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

Subject : Cease and Desist Demand Regarding Unauthorized Credit Reporting Citations of Federal and New York FCRA Laws Dear WESTLAKE FINANCIAL SVC, I am reaching out to address a concerning issue involving the unauthorized inclusion of information on my credit report, which violates the provisions set forth by the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as pertinent New York state laws on identity theft and fraud. 

It has recently come to my attention that WESTLAKE FINANCIAL SVC has been reporting information to my credit report without procuring my explicit consent, a clear violation of federal law as delineated by the FCRA, Section 1681b ( a ) ( 2 ).

Furthermore, New York state law, in conjunction with FCRA regulations, emphasizes the imperative nature of consumer consent for such credit reporting activities. Specifically, the New York FCRA mandates consumer consent under Section [ insert relevant section here ]. Simultaneously, identity theft and fraud laws in New York, such as [ insert relevant New York Penal Code section ], underscore the seriousness of unauthorized access and misuse of personal information.

I want to emphasize unequivocally that I have not provided any form of consent for WESTLAKE FINANCIAL SVC to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness, and demonstrates a disregard for both federal and state laws. 

I demand, without reservation, that WESTLAKE FINANCIAL SVC immediately cease 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 relevant New York state laws. Failure to comply within the allotted 30-day timeframe will be considered as willful noncompliance, subject to penalties under applicable laws, including New York FCRA and identity theft statutes. 

It is crucial to understand that obtaining consent is not a discretionary matter but a legal obligation under these specific provisions of the FCRA, New York state law, and identity theft statutes. This is not a matter open for negotiation ; it is a demand for adherence to both federal and state regulations, which serve to safeguard consumers such as myself from unauthorized and detrimental credit reporting practices. 

I anticipate your immediate attention to this matter and expect that WESTLAKE FINANCIAL SVC will promptly rectify these infractions, thereby upholding my rights under federal and New York state laws. 

In good faith,
Product: Credit reporting or other personal consumer reports

There is over XXXX names listed on my credit report for me. There is over XXXX addresses listed for me, phone numbers..etc.. I have not given any credit company permission or any information, how are they getting this information and permission without my consent. This is wrong information on me. This has kept me from getting any credit. If you can notice the big change in my credit history from XXXX  to now there has been a significant change on my credit report. This is from the man I have met. He has managed to sabotage my name and credit so bad its unbelievable. Im tired of trying to fix this problem. I have repeatedly tried to fix this over and over again and it XXXX Keep happening to me. I never put his name on my credit report and I never removed his name so whos giving these credit companies permission to do this. This is invading my privacy and has affected my life majority and I have been without and suffered everyday since then. Im in debt and broke its not even funny. XX/XX/XXXX is my divorce date. Please this incorrect information has to be removed and something has to be done about this. All these years of suffering and him doing this to me. He should be fined for doing this to me.
Product: Credit card

I was never late in paying my Capital One. The account was on autopay set up through Capital One and that had been the mode of payment since establishing the account. I do n't know how they can justify destroying my credit by stating that I was XXXX and 60 days late for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX, XXXX and XXXX off my credit report.
Product: Checking or savings account

On XX/XX/XXXX my bank showed XXXX repeated transaction, XXXX for XXXX at XXXX and the XXXX XXXX for XXXX at XXXX. This happened at XXXX locations are not shown in my XXXX statements. Because I did not make the transaction, venmo asked for document such as receipt or anything in writing from the merchant in order to finalize my dispute. With that being said, venmo knows the merchant will not give out information like that to me because I am not a XXXX XXXX. XXXX of all, how can I get a receipt if I never purchased the transaction. Which they knew that too. It took them maybe XXXX day to do their investigation and they came up with unbelievable reasons why they denied my dispute. So I called around every XXXX to try and track down the transaction and final a XXXX from XXXX  office found out the transaction was a XXXX charge yet venmo claims to have called XXXX but never did. And also denied my dispute the XXXX time. Please help.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax, XXXX, and XXXX XXXX XXXX on XX/XX/year> about this collection account that does not belong. In that dispute I requested the Validation of Debt and the removal of the account in question per 15 USC 1692g. Also in this dispute I requested : ( 1 ) Send me a detailed list of history of payments made by me on the account. ( 2 ) I want to seethe sigature that I put on a contract guaranteeing that I would pay this creditor. ( 3 ) I asked to see has there been any insurance claims filedon this debt by the collection agency or the original creditor. ( 4 ) I asked for proof that XXXX XXXX XXXX have the chain of title to collect on this debt. Also per XXXX XXXX XXXX, XXXX XXXX XXXX is not licensed or authorized to collect debt in the state of Tennessee. This proof will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, my XXXX XXXX XXXX was totaled and deemed a total loss due to electrical problems. When financing, I purchased GAP insurance and an extended warranty. The GAP insurance was through a company named XXXX. It took me awhile to collect all of the documents but it was filed within the 90 days and the claim was processed. The next step was to file a cancellation on the extended warranty and that was handled by a company named XXXX. As soon as I received notice that my GAP claim had been processed, I filed a notice of cancellation that would cover the remaining balance, which was {$690.00}. I knew I needed to handle the payoff but at the end of XXXX, I placed a call to XXXX, which is on their record inquiring whether or not I needed to cover the remaining balance or wait until they received the warranty cancellation refund. I was instructed to not worry about the balance, that it would take longer for them to issue the refund check if I went ahead and paid it off. Three days later, they charged off my account causing my credit score to plummet. I immediately called back and spoke to another representative who told me that they would reverse the charge off once they received the refund check, as well as apologizing that I was n't notified of the charge off during my previous conversation. A week later, I still had not received notice of the refund check and called XXXX, the cancellation company. I spoke with a manager and she apologized for the delay and she would overnight the check, this was XXXX/XXXX/XXXX. I received the overnight notice XXXX/XXXX/XXXX. I called XXXX again to make sure the refund was received and it had been posted XXXX/XXXX/XXXX. I was instructed that the charge off would be deleted and I would be receiving a refund of {$670.00}, twenty one days after the check posted. That would have been XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX and my account has n't been adjusted nor have I received my refund check. I understand that it takes time to issue checks but the fact that my credit has not been adjusted is unacceptable. Before my car was totaled, I always paid on time and remained in good standing with the company. The lack of information and misguidance on the part of their representatives is disappointing.
Product: Checking or savings account

