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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WESTLAKE FIN, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Revised Statutes under Sections 367.010 and 367.020, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020. 
It has come to my attention that WESTLAKE FIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 367.010 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 367.020 of the Missouri Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Missouri Revised Statutes Section 570.020, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WESTLAKE FIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WESTLAKE FIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 367.010 and 367.020 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that WESTLAKE FIN will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit reporting or other personal consumer reports

The entire year of XXXX XXXXXXXX Ive provided letters of dispute through credit bureau and lender. XXXX. In which XXXX is reporting a car loan as charged off/written off as well as being a closed account while still trying to collect debt. I was not provided any documentation regarding the XXXX form showing that the car loan was in fact written off. I am going to sue as well as report to XXXX  if this inaccurate information being provided on my credit is not updated.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX & XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. XXXX. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a notification today XX/XX/XXXX ) XXXX from Transunion for new account XXXX XXXX XXXXXXXX I HAVE NO ACKNOWLEDGEMENT OF THIS ACCOUNT. I CALLED THE COMPANY AND TOLD THEM THIS IS FRAUD. This collection belongs to someone else
Product: Mortgage

In 2009, I was informed by Citimortgage/Citibank via writing that they were foreclosing on my home. At the time I was several months behind, as the interest rate was 9.9 % as a result of ARM increase, and I could not make the huge payment. We tried to renegotiate and get back in good graces, but they would not budge from 9.9 %. We vacated the home, and they let the property sit for over 2 years, making us liable for taxes, maintenance, etc. and never followed through on the foreclosure with the Sheriff. The property was in limbo and I do n't think they even have paperwork as the loan was sold XXXX times in one year. They bore no responsibility financially for these expenses, forcing me into bankruptcy. I feel like they stole my home, my reputation ( resulting in job loss ), and my credit rating ... leaving me in shatters. There are still claims against us to this day ... and we can not seem to fight them off. Since then, I retrained my career, returned to employment, and we have rented a home closeby, and have been in good standing with the landlord for over 3 years. However, as I continue to reflect on what happened, I feel like laws were broken, and I was a victim.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by Equifax regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, Equifax is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : Equifax reports a XXXX late payment for XX/XX/year>. 
XXXX and XXXX report a 30-day late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections 15 U.S.C. 1681i and 1681s-2 mandate that credit reporting agencies, including Equifax, correct any inaccuracies or incomplete information to ensure maximum accuracy.

Requested Action : I request that Equifax conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history.

Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This account has already been deleted and updated, they are now sending me more mail about a collection agency contacting me. I want this not to report anywhere on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank keeps saying it can not approve my credit card application for the following reason : " Unable to verify Identity ''. ( see XXXX letter attached ). Experian keeps recording wrong names which is the direct cause of the discrepancies. ( see recent credit report attached ). When queried by creditors, Experian does not return first my main identity as shown on my ID ( attached also ) with my correct full name but instead a series of variations which causes the approval failure. I complained several times about this problem. Finally, Experian added to my report a Personal Statements : " SPECIFIC PATRONYM RISK AS MY FULL NAME IS MADE OF A COMBINATION OF FOUR EXTREMELY COMMON GIVEN NAMES AND FAMILY NAMES WHERE ALL INVERSIONS, SUBSTITUTIONS, OMISSIONS, OR MISSPELLING CAN BE LINKED TO EXISTING INDIVIDUALS. REQUIRE THAT ANY NAME RECORD EXCLUSIVELY CONTAINS MY FULL PATRONYM AS OF XXXX XXXX XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XX/XX/XXXX to XX/XX/XXXX I have a few late payments with CapitolOne due to change of employment & taking care of my sick grandmother, Ive contacted them to remove the charge off & late payments but they refuse & being non compliant, Ive also settled in the account so there shouldnt be any reason why they shouldnt remove it.
Product: Credit reporting or other personal consumer reports

My credit report shows that I was late on my XXXX XXXX  on XX/XX/year>. I was never late on this account. And am asking the CFPB to investigate this account, and ask the credit bureaus, for a statement proving that this late payments is accurate. If they can not provide proof. I am asking that the late payments be removed, and the status be updated to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My matter was forwarded to Equifax on XX/XX/2020 and I received a response on XX/XX/2020 from Equifax stating that the process generally requires US/EQUIFAX to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. It has been a total of 35 days. Per FCRA and the ftc.gov website credit reporting companies must investigate the items in question and respond within 30 days. There is no legitimate reason for the disputed account to continue to appear on my credit report ( PAST 71/2 YEAR STATUTE OF LIMITATIONS ) ( In total violation of FCRA ).
Product: Payday loan, title loan, personal loan, or advance loan

Concern, I am writing to formally dispute and express my concerns regarding an account listed on my credit report. After reviewing the details of my credit report, I have identified discrepancies that I believe are in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). SUN LOAN company reopened my account multiple time without my permission. I have dispute this problem multiple time & still no fair result.This has effect my credit score severely due to it being reopened enclosed multiple times. My account was initially closed XX/XX/XXXX reported reopened XX/XX/XXXX, reported XX/XX/XXXX reopened XX/XX/XXXX close XX/XX/XXXX reopen XX/XX/XXXX, XX/XX/XXXX and reopen XX/XX/XXXX and still continues to be open now. This account has been charged off and shouldnt be reopened but my rights are steadily being violated and its affecting my financial situation.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness which means it is income and must be removed from consumer profile. 

