23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake financial is not reporting to my credit report for Month XX/XX/XXXX and also Month XX/XX/XXXX. i have all the proof that the payment was made on time. i called multiple times to have my payment history updated and they " Westlake Financial " Failed to updated and as per the fair credit reporting act all reporting account needs to be 100 % accurate.
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX , and XXXX . I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$4100.00} which is incorrect, I do not owe them anything. I explained to them that I was currently in a lawsuit with Speed Cash XXXX  for them violating my rights and withdrawing funds out of my Checking account without my authorization. 
XXXX XXXX XXXX XXXX XXXX told me that as long as I pay them {$2400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$2400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt. 
XXXX XXXX XXXX XXXX XXXX lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. I spoke with four representatives at XXXX XXXX XXXX XXXX XXXX. I fist spoke with XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and a supervisor XXXX ( XXXX ), XXXX even stated that she would call the credit bureaus and updated the immediately and giving me an AUD # XXXX. This was all a lie just to take my money in which the took from my bank account on XX/XX/2020.

Expand XX/XX/20 PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX KS XXXX CARD XXXX {$2400.00} I would like XXXX  XXXX XXXX XXXX XXXX 2 immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information
Product: Checking or savings account

Wells Fargo charged unauthorized fees per the class action lawsuit.
Product: Checking or savings account

I deposited check on XX/XX/22 with teller in pnc branch and it was posted after few days. After three weeks as I tried to withdraw the fund from branch. Teller told me check is on hold. After that I called customer service spoke to the agent for two hours. Two hours later I was told everything has been sorted and funds are Available in my accounts to withdraw. After the agent hanged up. I got notifications that my balance is low. As I logged to the account. I see the entire amount of the check is missing and I called pnc again. Now pnc says they dont know what happened to the fund. They kept me on hold for 1 hour for supervisor but no one came to address the problem. I like to know where is my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$850.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX
Product: Debt collection

They put an item on my credit reports for an XXXX XXXX XXXX collection item. I have not had XXXX XXXX XXXX XXXX XXXX in over 20 years, and have never had their cell service. Diversified Consultants violated federal law by not contacting me before putting an item on my credit report. If they would have, I would have told them that, as my credit report states, I am the victim of ID theft. I would have told them that the XXXX XXXX XXXX account was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Account When I found out I contacted the company directly and even filed report with the FTC they have been unresponsive and they are not willing to work with me
Product: Mortgage

I can not get a mortgage rate quote from a mortgage originator without a credit report. Each credit report counts against my credit rating. This makes it practically impossible to shop around for rates and products.
Product: Checking or savings account

BECU opened a savings account in my name WITHOUT MY PERMISSION. I went in for a car loan at XXXX XXXX  XXXX and without telling me they had me sign paperwork that gave them the authority to open a savings account in my name. All I knew was that I was filling out paperwork to get a vehicle loan. I would never have authorized a savings account as I NEVER INTEND TO USE BECU for my saving. 

I called BECU when I realized that they had opened an account in my name without my knowledge and they refused to close it - they said I had to sign more paperwork. I WILL NOT SIGN ANYTHING FOR AN ACCOUNT I NEVER AUTHORIZED IN THE FIRST PLACE. 

This rings very similar to the XXXX XXXX scandal. Highly recommend BECU be investigated for this type of predatory banking practice.
Product: Debt collection

I received my credit report the beginning of the new year and notice somethings reporting in error. XX/XX/2023 I sent out letters to XXXX, XXXX, and XXXX regarding inaccurate and unknow items on my credit report. The following month on XX/XX/2023 I sent out certified letters to both Credit Service Company INC and Envision imaging s XXXX with no response from Envision imaging. After feeling helpless and ignored I did some research and found out that section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately removes this item from my credit report. It has now been well over 30 days which means it needs to be deleted promptly. I demand this account to be removed immediately or I will have no other choice but to file litigation due to the stress this is causing me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts listed below : .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account I had with XXXX XXXX was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

1 ] Capacctll {$940.00} 2 ] XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of a statement or detailed payment history proving these accounts were paid late. Per the FCRA all reported accounts must be accurate and verifiable. When requested, verification must be provided within 30 days of receiving the letter. Right now, the bureaus are in violation of the FCRA and are subject to legal action. The attached accounts are the accounts in question.
Product: Checking or savings account

XX/XX/XXXX XXXX network sent me a notice of a refund being placed back in my account that may take up to 2 business cycles to complete. Knowing the issues Ive already had with Navy federal when it comes to refunds I made sure to constantly  check my balance looking for that refund of {$59.00}. From XX/XX/XXXX til XX/XX/XXXX and in this time there was no credit placed in my account. So today XX/XX/XXXX I decided to check my account one more time to see where my balance was at and when I scrolled down the first thing I see is a false credit of XXXX dated XX/XX/XXXX which was a Monday Navy federal never process anything on Mondays because the bank closes for weekends. I did not get my refund and when I called the bank I was met with lies which made me very angry. This is the 3rd time this has happened in regards to getting a refund placed back into my account and I cant take it anymore its wrong and a lie nothing close to reality I want my refund.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, STATE OF MI XXXX XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on 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 ( MONTHS REPORTING LATE ) 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, XXXX XXXX, STATE OF MI XXXX XXXX, XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

sharing my personal information without my consent and reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never Paid Late. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF EDXXXX XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries As the affiant is aware, it is a fact that these inquiries were conducted without my permission/consent. There was no legal reason for doing so, which is against 15 U.S. Code 161b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Inquiries are as follows : XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX on XX/XX/XXXX ; EQUIFAX INC. XXXX XXXX XXXX XXXX XXXX GA XXXX phone XXXX on XX/XX/XXXX ; EQUIFAX INC. XXXX XXXX XXXX XXXX XXXX GA XXXX phone XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone XXXX 15 U.S. Code 1681n ( 1 ) ( A ) : Unauthorized Inquiries hold civil liabilities hold up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.It is a fact, I, the affiant, is aware these unauthorized inquiries which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} per inquiry as the listed companies above are in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.
Product: Debt collection

