23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I bought a car at a Local Car Dealer called XXXX XXXX XXXX XXXX in the city of XXXX XXXX, they informed me that I could choose to have vehicle financing options, in fact they helped me with the financing of the chosen car They informed me that the financial company that had tested my credit was Westlake Financial ; at that time I only had a passport since I had just arrived in the United States as an XXXX XXXX the financial institution Westlake Financial assigns me an annual interest rate of 23.79 %, at which they informed me that at that time they would not report my credit history to the Credit bureau of the United States, but once it had my social security number, it would send the corresponding information in order to update my information in the system and also report my usage history to the country 's credit bureaus. 

On XX/XX/XXXX, I contacted the financial institution Westlake Financial to report that I already had my Social Security Number in order to update my information, they told me that I should send the supports of my information to the emails : XXXX, XXXX, XXXX, in order for them to update my information in the system and that it would take about 30 days ; In effect, on the day I sent the support of the documents on XX/XX/XXXX, I sent said information via e-mail and made sure that they had received the information, so I contacted the financial company again, to which they informed me that the documents were already in possession. of them and that they would carry out said modification. 

At the beginning of XX/XX/XXXX, I contacted the financial company again and asked why, if I had sent my information a month ago, the credit information was not updated, after many calls they finally informed me that this was not going to be possible since he did not have the right to have a financial report in the different credit platforms because he was not a XXXX or an American citizen. 

For a year now I have been paying my credit installments worth {$390.00} on time every XXXX of each month, without having the right to obtain a better interest rate because Westlake Financial simply does not want to publish my credit report apparently for not be a US citizen or resident ; Something I don't understand is if there is such discrimination for being an XXXX  because if they grant credits with high rates to the same XXXX 

A few days ago I received a letter from a financial entity in which they offered me the purchase of my credit, they were the ones who informed me that in the United States there was an office in which they could help me, that is why I ask for your help since As I inform you, Westlake Financial refuses to update my credit information, forcing me to pay their high interest rates and without having the possibility of accessing a decent vehicle credit.
Product: Debt collection

A company called FM Capital and a XXXX XXXX called me saying I had a bad check written out of state under my name and social, which I do not. She threatened legal action and said she had not heard from me after repeated attempts. I've never heard from this person before and I have definitely not received any notices in the mail about a collections item. She called from XXXX. Worse, this person left the same message with third-parties, including relatives. This made me look horrible. I also know this to be illegal. They asked me to call her back at XXXX. She also said she was representing someone named " XXXX XXXX. '' I don't even know a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have two late payments reporting that shouldnt be reporting according to 15 USC 1681 A ( 2 ) ( I ) which stats the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; MY TRANSACTIONS are my payment history therefore the accounts shouldnt be reporting late on my credit report.
Product: Prepaid card

Hi, My company gave me a {$300.00} Amex gift cards as a bonus and I'm unable to use it anywhere ( including XXXX and XXXX ). It just says : " Transaction declined. '' This seems to be a common occurrence with Amex. I'm happy to give you my gift card number. 

I called the number customer service number on the card which was of no help. The auto response said to try another vendor and then it hung up on me which I tried to reach an operator. 

Thank you, XXXX
Product: Mortgage

I am in a short sale with Wells Fargo. There is no XXXX mortgage. Seller 's husband died which created her hardship. She is on XXXX and Wells has asked for 1 ) and profit and loss statement prepared ONLY by a CPA which is completely non standard, I did my own P and L since there was nothing on it but {$190.00} a month! 2 XXXX The BPO was done XX/XX/XXXX and is now expired. Since then I have been with XXXX processors who have all asked for the SAME thing repeatedly! I have continued to supply it, but now they are asking for evidence of seller receiving food stamps. This has NEVER been requested before and I have been given only 48 hours to submit it, even though it will take XXXX weeks for seller to receive one in the mail. I have a buyer whose loan lock is expiring. 3 ) Since the XXXX was done in XXXX, I am now being told it 's expired and will have to have a new one before value is reviewed. This is NOT acceptable as that will take at least XXXX more weeks. I have escalated this file to the top level, XXXX XXXX is her name, but now she is on vacation!
Product: Credit card

I am submitting a claim regarding Navy Federal Credit Union for charging excessive interest and late fees that I believe are not in compliance with applicable laws. They have been charging interest on top of late fees, resulting in charges that often match the exact amount of my credit card payments. 

