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

I HAVE A WESTLAKE FINANCIAL ACCOUNT NUMBER XXXX REPORTING ON MY CREDIT REPROT. I WAS WOUNDERING IF WESTLAKE WOULD REMOVE THIS ACCOUNT IF I DO A SETTLEMENT OFFER.???
Product: Credit reporting or other personal consumer reports

I noticed that there were three payments reported late to the credit bureaus in XXXX  after enrolling in an offered COVID-19 Relief program. I contacted Wells Fargo about the erroneous information. Wells Fargo provided a letter stating that the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year> were reported erroneously to the credit bureaus and corrections have been submitted. The late payments have reappeared on my credit report. In investigating with XXXX  and XXXX, the bureaus are stating Wells Fargo is reporting the erroneous information as correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX credit card account was opened in my name in XXXX. In XXXX wells fargo closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with XXXX, Equifax and XXXX and they have failed to remove this from my credit report. I am making a formal complaint with XXXX, Equifax and XXXX for failing to due there due diligence to respond to me and correct my reports.
Product: Debt collection

That debt was mistakenly process because it was already cancelled and recognized by the company,
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a letter sign by a judge stating that these Bankruptcies were filed in error. How can XXXX, XXXX and Transunion suppossibly had verified this?? I have the proof that this account does not belong to me.
Product: Debt collection

Repeated calls @ XXXX XXXX varying from 2-5 times/week. I have repeatedly told them I do not know the person they are trying to contact, have had this phone number 6+ years and please quit calling me. The company ( Allied Interstate ) representative I talk to each time assures me my number will be removed from their database, yet I keep receiving calls.
Product: Vehicle loan or lease

A payoff check was sent to Ally Financial the end of XXXX 2017 for my XXXX. It cleared my bank account XXXX XXXX 2017. It was not applied to my account. I sent a copy of the check showing clearance multiple times to multiple fax numbers given by customer service. 3 emails were also sent by email at customer service representative request to XXXXXXXXXXXX with no response. The money is still not applied to my loan as of XX/XX/XXXX and collection efforts continue and threats have started. My money is misapplied somewhere. I am a XXXX veteran and your help would be greatly appreciated.
Product: Checking or savings account

Hello, I received a deposit from XXXX for the paycheck protection program which I legally qualified for and as soon as my deposit hit my account they immediately put a security hold on my account without notice or notifying me, blocked access to my debit card and didn't respond when getting into contact with them to let me know what i need to provide to lift this hold on my account, they have been having a hold on my account since XX/XX/2021 and it has put a financial burden on me and my business causing a temporary shut down, me losing employees, also me losing a vehicle and ruining my reputation it was bad enough covid put a strain financially on my business now this, and it has been going on for 6 months I tried to settle this peacefully but this is illegal and out of hand. The amount of the deposit was {$48000.00} and the deposit date was XX/XX/2021
Product: Credit reporting or other personal consumer reports

When applying for credit in XXXX of this year I was refused credit, the reason given was delinquent accounts, which I did not understand a few days later I received copies of my credit reports from the three major credit agencies and to my horror they contain numerous delinquent accounts that did not open, that is when I became aware that I'm a victim of identity fraud and identity theft After working with the XXXX, XXXX and XXXX all the fraudulent accounts have been deleted. But one I have attempted to contact the company but as today I have not gotten any response and they continue to report the account as my account. The company name is TD Bank XXXX XXXX XXXX XXXXXXXX, XXXX, MN. XXXX XXXX to rectify this issues. 

Thanks
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  XXXX - hard inquiries ( 2 ) placed on my credit when they should have been soft pulls via pre-qualification process but has resulted in repo hard inquiries on my report which is highly inaccurate and XXXX XXXX XXXX  - hard inquiry ( have no knowledge inquiry is fraudulent and I gave no consent to place this on my report ) which is also inaccurate because I have no knowledge of such. 

XXXX XXXX and XXXX 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.
Product: Debt collection

A verification letter was sent for a auto file that failed to verify anything. This file was deleted by Experian XXXX XXXX. Which by law it was supposed to be deleted. Today XXXX XXXX, Experian reopened the file and in less than an hour put it right back on my file without showing any proof of verification. That clearly goes against the fair credit reporting act and this item should be deleted immediately, and permanently.
Product: Checking or savings account

