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

Company : Westlake Financial Services XXXX XXXX : XXXX XXXX XXXX XXXX Account : XXXX Vehicle : XXXX XXXX XXXX I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' WESTLAKE FINANCIAL SERVICES is a financial institution by definition under this title. 15 USC 1681 section 604 a section 2 states that under the following circumstances and no other private information can be shared : in accordance with the written instructions of the consumer to which it relates. Westlake Financial Services the financial institution do not have my consent to furnish this information and they surely do not have my written consent. Any consent to Westlake Financial Services whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Westlake Financial Services never informed me of my rights to excesses my nondisclosure option. 

Westlake Financial Services had shared my nonpublic personal information with XXXX XXXX XXXX  XXXX without my consent, violating 15 USC 6801, 15 USC 1681, and 15 USC 6802. In Addition Westlake Financial Services XXXX XXXX XXXX XXXX  XXXX to take possession on my property ( XXXX XXXX XXXX ) without my consent, violating 15 USC 1692 ( f ) which states A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property. On XX/XX/XXXX and again on XX/XX/XXXX XXXX XXXX XXXX  XXXX had taken non-judicial action against me in a form of dispossession of my XXXX XXXX XXXX property.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered inaccuracies in some of the information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that XXXX and XXXX authenticate this account. It is imperative that this reporting account not be treated as unconfirmed information without providing evidence within the legal timeframe. Please investigate the unverifiable account outlined below as per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) : XXXX XXXX  XXXX XXXX XXXX : {$370000.00}
Product: Vehicle loan or lease

I bought a car from USASF I heard they closed down now I have westlake portfolio calling me. On my credit its has a charge off for USASF. I was told since I have been paying on the car the past 2 years I have only paid around XXXX. I am trying to get. A understanding about whats going on and if this is legal
Product: Debt collection

company obtained and purchased personal private consumer information without my consent. 
company shared my personal information without consent. 
company violated a multitude of federally protected consumer rights under the Fair Debt Collection Practices Act. 
company shared personal information with a credit reporting agency in an attempt to harm my character and credit score.
Product: Vehicle loan or lease

I have a loan with XXXX XXXX located in XXXX, AZ. I filed bankruptcy and did NOT include them in the bankruptcy and have continued to make my payments on time. I noticed when I ran my credit report a few months ago, they removed the account from the report so it does not show I have a loan with them. I called them and they refused to rectify or explain after 3 calls and a complaint with the XXXX. All they told me was if someone files bankruptcy it is their policy to remove the account from the credit bureaus. They said they would " investigate '' and that it could take months, but then called me the next day and said there was nothing they could do. I have an open account with them and I need the payments to be reflected on my credit report which impacts my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts is still on my credit report they are not mine want the accounts removed account name : XXXX account numberXXXX balance : {$580.00} want the accounts removed account name : XXXX XXXX XXXX XXXX account XXXX balance : {$560.00} $
Product: Money transfer, virtual currency, or money service

Zelle would never let me dispute any unauthorized transactions. Very inconsiderate and the problem should have been handled. Zelle doesnt protect its users and that isnt right bc every other app does. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal identifiable information, and personal financial information without my consent through shoddy applications programming. 

If they ca n't secure my personal data, they should not be allowed to store it.
Product: Checking or savings account

Dear Sir/Madam : From XX/XX/XXXX to XXXX, there were {$8700.00} in unauthorized charges on my Keybank checking account. These charges were labeled XXXX -- -- - XXXX XXXX CA XXXX 
I called Keybank twice to complain. 

