23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

WestLake Financial is a predatory high interest lender and they approved our loan initially. After approval, they claimed that the first payment was late so we have to return the loan back in Full with their additional Processing Fee. We contested the processing fee but they wo n't budge and threatened to file a lawsuit and even started sending us legal notices in certified mail. We return the loan along with the processing fee. In the mean time, there were 2 monthly payments that were made. When we asked for those Monthly payments to be returned, they flatly refused claiming that they do n't return any Payments despite the fact that Loan was Paid in Full without any deductions for monthly payments made.
Product: Credit reporting or other personal consumer reports

I have noticed the following inaccuracies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, DEPT ED XXXX, XXXX XXXX, DEPT EXXXX, DEPT ED 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 I also want to address the charge-offs listed on my report. According to applicable laws, once a charge-off is declared, it can not legally be sold to a collection agency. Therefore, I request that any charge-offs be adjusted to reflect a XXXX balance. 

Furthermore, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Credit card

I am distressed and disappointed by the situation in my credit report. It is not only highly embarrassing but evident that either you or the company is at fault for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. ''
Product: Debt collection

I am filing for bankruptcy and XXXX XXXX continues to contact both myself and my wife. I have given them my lawyers contact information and told them that any further communication should go through them. When they call I tell them again that all communication needs to go though my lawyer, they say they wont be able to continue the call until they verify my information and keep saying that over and over.
Product: Credit card or prepaid card

In XXXX I applied for an XXXX credit card through Chase Bank because XXXX had advertised a {$60.00} credit on approval. So I created an account with XXXX and applied for the card online about XX/XX/2022. XX/XX/2022 I received an email from Chase asking for proof of address, which I promptly submitted that day with a scanned copy of my Drivers license ; " Please respond within 30 days of XX/XX/2022 about reference number XXXX. '' Chase had promised to reply within 30 days. 
I have an excellent credit rating and have never been denied credit. 
Not having received any further communication from Chase, last week I called the number on the email from Chase ( XXXX ) to follow up. I was transferred from XXXX to XXXX and finally to XXXX in the Fraud Department. XXXX  confirmed receipt of the drivers license and said it looked fine, but told me that someone had flagged it as inadequate. XXXX said he'd place a notation that it looked fine to him, but suggested I resend it along with additional documents through the local Chase branch, which I did on Friday ( Drivers license, passport, XXXX XXXX XXXX all showing the address I submitted on the application ). XXXX said I should get a reply in 3 days, but, again, I did not. 
Today I called twice and twice was told that my application was no longer active in the the Chase system. Both calls were disconnected by Chase mid-conversation. The second call was with XXXX at XXXX at XXXX XXXX  who told me that the application could not be reopened. 
I believe this could be a scheme by XXXX to get people to open an account with the lure of the {$60.00} credit promise. Or perhaps Chase is reneging on the {$60.00} credit as they now offer only a {$50.00} credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My wages started getting garnished without any notice whatsoever. No voicemails, no letters in the mail, nothing. Then out of nowhere they started taking XXXX  of dollars out of my account every week. I never looked at my paystubs because they come in the mail, I just look at my bank app to see what was deposited. I took my short check issue to my supervisor because I thought they had messed up the payroll. When i opened my pay stub for the first time I had already paid almost XXXX dollars in a matter of weeks. I called them to try and work out a payment plan and they told me its already too late. Told them if this goes on for 3 months ill lose my house because I can not afford XXXX a month. " Still nothing we can do sorry '' only documentation I have of this garnishment is from my employer XX/XX/21 I didn't get the letter until the beginning of XXXX.
Product: Debt or credit management

Didnt fox credit as promised and credit monitoring lead to my info being silent
Product: Credit reporting or other personal consumer reports

n 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 XXXX  XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ) XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX ( HARD INQUIRY ), 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: Vehicle loan or lease

ACCOUNT # XXXX I received my Capital 1 's Auto statement on XX/XX/XXXX reflecting my XXXX bill is due on XXXX in the amount of {$520.00}. I paid {$600.00} on XXXX. I have always paid the bill shortly after receiving the statement ; however this time 2 my bill still showed balance due two weeks later. I called and spoke to a representative at the end of XXXX and he stated the payment had been applied to my principle and not as a payment and that he would correct this. 

