary was not done correctly and they were sending me another package. I received XXXX package and had it notarized again and sent back, they said it was still incorrect and chase cancelled my loan modification. I dont know why I am being punished for notary error. I asked them to send me another package, they are refusing to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ACCEPTANCE HAS NOT BEEN UPDATING MY XXXX CREDIT REPORT AT ALL. IVE BEEN DISPUTING THIS ACCOUNT SINCE XX/XX/XXXXAND EVERY TIME THEY COME BACK WITH THE SAME ANSWER ON THE COMPLAIN. XXXX DOESNT REVIEW OR USED THE DOCUMENTS THAT YOU SEND IN AS YOUR WAY OF DISPUTING THE ACCOUNT. THEY CLAIM THEY DO A THROUGH INVESTIGATION ON ONES DISPUTE BUT I DONT BELIEVE THEY DO. I HAVE DOCUMENTS THAT SUPPORTS MY CLAIM ON WHY THEY DONT. ONXX/XX/XXXX I SENT IN A DISPUTE WITH XXXX ONLINE AND THE FILE NUMBER IS XXXX. I DISPUTE THE BALANCE ON THE ACCOUNT AND IT SHOWED THE ACCOUNT STATIC AS BEING OPEN. I RECEIVED DOCUMENTS FROM CREDIT ACCEPTANCE THAT SHOWED MY PAYMENT HISTORY ON THE ACCOUNT. THAT SHOWED MY FIRST PAYMENT ON THE ACCOUNT WAS MADE IN XX/XX/XXXX AND MY LAST PAYMENT THAT THEY RECEIVED WAS XX/XX/XXXX WHEN I TRADE MY CAR IN AND THE DEALER SENT IN A CHECK IN XXXX THAT PAYED OFF THE CAR.. SO ON MY CREDIT REPORT IS SHOULD SHOW 15 PAYMENTS ON THE ACCOUNT WHICH IT DIDNT SHOW. SECOND THE BALANCE SHOULD BE XXXX AND NOT REPORTING ANY BALANCE WHICH IT SHOWED ON MY REPORT. FINALLY IT SHOULD SHOW CLOSED AS PAY AS AGREE INSTEAD OF SHOWING OPEN WITH A BALANCE. I CALLED XXXX AND THEY STATED THAT THE ACCOUNT WAS DELETE WHICH I INFORM THEM THAT THE ACCOUNT SHOULD OF BEEN UPDATED AS CLOSE PAY IN FULL. I WAS INFORM THAT I WOULD HAVE TO GET IN TOUCH WITH CREDIT ACCEPTANCE ABOUT THIS. AWHILE BACK I RAN WITH THE SAME ISSUE ON MY XXXX XXXX CREDIT REPORT AND YES THE ACCOUNT WAS DELETE AND WITH THE SAME RESPONSE FROM CREDIT ACCEPTANCE THEY DIDNT DELETE THE ACCOUNT BUT WOULD LOOK INTO IT. I TALKED TO XXXX XXXX FROM CREDIT ACCEPTANCE AND THAT WHEN SHE SAID I WOULD NEED TO SEND A LETTER THAT STATE THAT I WANT THE ACCOUNT REINSERTED BACK ON MY CREDIT REPORT WHICH IT HAS BEEN BUT ON THAT REPORT IT REPORTING BALNCE WHICH IT NEEDS TO BE UPDATED AS CLOSE PAY AS AGREE NO BALANCE. I SENT AND I CALLED XXXX XXXX AND I SENT HER EMAIL ABOUT THIS AND SHE SENT ME EMAIL BACK STATING THAT THE ACCOUNT WAS DELETE. SO WHY WAS THE ACCOUNT DELETE AND WE RAN IN THIS SAME ISSUE ON MY OTHER REPORT. I DIDNT ASK TO HAVE THIS ACCOUNT DELETE I WANTED THIS ACCOUNT UPDATED AS CLOSED, PAY AS AGREE WITH XXXX BALANCE AND MY PAYMENT HISTORY REFLEXING FROM TIME OF THE LOAN WHEN IT WAS PAYED OFF. IT TIME FOR CREDIT ACCEPTANCE TO START TAKING RESPONSIBILTY ON THIS ISSUE. AND YES XXXX   ALSO. DATE OF LAST PAYMENT ON THIS ACCOUNT SHOULD BE XX/XX/XXXX THAT IS WHAT IS STATE ON MY TRANSITION HISTORY OR PAYMENT HISTORY FROM CREDIT ACCEPTANCE. XXXX  DATE OF LAST ACTIVITY IS WRONG AND I HAVE DISPUTE THIS TIME AND TIME. IT SHOULD SHOW AS DATE OF LAST PAYMNET WHICH IS XX/XX/XXXX NOT XX/XX/XXXX AND EVERY TIME I DISPUTE THIS XXXX  IS ALLOWING CREDIT ACCEPTANCE TO PUT IN ACCURATE INFORMATION ON MY CREDIT REPORT WITH OUT CHECKING VERIFYING THE DOCUMENT THAT I SENT IN. WHEN YOU LOOK AT THE PAYMENT HISTORY DATE OF LAST ACTIVITY SHOULD BE THE SAME AS DATE OF LAST PAYMENT. WITH PUTTING WRONG INFORMATION ON ONES CREDIT REPORT ARE YOU AWARE YOU CAN LOWER SOMEONE CREDIT SCORE.
Product: Debt collection

