23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I took out a loan in 2014 with NetCredit for {$2600.00}. I paid on the loan for 40 payments totaling in excess of $ XXXX.I ran into an inability to pay and wanted to work with Net Credit to settle the loan. I even hired a firm to assist. Net Credit was not willing to work with the firm nor myself and an agreement was never reached. My fear is that they are holding back wanting to work with me while late fees and interest continue to accrue at an alarming rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to the credit bureaus in response to some incorrect information found on my credit report to which the credit bureaus or the creditor have yet to respond. My initial request was sent in XXXX of 2021! I have since sent XXXX follo ups to which neither the companies or the credit bureau has responded. This is violating my consumer rights. I would appreciate some help with this matter, thank you.
Product: Vehicle loan or lease

We have a loan with Wells Fargo Dealer Services for a used car. They have reported to the three credit bureaus that we have made six payments that were over 30 days past due. The credits reports show we were over 30 days late XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX This is not true at all, as we have never been OVER 30 days past due on making a payment. I have called Wells Fargo Dealer Services and spoke with them about this reporting issue. I was told that they would fix this reporting issue, and get our reports changed to show that we had not made any payments over 30 days late. This has never happened. We also disputed this in writing with no change. This is causing us to have serious credit problems, and keeping us from buying a home. If this does not get resolved we will contact a lawyer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed oXXXX Autopay. 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 60 days 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. 


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

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX To all parties concerning : After making a attempt to correspond with Congress Collection regarding a supposed debt owed. I am writing this letter to bring this matter to the attention of Consumer Financial Protection Bureau. This alleged debt was brought to my awareness upon viewing my credit report in late XXXX, XXXX. I hadn't received any correspondence from Congress Collection regarding this matter beforehand. On XX/XX/XXXX a letter was sent from me to Congress Collection via certified mail, exercising my right under The Fair Credit Reporting Act, Section 609. I requested that the company provide me ( in 15 days ) with information about the item reported that would validate this alleged debt. It is now approaching almost 90 days since attempting to make contact and I have yet to receive a response or proof that this item is owed. 

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

On XX/XX/XXXX I received a hard pull on my credit report on Trans union from XXXX. Requested this be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in reference to the following : I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 


The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Reason : Account is closed Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX ) Account XXXX : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account Number : XXXX Reason : Account is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was in a natural disaster, forbearance with XXXX  XXXX  due to losing my home in hurricane and XX/XX/XXXX. I checked in every month like I was supposed to, and cooperated fully with the forbearance. In XX/XX/XXXX I did my check in and told I was approved through XX/XX/XXXX for the forbearance. I have a document to prove this. in XXXX, I was called and told it was a mistake that my forbearance was not supposed to go past XX/XX/XXXX. I was told that I could do a loan modification and that my first payment would not be due until XXXX so it would be similar in that. I would not have to pay anything for XXXX or XXXX as if I was still in the forbearance. I signed the loan modification paperwork and XXXX XXXX, then reported to my credit that I was over 180 days past due. My credit score tanked. I tried to resolve this with XXXX XXXX but they state their investor is unwilling to fix my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
Product: Debt collection

Everyday a call from XXXX comes into my work number which is XXXX and its a recorded message saying I owe money with my name in it - XXXX XXXX. Im going to get fired if they dont stop.
Product: Debt collection

