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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I would like to report as inaccurate 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 or other personal consumer reports

XXXX is reporting 3 opened fraudulent collections, XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$15000.00}, XXXX XXXX opened on XX/XX/XXXX in the amount of {$760.00}, XXXX opened on XX/XX/XXXX for the amount of {$520.00}, XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$2900.00}. 
XXXX fraudulent hard inquiries reporting on my credit reports 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 These account are being reported by XXXX, XXXX, Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Experian Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Such a big, XXXX XXXX! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Experian and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they should DELETE from my file : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$690.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX $ XXXX Late Dates XXXX, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00}
Product: Debt collection

Awa collection is stated that i own them XXXX from XXXX XXXX XXXX. This is impossible because I was in prison from XXXX XXXX XXXX to XXXX XXXX XXXX. So I would like to file a complaint of identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I used the western Union transfer platform to send the sum of {$450.00} to my sister in XXXX, XXXX to pay my mothers medical and other sundry bills. According to the terms of the transfer, western union affirmed that the money would be delivered to my sister, XXXX XXXX XXXX XXXX account in XXXX Bank XXXX XXXX on XX/XX/2022. I was issued with a transaction and XXXX # XXXX by western union. In line with western unions delivery date of XX/XX/2022, my sister went to the nearest XXXX Bank to her residence on this date to confirm if the {$450.00} I sent has been delivered to the Bank and to pick up the money. She was however told by the Bank XXXX who oversees the western Union XXXX XXXX and international transfers, that there was absolutely no transaction associated with the XXXX number I was given by western union. My sister immediately called to inform me that the {$450.00} I sent to her through western union was not given to her by XXXX Bank because there was no transfer from western union to support the transfer. I then frantically called the western union XXXX here in the XXXX on XX/XX/2022 to find out the status of the money I sent to my sister through them. I was told by western union that it typically takes about 2 days from when the the Bank arrives in XXXX to process the delivery of the money to the recipient. In this context, western union said that I should tell my sister to return to XXXX Bank in XX/XX/2022 to pick up the money. Consistent with western unions advise, my sister again returned to XXXX Bank on XX/XX/2022 to pick up the money. The XXXX Bank XXXX transfers XXXX checked through the system and again told her that the said money has still not been sent to them and added that there was no record of the transfer. Bottom line, my sister left the Bank without the money. Before she left the Bank, I was able to speak with the XXXX Bank XXXX who confirmed that there was no record of my transfer in the system and told me to call western union to find out the status of my transfer. At this point, I because utterly frustrated and called the western union to complain about the non-delivery of the {$450.00} I transferred to my sister through them and humbly demanded that the money should kindly be refunded to me. They raised a case with case number XXXX and told me that they would contact the Bank XXXX Bank in XXXX to find out the status of the delivery and consequently refund the money to me. I want western union to refund my {$450.00} ( they can keep the transfer fee ) for their inability to deliver the money to my sister. I have repeatedly called western union to ask for my money and they have still not refunded my {$450.00} to me. I will therefore greatly appreciate if you could kindly intervene in my behalf and ensure that the {$450.00} which they have still not deliver to my sister is refunded to me.
Product: Credit reporting or other personal consumer reports

This is not my account. I have no knowledge of this account. 15 USC 1681b. I have never submitted any application or personal identification to create this account. 
XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX 


Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair credit reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also state a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I took out a loan for a small business a few years back- XXXX XXXX. Right before the Pandemic started, there was a downturn in the market and my business was going under. My loan was sold to a collection company, CK Prime Investments. No one informed me my loan was sold, it just showed up on my credit. 

I went to a debt repayment company, XXXX XXXX ( XXXX XXXX  ) to pay all outstanding debt from the failed business venture, including from CK Prime Investments. They have been a headache from the start. First, both XXXX XXXX and XXXX were reporting the same debt, the debt was incorrect, when the debt repayment company made an agreement with them, I was to have the account paid in full by XX/XX/2021. I paid the account IN FULL XX/XX/2021, and they have continually to falsely report an outstanding balance of almost {$5000.00}. 

I have contacted them by phone, submitted disputes through the credit agencies and they are still lying about me having an outstanding balance. Feel Free to contact the Debt Repayment Company XXXX XXXX to verify, better yet ask CK Prime Investments if they entered into an agreement with them on my behalf and what is my current balance... These collection agencies falsely reported information on our credit reports has to be against the law. It appears they are trying to get more money from us, that is not due to them.
Product: Vehicle loan or lease

Hello, Sorry if this is the wrong section. I've been trying to get my refund back from XXXX XXXX XXXXWestlake Financial Company for about four months now and feel like neither side is really trying to help me, and just hoping I let it go. 

