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

Due to covid 19 i have been furloughed in XX/XX/2020 I immediately called westlake financial services to defer my payment for the month of XXXX. I was told it was no problem and was approved. 
I start getting emails and calls that my payment is over due with late fees. When I called back they said that all deferments are going to be denied because of the pandemic. In his words too many deferments to be able to approve any at this time. I also received an email stating the stimulus checks and insinuating that the car payments should be paid with that. I have a perfect record of the last 14 months with them and just need some help. They denied working with me, deferring or any other action or even removing the late fees. I have no job because of covid, my unemployment doesnt even cover my rent but every company is working with me except my vehicle loan through westlake financial services. They also were ver adamant that it would be reported to collections and this would affect my credit ( which Ive worked VERY hard to fix over the years ) and to even take the vehicle. I feel they are being completely cruel and unforgiving, giving the circumstances Im given. And I cant be the only person in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX  has violated my rights. 15 U.S.C 1681 Section 602 A States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage paid in full on XX/XX/XXXX. 
May mortgage payment was 30-day late. 

XXXX XXXX / XXXX reported XX/XX/XXXX and XX/XX/XXXX payments as 30-days late to the credit bureaus. 

In XXXX of XXXX, started dispute process for the XX/XX/XXXX ( inaccurate ) 30-day late payment on credit report. 

During new mortgage / home buying process, 2 additional 30-day late payments showed up on this CLOSED account. XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has not made attempts to quickly resolve this inaccuracies- the new ones or the XX/XX/XXXX. A bad situation suddenly was way worse. Now, closing has been pushed back and we are at risk to lose this house we contracted to buy because XXXX XXXX has made it impossible to get these items fixed. We tried to get them to write a letter stating all of the inaccuracies, but they have struggled to craft something straight forward and effective for the new mortgage people.
Product: Payday loan, title loan, or personal loan

TD BANK, NA, CONSUMER LENDING DEPARTMENT SENT A LETTER DATED XX/XX/2019. APPLICATION # XXXX STATING MY CREDIT SCORE IS " XXXX ''. 
I UNLOCKED AND UNFROZE MY CREDIT REPORT SO THE EMPLOYEES IN THE LOAN DEPARTMENT COULD ACCESS MY REPORT. I HAVE A GOOD CREDIT. 

TD BANK EMPLOYEES DO NOT RESPOND TO INQUIRIES WELL. 
EVEN WHEN THEY ARE OBVIOUSLY AT FAULT. 

I WANT CFPB TO RESOLVE THIS ISSUE. 
I AM BEING DESCRIMINATED AGAINST DUE TO AGE, INCOME, DISABILITY AND VETERAN STATUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2017, due to a error with a balance transfer I ended up paying the total balance owed twice resulting in a credit of {$9000.00}. After an interest charge, my final credit on my card was {$8900.00}. I contacted Citi Bank on XX/XX/XXXX, and requested that the credit be returned to my checking account. I was advised that this would take 3 to 5 business days. By XX/XX/XXXX, the money had still not been transferred. I again spoke to Citi who this time advised me that this would take 7 to 10 business days because the credit balance exceeded {$1000.00}. I would like to understand why Citi bank is allowed to sit on my money and why I was misinformed as to when they would return my money. My frustration is exacerbated by the fact that they had the credit balance for 7 days prior to me calling on the XX/XX/XXXX. If I am late by an hour, I am charged a late fee immediately. I do n't understand how they can keep almost {$9000.00} of my money for over 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about : " XXXX XXXX XXXXXXXX '' credit card, formerly XXXXXXXX XXXX, now XXXX BANK XXXX want resolved : negative reporting on credit card, never can get access to online account at all. 
On my birthday in XXXX, I got the shock of my life when I found out I was a victim of a credit card breach on XX/XX/XXXX stemming from the XXXX XXXX breach. My credit card was used for XXXX plus at XXXX XXXX and I didn't pay the card that month as I was working with the credit card to dispute this fraudulent charge. I was able to get the charge disputed and dropped because of extensive research, getting photos of who did it thanks to XXXX XXXX loss prevention and a police report, but to this day the account IS REPORTED NEGATIVE because I did not make thXXXX XXXX  payment and missed. I have had this credit card for almost 10 years. They also will not increase my card usage. I did have a problem with a rental car place also in XXXX, and they overcharged my credit card. As a result, this further made me again be reported as negative. I also sent in a payment for XXXX lately and they claimed they did not receive it. They want to charge me a late fee and I have never been late in all the 10 years. My credit card now goes through as " unauthorized '' and I can no longer use the card. I have been contacting them and calling them for years, only to be told the negative is " fake '' and that it is a scam " to get me to pay to get a negative removed off my credit card '' to the credit bureaus. I have had people tell me all sorts of things here. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After recently pulling my credit report from your Bureau XXXX I, in accompany with my XXXX, instantly pointed out that I have been reported as XXXX XXXX late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). I also see that according to the reports I was late XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( XXXX ) # : ( XXXX ) AND ( 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! AT THIS TIME I AM SEEKING LEGAL ACTION AGAINST THE BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i've sent dispute letters to XXXX, XXXX, and Experian this is the fourth round of letters i've sent out and disputed without any results. My last round was sent out XXXX XXXX. It's been over 30 days and nothing has changed. These items are not mine and are hurting my credit status as im trying to purchase a new home in the near future, thanks. 
Creditor : XXXX XXXX, Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXX7Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX  XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Inquiry from XXXX XXXX SERVICE, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX
Product: Vehicle loan or lease