On or about XXXX I opened an Amex Bluebird account for their savings-type card and general banking account. Not the prepaid debit account, the other one. 

After opening, I set up online access and was in the process of configuring personal info, alert settings, privacy settings etc. 

When I got to the Alerts preferences none were selected so they were able to be 100 % customized to my alerts needs. After configuring I clicked the Save button and moved on to the Privacy settings. 

When I got to the Privacy preferences, every XXXX of them ( approx. XXXX ) were pre-selected to allow Amex/Bluebird to distribute my personal data unconditionally or in other words every radio button was preselected Yes to allow Amex/Bluebird to distribute my data to whomever for whatever purpose they chose. 

After changing all the radio buttons to No and upon reaching the bottom of the page where the XXXXave button should be, there was no Save button. At first I tried zooming in and out to see if it would appear but it didn't. After reloading and going back then forward to see if the Privacy settings were saved, they were not. Everything defaulted back to Yes to give Amex/Bluebird total contol over my privacy and data. I have 3 decades of experience in engineering and am more knowledgable than most in the use, configuration and maintenance of PC and PC driven systems and software. I verified this Privacy problem on XXXX up-to-date browsers, XXXX XXXX  and XXXX XXXX 

It appears that this company placed their footer on the privacy page intentionally over the Save button so most would give up attempting to Save their Privacy choices and just let Amex/Bluebird sell and distribute their personal lives across the planet. The footer blocking the Save button only affected the Privacy Save options, none of about 6 or 7 other parts/pages of the account setup/maintenance site had this " No Save '' condition/problem. 

It was only the Privacy settings that couldn't be saved, I have to believe that Amex/Bluebird is gaining financially from this deceptive, unethical and probably illegal practice. 

Potentially, e

very Bluebird account/card holder is having their data sold and distributed unconditionally against their wishes. Please verify this matter and take appropriate action against American Express/Bluebird . 

Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I was alerted to an issue with my credit report via the Experian App. When I investigated the issue, a fraudulent account was opened with XXXX XXXX and never paid, so the debt collection was outsourced to XXXX XXXX XXXX XXXX A collections account was added to my credit report and lowered my credit rating. I contacted XXXX XXXX XXXX and they gave me information regarding someone in XXXX, CA using my social security number. The address is not mine and I do not know anyone there. The addresses on my credit reports are legitimate and do not match the XXXX, CA address. I have placed credit alerts and disputed the account with the credit bureaus. The collections account is in the amount of {$1400.00}, placed on my Experian Account XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 166b A Creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I paid off my auto loan with XXXX XXXX. I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due sinceXX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with XXXX  and TransUnion by submitting a dispute. Nothing changed. I tried on XX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called XXXX XXXX and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX FIN XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the EQUIFAX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Credit card

2 credit cards were opened in my name with out my knowledge and capital one deemed them fraudulent. These 2 cards were paid using my bank account and paid capital one using XXXX of my money fraudulently as capitalol one has said. This past year I've turned in bank statements, police reports, unauthorized transactions, notarized statements, and now a hold harmless letter. It's complete chaos at Capitol one. Every time you call it's someone new and they don't know what the person before told you. I never thought I could provide a company everything they asked for and they can see the payments were taken from my personal account and still not return my money. I have an appointment with the attorney general on XX/XX/XXXX but they said I had to follow up one more time before she filed a complaint against capital one. Never in my life did I think a huge corporation would fight a XXXX XXXX  over {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA Experian. 

