23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Reporting of Charged-Off Account by Westlake " I am filing this complaint because Westlake Financial has already violated federal law, making a direct dispute with them is unnecessary. They charged off my account and claimed it as a profit and loss write-off but failed to issue a 1099-C as required by 26 U.S. Code 6050P. Despite this, they continue reporting a balance, which is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ).

Reporting a debt as both written off for tax purposes and still owed is misleading and potentially fraudulent. Due to these legal violations, I am requesting the CFPBs intervention for immediate deletion of this account from my credit report. '' I am filing this complaint against Westlake Financial Services for violating federal laws regarding credit reporting and debt cancellation.

Improper Charge-Off Reporting & Failure to Issue a 1099-C My credit report shows that Westlake Financial Services has marked my account as a profit and loss charge-off, yet they continue to report a balance as if I still owe the debt. Last reported on XXXX XXXX for balance of {$13000.00} on credit report. 

Under 26 U.S. Code 6050P, creditors must issue a 1099-C form when canceling {$600.00} or more of a debt. Westlake Financial failed to provide me with this form, despite claiming the debt as a loss. 

If this debt was written off for tax purposes, it should not still be reported as an owed balance. This is fraudulent and misleading reporting. 

Violation of the Fair Credit Reporting Act ( FCRA ) Inaccurate Reporting Under 15 U.S. Code 1681s-2, creditors are required to report only accurate and verifiable information.

Since this account was charged off and claimed as a loss, it should not be reported with a balance.

Westlake Financials failure to correct this reporting constitutes a willful violation of the FCRA, and I am requesting an immediate deletion of this account.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S. Code 1692e, misrepresenting the legal status of a debt is illegal.

Reporting a debt as both written off for tax purposes and still due is misleading, unfair, and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and XXXX, has violated my right.

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

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

I requested Transunion to remove four fraudulent hard inquires from my credit report, they have not done this.
Product: Student loan

On XX/XX/2018, Navient took {$410.00} out of my account when they were only supposed to take out {$240.00}. When I contacted Navient I was told I had to prove that amount was taken out and that it would take 10 to 12 business days for me to receive my money. Even though they made the error, I had to do the work to get my money back and then it would take almost two weeks for me to receive what Navient took in error. On XX/XX/2018 I received {$160.00}, the difference of what I owed for my monthly payment. I received my money 14 days after Navient took it. On XX/XX/2018, I spoke with a customer service representative from Navient. I asked for my payment for the month of XX/XX/XXXX to be taken out on XX/XX/18 instead of XX/XX/18. He made the change for me and then re-entered me into the income based repayment program. I was told my new monthly payment would be {$330.00}. I was also told that my XX/XX/XXXX payment would come out on XX/XX/XXXX and that it would be {$330.00}. I woke up on XX/XX/2018, to find that {$410.00} had been taken out of my account from Navient, I was overdrawn on my bank account, and my bank had charged my the {$35.00} overdraft fee. This is the second month in a row that Navient has made an error regarding my account. Now it will take another " 10 to 12 business days '' for account to be credited and I have to prove to Navient that they took it, and once again, do all of the work to get my money back, which they took in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$880.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

On XX/XX/XXXX I made my mortgage payment through the Citizens Bank app by electronic transfer from my XXXXXXXX XXXX checking account. I received confirmation that my payment was submitted at that time. Later that day I received confirmation that my payment was received with draft date of XX/XX/XXXX and confirmation number. Monday, XX/XX/XXXX, I received an email thanking me for my payment. Then on XX/XX/XXXX, money was returned to my checking account and I received an email stating that payment was not made. I can verify the funds were in my account on Friday XX/XX/XXXX ( draft date ) and Monday XX/XX/XXXX. However, Citizens Bank representatives keep telling me that my payment was returned for insufficient funds and a late fee and a return check fee were applied. This happened back in XXXX and XXXX of this year as well, so I went to make a payment in person at the bank. I was told they could not accept payment that way but I can try opening a checking account with them. I don't trust them enough to do that, and I would like a method that can ensure my payment is being processed when I'm told it is being processed. So far no one has been able to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially made a payment to XXXX XXXX  in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly XXXX XXXXXXXX has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly
Product: Debt collection

On XX/XX/XXXX I received an online Notification of a derogatory remark. Upon checking I see oliphant USA Llc to which I am in a quandary about this account.I was never send a validation notice, I was never told the amount alleged to be owe or even given a chance to dispute this debt. Plz provide to me Actual proof this letter was sent because i know it was not and you are being misleading and deceptive to which is another violation of my right. Once again you are in violation of U.S.C. 1692g ( a ) Under the FDCPA,. Plz send me actual proof that this company followed the FDCPA and send me out a validation letter.
Product: Debt collection

