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

I financed a car through Westlake Financial back in XX/XX/2014 with a very high interest rate and monthly payment. I am in the process of refinancing that loan through my credit union ( XXXX XXXX XXXX XXXX XXXX  ) with a much lower interest rate and monthly payment. I have worked on my credit and paid the high car payment on time for 3 years and am now in a position to be approved for refinancing which was always my plan with this car loan. I have been calling Westlake Financial for almost 2.5 weeks and had very poor customer service and been give different information from everyone I have spoken with. I even spoke to a lead supervisor named XXXX XXXX and she was very rude and rushing me off the phone. I need a front and back COPY of the title to my car, in order for credit union to refinance. Westlake Financial is giving me the run around and saying they do not release that type of info. Basically, Westlake Financial is preventing me from refinancing my car at a lower interest rate and monthly payment by not providing my credit uinon with just a front and back COPY of the title to my car which is needed by the credit union to verify the car has no other lean holders.
Product: Credit reporting or other personal consumer reports

I paid off my loan and have an email from XXXX XXXX stating that fact. Nonetheless, XXXX XXXX failed to report that fact to all the credit bureaus. It shows that I still have a balance and the fact that the account was paid in full was never reported.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 USC Code 1681eb. 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 those account 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Consumer Loan

I request to dispute the payment late for XXXX days that has been appearedIn my credit score information. I have some reason why I late to pay. 
The reason is when I got accident my insurance company said thatThey will pay off my car so I delay my payment. 

The XXXX reason are I have already pay for the insurance full coverage withXXXX XXXX but my lenders which is BECU still charged me for full coverages insurance. 
In that time I need to pay XXXX for the insurance. After I talked to themThey said that they will reduce my monthly payment but the monthly paymentStill in the same amount. Then I delay again my payment. 

Thanks for ur attention. I ll wait for ur best resolution and suggestionBecause this case has already ruined my credit score so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I have never missed any payment for anything in my entire life. Due to an error of Navy Federal Credit Union, my credit score has been significantly decreased and I am unable to purchase a home. Please remove the {$12.00} error from Navy Federal Credit Union that has significantly impacted my otherwise perfect credit.

I opened a Navy Federal Credit Union Credit Card to pay for a medical procedure. When I was able, I paid off this account in full. I paid in full. I assumed that was it. Navy Federal said that I didn't pay the {$12.00} of interest on the amount I paid off and sent that amount to collections. I never received a phone call about this amount. I never received a text message about this owed. I never received any mail to my house about this until I got a letter in XX/XX/2022 saying I was 60 days past due on {$12.00}. As I had already paid off this account, I was confused. Also I didn't understand how they NEVER CONTACTED ME IN ANY WAY about this {$12.00} owed. I immediately paid but this has now beed reported to the credit bureaus and has significantly impacted my credit score. How can a bank plummet someone's credit over {$12.00} that they never knew they owed? If I am not contacted about an amount I owe, I can not pay that amount. I am happy to share my phone records or records of USPS scans of incoming mail to my house. I never received any contact from Navy Federal Credit Union over this {$12.00}. I'd like this {$12.00} past 60 days due off of my credit score reporting but I contacted Navy Federal and they said they were unable to help. They were not helpful. I would never do business with them again but I hope the CFPB can do more.

People should not have their credit ruined over {$12.00} that they didn't know that they owed. The bank should have to show that they contacted the person before they sent it to collections. I am happy to show I was never contacted in any way until I got a letter saying I was 60 days past due. This has impacted my credit score by at least XXXX points. I would have otherwise perfect credit if it was not for Navy Federal Credit Union 's poor policies. Now I likely can not buy a house over this {$12.00} issue. Please do not let this happen to other people.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX, I was able to change my payment date. Now, I am not able to change my payment date. I paid the postponed payment date on the date I requested to postpone. There was no announcement or email from NetCredit that I could no longer postpone the payment date. It was easy and transparent for me to log in and change the date without a representative involved.
Product: Checking or savings account

I 've been having an ongoing dispute with a merchant who did not provide me a service and product that I purchased. I 've contacted them multiple times for over a month to get it resolved, but they did not help. 

I then contacted chase claims to try and get my money back through them. Yet after many days and long hours of providing information they asked for and providing all the proof they asked for, they denied the claims and are keeping the charges on my account. Therefore, I lost {$13000.00}. 