They have failed to remove information that was affiliated with personal identifiers that were challenged and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

The accounts are listed below : US Dept of Ed, Acct # XXXX XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX
Product: Checking or savings account

Dear Merchant and Traders, This morning at XXXX your online customer service XXXX XXXX XXXX refused to close my account that shows {$1.00}, since you broke XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Again this morning this complaint is being filed against you. 

Your employee made many excuses, lastly there is not a Merchant and Traders Bank Branch in XXXX XXXX so your request that a person without a XXXX License ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) come into your branch to make a closing account violates my Everytown for XXXX Safety position with your bank XXXX profiling me. 

Talking about this can be difficult, but you are not alone. 
We are going to ask you to provide as much information as you can this will help our team of analysts at the XXXX XXXX for XXXX and XXXX XXXX who are trained to review your report, so it can be provided to the appropriate people for possible investigation. 
XXXX : Thank you! 
Reporting XXXX  is an important step in stopping it thank you for the information you shared. 

Your report is number : XXXX The report will now be provided to our team of expert analysts. Please call XXXX ( XXXX ) and reference the report number listed below if you have additional information to add to your report. You will not be automatically provided with an update on the status of this report, but please trust the XXXX XXXX for XXXX and XXXX XXXX is making the report available to the appropriate law enforcement agency. 

You may also go to XXXX XXXX XXXX for additional information related to internet safety for all ages. 

Learn more by visiting XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my ChexSystems report that I believe is inaccurate and has been incorrectly reported by XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I attempted to open a Trust Account at XXXX XXXX XXXX XXXX, only to discover that there was an outstanding balance of {$160.00} reported by XXXX XXXX XXXX XXXX from XXXX. I was unaware of this account or any associated charges and was surprised to learn that it was listed as an unpaid obligation on my ChexSystems report. 

Upon further investigation, I contacted XXXX XXXX XXXX XXXX, where a representative informed me that the charge had passed the statute of limitations for collection, and as such, XXXX XXXX XXXX XXXX would be removing it from their internal records. However, despite XXXX XXXX XXXX XXXX acknowledgment that they will void the charge in their system, the negative entry remains on my ChexSystems report. 

I am perplexed by this situation, as XXXX XXXX XXXX XXXX has confirmed that they will no longer pursue collection of this debt, and the amount in question is no longer collectible due to the statute of limitations. Despite this, ChexSystems continues to reflect this erroneous charge, which is preventing me from opening an account at XXXX XXXX XXXX XXXX. 

To resolve this matter, I respectfully request that ChexSystems update my report to reflect the accurate status of this charge, as confirmed by XXXX XXXX XXXX XXXX. I am also requesting that ChexSystems remove this negative entry from my report, as it was reported in error, and my conversation with XXXX XXXX XXXX XXXX  that supports my claim. 

Please review this information and have Chex System update my report accordingly. 

I appreciate your prompt attention to this matter and look forward to its swift resolution. Should you need further clarification, I am happy to provide it. 

Thank you for your time and assistance in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to respond to my disputes. I have been sending in disputes for 4 months, and I still have not gotten a response. The Credit Reporting Agencies are not following the law. My credit file is important to me. Please!!!
Product: Checking or savings account

Please be advised that on XX/XX/XXXX I received a Bank of America checking card under my maiden name for an account that isn't mine. I called Bank of America on XX/XX/XXXX and informed the associate that an account was opened under my name. After investigating the associate confirmed that a checking account was opened around XX/XX/XXXX and has online access to the account. The account was flagged for fraud and closed. I then ( XX/XX/XXXX ) informed XXXX, XXXX and XXXX that I have been a victim of identity fraud. On XX/XX/XXXX I received an email alert stating that I couldn't open an account online with Bank of America and that I need to walk into a branch. On XX/XX/XXXX I called bank of America and informed the fraud department that I received an email alert about an account being opened. The associate advised me that someone attempted to open another account via online through the mobile app but it was denied. She also informed me that someone attempted to open an account under my name in XX/XX/XXXX. She then gave me information to this website and XXXX for further help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a new loan with a better interest rate. While navigating on line, Prosper XXXX assured me there would be NO HARD inquiry on my credit files. Everything they advertised on line was completely misleading. Specifically, it stated it would so SOFT inquiries only. Somewhere in the process, I started receiving credit alerts that my files had been accessed and now I am stuck for another YEAR with a hard inquiry on my credit files. I want it removed! I called Prosper XXXX while in their system when I received the alerts about what happened. They stopped the on line application that I had no idea I was filling in. I am not too afraid to shop around. 
I have called this place at least 5 times to argue, but to no avail. They should have a class action suit brought against them for false and misleading statements on line.