About 2 1/2 years ago I purchased a truck from XXXX 's XXXX XXXX located on XXXX  XXXX XXXX XXXX, N.Y. The price was {$14000.00} I gave them {$3000.00} down and financed the balance through Credit Acceptance, XXXX XXXX XXXX XXXX XXXX, XXXX, Mi. XXXX. I was told by XXXX 's XXXX XXXX  that in order for me to get financed I had to put an extended warranty on the vehicle, I explained that the vehicle would be used at times for commercial purposes. They told me " don't put any lettering on the vehicle. '' I canceled the extended warranty because it did not cover the truck if it was used for commercial purposes. I was told that the cost and finance charges for the warranty would come off the back end of the loan. After further reading the paperwork I realized XXXX 's XXXX XXXX had arbitrarily raised the price to {$17000.00} without telling me and after I paid them the down payment of {$3000.00}. When I confronted them I was told that Credit Acceptance told them to raise the price, all this without ever telling me they were raising the price. So I called Credit Acceptance and complained about the bait and switch, they denied ever telling XXXX 's XXXX XXXX to do that. I told them I wanted this corrected and was told their legal dept would contact me. The Legal Dept never contacted me but when I got behind in my payment Credit Acceptance had the truck repossessed without warning and by that I mean I had to agree to let XXXX 's XXXX XXXX put a device on the truck that would beep 3 times as a warning that a payment was due. The contract stated that this warning would be every time I started the truck for three days and if payment was not received then the device would not let me start the truck. I did not receive any warning as per the agreement in the contract. After the truck was repossessed I was never given any information about what it sold for at auction, as required by law, or that the {$3000.00} added to the truck by XXXX 's XXXX XXXX or the credit for the canceled extended warranty was ever credited to me. When I called Credit Acceptance about all of this complaint I was told just give us {$5000.00} and we will call it even. I want this removed from my credit report and shown as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$7700.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

My email was hacked and had to be closed I tried to change my email coinbase keeps taking me through the verification process but refuses to verify me and I can't access my old email to verify so I am locked out of my account they keep running me in circles and the only recourse they have is an AI system that is of no help and there's no way to speak to a person so their is no way to resolve this issue.
Product: Credit reporting or other personal consumer reports

Im filing this compliant regarding an inaccurate item on credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I am writing to correct the following information which is incorrect credit bureauhas on file : XXXX XXXX XXXX XXXX XXXX {$32.00} Paid in full. Closed XXXX  XXXX {$4900.00} is incorrect. The correct Balance is {$2000.00}. 
XXXX XXXX XXXX credit is {$0.00} Balance. 
Address : I XXXX XXXX XXXX XXXX, AL XXXX is incorrect. This not my correct Address XXXX XXXX XXXX : {$35000.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to the credit bureu ( Experian ). In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Late Payments XXXX XXXX  XXXX XXXX Unverified Late Payments Given that I believe you are acting in bad faith, and have not complied with the federal and state law. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file This is my second Complaint im making here with the cfpb, and Experian responded and they came back to me saying ( '' regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' ) Really? 
Im sending you my id and all my personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1979 attached with my credit report which include the addresses i lived in the past 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX w

as never late! I have had exceptional payment history 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 to be updated. 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. EQUIFAX 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!

Update the late payments from my consumer reports
Product: Debt collection

Debt was written off by XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Absolutely no attempts to collect this debt have been made by company since then. In XX/XX/XXXX company mailed a XXXX Cancellation of Debt to me which I did not receive until approximately XX/XX/XXXX, to late for me to include it on my XXXX tax forms, because they mailed it to the wrong address. Company discharged debt in the amount of {$1000.00} but have continued to report on a monthly basis a " Not Paid '' amount to credit reporting agencies in the amount of {$1800.00} ( I believe the discrepancy is their fees and interest ). I have been forced to pay hundreds of dollars in taxes and fees on this amount because they didn't provide the required tax documents to me in a timely basis and because they failed to attempt collection for more than 36 months this XXXX should have been issued for XX/XX/XXXX not XX/XX/XXXX.  Furthermore, because of the XXXX XXXX XXXX for their decision to no longer pursue collection of this debt the " Failure to Pay '' code should have ended at the very least in XX/XX/XXXX if not the actual 36 month period of XX/XX/XXXX. As a consumer it is extremely inequitable that the company gets all the benefits of their tax write offs and to basically do whatever they want while I am forced to claim this as additional income and pay taxes on it while still being expected to pay the debt and placed in a position to pay thousands of dollars extra for my mortgage loan and car loans and substantially effect every aspect of my life by continuing to report this on my credit. I have disputed this multiple times with the credit reporting agencies along with a copy of the XXXX and always get the same answer that the debt is " confirmed ''. And still every single month the amount of {$1800.00} is reported monthly as not paid driving my credit score down. It wasn't doing this until I filed a complaint with the credit agencies, now I feel almost like i'm being retaliated against for filing a complaint they are making sure my credit score goes down every month because of a derogatory payment report. These are unfair credit reporting practices that benefit the business at the extreme detriment of the consumer. Their issuance of the XXXX cancels the debt, that should have been the end of credit reporting.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX  XXXX Balance : {$1700.00}