Under XXXX XXXX XXXX XXXX, the maximum allowable annual interest rate for revolving credit accounts is 18 %, unless an alternative rate ceiling under XXXX  XXXX applies. 
TEXAS STATUTES Additionally, per Texas Finance Code XXXX, late fees are capped at the lesser of {$15.00} or 5 % of the payment due, applicable only if a payment remains unpaid for 10 days or more after its due date. 
XXXX I have consistently made my payments on time, yet Navy Federal has overcharged me in a manner that seems deliberate. For example, they have applied fees equal to my payment amounts, which subsequently led to additional interest fees. This practice appears unfair and exploitative. 

I respectfully request a thorough review of this matter and an explanation of how these fees comply with federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : reason I never received a response from the credit bureuas XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fidelity Creditor Services inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, I've sent multiple letters to Fidelity Creditor Services. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 

My last correspondence to them ( see attached ), was indeed received by them as reflected on my certified receipts ; however, they have not responded. My certified receipts reflect that they received my dispute. The first set of documents provided bu this company lacks veracity. They bore handwritten information that appeared to have been manipulated. The first violation is that Fidelity inserted this unverifiable, inaccurate entry on my report without providing me time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my first dispute. These are direct and blatant FDCPA violations. Fidleity must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for XXXX XXXX, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$660.00}? Or the {$470.00} that is reflected as the original balance. Why are there two different numbers? These numbers are arbitrary and lack veracity. Fidelity is refusing to respond to my request, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Product: Credit reporting or other personal consumer reports

Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). These entries are in reference to debts that are not mine and should be removed immediately from my credit file. 

The following debts are being reported inaccurately, and I request their removal from my credit report : XXXX : {$13000.00} Santander : {$26000.00} Navy Federal Credit Union : {$5200.00} Navy Federal Credit Union : {$2000.00} Furthermore, I would like to emphasize that all debts associated with the address XXXXXXXX XXXX XXXX are not accurate nor do they belong to me. I have previously submitted dispute letters to the creditors listed above without receiving verification of these debts, which violates my rights under the FCRA. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I am entitled to dispute inaccurate information on my credit report and request that it be corrected or deleted. The reporting agencies must investigate the disputed information and delete any entries that can not be verified as accurate within 30 days. 
Servicemembers Civil Relief Act ( SCRA ) : As a servicemember, if these debts are related to a time when I was in military service, I am entitled to protection from default judgments and certain collections actions. If these debts are erroneously listed as part of my credit report, I request their removal to ensure compliance with the SCRA.

I demand that you investigate this matter and remove these inaccurate items from my credit report. Please provide me with written confirmation once these debts are verified or removed. If you are unable to provide valid verification, these debts must be permanently deleted from my credit file, as required by law. 

. 

Failure to comply with the requirements set forth in the FCRA and SCRA will leave me no choice but to seek legal action and report non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office.

Please consider this matter urgent, and I expect a resolution in accordance with the law. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter, from the attorneys that sued Ally financial and clearly states, the account should no longer report late payments, and to delete account from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX procedure on XX/XX/XXXX. Insurance paid benefits, and I paid the balance. {$500.00} of the bill was excluded from insurance coverage because the procedure was disallowed, as it was incidental to the billing code that was paid. At the time of the XXXX, XXXX XXXX, XXXX, was an employee of the doctor doing the procedure, and was paid by his office. She subsequently left the doctor 's employ, and attempted to collect the {$500.00} that was disallowed. I refused to pay her bill, as she should have been paid by the doctor, and her dispute was with him. 