CHRYSLERCAP XXXX XXXX XXXX Account # : XXXX XXXX XXXX ( Privacy Act of 1974 ) The law says that it is illegal to report transaction history.

In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX Equifax : XXXX  XXXX  : XXXX>XXXX< XXXX  : XXXX><><. XXXX XXXX Equifax : XXXX  : >XXXX<XXXX XXXX  : XXXX  : >XXXX<XXXX : XXXX. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX  .XXXX XXXX XXXX/XXXX  Equifax : XXXX, XXXX/XXXX Equifax : XXXX  XXXX  : XXXX XXXX : XXXX, XXXX/XXXX XXXX XXXX : XXXX  : XXXX  : XXXX XXXX XXXX XXXX : XXXX
Product: Student loan

Got a school loan back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Started repaying back the loans until i hit a rough patch and could not afford to make the full payments every month. I called and asked if they could help me out by lowering my payments or freeze the interest for a while or anything else they can do to helpe out. Their response was that there was nothing they could do for me. So i would make partial payments but with the interest and late fees, i was getting no where. I called back and talked to them again and i got the same answer so i told them that i was going to stop paying cause the late fees where ridiculous. Instead of lowering my loan it was going higher and their response was you do what you have to do. Less than a year goes by and they started taking all of my taxes each year. XXXX is somethimg else
Product: Mortgage

I have had a heloc with USBank since XXXX. XX/XX/XXXX they reminded me aware of the {$90.00} annual renewal fee to be charged XX/XX/XXXX. That did not concern me. 

On XX/XX/XXXX I received a letter indicating that any use of the credit line is subject to application approval, credit check, and only allows draws on the account for one more year. In short, there is really no value to the account any longer. What benefit is there to having the HELOC. Can only draw on it until XX/XX/XXXX and must schedule repayment until XXXX/XXXX/XXXX. 

Because of its limited use and benefit, I asked to close the credit line, which they will do, but they do not refund the {$90.00} fee that was just charged. They claim contractual fee and not refundable. The fee is for the upcoming year. 

If I had known the upcoming limitations on the use of the account, I would have closed it a month ago. They charge an annual non refundable fee to provide a credit line with the highest flexible rate offered, still subject to credit approval and appraisal, and can only be drawn on for another year. What am I paying these fees for? Seems unbalanced to me. They quoted that I approved of these contractual provisions back in XXXX. 

Seems rather harsh to not refund a fee on a line of credit that has not been used in years, charges a higher than normal interest rate, and to not be willing to refund one business day after being charged. Especially since I have been a USBank client since XXXX for all our banking and also as a checking account holder and debit card holder before that since XXXX my first ATM card was with Star Bank . 

I really think this HELOC / mortgage practice needs to be reviewed. Very consumer unfriendly. What is the value of having a HELOC preaporoved if it charges higher than normal interest rates and is still subject to credit application and appraisal. What am I paying {$90.00} for? 

I would have canceled the HELOC in XXXX if I had known the limitations on the account which were not communicated until after the fee charge date. I do not feel like a very valued client. 

An annual fee of up to {$90.00} may apply after the first year. Application is subject to normal credit approval
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 XXXX XXXX XXXX. 

XXXX, XXXX XXXX XXXX : # #, XXXX XXXX  XXXX, XXXX XXXX BANK XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX  XXXX, DEPT OF XXXX, DEPT OF XXXX, DEPT OF XXXX, DEPT OF XXXX, XXXX, DEPT OF XXXX, DEPT OF XXXX, DEPT OF XXXX, XXXX OF XXXX, DEPT OF XXXX, XXXX, DEPT OF XXXX, DEPT OF XXXX, DEPT OF XXXX, DEPT OF XXXX, DEPT OF XXXX, DEPT OF XXXX, DEPT OF XXXX, DEPT OF XXXX, XXXX XXXX XXXX : XXXX, DEPT OF XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

1

5 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 oth
er 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: Money transfer, virtual currency, or money service

Citibank had a data breach prior to this incident. On XX/XX/2023 I received a text message at XXXX XXXX  from the Citibank Fraud Dept indicating that someone had hacked into my account and charge it with two transactions : the first charge was for {$1.00} and the second charge for {$210.00}. Both charges took place at a Home Depot located outside of state California. I checked my account using my mobile app and both transactions had indeed been charged to my personal checking account with Citibank. 

I text back with a no to the fraud department, indicating that neither one of these transactions were mine. The fraud department text me back, indicating that a fraud specialist would call me back shortly.

At XXXX XXXX  I received a call from a fraud specialist indicating he was from the Citibank fraud department. OK, informed me that I had two more transactions pending with XXXX. One for {$2400.00} and another one for {$700.00}. He also indicated that we would have to work swiftly to reverse these two transactions otherwise it would take 21 days to recover my money if these two transactions clear XXXX. 

So the fraud specialist instructed me on how to reverse these transactions by giving him the bank codes that would cancel these transactions before they hit my account. 

He then indicated that he would cancel the old debit card and send me a new debit card overnight mail with the balance of my money on the new debit card which I never received. 

The bottomline is that I was defrauded by a Citibank imposter who obviously knew bank procedure duping me out of my money with real transactions and text messages including language becoming of a seasoned bank representative, covering all bases related to these transactions. 

Even though these transactions took place out of state at the time, I never received a call from Citibanks actual fraud department regarding this matter.