hello, ive been receiving calls from commenty bank victoria secret trying to collect payments. as well as another bank i do not recognize im not sure if its the same bank. or not but sometimes they call me from unknown numbers. awhile ago they would call me at least 10 times a day. from XXXX numbers or unknown callers. but at other times itll be from multiple different numbers. and im sure there calls are recorded so they should have record of our phone calls if you request them from the bank as proof. bc after a certain period of time my call logs deleted. however i answered the phone one time and informed the debt collector of the times im available to talk and he continued to call at the times im not available. making it unreasonable an it feels like im being harassed. because i been getting in trouble at work for it.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and sent a complaint to all 3 credit bureaus. I seen wrong dates, amounts, and accounts. They removed some accounts and then added them back on without notifying me or getting permission. From what I know this is against the law. My credit report went up and then decreased tremendously without any reasoning or updates. I have sent them letters saying this along with my ID and proof of address. This is affecting my ability to buy a house and I cant keep waiting on them. They are saying I am not sending in ID and proof of address but I have 3 times. Im tired of fighting and need these accounts removed immediately. I have also taken the time to highlight what was wrong with accounts. Many accounts say open and are marked closed or derogatory and also many accounts say I opened them on 2 different days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained secured XXXX XXXX credit card XXXX 2022 with a security deposit. Then obtained regular XXXX XXXX " XXXX '' credit card in XXXX 2022. Unfortunately, i had to file bankruptcy in XXXX of 2022. It is almost a year later and XXXX XXXX still shames me by reporting the wrong high balance on my credit report. After dispute they corrected one of they of the line items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... MIDLAND FUND ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ... XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I paid {$7.00} for a certified letter to Experian containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/18 I received confirmation that my certified packet was received by Experian. 
On XX/XX/18 I paid {$29.00} to my credit monitoring website, www.experian.com to refresh all three credit reports to review. I noticed that the two fraudulent accounts have Not been removed by Experian. 
According to The Fair Credit Reporting Act, Section 611, the Experian credit bureau has 30 days to investigate and remove the fraudulent account from the consumers credit report. 
It has not been over 90 days since I sent the original certified letters to Experian and the accounts have not been removed. 
I researched additionally ways to get help in fraudulent accounts and found the Consumer Finance Protection Bureau 's website to get assistance in removing items.
Product: Prepaid card

My Tmobile Visa account was closed due to an " internal risk issue '' with {$3000.00} in the account. I 've called multiple time with the first XXXX people telling me the money is simply gone. The third time I called, I was told to send in a picture of my ID next to my face ( a ridiculous request ) as well as receipts from my last transaction ( over a week ago and those receipts are long gone in the trash ) They said there is not other way to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, My name is XXXX XXXX. I have previously contacted the CFPB in the past ; concerning this company continuing to check my credit ; resulting in unauthorized Hard Inquires. From my understanding ; the bought the debt that was owed on a repossessed car from XXXX XXXX XXXX. After the car was sold ; first investors stated that I owed {$10000.00}. They stated that they failed to update my address to the one that I had provided ; so they were willing to accept 25 % of the balance. Due to their mistake. I asked for this in writing ; I never received. When I called sometime earlier this year ; was told that XXXX ; which is also " Michael Andrews and Associates ''. This company is not willing to work with me ; they have filed a lawsuit against me for almost {$13000.00} ; which is more tan what is owed. Now, they keep checking my credit for no reason. When I called and asked them the reason ; they say they purchased the loan,, and can check my credit as many times as they want. I think this is a violation of my rights ; I never signed anything with this company,, and I have asked them to refrain from checking my credit ; they are causing unnecessary hard inquires.
Product: Credit reporting

After looking at my credit report, I saw a collection account that does not belong to me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine. The account is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$250.00}.
Product: Checking or savings account

I was issued an XXXX dollar refund to an old debit card but still my bank account. Wells fargo lost the XXXX dollars and is now trying to claim that they " refunded it immediately '' meanwhile the company I am working with and who has been extremely helpful has called there credit processing company multiple times and claimed that this has NOT been returned to them
Product: Debt collection

I found this company on my credit report under adverse accounts, named as a creditor. I have never done business with this company. This company has never sent me a physical statement. It has never called me and until today I had no knowledge of this debt or any means to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made hard credit inquiry without my permission. 
XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX -XX/XX/2020 XXXX - XXXX- XX/XX/2020 XXXX- XXXX - XX/XX/2020 XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

There's unauthorized inquires on my credit report inwhich I have absolutely any knowledge of, and with that said I'm requesting physical documentation of these inquires. The following inquiries are ( 1 ) XXXX XXXX XXXX on XX/XX/XXXX ( 2 ) XXXX XXXX on XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX, XX/XX/XXXX ( 4 ) XXXX XXXX XXXX ( 5 ) XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my personal information was compromised in the Equifax data breach. Several accounts have been fraudulently opened in my name without my knowledge or consent. These accounts are the result of criminal activity and do not belong to me. I am requesting the immediate removal of the following fraudulent accounts : XXXX XXXX XXXX  ( Account No : XXXX ) XXXX XXXX XXXX ( Account No : XXXX ) XXXX XXXX XXXX ( Account No : XXXX ) XXXX XXXX XXXX  XXXX. FCRA Violations The continued presence of these accounts on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). I demand that the above accounts be removed promptly and that my report be corrected as required by the following FCRA provisions : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Blocking and removal of fraudulent information within four business days of notification.