Creditors discount & audit Co. has relentlessly called and emailed me. I have talked to them multiple times, have a payment plan scheduled- through XX/XX/2024, and they have my card on file. I have still been receiving non stop phone calls from them, at least 2-5 a day. They leave voicemails saying to call them back, and they have also called my work ( which I am no longer employed at ) multiple times. I have asked that they stop calling my work, they have not. I have asked them to stop calling me. They have not. I have done everything they have asked and have emails proving I have a payment plan set up. I have kindly asked them to stop harassing me as I have already set up a payment plan through the end of the year, AND they have my card on file. I jXXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are medical bills that are being payed on and have been for months now. The only reason they went to collections to begin with is because I was XXXX XXXX ( XXXX XXXX XXXX ), and had a hard time catching up financially once going back to work. I immediately contacted them when I was in an ok spot financially and have been treated as if Im some pathetic person not paying my bills. Again, I would like to reiterate that these are medical bills from the birth of my son, who turned one a few WEEKS ago. And these harassing calls started around XX/XX/2024. I was on XXXX XXXX for 12 weeks ( 3 months ). So after only being back to work for 6 months, the harassment started. I will attach every email and voicemail necessary. This is a scary level of harassment and the mental toll this is taking on me as a new mom is continuing to get worse. I can only imagine how many other struggling XXXX XXXX have been put through this from them. Shame on them. As if new mothers arent going through enough mentally, physically, financially. This should not be allowed and I hope they are as embarrassed as they made me, in my XXXX XXXX, getting phone calls from them AT MY JOB. I was trying to get my life back to normal and my finances back in order. While already dealing with the guilt of being away from my infant. Do better.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal background information to confirm my identity is inaccurate and wrong causing several problems with my bank access on my accounts. The security questions are placed on me about people I do not know nor familiar. My rental history is inaccurate and out dated. My rental on vehicles is asked instead of my personal vehicle owned. All the security questions asked does not show I am the owner of my own checking accounts thus causing massive problems with my identity to be verified. The problems mounted with incorrect update of my credit report too. The debt shows up repeatedly on my report despite the settlements. I have contacted this agency numerous occasions by phone yet it was never remedied. The dates of problems dates from 2013 to present.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I submitted a dispute with TransUnion and its been over 30 days and I havent heard anything back in regards to that dispute. This is unacceptable.
Product: Credit card or prepaid card

I opened a line of credit from XXXX to purchase an XXXX. This was a deferred interest purchase. I also made a few other regular purchases. My deferred interest is expiring on XXXX. On XX/XX/XXXX I made my payment of {$100.00}. I then called on XX/XX/XXXX and requested to make a payment on the deferred interest balance which was {$560.00} and was assured by the agent this would be applied to the balance of the special finance balance. A few weeks passed and I noticed the deferred interest balance was still on my statement. I called again and was told I was wrong and the {$560.00} was paid to the deferred balance. In XXXX I received my new statement and the deferred interest still has a balance. I then sent out three emails and am being told I can't make a payment to pay off my deferred interest balance.
Product: Credit reporting