On XX/XX/XXXX, {$1600.00} in charges were reversed, leaving {$7000.00} outstanding.
Product: Mortgage

Our loan was initially through XXXX XXXX XXXX, opened XX/XX/XXXX. We made payments mostly on time for 6 years, 8 months. We knew there was no way we would be able to make XX/XX/XXXX payment, so we requested, and were granted deferment when we made XX/XX/XXXX payment. 
XX/XX/XXXX we were informed that our loan was sold to Planet Home Lending. Planet Home Lending refused our initial payment, as we were a month behind ( and they did not accept partial payment ). We informed them that we were given a deferment, and our account was current as of XXXX XX/XX/XXXX. They said they did not have to accept the deferment, and their records indicated that we were a month behind. We made arrangements to bring the account current, by making 4 payments, by the end of XX/XX/XXXX. Our final payment was scheduled for XXXX XX/XX/XXXX, and would have brought us current as of the end of the month. 
In XXXX, we were informed that on XXXX XX/XX/XXXX, our loan was sold by Planet Home Lending   to XXXX XXXX XXXX, which is a whole other complaint. We were told that there was no payment history with Planet Home Lending, and that we were in default, dating back to XX/XX/XXXX. We explained that we were in fact brought up to date whilst with Planet Home Lending. XXXX XXXX XXXX told us that we were going to have to get verification from Planet Home Lending. In numerous phone calls to Planet Home Lending, we've only been able to successfully get hold of someone once. The individual stated that they would send the proper documentation to XXXX XXXX XXXX, that day. We called XXXX XXXX XXXX, the following week, and were told that they had not received any documentation. In subsequent follow up calls, we are repeatedly disconnected.
Product: Debt collection

I have been disputing this account for almost a year both with the credit bureaus and creditor and is very unsuccessful. I requested for reinvestigation and documents how the investigation was done and i have not received anything back as yet. I filed a police report and gave them all the documents to help with the investigation and also mailed them twice, it came back as undeliverable. They fail to investigate the account.
Product: Mortgage

BSI is trying to bully me into automatic payment plan by refusing to deposit my payments and fining me : My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX I was fined {$63.00} twice now
Product: Credit reporting or other personal consumer reports

XXXX XXXX did not follow the law in disclosing my nonpublic information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

fraudulent hard credit inquiry by XXXX XXXX and XXXX XXXX on XX/XX/24 by transunion report.
Product: Credit reporting or other personal consumer reports

FCRA viloations not mine not my credit cards XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$9400.00} written off. {$9400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
was never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Open. 
never lived here XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Resident type Single family not my number ( XXXX ) XXXX Residential never worked here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Collection Company attempted to collect money from money I owe, which its been closed. The debts collection company is not the original debt collection company.
Product: Student loan

I have tried to apply for XXXX XXXX forgiveness plan since XX/XX/XXXX. My XXXX XXXX XXXX was approved by the department of education since XXXX  of last year and Nelnet and Sloan Servicing were supposed to fiish processing the application. I had a XXXX  in XXXX of XXXX. My husband had a XXXX XXXX XXXX in XXXX of XXXX and he stopped working and was denied XXXX  so I was the only income and I have XXXX kids. So we are a family of XXXX. Hence why I applied for the program. Since my husbands accident. He has had XXXX XXXX  and has not been able to go back to work. I provided the documentation that they asked for me. My XXXX  and my husbands denial for XXXX. I called to check on the status of my application with Sloan Servicing and was told that they were missing my husbands XXXX  denial and I said that I had already submitted that. They told me that I needed to submit a new application and in XX/XX/XXXX I submitted a new application was again approved and submitted the documentation once again in the sloan system. I kept calling and they kept telling me that it was being processed and then finally in XXXX I was told that they need my paystubbs in order to complete my application. I uploaded the paystubbs while on the phone with the agent from Sloan Servcing, she verified that it was uploaded and said that I should hear from the income redriven application in 30 days. I just called today XX/XX/XXXX and was told that I now need to resubmit the XXXX XXXX application AGAIN!!! Sloan Servicing took over for Nelnet and Nelnet was sued for not processing applications for income redriven and now Sloan Servicing is doing the same thing to me.
Product: Student loan

I am currently in the Public Service Loan Forgiveness Program ( PSLF ). I learned after initially submitting my employment certification form that the numbers of qualifying payments varied drastically between my loans, despite the fact that I have always paid all of the loans together. I initially brought up this issue more than 3 years ago and there still has been no resolution. 