: On Friday XX/XX/XXXX there were XXXX UNAUTHORIZED ATM TRANSACTIONS that were made at XXXX XXXX  for {$400.00} and at XXXX for {$100.00} at XXXX XXXX XXXX XXXX Texas and another transaction at XXXX  XXXX in XXXX XXXX XXXX XXXX at XXXX. I called Chime customer service department and requested for the call to be escalated to a supervisor named XXXX. I informed him that these transactions were done in a matter of minutes apart in different states and demanded I get an immediate provisional credit because I have pending bills to pay. I need the CFPB assistance to please allow me to get my money returned to me as soon as possible based simply because of the obvious that these transactions were done in XXXX state different jurisdictions of states in which were done without my authorization or my physical presence. XXXX informed me that he would inform the investigators in their department the severity and urgency of this matter and would inform us by email or phone with XXXX to XXXX business days. I am requesting assistance in this matter to help me get my money back immediately based on the severity of these matters of injustice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 from XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report
Product: Credit card

I am having a problem with my Venmo Visa credit card. I have had the card for XXXX billing cycles and each time it takes weeks after payment for them to update my credit availability. I pay my statement balance in full each time. 
I have contacted them about this several times. I have attached their latest response to my inquiry.
Product: Mortgage

We were facing a health and employment ( overlapping ) crises in XX/XX/XXXX, and when we asked the bank to refinance, they refused. We were forced to stop mortgage payments, which were locked at a particularly high rate, in order to cover our medical and day-to-day expenses. As of XX/XX/XXXX, we resumed employment, and the bank commenced a long, drawn-out process of loan-modification application that was both tedious and confusing. They would send us conflicting documents and information, send multiple requests for the same information, and generally kept putting off a loan-modification offer. Finally, in the late-winter of XX/XX/XXXX they agreed to a trial period, where we made a series of 3 payments. These were all on-time and paid in full. On XX/XX/XXXX, they offered us a loan modification, which clearly stated that if we have any questions, we must refer them to the bank by XX/XX/XXXX. However, when we asked clarifying questions on XX/XX/XXXX ( to understand the terms of the loan, as any responsible consumer should! ) they rescinded the offer. Further, they later claimed that we REMOVED ourselves from the loan modification program, which we NEVER did. In fact, our letter ( attached ) CLEARLY states that we are/were eager to get back on board with the bank and would like to begin payments and a renewed agreement. This letter never received a reply. We subsequently re-applied in XX/XX/XXXX and were denied, with no explanation. We subsequently turned to a non-profit agency to assist us in understanding why we were denied and in submitting a new application, and the bank refused to work with the non-profit agency and refused to entertain a new loan-modification option.

In brief : the bank has given us repeated mixed-information and has not entered good-faith negotiations to turn our home into a performing asset.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my third 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 an alleged fraud or extortion. 
FOUNDATION F XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These false records do not reflect my actual payment history, and their presence is both misleading and damaging to my financial reputation. This level of inaccuracy is unacceptable, and I demand immediate corrective action. 

For TransUnion, the disputed accounts are XXXX XXXX  account XXXX, XXXX  XXXX account XXXX, XXXX XXXX account XXXX, and XXXX XXXX XXXX account XXXX. Despite my diligence in maintaining a responsible financial record, these errors are creating unnecessary and unjustified obstacles for me. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure the accuracy of my credit file. Any outdated, incorrect, or unverifiable records must be corrected or removed without delay. I expect swift action, as any further failure to rectify these errors will only escalate the harm already caused.
Product: Credit reporting

XXXX XXXX has a collection on my file that is outside the statute of limitations as provided by federal law. I have enclosed a copy of the Trans Union file that shows that the last payment I made on the account was XXXX. I disputed this in XXXX and Trans Union violated federal law by leaving this on the file.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a written request to XXXX XXXX XXXX informing them of two accounts reporting incorrect information on my credit report. I attached to the letter, a copy of my report and detailed the information that was incorrect on both accounts. Specifically, both Portfolio Recovery Associates ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are employing the commonly used tactic of " re-aging '' collection accounts to circumvent the FCRA and allow the account to be reported for more than seven ( 7 ) years. I notified XXXX of this illegal tactic and instead of actually conducting an investigation into the accounts, XXXX used an algorithm-based investigation and generated an automatic decision showing the accounts as " Verified and Updated. '' However, the collection agency did not provide the information requested nor did they update any incorrect information. The collection agency simply re-submitted identical information ( still incorrect ), provided no supporting documents, and XXXX validated the information. This is completely unacceptable. For consumers to trust and rely upon the Credit Bureaus, the Bureau has a duty to objectively investigate consumer disputes. XXXX conducted NO investigation and simply verified inaccurate information.
Product: Debt collection