I received an extended warranty from Westlake Financial Group/XXXX XXXX  with purchase of a Used Car. The car got in an accident, was determined totaled, and was covered partially by my Insurance Company. After that, I realized I had the extended warranty on a car I no longer had, so I attempted to  get a refund from Westlake. I spoke to them and they explained they could give me a pro-rated refund, part of it being covered by Westlake and part of it being covered by the dealership ( XXXX XXXX ) Westlake financials processed my refund without any issue, however I've been having trouble trying to get the dealership to honor their side of the refund. According to the dealership, they had sent a check to westlake financial group and at this point have done what they need to do. According to westlake, I've heard two different things that happened ( from different people, so I'm not sure which is true ). One person said that the refund was sent, but because the person handling my account no longer worked for the company, the refund was never processed. Another person said that when the refund was sent, the dealership had insufficient funds in their account, so it was never processed. I'm not sure which is true, and my attempts to put together a call between myself, Westlake, and XXXX XXXX have been unsuccessful. Westlake has said they'd call me back on numerous occasions and they haven't and the dealership has told me to get Westlake on the phone and to call him and we'll figure it out, otherwise he's not really listening to me. At this point I'm tired of calling Westlake and getting false hope, and I'm tired of calling the dealership and being spoken over.

Additionally, I've sent Westlake financial multiple emails about this issue, some which don't get responded to and others which don't really address my specific situations. I recently tried to call Westlake today, but my call didn't go through.

Per an email with Westlake on XX/XX/XXXX, here are the warranty amounts : Your warranty refund amount due is {$970.00}. ( WFS portion XXXX was already subtracted towards your principle last XX/XX/XXXX ). Were still waiting for the Dealer Portion {$600.00}.
Product: Mortgage

This is a HELOC account not in litigation, it is a different mortgage from the first mortgage presently that is in litigation. I repeat This complaint HELOC account is NOT in litigation. This complaint is a different HELOC account number from the one in litigation. THIS IS NOT IN LITIGATION!!!! On XX/XX/XXXX I sent ( see attached RESPA request ) to Chase Research Dept regarding obtaining information pertaining to the HELOC I have been paying on since XXXX. All that I received for this request response is a letter for a payoff quote -- instead of an acknowledgement letter of being in receipt of my RESPA request ( and working on it ) which Chase was supposed to furnish me with within 5 business days of their receipt. I called today at XXXX and talked to a XXXX XXXX and she told me she had no knowledge of the response demanded letter but did receive my RESPA and she is not a lawyer. I told her it is highlighted in bold print ( see attached ) a response letter is due to me by now being way past the time for due letter response to me. This account number has been changed twice since the first different account number of origination. I am demanding this legally requested information.
Product: Payday loan, title loan, or personal loan

Step 1 : What is this complaint about? 
Tried to submit the payoff information from XXXX XXXX XXXX - Submitted information to the XXXX XXXX XXXX XXXX Step 2 : What type of problem are you having? 
Resolving the issue with all parties concerned. 

Step 3 : What happened? 
Unable to get resolution of how my information from XXXX got in the hands of XXXX XXXX XXXX. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a fraudulent document presented by IC Systems. I did not and would not agree to such terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last seven months XXXX has reported major increases to my student loans and then major decreases the next month. They are faslie reporting the accuracy of my student loans. I noticed the first increase at the end of XX/XX/2018 in the amount of {$700.00} dollars. I'm not sure how that is even possible. Then for the month of XX/XX/2018 it shows a decrease of {$690.00} dollars. And today XX/XX/XXXX I checked my transunion credit report and they are now show an increase of {$670.00}!!! While each month I have made {$55.00} dollar payments. Only a few days after noticing each of these odd reports, they disappear. I have taken screen shots of each one that I have noticed, which I check my report like 5 times a week through XXXX XXXX. These false reports are effect my credit rating!!! I am contact them, my state attorney Generals office and a local attorney. I know XXXX has been in hot water over all their shisty behavior and I can prove what they have been doing to me! I have documentation!!!
Product: Vehicle loan or lease

The inspection was by XXXX, Inspection ID XXXX on XX/XX/XXXX Car was XXXX XXXX XXXX XXXX XXXX XXXX Held by XXXX XXXX  out of NY XXXX ( USB ) Charge for total windshield replacement at end of lease due to stone ding of 1/8 inch by 1/8 inch with picture on web -- but reading 1 x 0.5 inch cracked which is not true. The stone ding is verified by the photo and there is no visible crack.

Charge for replacement of windshield is {$460.00}.

This can be easily fixed with windshield resin. This is very inexpensive. 