I paid collections with the intent the items would be removed they never removed the items they received payments for and I was told they would removed them after receiving the payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my consumer credit report, as referenced below, which I believe are the result of identity theft or fraudulent activity. These inquiries were made without my consent, and I request verifiable proof, including documentation bearing my signature or electronic signature, to confirm their legitimacy.

I did not authorize any of these inquiries, and their presence on my credit report violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ) related to the blocking of information resulting from identity theft, and Section 604 ( 15 U.S.C. 1681b ) regarding permissible purposes for consumer reports. 

I have contacted the companies involved and found that these inquiries were initiated without proper validation or original proof from the reporting companies. Therefore, these inquiries are inaccurate and appear to be the result of identity theft or unlawful reporting by creditors or third-party data furnishers. 

I request a thorough investigation into these unauthorized inquiries. If no legitimate proof can be provided, I ask that they be removed from my credit report in accordance with the FCRA.
Product: Mortgage

I called NewRez to recast my mortage on XX/XX/XXXX. They debited {$250.00} from my account for the fee and said I would receive a letter to sign and return, and that the recast would take affect in XXXX. 

I never received any document. 

I called them on XX/XX/17 to find out what had happened. I was put on hold for XXXX minutes. At the end I was told that they had sent the document and I magically hadn't received it, despite them for some reason sending XXXX statements per month about my due date. 

I asked the operator to be emailed the form immediately, and was put on hold another XXXX minutes. At the end of this I was told that their " email system was down '' and that I could call back in XXXX hours. I told her that this was unacceptable and asked to speak to a supervisor. After being on hold another XXXX minutes, the supervisor joined and reiterated that the " email system was down ''. 

I told her to send me the form in the morning and that I would be submitting a complaint with the CFPB.
Product: Debt collection

'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR XXXX AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE XXXX CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT
Product: Debt collection

CAPITAL ACCOUNTS # XXXX I DID NOT RECEIVE ANY RESPOND FROM CAPITAL ACCOUNTS SENC XX/XX/XXXX  ABOUT MY MEDICAL SERVICE DISPUTE.
Product: Money transfer, virtual currency, or money service

I tried to sell used furniture on XXXX, and someone contacted me that he is interested in the furniture, he paid me an e-check ( {$640.00} XXXX through e-mail and ask me to deposit on the mobile phone, the check is cleared the following business day, and the buyer wants me to buy a visa gift card ( {$350.00} with {$5.00} activation fee ) to pay for the mover, the money has already covered in the e-check the buyer sent to me in the first, I bought the gift card and contact the mover to schedule the pickup, the mover process the card and said they will be the pick-up location in an hour, after two hours the person who sent me the check said he wants to cancel the deal and ask me to send part of the money-back ( {$250.00} XXXX through XXXX pays to his brother-in-law 's account, and cancel the deal. I paid the amount to cancel the deal, and the third business day, my bank notified me that they can not locate the account and return the money back, and charged me for NSF {$12.00}. In total {$610.00} lost. 

I double-checked with my bank about the validity of the check and they confirmed the check is cleared, that's why I can process the following steps. Suddenly, the bank told me that they can not locate the account and return the check without any further description. 

People related in the case : People contact me for the deal : XXXX XXXX XXXX XXXX cell phone number : XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX People send me the e-check : XXXX XXXX XXXX People I refund the money back : XXXX XXXX XXXX People tried to schedule the pick up : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. 

I submitted disputes over 40 days with no response from the credit agencies. 
listed below is the accounts i disputed with no response. 

Credit Bureau-XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX XXXX | XXXXN/A, N/A, NXXXXA XXXX, XXXX Credit Bureau-XXXX-XXXX  XXXX XXXX XXXX Mailed on XX/XX/XXXX | XXXX, XXXX Credit Bureau-EFX-BENMYNATT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I've reported unauthorized fraudulent accounts to identitytheft.gov. Associated banks, unable to provide records, confirmed the report 's validity and pledged immediate removal. 
Accounts to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending in a letter, copy of my Texas drivers license, and social security card as requested by Equifax because they changed my birthdate in there system. I have sent in these documents for over a month in a half via mail postal services and fax and every time I call the representative informs me theres nothing they can do and have not received my documents. I have verified the mailing and fax information to make sure it is correct but yet still not getting any assistance. When I ask to speak with a supervisor, I always get advised there is no supervisor available or placed on hold and no one ever return to the call after an hour in a half later. Im sending this information to Equifax information services LLC XXXX XXXX XXXX XXXX, Ga XXXX Fax # XXXX