On XX/XX/2022 I disputed information reported by Santander because it was inaccurate and the three Credit bureaus had different dates for payments and different dates closed and incomplete information, and missing information. I was asked to provide additional information by the credit bureaus so I contacted Santander and asked if they could email me the compy of whatever agreement that was signed stating I owed them. I also, asked the credit bureaus for debt validate. After contacting Santander to request this information. The representative I spoke to got angry and said he would not give me the information. Santander then reported this incorrect information XX/XX/XXXX, XXXX and XXXX of 2022 and opened the closed account reported that a payment was made when a payment was never made because this account had been charged off for 6+ years. This caused my credit score to drop significantly. I would like Santander removed from all 3 of the credit bureaus due to all of the information being different and inaccurate with each bureau. The disputes have been closed the the information is still inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX my wife & I went to purchase a used vehicle. We chose a XXXX XXXX XXXX. 45 minutes after the purchase on the freeway the motor almost came out of the car do to bolts missing. We returned to the dealership where the deal was unwound & we picked a new vehicle which was a XXXX XXXX XXXX. We were told myself could not go on the loan because the vehicle was more exspensive & i had no provable income. we purchased the vehicle my wife signed the contract & we left. XXXX, XXXX I received a call from Challenge Financial ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying the truck had defaulted & I owed money. I told them I never signed the contract. They sent me copies of a contact that did not have my signature on it but it was not my signature. The car dealership had added me back to the loan without me being notified & put me on the contract obviously to push it through. I have tried to work with them to resolve this & they have refused everything I have offered including a hand writing analysis. Im truly sick of arguing with them & just want to be released from there fraudulent contract & have it removed from my credit.
Product: Credit card or prepaid card

I became aware of unauthorized withdrawals from my reliacard account on XXXX XXXX, XXXX. Called reliacard and explained situation and old card was deactivated. I have made numerous attempts to settle this matter and am not receiving " real '' help, just a run-around. I finally received a new card and can not activate it because of " ID verification '' ''. I have sent what is required to verify 4 times so far. Now they want me to do it again, a fifth time. I'm at wits end and need help with this issue as I am just being played with at this point. I am XXXX and need this money to survive
Product: Credit reporting or other personal consumer reports

Re : Dispute of Fraudulent Activity and Demand for Correction on XXXX XXXX  credit card I am writing to formally dispute the fraudulent activity on my credit report from XXXX XXXX  stemming from the unauthorized use of my stolen credit card. Despite my prompt reporting of the theft to the issuing bank and local authorities. Police Report Number : XXXX, Date : XX/XX/year> Was filed with XXXX XXXX police department. Experian has failed to correct the erroneous information. Fraudulent Transactions : I Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 2. Correct my credit score to reflect the removal of these transactions. 3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. Failure to Comply : If Experian fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). Pursue civil litigation under 15 U.S.C 1681 ( Fair Credit Reporting Act ). Seek damages for negligence, defamation, and emotional distress. You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief XXXX XXXX
Product: Credit card

Examine the attached documents. I want the bureau to initiate an investigation into these accounts that I am never late for, but they're incorrectly reported as late.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds and reactivating my account though my bank was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against BYL SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX. notify creditors XXXX. police report XXXX. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Below are the fraudulent accounts for delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am filing a formal complaint against Experian due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Experian has failed to take timely and effective measures to prevent and address fraudulent activities on their platform, thus leaving my account vulnerable and unprotected. Additionally, I have discovered 19 inquiries on my credit report that I am unfamiliar with and have never authorized.

Furthermore, Experian 's dispute resolution process has been unfair and deceptive, as they have not complied with the error resolution requirements under the Fair Credit Reporting Act ( FCRA ) and Regulation V. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations and demand that Experian take immediate corrective actions to ensure the security and accuracy of my account information.
Product: Credit card

They said they needed to verify my identity and i needed to send them months of copies of my bank statements and XXXX years of my taxes.. I have had this card for over 10 years, never late payment, my credit score is XXXX plus. They confirmed it had nothing to do with that. I told them that I was not comfortable sending this to them with so many employees to see my personal banking and SS information and they said if I didn't send it they would cancel my card and urged me to cancel my card so it wouldn't hurt my credit as bad, I asked my sons who are police investigators and they said this had to be a scam. my card is to be cancelled XX/XX/XXXX, ,I can not make charges, they stopped that after I called but I was able to pay my balance. Why are they doing this and what do I do?
Product: Credit card

Macy's/DSNB is reporting a fraudulent account on my XXXX credit file XXXX I have never had an account with Macy's/DSNB and never will, please remove this account ASAP, it is hurting my credit file and I have excellent credit. The account info is below. 

Macy's/DSNB XXXX Amount Owed : {$570.00} Status : Charge Off Opened : XXXX/XXXX/2011