FCRA Section 609 ( a ) ( 1 ) : Entitlement to a complete and accurate disclosure of all information in my credit file.

FCRA Section 611 ( a ) : Reinvestigation of disputed information with removal or correction within 30 days.

FCRA Section 616 & 617 : Liability for both willful and negligent non-compliance with the FCRA, subject to damages, attorneys fees, and punitive actions.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX have asked Westlake Portfolio Management of Verification from a supposed debt. I've got a few calls from them and I was a little confused on the issue. I was supposed to get a verification letter from Westlake on the first week XXXX " within 24hours after the call '' that was explained to me. I have never got that information at all. Within the end of that month and also on XXXX I have got a lot of unwanted calls and email 's stating that I need to pay the bill. Also on XX/XX/2023 I have sent Westlake Portfolio a Verification letter. The letter specify what verifications needed to show proof of debt and also states that Westlake Portfolio Management should not call unwanted times to my home nor should they call my job. The letter also states that Westlake Portfolio Management should only give me the information that I'm asking for through my email only. After I have sent the letter to Westlake, In XXXX I have still got several unwanted phone calls to my home and a couple of calls to my job that was embarrassing. I still continue to get emails to pay my bill. Westlake Portfolio Management sent a response but they only sent me a copy of the past loan company that had my loan. I was told from Westlake Portfolio that they were just monitoring the account. But when I checked my credit account I show that the account was transferred to Westlake Portfolio. So I don't know why I'm being lied to. To this day Westlake Portfolio did not give me what I have asked for. Also I have a credit report from Westlake Portfolio on XX/XX/XXXX, I got the copy of my past loan company on XX/XX/XXXX. On my credit report it shows that I owe {$5700.00}. But Westlake billed me at {$6000.00}. I also asked why did they bill me for the extra money. 

I have sent PDF paperwork to show what Westlake Portfolio Management have given me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding unauthorized credit inquiries that appeared on my credit report from TransUnion, XXXX, and XXXX. These inquiries were made without my knowledge or consent, and I have made multiple attempts to dispute these fraudulent inquiries directly with the credit bureaus, but the issue remains unresolved. 
I am a victim of identity theft, and I filed an FTC Identity Theft Report to support my claims. Despite this, my disputes have been ignored or inadequately handled, and these unauthorized inquiries remain on my credit report. Below are the details of the fraudulent inquiries that I am disputing : Unauthorized Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> ( Note : XXXX has already confirmed they will remove the inquiry, but it remains on my report. ) I have sent letters to each of the credit bureaus, requesting the immediate removal of these inquiries, and I have escalated this matter to the FTC and CFPB. However, despite my repeated requests and the confirmation from XXXX that they would remove the inquiry, TransUnion, XXXX, and XXXX have failed to resolve the issue or respond appropriately. 
Complaint Details : I have been a victim of identity theft and have provided supporting documentation, including an FTC Identity Theft Report. 
I requested the removal of these fraudulent inquiries via written disputes to the credit bureaus, but they have not been addressed or removed from my report.

I am being harmed by these fraudulent inquiries as they negatively affect my credit score and my ability to secure credit.

CreditOneBK has confirmed in writing that they would remove their inquiry, but it has not been removed from my report.

I am demanding the immediate removal of these inquiries and appropriate action to address the failure of the credit bureaus to comply with the Fair Credit Reporting Act ( FCRA ). 

Additional Information : Supporting Documentation : Attach copies of your FTC Identity Theft Report, the dispute letters you sent to the credit bureaus, and XXXX 's letter confirming the removal of their inquiry.