23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased a 2000 XXXX XXXX which was financed by Westlake Financial Services, LLC in XX/XX/XXXX. During a difficult financial period before I passed the California XXXX XXXX, my car was repossessed for being 45 days late. After extensive conversations, I was provided with a viable option to obtain the car back, including the waiver of repossession fees. I did in fact get my car back and paid off the loan in XXXX, except for a small balance representing the repossession fees ( which still had not been removed ). 

After several heated conversations with representatives of the company, this charge remained on my account. They threatened to repossess the car, but did not take such action ( in fact, the balance was charged off by Westlake in XXXX ). 

In XX/XX/XXXX, I received a letter from Westlake/Redress Administrator along with a check for {$180.00}, in connection with the Consent Order that Westlake Financial Services, LLC entered into with the CFPB ( File # XXXX ). I was identified as Group B in the letter. 

I reached out to Westlake in XXXX of XXXX and spoke with Mr. XXXX who advised me " well I'm not just giving you your title ; you have to pay something '' and falsely claimed that I received a refund check for interest ( I have in fact read the Consent Order in its entirety ). Mr. XXXX tried to make me pay {$230.00} to obtain my car title and refused my request to speak with a supervisor. He advised me that my only recourse was to send a letter to the charge off department. I subsequently sent a letter and received no response. On XX/XX/XXXX I finally got a supervisor on the phone ( XXXX XXXX ) who advised me to email all documentation to him so he could personally address the matter. When I called today ( XX/XX/XXXX ) I was transferred to a representative named XXXX XXXX who refused to transfer me to Mr. XXXX and insisted that I should have taken the check I received to pay them and demanded that I pay them in full. He also stated that the Consent Order did not apply to me. 

Westlake Financial Services, LLC is holding my car title XXXX. While I purchased a new car last year ( directly through XXXX ), I am unable to do anything with the 2000 XXXX because of their egregious practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Information is attached.
Product: Debt collection

HUNTER WARFIELD INC XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$29000.00} does not belong to me. The company continued to ask for documents and identification to further scam me or commit fraud which i do not feel comfortable sending information to this company i have never done business with. This company doesn't have any information or documentation on me due to this being fraud. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Student loan

MEFA reached out to explain that the borrower was told that be lowering his payment to something he could afford that he would likely have to pay more in the future. No amount was given just a likely increase.MEFA made more money and the borrower now has no options and a payment that is impossible to pay. Because the borrower needed help paying they are now in a very bad situation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2 : It also a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute into the credit reporting agencies. I have not received a response nor has any of my accounts been tagged as in dispute. I received a letter to verify I sent the disputes. However, my information, including my social security, proof of address and drivers license was attached to each letter. 
The disputes were sent on XX/XX/2023. I have attached the original disputes below as well as the letter I received.
Product: Student loan

I received a call from Performant Recovery on my work phone yesterday XXXX. When I answered the lady identified herself and said she was calling to collect a debt from when I attended school at XXXX. Currently I am in a program with XXXX relief to handle my private school loans. I told her do n't ever call this number again because it 's my work phone. She got angry and said well I ca n't reach you at your other phone. I said I do n't care do n't call this number ever again. She said I 'll just call the other person and hung up on me. She then called my mom 's work phone and harassed her. This made my mother angry as well. Very unprofessional and very ILLEGAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to follow up the previous CFPB complaint I submitted requesting that you remove the fraudulent accounts and information I found on my Credit File. I was a victim of Identity Theft anf the items I am disputing were the results of the crime. I did not authorized the disputed accounts neither did I allowed anyone to open such accounts on my behalf. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the following accounts and information off from my Credit File as soon as possible : 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 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. I have read enough to understand my consumer rights under the Federal Law, Fair Credit Reporting Act. By submitting this CFPB Complaint, I am hoping that you will comply with the law and completely delete the disputed accounts and information off from my Credit File as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX  XXXX XXXX IL 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: Credit card

I received an email from Destiny Mastercard saying that i was approved for a {$700.00} credit card. So i completed the application for further approval and was denied. I requested information on the preapproval that lead to this approval but didn't receive anything back from the card company and if i wasn't really approved i shouldn't receive misleading emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Last XX/XX/XXXX, I received a statement of account dated XXXX XXXX, XXXX from Wayfair for a purchase I made way back in XX/XX/XXXX. Because the purchase was a good 10 months ago, I am almost certain I had already paid for it, because I always make it a point to pay my credit card bills on time and in full. So on XX/XX/XXXX, I called Comenity ( the bank that issues the credit card for Wayfair ) to make a dispute. 

I received a response last week from Comenity ( dated XX/XX/XXXX XXXX, saying that there was an error in processing, that the XX/XX/XXXX purchase was charged to my Wayfair account, but it did not post until XXXX XXXX, XXXX. They also said I should provide the receipt and documents proving my payment. 

I do not hold records as far back as XX/XX/XXXX. My husband and I were paying so many bills because we were renovating our house then. Not one of the suppliers or merchants complained, because we were paying religiously. 

I could only show them that my online Wayfair account shows a balance of only {$4.00}. I also just decided to send them a check for {$160.00}, the purchase amount, just to get it over with. 