OK! My identity was stolen. 
Date opened : XX/XX/XXXX Address ID : XXXX Type : Charge card Responsibility : Individual First reported : XX/XX/XXXX Terms : Not reported Monthly payment : Not reported Credit limit : {$1200.00} High balance : Not reported Recent balance : {$0.00} Status : Open ( close now ) Date of status : XX/XX/XXXX Also, auto loans were taken out under my information and the whole works college loans ( probably ) and also capital one issued revolving charge account cards to individual ( s ) @ Kohl 's in XXXX, Wisconsin. 
I need help getting my identity back to safe and secure so people can get into trouble throw them in a snake pit, i don't care thank you regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Re : Acct # xxxxxxxx To Whom It May Concern : Dear Equifax, XXXX , & XXXX This letter is in response to your recent claim regarding Acct # xxxxxxxx, which you claim I have errors, charge offs, fraudulent accounts on my credit file. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the 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, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a XXXX from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 
These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # 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.

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: Credit reporting, credit repair services, or other personal consumer reports

THERE IS AN ALLEGED CHARGE OFF SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE- PERSUANT TO FCRA 623 IM DEMANDING THE REMOVAL OF IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to report the fraudulent items and activities that I have discovered on my Credit File. Enclosed, please find the necessary documents to assist in the blocking of the fraudulent information that is being reported on my credit report. The following accounts are in no way associated with me. I have neither received any money, goods, nor services as a result of fraud, nor have I authorized these accounts. I urgently request that they be promptly disassociated from any affiliation with me. Please find below the list of accounts that do not belong to me or were opened without my permission : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. I want to assure the Credit Reporting Agencies that I did not open the mentioned accounts or authorize anyone else to do so on my behalf. I strongly believe that this is a clear case of fraud, and I am taking steps to report this matter to the appropriate authorities. It is crucial that the fraudulent accounts are thoroughly investigated and removed from any association with my name.
Product: Checking or savings account

On XX/XX/2024 I filed a dispute with Truist Bank because my debit card was stolen and charges were made on my account without my knowledge or consent. On XX/XX/2024 Truist closed my claim with no return of my stolen funds. I write this complaint requesting that this claim be governed for constructive fraud being caused by this major bank. My claim should be evaluated in a timeframe that represents due process and an actual explanation with documents to support the decision made. I should have access to my funds while this investigation takes place.
Product: Credit card or prepaid card

this goes to a previous complaint filed against Comenity Bank and my XXXX XXXX Credit Card - they have now added INTEREST to a XXXX balance account. For what reason???????????????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uneasy about the ability about communicating a dispute involving Identity Theft, I have tried on several occasions to electronically and telephonically communicate to XXXX   Credit Reporting Agency that I am a victim of Identity theft and never gave permission nor received benefit of the accounts and inquiries acknowledged. The Accounts and inquiries of concern are as follows : XXXX XXXX XXXX  Acct # XXXX ( {$8.00} ) XXXX XXXX XXXX  Acct # XXXX ( {$2500.00} ) XXXX, XXXX-XX/XX/19, XXXX-XX/XX/19, XXXX-XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX-XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit pulls show on my credit report that I did not authorize ... two of them show duplicate inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX that I am ( 30 60 ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

My account in paypal is permanently limited because I reach the amount thereshold.
Product: Debt collection

This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX Debt Validation Form Questionnaire to be returned : Account # : ____________________ Original Creditor 's Name : _________________________________ Name of Debtor : ______________________________________ Address of Debtor : ___________________________________ Balance of Account : __________________________________ Date you acquired this debt : _________________________ This Debt was : assigned ___purchased___ Please indicated any credit bureaus to which you have reported on this account : XXXX ______ XXXX ______ XXXX _____