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

Westlake is reporting inaccurate payment information to the consumer reporting agencies. There is a discrepancy of the information being reported to XXXX and XXXX. On the auto account, Westlake is reporting 30 days late in 2 different months. I have emailed them, and even had communication with the executive office. The issue still has not been fixed. When I told the executive office that they are reporting inaccurate credit information, they did not respond back to my email. If this is not resolved within this CFPB complaint, my next step will be a lawsuit because now it is willful and knowingly reporting of inaccurate information as I made Westlake aware both by disputing with the consumer reporting agencies, and by emailing their corporate office.
Product: Debt collection

A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed a XXXX  account was opened fraudulently on XX/XX/XXXX, I disputed this account with XXXX directly and it was closed by them on XX/XX/XXXX. On Thursday XX/XX/XXXX ( 4 years later ) I received a collection letter from XXXX XXXX, collection supervisor @ Credit Control. Today, XX/XX/XXXX, I sent an email to XXXX ( email on the letter ) disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my 3 credit bureaus reports recently and noticed some unauthorized inquiries on my credit report. I called each individual company to report the inquiries as unauthorized. However, they are still listed on my report. These inquiries are inaccurate and unrecognized by me. I am requesting the immediate removal of all inquiries listed below by each credit bureau. 


Unknown Inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX Unknown Inquiries From XXXX XXXX ) SYNCB/PayPal- XX/XX/XXXX, XXXX ) Synchrony Financial XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) SYNCB/XXXX XXXX ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX SYNCBXXXX  XX/XX/XXXX Unknown Inquiries From XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX through Experian which is the top protection for my personal information. Well I just login to their cite and it days my info was published on dark web over XXXX times and ask for me to upgrade my account to get it off there. They are already paid to protect my Information. And their scoring is way off from the other XXXX companies. Why is that? Why is this company able to threat their customers by wanting more money for the best solution when I already have it and will not fix my stuff.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I made my payment for XXXX first payment which the rep said that it would not show negative on my credit because it was in XXXX days and I would be fine he guaranteed me that. Then I noticed that my XXXX payment was showing past due on my credit which I made my payment on the XXXX which shows on my credit but showed that I feel into the 30-60 days. I informed management and it took a week for them to contact me. XXXX talked to me and was very rude to me Told me if I made my payment on time this would not happen. I never felt so disrespected in my life. He said that I had to do all this stuff for him to fix my credit even though I told him that I could not do all that he wanted. He kept being rude to me and I told him I was filing a compliant. I want all of the negative remarks from Local finance to be removed and I am even going the lengths to pay them off Friday. I have been with them for years and have never been 30 days late with them. XXXX XXXX acted like I was a horrible customer and I will never get a loan with them again. 
Local Finance is the company XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX
Product: Debt collection

BYL COLLECTIONS SERVICES ( XXXX XXXX XXXX ) reporting a debt owed of {$27.00} is a result of identity theft and has been reported to the FTC and is currently under fraud investigation as I am a victim of Identity theft. This account was has been active and reporting since XX/XX/2016 per my monitoring service. This account does not belong to me.
Product: Credit card or prepaid card

I am a " Star Rewards '' cardholder with XXXX. I purchased over {$1200.00} dollars worth of items within a 6 month period and because I was a Platinum member, I was supposed to be awarded a {$10.00} reward for every {$150.00} dollars spent. I was missing {$60.00} dollars in award money ( money to spend on purchases ). I logged into my account multiple times and the reward money was never there. I contacted XXXX Customer Service and they said " They made a Mistake '' and that I was supposed to have gotten the {$60.00} dollars but for some reason I never received it. I told them I wanted to close my account, and they said they would credit the {$60.00} dollars of rewards money to my account, and I kept checking and they never credited it. I contacted them again and they continued to avoid giving me my award money, so I paid off my balance of {$500.00} dollars in XXXX. Two months later ( received new bill in XX/XX/2018 ) - they sent me a new bill saying I still owed them {$4.00} two months after I paid off the balance. I checked my balance before I paid the account off and it was exactly XXXX dollars. XXXXXXXX XXXX charged me {$120.00} in interest charges in a 8 month period. 

1. I do not owe them {$4.00}. My balance was {$500.00} when I paid off the balance two months ago on XX/XX/2018. I want this balance removed because I paid this bill on time and I checked the balance before I made the payment and there was no interest charged on the balance at the time I made the payment - XX/XX/2018. They sent me a bill TWO MONTHS LATER! 