What upsets me is that they said they already informed the credit bureau reporting agencies ( XXXX, XXXX, XXXX and XXXX ) about the incident. The dispute is not even settled, yet they already dragged my name to those agencies. They jeopardized my excellent credit rating, on a debacle that they created. 

My friend told me last Monday that the same thing happened to her with Wayfair/Comenity. They were charging her for something that she already paid. She filed a dispute with proof of payment. But it's been a year now, and the issue is still on her credit record. She has repeatedly tried to call Comenity to request that it be stricken off her credit records, but has been told that they don't have a department or contact person in charge of it. On top of it, my friend says that the same thing happened to her mother. 

What is it about Wayfair-Comenity? They are suspect if not just plain inefficient. They should not blackmail their customers with credit reports, specially since these incidents were not the fault of their customers, but Wayfair-Comenity 's to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an FTC Identity Theft Report Dispute to Equifax, XXXX XXXX XXXX requesting them to PHYSICALLY VERIFY & provide the " METHODS OF VERIFICATION '' for the disputed accounts via certified mail ( copy of letter & FTC ID Theft Report attached ) they were received by Equifax, XXXX XXXX XXXX on XX/XX/2021 & XX/XX/2021 respectively ( copies of Proof of Service attached ). As of today XX/XX/2021, I have received neither PROOF OF VERIFICATION, nor any METHODS OF VERIFICATION. These are violations of my rights under FCRA Section 611.
Product: Credit reporting or other personal consumer reports

I have disputed and contacted XXXX, Equifax, and XXXX numerous of times, they are ignoring my request. I know they have been under fire for false and misleading credit reporting and they are not protecting me as a consumer. 

I have requested to see verifiable proof ( an original consumer contract with my signature on it ) that they have on file for the accounts listed below. They have failed to provided these documents. I ask for a VALIDATION OF DEBT, otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and buy a house for my family. Under the FCRA, inaccurate, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Account # : XXXX Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts 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 XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I called Aidvantage on XX/XX/22 to request a refund of {$1900.00}. The refund was for funds that I had paid during the XXXX payment pause. I was told it would be processed and I would receive a refund in XXXX weeks. I called back about XXXX weeks after my request to check the status since I had not received the refund. They said that the time frame had changed to XXXX but my request was approved and I didnt need to worry. Throughout this there was no way to get a tracking number or any confirmation outside of verbal confirmation. When I called back XXXX weeks later XX/XX/22 I was told that it was approved but never processed so the request was not sent to the XXXX XXXX As of the XXXX I was told this has been processed and expedited but since the Treasury is back logged it will still be an additional XXXX weeks. This will leave me without a refund for up to XXXX weeks from the original request all due to them not properly submitting my request. They said there is nothing more they can do. I find them XXXX XXXX  at fault and I am left without money that is rightfully mine
Product: Vehicle loan or lease

Last payment made on XX/XX/2018. 

KeyBank sent title to incorrect address, despite correct address on file for billing statements, and vehicle registration.

I have called KeyBank > 5 times, asking where my title is. KeyBank has promised that they are looking to find the title. On other calls, they have refused to send a new title to me, the owner. On my latest call XX/XX/2018, KeyBank stated they would send a new title to me, however I have still not received it. They have sent a lien release statement on multiple occasions, but still no title.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint To Whom It May Concern : I am writing to file a complaint against Equifax regarding the reporting of my Chapter 13 Bankruptcy account. The details are as follows : Account Status : Discharged Reference Number : XXXX I have recently reviewed my credit reports from all three major credit reporting agencies : XXXX, Equifax, and XXXX. I have found that while Equifax has reported this bankruptcy account, the other two agencies ( XXXX and XXXX ) were unable to verify the existence of this account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The fact that two out of three agencies could not verify this account indicates a clear failure to meet this standard. 

Given this situation, I formally request the immediate deletion of this bankruptcy account from my Equifax credit report. The continued presence of this unverified account is a violation of the FCRA and negatively impacts my creditworthiness. 

I expect a prompt response to this complaint, and I request that you provide a free copy of my credit report after any necessary adjustments have been made. 

I DO NOT WANT AN E-OSCAR REPORT
Product: Credit card or prepaid card

I have tried resolving this issue with XXXX  and XXXX to consistently receive the same frivolous response. I have also contacted the creditor : Capital One of this fraudulent account that reflect my credit report. I have not received any response from the company
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

I continue to receive debt notifications from Machol and Johannes, despite my numerous attempts to verify the debt. In response to their initial collection letter, I replied with a request to verify was sent on XXXX XXXX, XXXX and XXXX XXXX, XXXX ( I have documentation to support my claim ). I did NOT receive a response with the verification that this was my debt and have not heard from them until recently. On XXXX XXXX, XXXX, Machol and Johannes sent a collection notice to an old family address in XXXX. It was to a residence I 've never lived at, as I have not lived in XXXX since XXXX. It was through various sources I found out about the collection notice, which was sent to a XXXX party. The only logical reason for them to contact an old family address is that the statue of limitations in XXXX is XXXX years in my resident state of XXXX. Another concern is if they take this alleged debt to court, there is no way I will receive the notice, as I do n't live in XXXX and have no family living at the address they are using -- and I will not have the opportunity to present my evidence disputing the claim.