Chase 's reason is that it is a billing dispute that I need to handle with the merchant. Although repeatedly, I stated that I did not receive what I had paid for, so it is not a billing issue. 

I went through the reassertion process to get the claim reopened and provided everything they asked for. They said if I provided everything they asked for, it should be reopened. Yet, they came back with the same response, saying it 's a billing issue and can no longer be reopened.
Product: Credit reporting or other personal consumer reports

I need your assistance with the incorrect account appearing on my credit report. This issue has affected my reputation as a customer, and Im seeking your support. Please remove these accounts, as they are being reported inaccurately and reflect negatively on me.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX  have sent over several request to in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation.
The company has already exceeded the time allowed to address the concerns.
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal.

Tracking numbers: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. 

I formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. 

I have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately.
Product: Bank account or service

THERE WAS AN AD SHOWING THAT THERE WAS A FREE TRIAL AND I ONLY PAY THE SHIPPING COST. I PAID THE {$4.00} FOR SHIPPING. ON XXXX XXXX, XXXX THERE WAS A CHARGE FOR {$97.00} FOR XXXX AND A CHARGE OF {$99.00} FOR A PRODUCT CALLED XXXX. I NEVER AUTHORIZED THESE CHARGES. THEY USED MY DEBIT CARD NUMBER AND I WAS CHARGED FOR THESE PRODUCTS. I FILED A DISPUTE WITH ACE ELITE AND THEY REFUSED TO CREDIT MY ACCOUNT. I NEVER RECEIVED THESE PRODUCTS AND I 'M ON A FIXED INCOME AND THEY ARE SAYING THAT THE PRODUCTS WERE DELIVERED. ALSO THERE IS A CHARGE OF {$92.00} ON XXXX XXXX, XXXX FOR A XXXX WHICH IS ANOTHER CHARGE THAT I DID N'T AUTHORIZE. I 'M BEING CHARGED FOR PRODUCTS THAT I 'VE NOT RECEIVED. I FOLLOWED PROPER PROTOCOL AND ACE ELITE IS SAYING THAT I RECEIVED THE PRODUCTS. THESE PEOPLE HAVE SCAMMED ME AND I WANT MY ACCOUNT CORRECTED. I HAVE NOT RECEIVED ANY OF THESE PRODUCTS AND I LIVE FROM CHECK TO CHECK. THESE PEOPLE GOT MY CARD NUMBER AND NOW I 'VE GOT TO SUFFER BECAUSE OF THEIR SCANDALOUS MAKING CHARGES TO MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX account number XXXX ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 someone accessed my Wells Fargo online account and completed several cash advances and online transfers to my Wells Fargo Business Account. Shortly after that person made XXXX wire transfers from my Wells Fargo Business Account to a XXXX XXXX  XXXX account in the name of XXXX XXXX for the amounts of {$10000.00} and {$8500.00}. None of these transactions were approved nor do I know a XXXX XXXX. I noticed this fraud within 1-2 hours of the transactions and reached out to Wells Fargo while the transaction was still pending hoping to stop the transfer of funds and to file a fraud report. The next day ( XX/XX/2023 ) I went into a Wells Fargo branch to see if there was any further action needed but they verified that a fraud report was submitted and that it was under review, at this time the transaction was still pending. On XX/XX/2023 I received a letter stating that my fraud report was denied. At that point all transactions had been posted on my account. After that I filed a police report and spoke with a Wells Fargo investigator. Since then no action has been taken by Wells Fargo to correct my fraud issue.
Product: Debt collection

I had my wife contact this company concerning a debt that they are reporting on my credit with XXXX XXXX XXXX as the original account owner. My wife informed them that this was my mother 's loan and that she filed bankruptcy so I am not responsible for this account. XXXX XXXX, the collection agency reporting on my credit is also not Surety bonded in the state of Texas and per the Texas Finance Code Section 392.101 they can not legally collect
Product: Credit reporting or other personal consumer reports

Under the FCRA, all information reported to credit bureaus must be accurate, up-to-date, and complete. The item listed on my report fails to meet these criteria, and its presence is not only damaging to my credit standing but also violates the principle of reporting only accurate and verified data. This inaccurate entry is an error, and it needs to be corrected promptly to ensure that my credit report fully reflects accurate information.
Product: Credit reporting or other personal consumer reports