2. They purposely kept my rewards earnings of {$60.00} and never allowed me to use it. The XXXX XXXX Customer Service representative even admitted they had made a mistake and never awarded me the {$60.00} dollars I had earned. I want my {$60.00} dollars in rewards money from these XXXXXXXX XXXX CROOKS!
Product: Debt collection

Credit breau refuse to remove reporting creditor off report after several disputes made and no response back with in 30 days from the creditor with the correct information that was requested per the Fair Credir Reporting Act FCRA. Creditor sends statements to address requesting payment with 3 party phone number to contact and pay
Product: Credit reporting, credit repair services, or other personal consumer reports

A collections company called XXXX XXXX XXXX reported to Experian that I owed {$420.00} from a creditor called XXXX XXXX of XXXX. I disputed this reported debt from XXXX XXXX  with Experian on numerous occasions only to have it confirmed after each dispute. After disputing this collection debt with the Consumer Finance Protection Bureau on  XX/XX/2019 ( complaint # XXXX ), XXXX XXXX XXXX reported that my debt was {$350.00} and not {$420.00}. I again disputed this debt with Experian after receiving my response from the CFPB. On XX/XX/2019, Experian lowered the debt amount reported by XXXX XXXX  from {$420.00} to {$350.00}. Experian then lowered my credit score and stated that I made a late payment to XXXX XXXX  which is unlawful, untruthful and unfair to me as a consumer. I've never made a payment to XXXX XXXX  and I am still denying this invalid debt collections because this amount was paid prior to it being reported to collections or it is fraudulent. I've had fraudulent activity attempted with my name and personal information this year and prior to this year because my personal information has been compromised. XXXX XXXX  has not responded to my dispute since it was submitted on XX/XX/2019 and has not lawfully sent me validation of this debt which I have requested.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

YOU ARE REPORTING THIS COLLECTION AS AN " OPEN ACCOUNT AND 120 DAYS LATE WHICH IS NOT UNDER THE FCRA COMPLIANCE. THIS IS INACCURATE REPORTING AND IT NEEDS TO BE REMOVED IMMEDIATLEY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION IS DELETED AND REMOVED. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and i have a number of inquiries on my Transunion credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights. 

I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. I would like these fraudulent inquiries deleted from my credit file immediately XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it my concern, never made any inquiries on my credit. Suntrust bank is on my hard inquiry that I never did. Please look into this cause I did n't look for any loans for anything. Thanks XXXX XXXX.
Product: Credit reporting 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.

I have informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX However, t

hey stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C 1681 section 602 A : states I have the right to privacy. 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 or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, placed an account of my husband 's account on my credit report because he filed for bankruptcy, but I did not. We did not have a joint account at all. I would like to have it removed from my file. 
This has prevented me from making any purchases or loans. Thank You. for your help.
Product: Debt collection

A XXXX Credit Card was sold to LVNV FUNDING and XXXX law suits were filed the first was dismissed to investigate the fraud claim the law firm for LVNV XXXX XXXX and XXXX never contacted me after that 3 months later they file a XXXX Law suit. I completed the fraud affidavit and filed a complaint with the XXXX XXXX PD. And provided all requested information in regards to LVNV AND XXXX XXXX and XXXX to show proof this credit card along with 3 others were opened fraudulently by my exwife .. who admits to using my Social security number to open fraudulent accounts. Both LVNV and XXXX XXXX XXXX XXXX continue to peruse me legally for a fraudulent account. I have yet to receive a response from LVNV nor XXXX XXXX XXXX XXXX in regards to their investigation or finding from the fraud affidavit that was sent to both companies over a month ago. The law suit is still pending and both companies continue to attempt to collect an account that was fraudulently open.
Product: Bank account or service

I would like to file a complaint against a Chase Bank that is located on XXXX, XXXX, CA XXXX for treating customers in an inappropriate way. My son and I were at that mentioned location yesterday XX/XX/2017 at XXXX pm. Their hours show they closed at XXXX pm. We were greeted by a young lady who asked us what was the reason we went there for. We told her that we wanted to open an account. She wrote down my son 's name and we were told to take a seat. We were waiting and there were XXXX groups of people in front of us. At about XXXX, we were told by the young lady that they could n't help us open an account today because they stopped opening accounts at XXXX pm. She suggested we could either make an appointment for another time or come back the following day. When I heard that, I was so upset. She should have told us about XXXX when she knew about the situation. It would not be a big deal for me if we had been waiting for ONLY XXXX minutes, but we had been waiting for half an hour and were told we could n't open an account. They wasted a half an hour of our time for nothing. So I told her I wanted to file the complaint with the manager. She told me the manager was not there so she let me talk to the XXXX teller, who also told us that they could n't help us today. My point is if they already knew the cut off time to open a new account is XXXX pm, why did the young lady not tell us at XXXX? Why did she wait XXXX minutes to XXXX pm to inform us that they could n't help us to open the account today. I have no problem with leaving if we had just been waiting for XXXX minutes but we were waiting for half an hour and were sent home. This is not an appropriate way to serve the public. The reason I am filing a complaint against Chase Bank is because I do n't want them to treat other customers the same way that they treated us. I still think that they should have stayed longer to help us to open the account because we did n't walk into the bank XXXX minutes before they closed. I left the Chase Bank angry and upset.
Product: Debt collection