I tried to apply for credit, it turns out that Experian has wrong Social Security number on file for me, as a result I was denied credit, it was for my studies, now I can ca n't continue my education because of somebody else 's carelessness. My future is in lined to my credit report and i an really upset to such carelessness from Experian.
Product: Credit card or prepaid card

I have paid off my Capital One credit card in full every month except the month of XXXX, but Capital One charged me a double interest fee for not doing so. I was charged an interest fee in XXXX and another interest fee in XXXX, even thought I paid off my credit card in full for the month of XXXX. And when I contacted Capital One about the interest fee I was told " that's just the way they do it ''. They are ripping off their customers.
Product: Credit card

The reporting constitutes an outdated demerit past the legal time limit and collection of the initial matter exceeded the California Statute of Limitations of 4 years and should be removed. 

There was a dispute regarding application of payments towards account which led to a discrepancy in the crediting of payments made, a negotiation took place and favorable results were obtained, however the company did not follow our stipulation and erroneously made incorrect payment remarks on my account. Problems occurred with customer service not be effective in resolution of the problem. I contend that I was in complete compliance with the payment terms and conditions and that all payments were made in a timely fashion. 

After a lengthy continued negotiation on the matter illegal collection continued which exceed the statute of limitations- 4 years. The debt is illegal, contains outdated demerits and must be removed as it exceeds the legal time limit. All payments were made in a timely manner and in a sufficient amount as not to be a contractual violation at a time when the contract was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 36 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The first XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00}. I've received notices back from all 3 bureaus Equifax, XXXX XXXX, and XXXX stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX / XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

No validation notice was sent to address violations of FTCPA QUALITY ASSET RECOVERY Was already disputed and remove from XXXX XXXX credit report. Sending me a pass due amount of {$5200.00} thats have been already resolve due to code violation report number XXXX on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquires on my report from XXXX XXXX XXXX on my credit reports one on XX/XX/XXXX and one on XX/XX/XXXX and I have never applied to XXXX and have no idea that it is.
Product: Credit card or prepaid card

HSBC BANK has mishandled our credit and issued credit cards we did NOT request .... we moved to the US in 2017 and transferred our accounts to HSBC US. We have written to HSBC to the address reported on the credit and letters came back UNDELIVERABLE ... SEE EVIDENCE OF F.C.R.A. VIOLATION ... THIS IS F.C.R.A. VIOLATION NOT TO MENTION F.D.C.P.A. VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint regarding the fraud information on my consumer report. I referenced U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 BUSINESS DAYS after the date of receipt by such agency. As of XX/XX/2023 the information remains on my report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My credit report on XXXX shows I have a collection accocunt with {$47.00} and I have totally no idea why this record is showing on my credit report, and the collector SOUTHWEST CREDIT SYSTEMS refuse to look up my case for me.
Product: Checking or savings account

I recently got a new job and it takes a month for XXXX to start direct deposit. I've been depositing my checks via ATMs. The first time, my check was held for a week. That was annoying but I had residual money from my last job so I got by and the check cleared just in time for rent. This time, they're holding the check for 10 days and after paying rent, my bills, and elevated gas prices, I have nothing left. My check doesn't clear until XX/XX/23 which means it will be time for my next paycheck. I'm going to lose my job if I can't figure out a way to put gas in my car. I can't even afford to get a bus pass. If it weren't for the kindness of friends, my cats wouldn't have enough food to eat. I think there's something really fishy going on at Bank of America. I'm going to close my account and find a different bank once this check clears but I think it would be a good idea to warn consumers about this. I've spoken with friends and my employer who have all said that B of A 's hold times have started affecting them as well. It's not that they hold things, it's the unreasonable amount of time a person has to wait and the unclear reasons why holds are placed.