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

I am writing to file a formal complaint against Westlake Financial, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX regarding fraudulent practices and the inclusion of an unauthorized extended warranty in my auto loan contract. The actions of these entities have resulted in financial harm and a violation of my consumer rights. 

On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$11000.00} ( see attached XXXX  and XXXX ), with a down payment of {$1300.00} ( {$500.00} trade-in and {$800.00} cash ). To finance the remaining amount, I secured a loan through Westlake Financial. 

Recently, on XX/XX/XXXX, I noticed that my loan balance with Westlake Financial had not decreased as expected. Concerned about the discrepancy, I contacted Westlake Financial ( XXXX see attach XXXX ) to seek clarification. However, the representative I spoke with was unable to provide a clear explanation for the inflated balance. Upon further inquiry about an item called " XXXX WARRANTY '' listed on my loan contract ( See attach XXXX XXXX - Account number : XXXX ), the representative failed to provide a satisfactory explanation. I asked to be transferred to a supervisor. Unfortunately, the call was abruptly disconnected, leaving my concerns unresolved. 

I made a subsequent call to Westlake Financial on XX/XX/XXXX ( XXXX see attach XXXX XXXX, to address the issue once again. During this call, I was connected with a supervisor who shed some light on the matter. The supervisor confirmed the presence of the " XXXX WARRANTY for SERVICE CONTRACT '' on my loan contract but did not offer a clear explanation for its inclusion. When I expressed my desire to cancel, the supervisor assured me that it was indeed possible to cancel the warranty and receive a refund that would result in the being applied to the loan 's principal, which currently stands at {$12000.00} ( See attach XXXX  ). 

The supervisor at Westlake Financial told me that to proceed with canceling the warranty I would have to call XXXX. XXXX as indeed I did it XX/XX/XXXX, she told me they can not do it. So then, I contacted XXXX XXXX ( XXXX XXXX  ) on Monday, XX/XX/XXXX. However, my attempts to reach a representative were largely unsuccessful, and when I did manage to speak with someone, I was informed that the warranty contract had expired on XX/XX/XXXX. This contradicts the information provided by Westlake Financial, and the representative refused to transfer my call to a supervisor, citing the absence of a binding contract between us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really getting tired of these company 's getting paid to report fraudulent things on my credit report and they never what to put the good on the report or they report the wrong amount For one! I am a full blooded XXXX XXXX that has full coverage XXXX  and XXXX insurance and I have never ever had a XXXX! but also this is a recurring fraud on transunion this XXXX for XXXX because not only my self but 5 friends and family have looked at there credit report recently and have the same thing XXXX XXXX I have full medical from the XXXX why am I supposed not using my insurance this is all scams.
Product: Debt collection

I am a victim of identity theft. The accounts listed on my file are fictitious and fraudulent. I did not authorize or give consent to opening these accounts. There are a result of identity theft. My personal information email, Social Security number, home address has all been compromised. Please release me of these fictitious accounts. I demand an investigation into these accounts immediately and the removal of any reporting thank you. XXXX XXXX World Finance Corporation ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear madam, sir... 
My identity was stolen and someone opened a fraudulent credit account with USAA Savings Bank for a {$12000.00} line of credit. Most importantly, I am NOT a member of the military nor is anyone in my family. This acxount should never have been opened! I did not have any knowledge of the account nor did I give any consent on my behalf. The account was active for a period of 7 years ( from XXXX ) and I only discovered it when I got my first ever credit report in XXXX. I did not benefit in any way shape or form from this fraudulent account and the line of credit associated with it. I immidiately disputed the account and activated a credit freeze with all 3 credit bureaus as well as fraud alerts. I have contacted USAA many times over the last few years pertaining to this issue and they have verified an account connected to my name and my social security number in their database. However, Ive had two other non related instances of identity theft against me since XXXX so I have been trying to get the account disclosure information mailed to me from USAA so that I can turn that info over to my local law enforcement agency for investigation but they have been no help at all and have taken ZERO accountability for their part of the crime that they facilitated. Since XXXX  of this year i have called USAA 5 times to explain to them that I can not verify my identity on their website as they require to release any info to me because I was not the person who opened the fraudulent account and the phone number that was initially added to the account dosent match mine. Obviously. But each time i call back I have to explain the whole situation over to a new person who ultimately refers me back to the verification website cycle that im stuck in. I ask to be connected to their fraud dept only to be put on hold and connected to another employee who handles credit accounts and not fraud. I am the victim of fraud that USAA should have prevented. Their unwillingness to help and to take any accountabilty is unexceptable and so very frustrating. Im desperately filling out this complaint in hopes of getting the attention of someone with USAA who is willing and able to help me out and give me the solid answers and information that I am lawfully entitled to by law as a consumer. Thanks in advance. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried with all three credit bureau XXXX, XXXX and TransUnion to remove the late payments from XXXX XXXX. The late payments needed to be removed from my credit. I never got one statement at and was XXXX to XXXX. They mailed all the statements to Florida resident of XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by XXXX dollars, where I believe she was paying XXXX XXXX month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove sXXXX XXXX from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue XXXX XXXX. I have tried to call XXXX XXXX to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the XXXX statement and awards for the section 5 in this application concerning my veterans ' status.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my information stole in a security breach. 