I called XXXX on XXXX to tell them I disagree with the measurement and disagree with the remedy of the problem. They said the power belongs to them and I have no rights.
Product: Credit card

Capital one is in violation of VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. reporting inaccurate charge off dates on my account, this needs to be deleted from all 3 credit bureau for inaccuracy dates. Saying charge off is still active from XX/XX/year> and charge off was way before that. Also charging off my cards with out warning for both accounts
Product: Debt collection

Ars Account Resolution, Original Creditor XXXX  XXXX XXXX XXXX XXXX XXXX. 
reported as derogatory on XXXX  and transition, account # XXXX, with a wrongly reported balance of {$1200.00}. multiple disputes and attempts both to creditors and credit bureaus, all have failed to provide proof need it by law and still will not delete the wrong not proved derogatory report
Product: Checking or savings account

My account balance w as discharged i n  a Chapter   XXXX   Case  #  XXXX  filed   XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX .  To date the financial institution has continued to report my account negative to    XXXX   XXXX  . I w as granted relief from this debt and I want the account removed from   XXXX   XXXX   immediately.
Product: Mortgage

Trying to refinance our home through American Financial Network INC, XXXX # XXXX. We were told we qualified for a VA Loan, my husband is retired. We were told we had to have an VA Appraisal, which we did for {$400.00}. Then we were told that we could not get a VA Loan and that we had to get a conventional appraisal, which we did for {$600.00}. We were told that we would get that money back once we refinanced. Then we were told that we did n't qualify for a conventional loan and they could n't help us. I asked for my appraisals which took me two weeks to get and now I found out that no other bank will take the appraisals, so we are out {$1000.00} for appraisals. I want American Financial Network INC, to pay me back my {$1000.00} because they should have NEVER asked us to get appraisals until they were certain we had qualified. Please help me get back my {$1000.00}. My account/file number with American Financial Network, INC is XXXX, Loan Number : XXXX
Product: Mortgage

Newrez will not fix our loan in spite of contacting them directly, filing several complaints and jumping through a crazy amount of hoops. 

Previous complaints : XXXX XXXX XXXX Newrez continues sending us erratic, confusing letters regarding servicing our loan. Every year, we send them numerous copies of the same coverage that was approved with our loan application and every year, they force-place insurance. 

Summary of previous complaints : Newrez keeps force placing insurance in spite of us having sufficient coverage. We maintain coverage and pay our mortgage on time..even when it has been wrong. It is that simple. Our mortgage company is erroneously charging us more, and nothing is being done about it. 

What I need in a nutshell : 1. Calculate all the money that we were charged for force-place insurance back into our escrow account. 
2. Put our payment back to what it should be and always has been. 
3. Stop doing this to us. Fix our account. It is that simple. Fix our account and keep it fixed. 

In the past, I have included all the confusing letters. We even purchased an extra policy out of confusion. 

How it should go : 1. I send NewRez my updated policies every year. 
2. The insurance department reviews it for actual mistakes. 
3. I either get the mistake corrected, or my insurance is cleared until the next year 4. The appropriate payment is deducted from our account every month. 

What is actually happening : 1. I send my updated master policy every year. XXXX sends you my walls in coverage. 
2. NewRez starts inundating us with letters asking for changes to the policy. 
3. We go back to the company and ask for changes. Most of the time, the changes requested are not valid. 
a. Asking us to put XXXX instead of our actual unit number b. Asking for the mortgagee clause when it is already present c. Wind coverage d. One time, the insurance company made a mistake, and I immediately had it corrected. 
4. We call Newrez, and we are given different answers every time. 
a. It is just an automated letter ; you can disregard it b. You actually do have coverage. I'll have them remove the force place insurance 5. We get the letter showing that our payment is going up AGAIN 6. I contact Newrez, XXXX, CFB just trying to get someone to fix this for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report.

1. XXXX XXXX  ; Account : XXXX 2. XXXX Account : XXXX 3. XXXX XXXX XXXX  Account : XXXX**** 4. XXXX XXXX Account : XXXX 5. XXXX XXXX XXXX  XXXX Account : XXXX This accounts are fraudulent and should be removed immediately from my consumer report. 
This is a violation of my rights under 15.USC 1681 .
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is paid in full and no longer open. I have a paid in full letter from the creditor as well as multiple verifications from the company that the loan is no longer active. 

Ive provided this to Experian, XXXX, and XXXX along with documents supporting this as fact. Each time the dispute results have come back with no changes made. 

So its showing my debt as incredibly higher than it actually is which will affect my ability to purchase a home soon.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I purchased a used vehicle from Toyota of XXXX on XX/XX/XXXX. I had already been fully approved by XXXX XXXX XXXX for my car loan and I provided its written proof. 
Despite this fact, the dealership insisted on pulling my credit. I refused. After my refusal, Toyota of XXXX management told me they would only complete a soft pull, which should not affect my credit score, and that I could not leave with my car unless this process was completed. I therefore reluctantly agreed. As I suspected, a hard pull now shows on my XXXX Credit Report and thus my XXXX XXXX lowered. I reached out to XXXX to complain and they said they cant fix unauthorized inquiries without a written confirmation from the originator. Toyota of XXXX management refuses to reply to my email request to get this matter fixed. 
I am a knowledgeable consumer fully aware of my rights, and yet Toyota of XXXX was still able to trick me. I am very concerned about the underprivileged minority client base that dealership has as I am certain many credit reports are pulled without proper consumer understanding of the matter or authorization.