In XX/XX/year>, I received a copy of my credit report and noticed this collection agency National Credit Systems was attached to my profile with a large debt amount of {$4400.00}. I reached out and called the company to let them know that the information they were reporting on my file was indeed NOT mines. I asked them to send me the ORIGINAL lease contract from the apartment complexes saying my name was on the lease and they had the right to collect any debt from me. The young lady told me they did not have that information. I know they do not have it because I was NOT under any contract with the leasing company during the time stated. I do NOT owe this debt. I did not have any contract with the original creditor and I would appreciate if this company stop reporting inaccurate information on my credit report.
Product: Checking or savings account

somone stole my card used it for a restaurant and the ATM withdrawal. a restaurant charge for XXXX and atm charge of XXXX on XX/XX/year> the company said it was me and didnt even bother asking me anything they didnt even look into it
Product: Debt collection

Three years ago we began receiving debt collection phone calls to our new landline, XXXX. We finally learned, about a year ago, from repeat caller ( s ) debt was ( is ) owed by XXXX XXXX or XXXX ( unsure of spelling ) to Navy Federal Credit Union ( NFCU ). I am a long-time NFCU member in good standing. I contacted NFCU customer service XXXX and XXXX XXXX XXXX CEO of NFCU via corporate email requesting the debt collection harassment cease. I was told by customer service, XXXX XXXX had read my email, the debt collection attempts were made 'in house ' and that they would stop. 

We receive two calls a day from XXXX for XXXX XXXX or ( XXXX ). My spouse has repeatedly explained they have the wrong number. I have stated I would file complaints against the caller. The Debt Collector 's caller refuses to name the company they represent or provide any information supporting the legitimacy of their claim. 

On XX/XX/2018 I, again contacted XXXX XXXX XXXX CEO of NFCU using my email account. I, again contacted NFCU Customer Service. I answered the Debt Collector 's call and demanded details for his call including the name of the company he was representing. He stated he would not divulge any information and that 'we ' dialed the wrong number and would remove our number from his list. We've heard all this before ; as in over the past three years! 

I want the name of that debt collection company. I want monetary compensation for my time, aggravation and continued harassment.
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute and Cease Communication Request for Account ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the alleged debt claimed by your agency and to express my concern about possible violations of my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please consider this letter a formal dispute, a request to cease all further communication regarding this alleged debt, and a request for an explanation of any recent credit report access.

Cease and Desist Request 15 U.S.C. 1692c ( c ) Pursuant to 15 U.S.C. 1692c ( c ), I request that your agency immediately cease all communications with me regarding this debt. I hereby refuse to pay this debt, and I do not wish to receive any further communication from your agency on this matter. Any further attempts to contact me, beyond those required by law, will be viewed as a violation of the FDCPA, and I am prepared to take action to protect my rights if necessary.

Unauthorized Credit Report Access 15 U.S.C. 1681b ( 2 ) I have recently reviewed my credit report and noted inquiries from your agency. I am concerned that these inquiries may have been made without a permissible purpose under 15 U.S.C. 1681b ( 2 ). I request that you confirm in writing the permissible purpose under which you accessed my credit report, along with the dates and reasons for these inquiries. If no permissible purpose exists, I request that you remove any unauthorized entries and inform the credit bureaus to do the same. 

I request that you : Confirm receipt of this dispute and cease communication request in writing. 
Cease all further communication with me concerning this alleged debt. 
Provide information on any access to my credit report, including the date of access and the permissible purpose under which access was made.

Please understand that I am aware of my rights under federal law, and I expect your agency to comply with the FDCPA and FCRA. Failure to do so may result in further action on my part. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I am paying back a Parent Plus loan for my daughter. The loan was originated from XXXX XXXX, everything seemed to be accurate until Navient took over the loan. I have always paid more than the minimum on the loans each month, I also never was late, however the balance of my minimum payment almost doubled and the balance seemed to be higher in the end than what i should be paying. I contacted the company and they told me at one time I was paid ahead but now i am not and i had to have a higher minimum payment to make sure my loan was paid off in allotted time. i have always paid more than the minimum and this made no sense to me. When XXXX was our provider on XXXX 13 we owed a balance of {$5100.00}, today our current balance with Navient is {$5400.00} there is no way these totals are correct, we called and the way they explained it to me i honestly can not understand, we will never get this loan paid back at this rate until the problem is solved with the numbers, it makes no sense, we need help figuring all this out, but customer service is no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX  XXXX  Debt, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXX {$3200.00} ( 4 ) XXXX {$1.00} XXXX
Product: Bank account or service

spoke to CSR name XXXX XXXX XXXX AT Navy Federal Credit union, representative told me as he was talking over me, I owe {$340.00} from over 17 years ago, I said to my knowledge I can not remember what that charge was for may I know what it was for? he stated he can not find that info but to be pat of navy fed you must pay this balance. I advised him I would nor would anyone pay a bill for a reason they can not recall making. I would gladly pay for it if I knew the charge. he continued to interrupt me with more questions as I was trying to gain information such as, why did you wait until now to pay? um maybe cause I did n't have the money ... any way, I asked to speak to a manager ( XXXX XXXX which I 'm sure he was more then happy to transfer me to. Supervisor XXXX was delightful and very pleseant to speak to awesome awesome customer service and very knowledgeable. XXXX complete disappointment to myself in my opinion to navy fed and to himself.