2 years later, in a letter dated XX/XX/XXXX, First Federal Credit Control , Inc. a debt collection company, wrote that XXXX XXXX, XXXX, referred my account to them for collection. On XX/XX/XXXX, I asked my husband to call First Federal to dispute the validity of the debt. He spoke to XXXX XXXX, and gave her the information, and faxed her proof of the debt not being valid. Neither Ms. XXXX, nor anyone else has been in contact with me by mail, phone, fax, or email since. 

We contacted the appropriate credit reporting agencies and filed a dispute. We are in the process of purchasing a home, and when our credit was pulled recently, the invalid collection was still being reported. My husband contact Ms. XXXX again in the last few days to get this matter resolved. She declined.
Product: Bank account or service

I have an account with USAA who is located in XXXX XXXX Texas. Duringg the last week, I had a situation whereas my bank account was frozen. I did have a chance in telephone number, address, and because I feel I made purchases the bank froze my account. I was made to make XXXX phone calls XXXX XXXX XXXX and identify myself twice. My second phone call was sent to the fraud division. The monies in this account contain my rent, food and money for bills. Today I made XXXX phone calls each time security was an issue. Yes I moved and have a new telephone number. This is my right, and for the bank to freeze my monies I felt this was suggesting that I was committing fraud.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account ( XXXX ) and an address ( XXXX XXXX XXXX XXXX XXXX, VA XXXX ) that is not mine and I never lived. I have tried disputing this error numerous amounts of times and Experian is not doing the proper investigation nor giving me the return documents or proof of this account being mine. I was a victim of an XXXX data breach and I feel this error is a result of the data breach. 
Experian is the only credit reporting agency reporting this account Error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

1.XXXX  XXXX 2.XXXX  XXXX
Product: Debt collection

Still a ridiclous situation with this collection company ; The original company which debt is from never EVER had the intention to send this to collections ; It was supposed to be removed as it the entire situation was mediated by a lawyer with the original management company of the property. I would like for this to be immediately removed as I am no longer responsible for this debt. 

Company claimed that " Mr. XXXX abandoned the unit XX/XX/2014, resulting in unpaid rent and lease termination penalties '' however the unit was never abandoned, and all of this was handled out of the management companies main office who oversaw the property. 

Thank you for doing the right thing.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Credit Reporting Agency I am writing to formally dispute inaccurate information on my credit report that I believe in harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX, XXXX and Transunion for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Student loan

I am receiving emails stating that now I am having to start paying on my students loans. I am currently in forebearance with another lender and can not start making payments XX/XX/XXXX. I am on a fixed income and this is something that can not fit into my budget at this time. This is stressful and I am very unhappy about this since I have sent all of the information they have requested. Along with the payments being requested before I thought it would be the amount is outrageous.
Product: Credit reporting or other personal consumer reports

All three letters were mailed certified to the national credit bureaus. reference numbers below : XXXX- XXXX XXXX - Experian XXXX - XXXX please see the attached letters and please remove the inquiries based on those letters.
Product: Mortgage

We have in numerous occasions contacted SPS to attempt to refinance, loss mitigation and offered a short sale which should be on recorded conversations with the company. We were told that we were not eligible for any assistance options at all. 
Then when we found a foreclosure realtor specialist she was told that we were sent a letter in XXXX that said we were eligible for a short sale.

We never received said letter and we were told verbally on a recorded line by a SPS representative, after being placed on hold, that we were not eligible for a short sale. So we felt we had exausted every opportunity we had. Now to find out it was all a lie.
Product: Credit reporting or other personal consumer reports

ORIGINAL COMPLAINT XXXX NOT RESOLVED! 
i Have several credit inquiries on my credit report that i did not authorize, i disputed the inquiries and got a response bac in less than 24 hours stating that items had been investigated and they were factual, this is incorrect listed below are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Phone XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( End of Report ) XXXX Company Information Inquiry Date ( s ) XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX UT XXXX Phone XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX Phone XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone XXXX ( XXXX ) XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was suppose to handle the situation
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED INACCURATE ACCOUNTS.