When I first discovered the problem I called and was told to submit some sort of appeal which I was told takes 6 months because it has to go to the Department of Education. After longer than 6 months I received the results stating my qualifying payment totals remained the same. I called again and was told this time that maybe the problem was that my loans were on something called " paid ahead status. '' They said they would take off this status and then I would have to resubmit. Again after longer than 6 months after submitting again the qualifying payment totals were incorrect. 

I called again ( XX/XX/XXXX ). I talked to one employee who initially said the review was done incorrectly. I then asked to talk to their supervisor due to it having been years since I started this process. I then talked to XXXX ( employee ID : XXXX ) who said that he manually checked some of my loans and agreed the payment counts were incorrect. He said the old tracking system had problems and had been updated and he would try to escalate the case for higher priority review. 

I still have not had resolution of this problem or heard back about a third review. I have three supporting documents attached : 1. List of qualifying payment totals for each of my loans as of XX/XX/XXXX. ( This is when I had employment certified up to XX/XX/XXXX. I have since certified up to XX/XX/XXXX and of course made more payments. However this illustrates the main problem of the variable total of qualifying payments : totals vary from 9 to 45. As you can see below the total should be 49 for all loans as of the time of this letter ) 2. History of payments  under XXXX ( this totals 36 payments ) 3. History of payments under Fedloan ( 13 done prior to XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/ and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I didn't apply for a car loan but they keep insisting I did. I told them to delete that application because I didn't apply for it. It's extremely frustrating to get a company to delete something I did not apply for. I informed him I was already hit with identity theft. He kept pushing me to unlock my XXXX account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 Us. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting ag

ency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatmen
t of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ipromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the account more than once. The information that's being reported is inaccurate. 
Fair Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, Trans Union, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standinreportg, credit capacity, character, general reputation, personal characteristics, or mode of living. 
I want an investigation done properly. 
I have requested the information be deleted from my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently review my credit and notice i had fraudulent accounts reported on my credit. Please remove these accounts, because they are hurting my ability to get credit.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 I filed a complaint to the cfpb about All Credit Reporting Agencies failed and as of today still failing to comply with the following : 15 U.S. Code 6802, part of the Gramm-Leach-Bliley Act ( GLBA ), requires financial institutions to protect their customers ' personal and financial information. The GLBA also requires financial institutions to : Not disclose nonpublic personal information to nonaffiliated third parties unless the consumer receives sufficient notice Provide a notice of their privacy policies and practices to each customer Allow the consumer to opt out of the disclosure of their nonpublic personal information to a nonaffiliated third party The notice must include the categories of information collected and disclosed. The financial institution must provide the initial notice to each customer when a customer relationship is established 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been at least 6 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted and complained to all of the inquiries to each company no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX on several occasions via certified letters ranging from XX/XX/XXXX to XX/XX/XXXX, to resolve this matter. Currently on my credit report, there are two missed payments showing for XX/XX/XXXX and XX/XX/XXXX. I applied for a forbearance on my loans as I was recently laid off from my job at the time and was experiencing a financial hardship. It was my expectation that the forbearance would only take a few days to process and therefore be applied to my account timely. I was never informed the processing time could take longer than 30 days and never directed on when to reapply, check the status and/or make payments to my loans. It is my wish that the missed payments are updated to be within good standing and reflect the forbearance during those months.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and an other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' as you have previously, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste valuable time. The negative accounts have been placed in Collection/Charge-off/Late Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt XXXX Experian and the creditors reporting collections/Charge Offs, late payments, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved. Also, Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumers report. ( XXXX, XXXX, Experian, and XXXX  ) is in violation of said section for furnishing this information on my consumer report, i which they obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from the electronic system know as XXXX. Per XXXX 's website, they do not give, sell, or transfer any personal information to ANY third parties.