On XX/XX/XXXX I received a notification that my account was past due. When I called the I spoke to a representative by the name of XXXX, she stated that my payment was still being applied as a payment to my principle instead of my bill and that she would submit a request allocated to separate the payment correctly ; however there still has not been any change. I am still showing past due now with a balance of {$1100.00}. I have already paid this bill and currently am being penalized for their " systems ineptitude ''. They have ignored my request for 2 weeks and this will affect my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX issuing XXXX XXXX Reported as delinquent payments when I have made many payments all minimum payments have been met on time XXXX XXXX are XXXX
Product: Mortgage

My name is XXXX XXXX my husband XXXX XXXX, my current address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I applied for modification over three times with Ocwen Loan Servicing LLC, Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX Contact person XXXX from the office of the consumer Ombudsman XXXX, Case number # XXXX. The modification was denied over three time the last application sent in XXXX XXXX was approved on XXXX XXXX, XXXX, after a filed a complaint to the XXXX, my contact person is XXXX phone XXXX. I raised my concern with the president of Ocwen and the time they gave me the runaround, just to tell me that I was n't approved for a HAMP. I was approved for an internal modification, which such my principal balance on XXXX XXXX was {$240000.00}, they are charging me {$130000.00} on late charges and other fees that they can not confirm. Ocwen proposed for me to sign a Balloon note for {$370000.00} dated XXXX XXXX, XXXX, In which I sent a letter replying to XXXX XXXX XXXX at the office of the consumer ombudsman requesting for then to reconsider the type of modification they were proposing. I also ask the reasoning of the kind of modification and the reason it took over two years to get an answer, which makes us more delinquent on our mortgage payments since they refused to take partial payment on my mortgage. I explained the reason we became late on our mortgage was husband got injured in the job XXXX and is a XXXX veteran, he 's pension took some time to get approved, and after his injury, we have an ordeal of medical bills. A year later in XXXX, I lost my job and was without working for about two years, currently working. I am not sure why they do not want to work with us on our mortgage. By then taking over two years trying to modify my mortgage impact my credit, and I am not able to take a loan for my children education, affecting my credit. We are not refusing to pay, and we just want to continue living in our house with our XXXX kids, and based on my husband current pension check and my salary we can afford it. Based on the latest communications with XXXX XXXX dated XXXX XXXX, XXXX, there nothing they can do, is a take it or leave it to offer on the modification sent on XXXX XXXX, XXXX. I believe their offer is very unfair, and they can not justify the balance owed, with fees that they can not justify. Please help us. Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I believe unauthorized accounts and inaccurate information have been reported on my credit file. Despite my efforts to correct these issues with the credit bureaus and creditors, the inaccuracies remain unresolved. I am providing supporting documentation to assist in resolving this matter. 

Specifically : XXXX XXXX XXXX  : This account has been fully paid off, and I have the title and a payoff letter to confirm this. However, it continues to show a balance of {$32000.00} with a " XXXX days late '' payment status. I am requesting this account be updated to reflect its paid-off status or removed entirely. 

XXXX XXXX : This account has also been fully paid off, and I have the title and a payoff letter to confirm this. It incorrectly shows a balance of {$80000.00} with a " charge-off '' status. Please update this account to reflect its paid-off status or remove it entirely. 

All Credit Card Accounts : Multiple credit cards listed on my report are inaccurate or unauthorized. I request that all of these accounts be investigated and removed pursuant to 15 U.S.C. 1681c-2 ( a ). 

XXXXXXXX XXXX XXXX  : This mortgage account inaccurately reflects late payments as " XXXX days late. '' I have made efforts to remain compliant with this loan, and I request these late payments be removed or corrected. 
Bankruptcy on XXXX Report : The reported bankruptcy is inaccurate and should be deleted immediately. 

I am requesting the CFPB 's assistance in ensuring that these inaccuracies are corrected and that my rights under 15 U.S.C. 1681c-2 ( a ) are upheld. Supporting documents, including payoff letters, vehicle titles, and dispute correspondence, will be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a dispute to your credit bureau regarding erroneous items appearing on my credit report. According to the FCRA, credit bureaus are required to complete their investigation within 30 days of receiving a dispute. Unfortunately, it has been well over 30 days since I initiated the dispute, and I have not received any resolution or updates from your bureau. 