XXXX XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX  XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}
Product: Debt collection

To whom it may concern my name is XXXX XXXX. Recently while attempting to log on to my online banking, I discovered an error code which led me to call my banking institution XXXX XXXX XXXX XXXX. I called and was told by a customer service representative a lien was placed on my account due to Writ of Garnishment in the amount of {$2200.00}. I was told to contact the company who placed the lien which was XXXX XXXX XXXX. I contacteXXXX XXXX XXXX XXXX the debt collector to get verifiable information and was told that there wasnt much information they could give me and that I would have to contact XXXX XXXX Courthouse to see if they can tell me what the case is about and any other information I may have. I was told that said debt was open in XXXX and I was still in XXXX at the time. A judgement was placed on the debt in XXXX and that theyve been trying to collect in the debt since XXXX. In accordance with the Florida Statute of Limitation for revolving accounts such as credit cards the statute of limitations is four years. I was unaware of any judgement, lien,  voluntary garnishment, lawsuit, etc. associated with this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stolen identity fraud open account open in my name XXXX XXXX XXXX/ XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/15 Account number XXXX Amount XXXX
Product: Credit reporting or other personal consumer reports

Experian been holding negative reporting close accounts on my credit report that I no longer need. All the accounts are closed in the negative reporting information is affecting my ability to get a house. These accounts close during the years of the XXXX which drastically affected my ability to keep these accounts open. Ive been repairing my credit ever since then, but Experian just wont remove these accounts. And to me, it isnt fair. So Im here to solve this issue. In these counts shouldnt be held on my credit report for over at nine years thats not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

1. Wells Fargo mailed the Debit Card AND the PIN that arrived on the SAME day BOTH TIMES!

a. See attached USPS Informed Delivery PROOFING this!

2. We NEVER got these items from XX/XX/2024! This was the Termite Tenting day and we were not there for the few days required when tenting.

3. Wells Fargo sent me 3 emails about declining transactions. These are FLAGS that theres abnormal activity occurring!

a. THEN still POSTS these out of our account!

4. Within 2 days of filing the Claim we got a notice saying its not your responsibility?? Obviously NO ACTUAL Investigation was conducted. Only the BASIC DEFAULT RESPONSE that the PIN issued was used NOT considering the DECLINE activity.

5. IF they actually looked at that and EVEN ASKED for more information to send these evidences then would be considered FULL INVESTIGATION. Seeing our banking history and our banking activities would also be evident that these transactions were NOT done by us.

6. The very fact that it was all at a NON-WELLS FARGO BANK with multiple transactions of withdrawing {$100.00} to {$200.00} each is also QUITE EVIDENT of FRADULANT ACTIVTY!