I went to acquire a car and my credit has over 20+ hard inquiries and I dont know why.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote to XXXX XXXX XXXX in regards to them saying I owe them {$400.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I  received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote TransUnion, XXXX. XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 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. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I also wrote XXXX XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$260.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them.And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote TransUnion, XXXX. XXXX  informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX on XX/XX/2018 in regards to them saying I owe them {$40.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote TransUnion, XXXX. XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$980.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And I haven't received any information. I recently checked my credit report and I see they our reporting this debt from XXXX in the amount of {$450.00}. These accounts are not mine and I would like it removed.So on XX/XX/2018 I wrote TransUnion, XXXX. XXXX  informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I ALSO WROTE THEM ABOUT XXXX XXXX AND XXXX XXXX IN WHICH I HAVENT RECEIVED NO UDPDATE! I WROTE TO TRANSUNION, XXXX, AND XXXX ABOUT THESE UNAUTHORIZED INQUIRIES REPORTING ON MY CREDIT REPORT. I WOULD LIKE ALL THIS INACCUARATE INFORMATION DELETED OFF MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

National Credit Adjusters sent me a letter stating that I own {$440.00} on an account that is not mines. I replied to them and stated that the account was n't mines and if they can validate the information by providing a copy of the original contract bearing my signature. This company has only sent me an itemized bill of a credit card statement. I have asked them for proof for over a year and they have yet to comply. I have sent them a letter stating that according to the FTC that a printout of a bill or itemized document does not constitute verification of a legally binding contractual obligation agreement. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if they do not take this off my credit report no later than XXXX XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2022 I received a letter in the mail from XXXX XXXX ( ATTN : Credit & Order Operations, XXXX XXXX XXXX, XXXX, FL XXXX ) that has two credit reports listed that are ran in my name, both of which I dispute, but more importantly I never authorized XXXX XXXX to run my credit and I never applied for wireless service through them which is stated in the letter as the reason for the two credit reports. The whole letter looks suspicious but again most importantly XXXX XXXX was never authorized to run my credit. The is an application number listed on the letter but like I said before I never made any application to XXXX XXXX that would warrant a credit check. I have XXXX XXXX pre-paid phone service, so the whole situation is extremely suspect/strange. The credit reports listed are from XXXX XXXX XXXX XXXX Experian.
Product: Student loan

Im have financial difficulties at the moment and I have been trying to fix my credit and pay off my bills, also trying to refinance my car. please remove any bad reporting on my report. I intention is to pay off my balances. 

Thank you
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report that do not belong to me and I reached out to the company to provide me with more information but the company did not provide me with any information due to me not having the address, email or phone number that was on the account they then prompted me to email they customer service department to request that information and I emailed on multiple occasions and never received that information and then I took matters to disputing it with the credit buearus and they did they investigation and said this account belong to me and it doesn't belong to me
Product: Debt collection

XXXX was reached to settle two separate debt accounts with TRUEACCORD LLC. I purchased two separate certified checks through my bank on XX/XX/19 payable to TRUEACCORD, each printed with the corresponding account number. One was for {$260.00} and one was for {$310.00}. I sent the checks together in the same envelope via certified mail with signature confirmation on XX/XX/19 to TRUEACCORD LLC. I received confirmation that TRUEACCORD LLC received the check for {$310.00} and my debt for that account has been settled on XX/XX/19. I called to verify that they received the {$260.00} check and they stated they did not. I explained how I mailed them together and they denied that they lost the check but they would look into it. I called twice more since then and they deny ever receiving the check. I have verification that the money has been withdrawn from my bank account, copies of the check sent, and copy of the fact that it was sent via certified mail. I called for the last time on XX/XX/19 and they again denied they ever received the check and they could not help me.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Also Known As : XXXX, XXXX, XXXX  Also Known As : XXXX  XXXX, XXXX Also Known As : XXXX XXXX Previous XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Previous Address:XXXX XXXXXXXX XXXX XXXX, SC XXXX
Product: Credit card or prepaid card

I purchased 6 airline tickets XX/XX/2019. XXXX XXXX cancelled flight and offered full refund. I have received refund on 5 of 6 tickets. Barclays  MasterCard charge XXXX for ticket number 6 only refunded seat upgrade fee and not ticket price of XXXX. XXXX XXXX insists they gave to Barclays. I have been disputing with Barclays for over 9 months and just get a runaround with no return calls or resolution. 
Thank you for your assistance