I understand that credit bureaus have a significant number of disputes to investigate, and I appreciate the importance of a thorough review. However, I would like to bring to your attention the statutory obligation to resolve disputes within the designated timeframe. Given that the 30-day period has elapsed, I kindly request that you provide me with an update on the status of my dispute and a firm timeline for its resolution.
Product: Debt collection

I got a car threw XXXX XXXX my car payments were XXXX dallors a week the 3 week having a car the motor blew up and I repeatedly tried to get it fixed by them and I got no help with it I lived 45 miles away from the city get to work no buses come were I lived so I lost my job because they said they come fix my car but no results out of them after they came and got the car they are a horribly bad company that takes advantage of people I was a single dad with XXXX kids trying servive as they had me sink they wouldn't return my calls after they got the car so I stopped making payments they took advantage of me and made me feel small I attempted to do everything keep a XXXX smaller car that they were charging me XXXX for but there bad people taking advantage of struggling people I lost my job due to there promises fix the car and never did and never returned my calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 accounts 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. 
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, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote to Equifax to inform them of an unknown account reporting on my credit report. This account does not have a name and address to identify who the original creditor is on the account. 

On XX/XX/2021 I pulled a new detailed report and the account remains to report to Equifax with out any identification of who the creditor or collectors information. 

XX/XX/2021 I made one last attempt to request this information to be removed from my credit report. 

From my understanding this account is in violation for reporting without the creditor or collectors information as well for continuing to report despite letting Equifax know the account is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT CONNS Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 


1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Student loan

I consolidated my loans last year and sent an XXXX application XX/XX/XXXX. Mohela has yet to process this application with the various court injunctions. On XX/XX/XXXX I received a letter explaining my account would be placed into a forbearance with 0 % interest and would not be charged any additional bills due to more than 60 days passing since receiving my XXXX application. Despite this letter, Mohela continues to bill my account and has done so from XXXX to present. They have also allowed a significant amount of interest to accrue during that same time. Due to their failure to update my account in a timely manner I face penalties regarding my credit score. I have called Mohela 3-4 times in the last month with some representatives refusing to put my account into the forbearance I was told I would be placed into several months ago. I called Mohela on XX/XX/XXXX and was placed on hold for 6 + hours until I was able to speak with an advanced agent. This agent told me she would bring this concern to her supervisor and have this issue corrected within 10 days. The agent stated my account would be brought current and corrected with the removal of interest moving forward. She also stated XXXX ( XXXX XXXX XXXX ) would be responsible for looking at my account retrospectively and taking off any interest that accrued from XXXX to now. It has been 8 days and I have yet to see these changes reflected in my account. Mohela has not abided by rules laid out by federal student aid and continues to wrongfully charge my account as well as delay processing of my XXXX application. They have made repayment impossible as I am often provided with wrong information or my concerns are completely brushed off while they take their time doing nothing for my issue. Again, my XXXX application was received by Mohela last year between XXXX and the company has not assisted in any way in helping to make repayments. Everything has been a stalling technique. Mohela has consistently shown neglect, incompetence and mishandling of my account and millions of others with no consequences. They have caused significant distress as a loan servicer. As a resident doctor I have sacrificed hours of time that should be designated to patient care being bounced from representative to representative in attempts to make contact with the loan servicer. There here have been occasions where my call has been ended in the middle of discussion and I'm directed to a a customer satisfaction survey, inappropriately. Mohela poses a danger to millions of borrowers and has failed to showcase an urgency in providing assistance. Also on XX/XX/XXXX they notified me of a new repayment schedule under a standard repayment plan which I have told Mohela plenty of times that I can not afford. Yet they continue to place me into standard repayment while delaying processing of my XXXX. May of this year will mark one year since the application was completed and still not processed. I now owe nearly {$5000.00} in billas due to their failure to process and abide by guidelines set by XXXX, as well as failing to place me in a general forbearance which they said they would do XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this since 2021 under this complaint # XXXX only for it to continue on my report with no valid information in writing to advise it its accurate. On XX/XX/XXXX i contacted Experian to advise that a address is not valid and i have never lived at needs to be removed ( Fraud ). The address is XXXX XXXX XXXX XXXX which i never lived at. Experian said it can not be removed as XXXX XXXX XXXX is reporting that address, how is that i never lived there and i definitely have no account with them. Disputed initiated under # XXXX and came back accurate. I contacted the bureau again and asked what documents did they show to advise that that is indeed my address that they are attaching to that account. I was advised nothing it only came back as accurate, well that is fraud how can you keep a account attached to my name that Im telling you I never lived at and have no account relationship or done any type of business with this company. Im willing to take legal action as Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights to privacy to 15 us 1681 b 2 this company has no permission to report anything using my information pursuant to 15 us 1681 4. I hearby demand the deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, this complaint pertains to a company/bank in the State of Florida. For months and months, I told the Clerks/Supervisor That an account was made in part of my name and address that doesn't belong to me. ( fraud ). I thought that matter had been a workout. 
But I guess I was wrong. The dates for this matter go all the way back to XXXX of this year.