7. NOT to mention TRACE the ATM and LOOK at the VIDEO AT THE ATM!!

8. And AGAIN the COMPLETE IRRESPONSBILITY of Wells Fargo SENDING the DEBIT CARD and the PIN in the SAME DATE! ABSOLUTELY BANKS FAULT!
Product: Money transfer, virtual currency, or money service

Company randomly closed my account and will not allow me to withdraw {$57.00} dollars out of my account. This is a personal account that use to pay some bills and occasional payments. They will not give me any information about why they randomly closed my account and claim that they don't have to tell me anything.
Product: Checking or savings account

In XXXX of XXXX we were notified by the IRS that they did not receive payment. When I went to PNC Bank on XX/XX/XXXX they discovered that the check to the IRS must have been stolen. The check for {$50000.00} was cashed by a XXXX XXXX. At that point I made a claim with the bank and I was notified XXXX  months later on XX/XX/XXXX that they were denying the claim. The check on the Statement cleared for the correct amount and number. If you click on the check the picture comes up with his name and a different check number. The bank is claiming that I took to long in notifying them.
Product: Checking or savings account

I have a account with a company called   XXXX   XXXX   but the are not receiving the data they need from my m y Chase or the y are always slow at sending   XXXX   XXXX   the requested data from my account so that 's why they had asked me to put in a complaint with you on this matter, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that I have received notification from Transunion in regards to former complaints I submitted XX/XX/22 complaint number XXXX. The letter I received once again is unresponsive to my request. In regards to the following accounts ; XXXX XXXX, Partial account XXXX XXXX. Partial account number XXXX XXXX XXXX XXXX. Partial account number XXXX XXXX XXXX XXXX. Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
. Due to the remarkable amount of data breaches with one of the three major consumer reporting agencies, I have found it necessary to exercise my right under the XXXX XXXX XXXX XXXX. Which requires financial institutes or companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing. The law also states that a privacy notice must be provided when a consumer relationship is established. And consumers have the right to opt out. Transunion is willfully breaking the law by denying me the right to examine sensitive information they have regarding my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed an Identity Theft complaint with the FTC. I subsequently forwarded that filing along with items that were a part of the identity theft. Although following all procedures, there is still an inaccurate tradeline reporting on my credit file. XXXX XXXX is a result of Identity Theft. This tradeline WAS INCLUDED in my original FTC filing.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over Inaccurate and Unverifiable Credit Reporting I am filing this complaint to address inaccuracies and procedural violations in my credit report regarding XXXX accounts : 1. XXXX XXXXXXXX XXXX : This account is reported as having a XXXX late payment, which I believe is inaccurate. No sufficient evidence or validation has been provided to prove the legitimacy of this late payment. 
2. XXXX ( XXXX XXXX ) : This account is listed as a charge-off, but there are discrepancies in the balances, account statuses, and dates reported across credit bureaus. Additionally, I have not received proper validation from XXXX to substantiate their reporting. 

I have disputed these accounts with the credit bureaus and the original creditors. However, I have not received proper documentation or resolution as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key issues include : Failure to verify and validate the accuracy of the reported information. 
Discrepancies in reporting across credit bureaus. 
Lack of proper notification of negative reporting by the creditors. 
Procedural failures by the credit bureaus to adequately investigate my disputes. 

I am requesting that these accounts be removed from my credit report immediately.
Product: Mortgage

On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; Ocwen Loan Servicing LLC. ( Please see attached loan modification agreement from Ocwen Loan Servicing LLC ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with Ocwen Loan Servicing I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to XXXX XXXX XXXX ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX and XXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of XXXX XXXX to XXXX XXXX thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either Ocwen Loan Servicing or XXXX XXXX XXXX. I contacted Ocwen loan servicing and XXXX XXXX XXXX several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither Ocwen loan servicing or XXXX XXXX XXXX will give me any answers. They continue to tell me that they will look into the matter and get back to me a couple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXX {$340.00} on XXXX the account number XXXX, an a collection opened at XXXX {$3500.00} on XX/XX/XXXX the account number XXXX, and another account opened at XXXX XXXX on XX/XX/XXXX {$4000.00} under the account XXXX, another account opened up at XXXX {$2000.00} account number XXXX on XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies.. 

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX .This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX